Placeholder Content Image

Could a recent ruling change the game for scam victims? Here’s why the banks will be watching closely

<div class="theconversation-article-body"><em><a href="https://theconversation.com/profiles/jeannie-marie-paterson-6367">Jeannie Marie Paterson</a>, <a href="https://theconversation.com/institutions/the-university-of-melbourne-722">The University of Melbourne</a> and <a href="https://theconversation.com/profiles/nicola-howell-1160247">Nicola Howell</a>, <a href="https://theconversation.com/institutions/queensland-university-of-technology-847">Queensland University of Technology</a></em></p> <p>In Australia, it’s scam victims who foot the bill for the overwhelming majority of the money lost to scams each year.</p> <p>A 2023 <a href="https://download.asic.gov.au/media/mbhoz0pc/rep761-published-20-april-2023.pdf">review</a> by the Australian Securities and Investments Commission (ASIC) found banks detected and stopped only a small proportion of scams. The total amount banks paid in compensation paled in comparison to total losses.</p> <p>So, it was a strong statement this week when it was revealed the Australian Financial Conduct Authority (AFCA) had <a href="https://my.afca.org.au/searchpublisheddecisions/kb-article/?id=f9f8941f-7379-ef11-ac20-000d3a6acbb4">ordered</a> a bank – HSBC – to compensate a customer who lost more than $47,000 through a sophisticated bank impersonation or “spoofing” scam.</p> <p>This decision was significant. An AFCA determination is binding on the relevant bank or other financial institution, which has <a href="https://www.afca.org.au/make-a-complaint#:%7E:text=Any%20determinations%20we%20make%20are,service%20is%20free%20to%20access">no direct right of appeal</a>. It could have implications for the way similar cases are treated in future.</p> <p>The ruling comes amid a broader push for sector-wide reforms to give banks more responsibility for <a href="https://www.fico.com/blogs/detection-prevention-tackling-scams-every-angle">detecting</a>, deterring and responding to scams, as opposed to simply telling customers to be “more careful”.</p> <p>Here’s what you should know about this landmark ruling, and what it might mean for consumers.</p> <h2>A highly sophisticated ‘spoofing’ scam</h2> <p>You might be familiar with “push payment” scams that trick the victim into paying money to a dummy account. These include the “<a href="https://www.acma.gov.au/articles/2024-01/scam-alert-re-emergence-hi-mum-scam">mum I’ve lost my phone</a>” scam and some <a href="https://www.scamwatch.gov.au/types-of-scams/online-dating-and-romance-scams">romance</a> scams.</p> <p>The <a href="https://www.smh.com.au/national/dragged-kicking-and-screaming-banking-giant-loses-battle-against-scam-victim-20241015-p5kide.html">recent case</a> concerned an equally noxious “bank impersonation” or “spoofing” scam. The complainant – referred to as “Mr T” – was tricked into giving the scammer access to his HSBC account, from which an unauthorised payment was made.</p> <p>The scammer sent Mr T a text message, purportedly asking him to investigate an attempted Amazon transaction.</p> <p>In an effort to respond to the (fake) unauthorised Amazon purchase, Mr T revealed security passcodes to the scammer, enabling them to transfer $47,178.54 from his account and disappear with it.</p> <p>The fact Mr T was dealing with scammers was far from obvious – scammers had information about him one might reasonably expect only a bank would know, such as his bank username.</p> <p>On top of this, the scam text message appeared in a thread of other legitimate text messages that had previously been sent by the real HSBC.</p> <h2>AFCA’s ruling</h2> <p>HSBC argued to AFCA that having to pay compensation should be ruled out under the <a href="https://download.asic.gov.au/media/lloeicwb/epayments-code-published-02-june-2022.pdf">ePayments Code</a>, a voluntary code of practice administered by ASIC.</p> <p>Under this code, a bank is not required to compensate a customer for an unauthorised payment if that customer has disclosed their passcode. The bank argued the complainant had voluntarily disclosed these codes to the scammer, meaning the bank didn’t need to pay.</p> <p>AFCA disagreed. It noted the very way the scam had worked was by creating a sense of urgency and crisis. AFCA considered that the complainant had been manipulated into disclosing the passcodes and had not acted voluntarily.</p> <p>AFCA awarded compensation covering the vast majority of the disputed transaction amount, lost interest charged to a home loan account, and $5,000 towards Mr T’s legal costs.</p> <p>It also ordered the bank to pay compensation of $1,000 for poor customer service in dealing with the matter, including communication delays.</p> <h2>Other cases may be more complex</h2> <p>In this case, the determination was relatively straightforward. It found Mr T had not voluntarily disclosed his account information, so was not excluded from being compensated under the ePayments Code.</p> <p>However, many payment scams fall outside the ePayments Code because they involve the customer directly sending money to the scammer (as opposed to the scammer accessing the customer’s account). That means there is no code to direct compensation.</p> <p>Still, AFCA’s jurisdiction is broader than merely applying a code. In considering compensation for scam losses, AFCA must consider what is “fair in all the circumstances”. This means taking into account:</p> <ul> <li>legal principles</li> <li>applicable industry codes</li> <li>good industry practice</li> <li>previous AFCA decisions.</li> </ul> <p>Relevant factors might well include whether the bank was proactive in responding to known scams, as well as the challenges for individual customers in identifying scams.</p> <h2>Broader reforms are on the way</h2> <p>At the heart of this determination by AFCA is a recognition that, increasingly, detecting sophisticated scams can be next to impossible for customers, which can mean they don’t act voluntarily in making payments to scammers.</p> <p>Similar reasoning has informed a range of recent reform initiatives that put more responsibility for detecting and responding to scams on the banks, rather than their customers.</p> <p>In 2023, Australia’s banking sector committed to a new “<a href="https://www.ausbanking.org.au/scam-safe-accord/">Scam-Safe Accord</a>”. This is a commitment to implement new measures to protect customers, including a confirmation of payee service, delays for new payments, and biometric identity checks for new accounts.</p> <p>Changes on the horizon could be more ambitious and significant.</p> <p>The proposed <a href="https://treasury.gov.au/consultation/c2024-573813">Scams Prevention Framework</a> legislation would require Australian banks, telcos and <a href="https://pursuit.unimelb.edu.au/articles/accc-vs-big-tech-round-10-and-counting">digital platforms</a> to take reasonable steps to prevent, detect, report, disrupt and respond to scams.</p> <p>It would also include a compulsory external dispute resolution process, like AFCA’s, for consumers seeking compensation for when any of these institutions fail to comply.</p> <p>Addressing scams is not just an Australian issue. In the United Kingdom, newly introduced <a href="https://www.bbc.com/news/articles/cy94vz4zd7zo">rules</a> make paying and receiving banks responsible for compensating customers, for scam losses up to £85,000 (A$165,136), unless the customer is grossly negligent.<!-- Below is The Conversation's page counter tag. Please DO NOT REMOVE. --><img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/241558/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /><!-- End of code. If you don't see any code above, please get new code from the Advanced tab after you click the republish button. The page counter does not collect any personal data. More info: https://theconversation.com/republishing-guidelines --></p> <p><em><a href="https://theconversation.com/profiles/jeannie-marie-paterson-6367">Jeannie Marie Paterson</a>, Professor of Law, <a href="https://theconversation.com/institutions/the-university-of-melbourne-722">The University of Melbourne</a> and <a href="https://theconversation.com/profiles/nicola-howell-1160247">Nicola Howell</a>, Senior lecturer, <a href="https://theconversation.com/institutions/queensland-university-of-technology-847">Queensland University of Technology</a></em></p> <p><em>Image credits: Shutterstock </em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/could-a-recent-ruling-change-the-game-for-scam-victims-heres-why-the-banks-will-be-watching-closely-241558">original article</a>.</em></p> </div>

Money & Banking

Placeholder Content Image

Tony Armstrong called out by Media Watch for "moonlighting"

<p>The ABC has taken aim at one of their own, with <em>Media Watch</em> calling out popular presenter Tony Armstrong over his new "moonlighting" gig. </p> <p>On Monday night,<em> Media Watch</em> host Janine Perrett said she was "stunned" Armstrong had failed to get the all-clear from network bosses before he became the voice of NRMA Insurance.</p> <p>As the ABC is taxpayer funded, staff of the public broadcaster - particular ones with a high profile - are discouraged from appearing in private advertisements. </p> <p>While Armstrong announced he would be leaving his role with <em>ABC News Breakfast</em>, he still has other projects with the network. </p> <p>“It’s a shame this moonlighting at the expense of the ABC’s integrity is what we’re talking about in his final week on <em>News Breakfast,</em>” Perrett said. </p> <p>“Tony’s arguably one of the ABCs biggest stars,” she added. “He’s not only on the breakfast TV couch, he’s appeared at night on a new sports show, he’s one of many appearing in ABC News promos and is the face of a new five part series."</p> <p>“So we were stunned when we got confirmation that Tony was selling an insurance company as well”.</p> <p>The NRMA ads, which Armstrong voiced but does not physically appear in, have been on TV since July, and often appearing in Channel Nine's Olympics broadcasts. </p> <p>Perrett said that <em>Media Watch</em> had asked the ABC if it knew of Armstrong’s work for NRMA Insurance and if he had been given approval to voice the ads. </p> <p>“Astonishingly, he did not,” she said.</p> <p>In a statement to the program, the ABC said the voiceover was done without its knowledge and added this was due to a “misunderstanding,” with Armstrong’s representatives external to the ABC. </p> <p>“A misunderstanding?” said Perrett. </p> <p>“How any ABC reporter could voice a commercial for one of the biggest brands in Australia and not think that is a conflict, is beyond us."</p> <p>“If this is not a breach of the guidelines on external work, which says you must seek approval from above, we don’t know what is”.</p> <p>While ABC’s<a title="www.abc.net.au" href="https://www.abc.net.au/edpols/external-work-and-editorial-conflicts/13644776"> editorial guidelines </a>do not outright ban staff from doing commercial work but it asks them to “quantify the risk” of doing so, while also demanding the staff "seek approval from their manager". </p> <p><em>Media Watch</em> reached out to Tony Armstrong for an explanation, but he did not comment on the private ads. </p> <p><em>Image credits: ABC</em></p>

Legal

Placeholder Content Image

Flying to a footy final? Watch your wallet. Here’s why airfares soar

<div class="theconversation-article-body"> <p><em><a href="https://theconversation.com/profiles/doug-drury-1277871">Doug Drury</a>, <a href="https://theconversation.com/institutions/cquniversity-australia-2140">CQUniversity Australia</a></em></p> <p>Planning a flight to an AFL final is like trying to decide when and how to hop on an amusement park ride that hasn’t stopped.</p> <p>You don’t know where you need to be until the very last minute, and by then, it seems everyone else wants to be there too.</p> <p>This annual dilemma is now in sharp focus, with preliminary finals coming up this weekend. Sydney will face Port Adelaide at the Sydney Cricket Ground on Friday night, then Geelong will take on Brisbane in Melbourne on Saturday.</p> <p>Getting to these locations on the right dates can be no mean feat, and some fans have already been stung by surging prices. For those who tried to book over the weekend, prices to fly from Adelaide to Sydney in time for Friday’s game <a href="https://www.adelaidenow.com.au/news/south-australia/port-adelaide-fans-will-have-to-pay-a-hefty-price-for-airfare-tickets-to-sydney-for-prelim-final-at-scg/news-story/e549e292c50eb9798f6735d2270aafc3">reportedly ranged</a> from $597 to an eye-watering $1,723.</p> <p>Australia’s airline duopoly is already under intense scrutiny. According to government <a href="https://australianaviation.com.au/2024/09/domestic-airfares-rise-after-rexs-demise/">data</a> released this week, domestic airfares have risen by more than 10% since Rex shut down its capital city services.</p> <p>So how exactly do airlines price their fares today, and then again once the teams are decided? Why are they allowed to charge so much?</p> <h2>How are airfares priced?</h2> <p>Airfares are set through a process called revenue management. Airlines use <a href="https://www.sciencedirect.com/science/article/pii/S0969699714000556">mathematical modelling</a> to help determine what we as consumers are willing to pay.</p> <p>Airlines plan out their entire year based on what services they predict will be needed at certain times – such as travel for school breaks, winter skiing, or summers in Hawaii.</p> <p>In economics, this is known as seasonal supply and demand. Airlines have the supply, planes, and we as consumers provide the demand.</p> <p>The cost of flights to cities hosting footy finals might seem outrageous. But these games are one-off events that happen at the same time each year.</p> <p>Using historical data, airlines have determined that enough people are willing to pay these fares to justify charging them.</p> <h2>Two types of traveller</h2> <p>Airlines base their <a href="https://doi.org/10.1016/j.jksuci.2019.02.001">pricing strategies</a> on the assumption that we as travellers fall into two groups: elastic and inelastic. Here, elasticity simply describes how sensitive demand is to a change in price.</p> <p>Vacationers with a flexible calendar are an example of elastic travellers, who are able to change their flight dates to get the lowest airfare.</p> <p>Inelastic travellers, on the other hand, include business travellers who need to be somewhere specific on a particular date, and aren’t paying fares out of their own pocket.</p> <p>Airlines factor in both of these groups to determine <a href="https://digitalcommons.odu.edu/hms_fac_pubs/27">demand-based pricing</a>.</p> <p>Footy finals create huge amounts of inelastic demand, allowing airlines to push up their prices.</p> <h2>Does the price actually reflect the value?</h2> <p><a href="https://digitalcommons.odu.edu/hms_fac_pubs/27">Transactional utility</a> is a theory based upon the assumption that the price we pay for a product or service should reflect the value we receive. In this case – how much fans are willing to pay to be there to watch the game live.</p> <p>But individually, this depends on who you barrack for, as well as whether you have the disposable income to pay a premium for the experience. Last year, some airfares to the grand final soared <a href="https://www.couriermail.com.au/sport/travel-tsunami-2300-grand-final-flights-for-diehard-brisbane-footy-fans/news-story/270a34ad89d49cc68f1e7202b0d22e59">above the $2,000 mark</a>.</p> <p>So how are the airlines able to set these prices? Are they not regulated by the government? It all comes back to what we as consumers are collectively willing to pay for a diminished supply during high demand. The government does not regulate airfares on that level.</p> <p>Airlines will not want to sell discounted seats if they know enough of us are willing to pay. They might run more flights, but that doesn’t necessarily mean airfares will come down.</p> <p>Our decision to buy a seat is based on the perception of its fairness. Getting into the final is costly enough – does the price charged to fly there also <a href="https://digitalcommons.odu.edu/hms_fac_pubs/27">seem fair</a>?</p> <p>Airlines know the psychology of fairness is what will fill the seat. So they will continue to test our perception of fairness on last minute purchases.</p> <h2>Less competition makes it worse</h2> <p>These types of pricing strategies are not unique to Australia. Airlines all around the globe understand the passion associated with championship sporting events and position themselves to take advantage of such moments.</p> <p>But we also know that here, airlines are pricing what they can in part due to very low competition, only worsened by the recent demise of Bonza and Rex.</p> <p>We can <a href="https://www.accc.gov.au/by-industry/travel-and-airports/domestic-airline-monitoring">voice our displeasure</a> about this situation with the Australian Competition and Consumer Commission, but in the short term, many of us simply continue to pay the airfares.</p> <p>This is because the other methods of travel either don’t exist, such as high speed rail, or aren’t reasonable, such as driving for multiple days.</p> <p>Remember, airlines see this as an opportunity to increase their bottom line as part of their revenue management system.</p> <p>So what should you do if your team makes the grand final? Sell your car or house? Take out a second mortgage?</p> <p>What if you book now while it’s still relatively cheap and your team doesn’t make the final? Well, there is plenty to do in Melbourne in September!</p> <p>I, for one, will be watching from the comfort of my lounge room.<!-- Below is The Conversation's page counter tag. Please DO NOT REMOVE. --><img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/239104/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /><!-- End of code. If you don't see any code above, please get new code from the Advanced tab after you click the republish button. The page counter does not collect any personal data. More info: https://theconversation.com/republishing-guidelines --></p> <p><a href="https://theconversation.com/profiles/doug-drury-1277871"><em>Doug Drury</em></a><em>, Professor/Head of Aviation, <a href="https://theconversation.com/institutions/cquniversity-australia-2140">CQUniversity Australia</a></em></p> <p><em>Image credits: Shutterstock </em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/flying-to-a-footy-final-watch-your-wallet-heres-why-airfares-soar-239104">original article</a>.</em></p> </div>

Domestic Travel

Placeholder Content Image

Will watching the Olympic Games make you eat more?

<div class="theconversation-article-body"><em><a href="https://theconversation.com/profiles/birau-mia-1238429">Birau Mia</a>, <a href="https://theconversation.com/institutions/em-lyon-business-school-2363">EM Lyon Business School</a> and <a href="https://theconversation.com/profiles/carolina-o-c-werle-1434243">Carolina O.C. Werle</a>, <a href="https://theconversation.com/institutions/grenoble-ecole-de-management-gem-2181">Grenoble École de Management (GEM)</a></em></p> <p>Ever wondered why you reach for a snack after hitting the gym? <a href="https://joe.bioscientifica.com/downloadpdf/view/journals/joe/193/2/1930251.pdf">Research shows</a> that physical exercise often leads to increased food consumption, whether it is treating yourself for a job well done or replenishing the energy you have burned. With countless sports events airing and our screens constantly filled with sports’ competitions, a new question arises: Can watching sports on a screen also influence how much we eat?</p> <p>The answer is yes. <a href="https://www.sciencedirect.com/science/article/pii/S0950329317300915">Our research</a> co-authored with <a href="https://www.linkedin.com/in/jannine-lasaleta-94504987">Jannine Lasaleta</a> reveals that watching sports’ videos can increase candy consumption. But there is more to the story: the difficulty of the sports you are watching plays a crucial role in these effects.</p> <h2>From screens to junk food</h2> <p>We first invited 112 students to the <a href="https://www.grenoble-em.com/campus-gem-labs-grenoble">Grenoble Ecole de Management experimental lab</a> to watch a video and test some candies. Half of the students watched a video with men and women <a href="https://fr.adforum.com/creative-work/ad/player/51706/train-barefoot/nike">playing sports</a>, while the other half watched one <a href="https://www.youtube.com/watch?v=xyqR5yI6boo">without any physical activity</a>. We then gave each student a 70g cup of candy and asked them to judge its quality for three minutes. The students who saw the sports’ video ate more candy than those who saw the one without physical activity.</p> <p>Our initial test thus revealed that watching sports’ videos can boost candy consumption, but here’s the twist: male students indulged in far more candy than female students, so maybe the results were triggered by males’ consumption. Plus, we were still unsure if the type of sport watched affects the candy intake.</p> <p>To learn more, we invited just the female students to watch videos portraying either easy (light running) or difficult-to-perform sports (athletics long jump, gymnastics, baseball, rugby or rock climbing). After, the students were invited to test the same candies as before. Students who watched the <a href="https://www.youtube.com/watch?v=2SMXKGE_u-Y">easy sports video</a> (showing a woman and a man running through different landscapes) ate much more candy (30.1 grams) than those who watched the <a href="https://fr.adforum.com/creative-work/ad/player/51706/train-barefoot/nike">difficult sports video</a> (18 grams).</p> <p>We can thus conclude that the ease or difficulty of the exercise shown significantly impacts candy consumption – watching easy-to-perform sports leads to considerably higher candy intake than watching difficult ones.</p> <h2>Why is this happening?</h2> <p>To explain our findings, we looked at research on <a href="https://academic.oup.com/jcr/article-abstract/32/3/370/1867208">goal motivation</a>. When people feel they are not meeting a goal, they push harder; but once they see progress, they tend to slack off. For example, after a workout, those aiming to stay fit might feel they have made good progress and then ease up on their efforts. This can lead to a drop in motivation to pursue related goals, like healthy eating. <a href="https://psycnet.apa.org/record/2006-09808-003">Research</a> shows that achieving smaller goals (like exercising) can make people feel they have earned a break, which can result in indulging more in food. So completing a workout might make you more likely to reward yourself with extra food than if you had not finished your session. And why are women more susceptible to the phenomenon of eating more candy after watching an easy-to-perform sports video? Simply because it has been long <a href="https://phys.org/news/2005-04-women-weight-men.html">shown</a> that women are more concerned with their weight than men and therefore their dieting goals are more salient.</p> <p>Our research suggests that merely watching sports can lead to a sense of vicarious fulfilment of fitness goals. When people can picture themselves doing the activity they are watching, they feel as though they have already exercised, which can lead to more-indulgent food choices. If they perceive the exercise shown as easy rather than difficult, they can more easily imagine themselves doing it, leading to greater feelings of progress toward their fitness goals. This perceived achievement can make them feel they have earned the right to indulge and influence their search for a reward, often resulting in increased food intake.</p> <h2>So what?</h2> <p>This knowledge can be used by policymakers or marketers who aim to encourage healthful lifestyles. When promoting healthy activities by picturing physical activity that seems too easy, people may feel a greater sense of achievement that could backfire and lead to increased consumption. We suggest showing an easy exercise (like walking or jogging) followed by a tougher one (like sprinting or marathon running) as an alternative solution. This approach can motivate people to start with basic exercises while reminding that there is still a long way to go to reach their fitness goals. This strategy could offer an alternative to promote physical activity without giving a false sense of accomplishment.</p> <p>So what is the takeaway for us? Be mindful of how watching sports can affect our eating habits. If you are aiming to stay on track with your diet, watch more challenging sports – it might just help you resist that extra chocolate bar. Moreover, when setting dieting goals, remind yourself that real progress comes from consistent effort, not just imagining yourself doing a workout. Engage in activities that genuinely challenge you, and pair them with mindful eating habits. This way, you can avoid the trap of feeling the fitness goal to be prematurely accomplished and then overindulging.</p> <p>In conclusion, should you watch the Olympic games if you want to keep up with your diet? Of course, but it might be better to choose the physical activities you find the most difficult to perform – and watch them without moderation.<!-- Below is The Conversation's page counter tag. Please DO NOT REMOVE. --><img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/231199/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /><!-- End of code. If you don't see any code above, please get new code from the Advanced tab after you click the republish button. The page counter does not collect any personal data. More info: https://theconversation.com/republishing-guidelines --></p> <p><em><a href="https://theconversation.com/profiles/birau-mia-1238429">Birau Mia</a>, Associate Professor of Marketing, <a href="https://theconversation.com/institutions/em-lyon-business-school-2363">EM Lyon Business School</a> and <a href="https://theconversation.com/profiles/carolina-o-c-werle-1434243">Carolina O.C. Werle</a>, Professor of marketing, <a href="https://theconversation.com/institutions/grenoble-ecole-de-management-gem-2181">Grenoble École de Management (GEM)</a></em></p> <p><em>Image </em><em>credits: Shutterstock </em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/will-watching-the-olympic-games-make-you-eat-more-231199">original article</a>.</em></p> </div>

Body

Placeholder Content Image

I watched some 40 films at this year’s Sydney Film Festival. Here are my top five picks – and one hilarious flop

<div class="theconversation-article-body"><a href="https://theconversation.com/profiles/ari-mattes-97857">Ari Mattes</a>, <em><a href="https://theconversation.com/institutions/university-of-notre-dame-australia-852">University of Notre Dame Australia</a></em></p> <p>This year’s <a href="https://www.sff.org.au/">Sydney Film Festival’s</a> rich offerings of films more than compensated for the minor technical issues that led to some screenings being interrupted.</p> <p>Out of the 40-odd films I saw, here are my top five, along with some notable mentions and three disappointments (including a genuine <em>dud</em>).</p> <h2>1. The Girl with the Needle</h2> <p>Cowritten and directed by Swedish filmmaker Magnus von Horn, <a href="https://en.wikipedia.org/wiki/The_Girl_with_the_Needle">The Girl with the Needle</a> is loosely based on the story of notorious early-20th century serial killer Dagmar Overbye.</p> <p>But this is no procedural true crime film, painstakingly attempting to recreate crimes with historical accuracy. It’s a stylish Danish nightmare dazzling with cinematic acrobatics right from the opening sequence, in which black and white faces hideously morph, looking at the viewer like deranged figures from a hellish circus. It is, indeed, one of the most terrifying films I’ve seen.</p> <p>The narrative follows the struggles of new mother Karoline (Vic Carmen Sonne) as she gives her baby to Dagmar’s informal adoption agency and begins working with her as a wet nurse, unaware of what’s really going on.</p> <p>Sonne is as self-assured as ever – and none of the actors put a foot wrong here. Seasoned Danish film star Trine Dyrholm is exceptional in bringing nuance to what could have become a caricaturishly evil role as Dagmar. And Besir Zeciri endows Peter, a war-wounded veteran who can only find employment in a circus freakshow, with an unexpected warmth and tenderness.</p> <figure><iframe src="https://www.youtube.com/embed/VlyW-z1xbO4?wmode=transparent&amp;start=0" width="440" height="260" frameborder="0" allowfullscreen="allowfullscreen"></iframe></figure> <p>The Girl with the Needle features some of the most distressing sequences one could find in a commercial film. Its meticulously rendered shades of German expressionism never distract from its smorgasbord of horrors, offering an almost unbearably bleak vision of the world in the aftermath of the Great War. If only all films were this good!</p> <h2>2. Dying</h2> <p>I’d normally suppress a yawn if you told me I had to sit through a three-hour social realist drama about the everyday difficulties of a bourgeois German conductor and his family. Yet writer-director Matthias Glasner’s <a href="https://en.wikipedia.org/wiki/Dying_(2024_film)">Dying</a> is a near perfect film (no surprise it won <a href="https://www.screendaily.com/news/matthias-glasners-dying-wins-german-lola-for-best-film/5193046.article">four prizes</a> at the German Film Awards).</p> <p>The film is complex and engrossing – deeply sad in places and hysterical in others – formally controlled, but underpinned by an anarchic sensibility. It is life-affirming without any skerrick of sentimentality.</p> <figure><iframe src="https://www.youtube.com/embed/kagVqEfPxFw?wmode=transparent&amp;start=0" width="440" height="260" frameborder="0" allowfullscreen="allowfullscreen"></iframe></figure> <p>Lars Eidinger is astonishingly good as maestro Tom, who is trying to keep his career on track as his family life crumbles around him. He is matched by Lilith Stangenberg, mesmerising as his unhinged sister Ellen. Robert Gwisdek is equally exceptional as the highly strung composer and friend Bernard, while Corinna Harfouch anchors the film’s first section as Tom’s far from maternal mother, Lissy.</p> <p>At one point, Ingmar Bergman’s 1982 period film <a href="https://en.wikipedia.org/wiki/Fanny_and_Alexander">Fanny and Alexander</a> is playing on the TV (Tom watches it every Christmas). Even though Dying feels like a contemporary film committed to interrogating the difficulties of being in the modern world, there’s something of late Bergman here as it unfolds across its epic length.</p> <p>It is a three-hour film about middle-class life, but like a great 19th-century novel, it never feels long. The fact that nothing particularly extraordinary happens is testament to how well-made the film is.</p> <h2>3. Kill</h2> <p>Director Nikhil Nagesh Bhat’s Indian action film <a href="https://www.rottentomatoes.com/m/kill_2023_2">Kill</a> is cheesy, sentimental and at first seems remarkably silly.</p> <p>Commando Amrit, played by beefy TV star Lakshya, is travelling to New Delhi by train with his buddy, fellow commando Viresh (Abhishek Chauhan). His true love Tulika (Tanya Maniktala) is also on board and has recently become engaged to another man through an arrangement by her wealthy father, Baldev Singh Thakur (Harsh Chhaya), who happens to own the train company. When a group of 30-plus bandits led by the charming but ice-cold Fani (Raghav Juyal) move to rob the train, Amrit must defend Tulika, her family and the rest of the passengers.</p> <p>When the title card appears 40 minutes into the film, suddenly emblazoned on the screen, it seems like a distracting quirk at first. But it begins to make sense as the train rolls on. All of the violence and bone-crushing action of the first section is mere preamble, leading to a point of transition from an extremely violent but fun action film, to a much darker – and bloodier – revenge film.</p> <figure><iframe src="https://www.youtube.com/embed/da7lKeeS67c?wmode=transparent&amp;start=0" width="440" height="260" frameborder="0" allowfullscreen="allowfullscreen"></iframe></figure> <p>Kill is an exceptionally well-wrought genre film. The kinetic and balletic action recalls the golden era of Hong Kong action cinema, but with hammers, daggers and sickles instead of guns and the frenetic staging of hand-to-hand combat instead of poetic slow-motion footage. It is also a great example of a film being more than the sum of its parts. No element is perfect, yet they come together to transcend these limitations, its flow reaching sublime levels by the end.</p> <p>There’s also an undercurrent of sadness throughout. We see an India of haves and have-nots, of families of bandits struggling to survive and of the supreme violence sustaining the social and political order. As Fani says to Amrit near the end: “Who kills like this? I killed four of your people. You finished off 40 of my family. You’re not a protector. You’re a monster. A fucking monster.” The title says it all.</p> <h2>4. Super/Man: The Christopher Reeve Story</h2> <p>Biographical films about celebrities inevitably feel gossipy. Ian Bonhôte and Peter Ettedgui’s <a href="https://en.wikipedia.org/wiki/Super/Man:_The_Christopher_Reeve_Story">Super/Man: The Christopher Reeve Story</a> is no exception. But it is so well made (and well-resourced, one would imagine, as it’s produced by DC) that it moves beyond its tabloid-like qualities.</p> <p>Interviews with Reeve’s friends and colleagues, including Susan Sarandon, Glenn Close and Jeff Daniels, are interspersed with home footage shot by Reeve and his family throughout his career and during his recovery from the near-fatal riding accident that left him paralysed and breathing through a respirator for the rest of his life.</p> <p>Reeve’s close friendship with “brother” Robin Williams assumes central importance, with the film implying the two men were so emotionally dependent on each other that Williams would probably still be alive if Reeve hadn’t died in 2004.</p> <p>But the most interesting parts of the film involve carefully assembled archival footage looking at how Reeve’s decision to play Superman negatively impacted his career and personal life. He never starred in another profitable film, and his father and colleagues such as William Hurt loathed his decision to play a comic book character.</p> <p>This is counterpointed with his post-accident career as a director and disability advocate. Interviews with Reeve’s children add a genuinely tragic sense of pathos to this slick, well-made and emotionally exhausting “true Hollywood” story. It’s everything one could want from such a documentary.</p> <h2>5. Kneecap</h2> <p>Cowriter-director Rich Peppiatt’s Kneecap is a riotous, irreverent biopic following the career of Belfast drug-dealers Móglaí Bap and Mo Chara as they team up with high school music teacher DJ Próvai to become the first Irish-language rap group, Kneecap.</p> <p>The real <a href="https://www.bbc.com/news/uk-northern-ireland-66408560">Kneecappers</a> cowrote the film and play themselves and, given none of them are actors, do so remarkably well. They’re joined by Irish heavyweights Josie Walker, playing the detective who has it in for them, and Michael Fassbender, playing Móglaí’s father, an old-school Irish radical who has been on the run for the past few decades.</p> <p>The film depicts their hedonistic drug use and anarchic disregard for the law in the context of their radical political motivation to speak Irish against the colonial English. And while it may be a bit cartoonish in its presentation of Belfast’s history and the struggle to keep Gaelic alive, it is a music biopic after all.</p> <figure><iframe src="https://www.youtube.com/embed/FFYfp-hKxZQ?wmode=transparent&amp;start=0" width="440" height="260" frameborder="0" allowfullscreen="allowfullscreen"></iframe></figure> <p>Kneecap is violent, coarse and laced with infectiously good humour – a genuinely fun film, buoyed by its charismatic stars and lively style. Only the most stringent moralist wouldn’t enjoy this one!</p> <h2>Notable mentions</h2> <p>It’s extremely difficult to pick a top five when 15 or so of the films I saw were standouts. And this is testament to the quality of the festival’s selection.</p> <p>It was a pleasure watching heavyweight Sean Penn go head-to-head with Dakota Johnson in writer-director Christy Hall’s <a href="https://en.wikipedia.org/wiki/Daddio_(film)">Daddio</a>, even if the story takes an uninteresting turn in the final third. Despite the banality of the premise – a New York cabbie chats with a passenger – and the inanity of some of the dialogue, this romantic ode to urban life in all its alienated, fluoro-lit techno glory is so well crafted that we happily go along for the ride.</p> <p>Equally affective is the melancholic and beautifully performed <a href="https://en.wikipedia.org/wiki/Puan_(film)">Puan</a>, a restrained comedy set in a University faculty in Buenos Aires. Puan could easily make my top five, as could André Téchiné’s <a href="https://en.wikipedia.org/wiki/My_New_Friends_(film)">My New Friends</a>), an offbeat French melodrama starring Isabelle Huppert as a disillusioned police officer who becomes friends with an anti-cop activist in the suburbs.</p> <figure><iframe src="https://www.youtube.com/embed/cnz-6h60tkk?wmode=transparent&amp;start=0" width="440" height="260" frameborder="0" allowfullscreen="allowfullscreen"></iframe></figure> <h2>Poor performers</h2> <p>Of the lot, I only found three films disappointing.</p> <p>The first, Among the Wolves, is a Belgian-French documentary in which a photographer and illustrator lie waiting in a tiny, makeshift building to encounter wild wolves. While some of the footage is striking, the film is let down by its scientific inaccuracy, such as references to the “alpha male” wolf – a term and concept that has <a href="https://www.newyorker.com/science/elements/the-myth-of-the-alpha-wolf">long been discredited</a>. Such innacuracy is a cardinal sin for a documentary, which is supposed to inform the viewer.</p> <p>Though critically acclaimed, Hollywood horror film The Substance – a story of an ageing entertainer who turns to a mysterious substance to stay young (with unsurprisingly horrific ramifications) – feels neither new nor particularly interesting. And while it’s great to see Demi Moore and Dennis Quaid back on the big screen, their caricaturish characters make the whole thing seem like a boring joke: an inflated short film that is both irritatingly silly and painfully didactic.</p> <p>But rarely does a film so resolutely reaffirm a sense of the absurd hubris of humans as Francis Ford Coppola’s self-financed mega-flop, Megalopolis. This cartoonish, incoherent mess set in a dystopian version of the United States, “New Rome”, is howlingly bad in places.</p> <p>Imagine the worst parts of The Hunger Games and <a href="https://www.imdb.com/title/tt0064940/">Fellini Satyricon</a> (1969) crossed with Ayn Rand’s Atlas Shrugged and The Fountainhead and you begin to get a sense of the kind of self-indulgent, heavy-handed nonsense that is Megalopolis.</p> <p>Side-splittingly funny moments come courtesy of bad dialogue (“Utopias become dystopias,” actor Giancarlo Esposito says at one point with a straight face). And stilted acting by Adam Driver and Aubrey Plaza had the (remaining) audience in stitches. Megalopolis is like one of the great fiascos from days gone by – the 21st century’s Heaven’s Gate – and there is definitely something delightful about the existence of this <a href="https://variety.com/2022/film/news/francis-ford-coppola-funding-120-million-dollars-megalopolis-1235184765/">US$120 million</a> (roughly A$180 million) flop.</p> <figure><iframe src="https://www.youtube.com/embed/1FQzWD5xVKQ?wmode=transparent&amp;start=0" width="440" height="260" frameborder="0" allowfullscreen="allowfullscreen"></iframe></figure> <p>But as a dud, Megalopolis is the outlier. And in a year following Barbie, Oppenheimer, Napoleon and Poor Things (talk about heavy-handed cinema), much of the menu of this year’s Sydney Film Festival once again proves there are still good filmmakers out there making good films.<!-- Below is The Conversation's page counter tag. Please DO NOT REMOVE. --><img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/232706/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /><!-- End of code. If you don't see any code above, please get new code from the Advanced tab after you click the republish button. The page counter does not collect any personal data. More info: https://theconversation.com/republishing-guidelines --></p> <p><a href="https://theconversation.com/profiles/ari-mattes-97857"><em>Ari Mattes</em></a><em>, Lecturer in Communications and Media, <a href="https://theconversation.com/institutions/university-of-notre-dame-australia-852">University of Notre Dame Australia</a></em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/i-watched-some-40-films-at-this-years-sydney-film-festival-here-are-my-top-five-picks-and-one-hilarious-flop-232706">original article</a>.</em></p> <p><em>Image: IMDB</em></p> </div>

Movies

Placeholder Content Image

Long-serving ABC star calls it quits

<p>Paul Barry, the veteran host of <em>Media Watch</em>, who has made a career out of poking the media bear, has announced his departure from the ABC show in December. After an illustrious (and occasionally infamous) tenure that would make a soap opera look like a nap, Barry is hanging up his microphone at the ripe age of 72.</p> <p>“I’ve been in the hot seat for 11 years and it’s time to give someone else a go,” Barry remarked, possibly while the hot seat sighed in relief. Indeed, hosting Media Watch is no small feat – it's a bit like riding a roller coaster while simultaneously refereeing a brawl. But Barry has certainly done it with aplomb, panache and a fair amount of flair.</p> <p>His announcement has left viewers with mixed feelings – a blend of gratitude for his unyielding service and a tinge of sadness, akin to the bittersweet end of a beloved TV series. Barry promised to stay with us until December, giving us ample time to stock up on popcorn and enjoy the remaining episodes. "Lots of fun to be had before then," he teased, hinting at some final rounds of media mischief.</p> <p>For those who might be wondering what Barry plans to do next, well, that's still a mystery. Perhaps he'll take up knitting, but knowing him, it’ll likely be with barbed wire.</p> <p>Barry first commandeered <em>Media Watch</em> in 2000 before returning in 2013, making a grand comeback that rivalled any reality TV show. Over the years, he has ruffled enough feathers to fill a sizeable pillow factory. Commercial media outlets, politicians and even his own network – as <em>Media Watch</em> famously runs independently of the ABC – have all been on the receiving end of his sharp critiques. His fearless approach has made him a hero to many and a headache to some.</p> <p>One of Barry’s most memorable moments came in 2013 during a spat with columnist Andrew Bolt. When Bolt provocatively asked Barry to reveal his salary on air, Barry did just that – $191,259, to be precise. It was a jaw-dropping moment that left viewers stunned and Bolt, presumably, a bit flummoxed.</p> <p>In between his stints at <em>Media Watch</em>, Barry has donned many hats – investigative reporter for the <em>Sydney Morning Herald</em>, correspondent for <em>60 Minutes</em>, and author of several books, including a controversial unauthorised biography of James Packer. His career has been a veritable smorgasbord of journalism, controversy and unflinching honesty.</p> <p>An ABC spokesperson paid tribute to Barry, highlighting his “track record of independent commentary, analysis, and robust discussion about the media industry and its ethics – or lack thereof.” Barry has indeed been the watchdog’s watchdog, never shying away from calling out malpractice, no matter where it reared its head.</p> <p>As the ABC gears up to announce a new host, the shoes left behind are large ones to fill. Barry’s departure marks the end of an era – one filled with wit, grit and an unwavering commitment to holding the media accountable.</p> <p>So, here’s to Paul Barry – the feather-ruffler, the truth-seeker, the man who made us laugh, gasp and, most importantly, think. As he steps down from <em>Media Watch</em>, we wish him the very best in his next adventure, whether that’s taking on new journalistic endeavours or finally perfecting that tricky scarf pattern.</p> <p>Bravo, Mr Barry. You will be missed.</p> <p><em>Image: Media Watch</em></p>

TV

Placeholder Content Image

Are young people smarter than older adults? My research shows cognitive differences between generations are diminishing

<div class="theconversation-article-body"><em><a href="https://theconversation.com/profiles/stephen-badham-1531316">Stephen Badham</a>, <a href="https://theconversation.com/institutions/nottingham-trent-university-1338">Nottingham Trent University</a></em></p> <p>We often assume young people are smarter, or at least quicker, than older people. For example, we’ve all heard that scientists, and even more so mathematicians, <a href="https://www.forbes.com/sites/nextavenue/2014/08/07/who-says-scientists-peak-by-age-50/">carry out their most important work</a> when they’re comparatively young.</p> <p>But my new research, <a href="https://www.sciencedirect.com/science/article/pii/S027322972400008X#:%7E:text=Highlights&amp;text=Three%20review%20studies%20measure%20secular,%2C%20education%2C%20and%20overall%20health.">published in Developmental Review</a>, suggests that cognitive differences between the old and young are tapering off over time. This is hugely important as stereotypes about the intelligence of people in their sixties or older may be holding them back – in the workplace and beyond.</p> <p>Cognitive ageing is often measured by comparing young adults, aged 18-30, to older adults, aged 65 and over. There are a variety of tasks that older adults do not perform well on compared to young adults, such as memory, spatial ability and speed of processing, which often form the basis of <a href="https://theconversation.com/the-iq-test-wars-why-screening-for-intelligence-is-still-so-controversial-81428">IQ tests</a>. That said, there are a few tasks that older people do better at than younger people, such as reading comprehension and vocabulary.</p> <p>Declines in cognition are driven by a process called <a href="https://www.nature.com/collections/cbjacdabdf">cognitive ageing</a>, which happens to everyone. Surprisingly, age-related cognitive deficits start very early in adulthood, and declines in cognition have been measured as dropping in adults as young as just 25.</p> <p>Often, it is only when people reach older age that these effects add up to a noticeable amount. Common complaints consist of walking into a room and forgetting why you entered, as well as difficulty remembering names and struggling to drive in the dark.</p> <h2>The trouble with comparison</h2> <p>Sometimes, comparing young adults to older adults can be misleading though. The two generations were brought up in different times, with different levels of education, healthcare and nutrition. They also lead different daily lives, with some older people having lived though a world war while the youngest generation is growing up with the internet.</p> <p>Most of these factors favour the younger generation, and this can explain a proportion of their advantage in cognitive tasks.</p> <p>Indeed, much existing research shows that <a href="https://theconversation.com/iq-tests-are-humans-getting-smarter-158837">IQ has been improving</a> globally throughout the 20th century. This means that later-born generations are more cognitively able than those born earlier. This is even found when both generations are tested in the same way at the same age.</p> <p>Currently, there is growing evidence that <a href="https://www.pnas.org/doi/10.1073/pnas.1718793115">increases in IQ are levelling off,</a> such that, in the most recent couple of decades, young adults are no more cognitively able than young adults born shortly beforehand.</p> <p>Together, these factors may underlie the current result, namely that cognitive differences between young and older adults are diminishing over time.</p> <h2>New results</h2> <p>My research began when my team started getting strange results in our lab. We found that often the age differences we were getting between young and older adults was smaller or absent, compared to prior research from early 2000s.</p> <p>This prompted me to start looking at trends in age differences across the psychological literature in this area. I uncovered a variety of data that compared young and older adults from the 1960s up to the current day. I plotted this data against year of publication, and found that age deficits have been getting smaller over the last six decades.</p> <p>Next, I assessed if the average increases in cognitive ability over time seen across all individuals was a result that also applied to older adults specifically. Many large databases exist where groups of individuals are recruited every few years to take part in the same tests. I analysed studies using these data sets to look at older adults.</p> <p>I found that, just like younger people, older adults were indeed becoming more cognitively able with each cohort. But if differences are disappearing, does that mean younger people’s improvements in cognitive ability have slowed down or that older people’s have increased?</p> <p>I analysed data from my own laboratory that I had gathered over a seven-year period to find out. Here, I was able to dissociate the performance of the young from the performance of the older. I found that each cohort of young adults was performing to a similar extent across this seven-year period, but that older adults were showing improvements in both processing speed and vocabulary scores.</p> <figure class="align-center "><img src="https://images.theconversation.com/files/591482/original/file-20240501-24-esxcic.png?ixlib=rb-4.1.0&amp;q=45&amp;auto=format&amp;w=754&amp;fit=clip" sizes="(min-width: 1466px) 754px, (max-width: 599px) 100vw, (min-width: 600px) 600px, 237px" srcset="https://images.theconversation.com/files/591482/original/file-20240501-24-esxcic.png?ixlib=rb-4.1.0&amp;q=45&amp;auto=format&amp;w=600&amp;h=333&amp;fit=crop&amp;dpr=1 600w, https://images.theconversation.com/files/591482/original/file-20240501-24-esxcic.png?ixlib=rb-4.1.0&amp;q=30&amp;auto=format&amp;w=600&amp;h=333&amp;fit=crop&amp;dpr=2 1200w, https://images.theconversation.com/files/591482/original/file-20240501-24-esxcic.png?ixlib=rb-4.1.0&amp;q=15&amp;auto=format&amp;w=600&amp;h=333&amp;fit=crop&amp;dpr=3 1800w, https://images.theconversation.com/files/591482/original/file-20240501-24-esxcic.png?ixlib=rb-4.1.0&amp;q=45&amp;auto=format&amp;w=754&amp;h=418&amp;fit=crop&amp;dpr=1 754w, https://images.theconversation.com/files/591482/original/file-20240501-24-esxcic.png?ixlib=rb-4.1.0&amp;q=30&amp;auto=format&amp;w=754&amp;h=418&amp;fit=crop&amp;dpr=2 1508w, https://images.theconversation.com/files/591482/original/file-20240501-24-esxcic.png?ixlib=rb-4.1.0&amp;q=15&amp;auto=format&amp;w=754&amp;h=418&amp;fit=crop&amp;dpr=3 2262w" alt="The figure shows data for a speed-based task where higher scores represent better performance." /><figcaption><span class="caption">The figure shows data for a speed-based task where higher scores represent better performance.</span> <span class="attribution"><a class="license" href="http://creativecommons.org/licenses/by-sa/4.0/">CC BY-SA</a></span></figcaption></figure> <p>I believe the older adults of today are benefiting from many of the factors previously most applicable to young adults. For example, the number of children who went to school <a href="https://education-uk.org/history/chapter12.html">increased significantly</a> in the 1960s – with the system being more similar to what it is today than what it was at the start of the 20th century.</p> <p>This is being reflected in that cohort’s increased scores today, now they are older adults. At the same time, young adults have hit a ceiling and are no longer improving as much with each cohort.</p> <p>It is not entirely clear why the young generations have stopped improving so much. Some research has <a href="https://doi.org/10.1016/j.intell.2016.10.002">explored maternal age, mental health and even evolutionary trends</a>. I favour the opinion that there is just a natural ceiling – a limit to how much factors such as education, nutrition and health can improve cognitive performance.</p> <p>These data have important implications for research into dementia. For example, it is possible that a modern older adult in the early stages of dementia might pass a dementia test that was designed 20 or 30 years ago for the general population at that time.</p> <p>Therefore, as older adults are performing better in general than previous generations, it may be necessary to revise definitions of dementia that depend on an individuals’ expected level of ability.</p> <p>Ultimately, we need to rethink what it means to become older. And there’s finally some good news. Ultimately, we can expect to be more cognitively able than our grandparents were when we reach their age.<!-- Below is The Conversation's page counter tag. Please DO NOT REMOVE. --><img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/229132/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /><!-- End of code. If you don't see any code above, please get new code from the Advanced tab after you click the republish button. The page counter does not collect any personal data. More info: https://theconversation.com/republishing-guidelines --></p> <p><em><a href="https://theconversation.com/profiles/stephen-badham-1531316">Stephen Badham</a>, Professor of Psychology, <a href="https://theconversation.com/institutions/nottingham-trent-university-1338">Nottingham Trent University</a></em></p> <p><em>Image credits: Getty Images </em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/are-young-people-smarter-than-older-adults-my-research-shows-cognitive-differences-between-generations-are-diminishing-229132">original article</a>.</em></p> </div>

Mind

Placeholder Content Image

Becoming a landlord while still renting? ‘Rentvesting’ promises a foot on the property ladder, but watch your step

<div class="theconversation-article-body"><em><a href="https://theconversation.com/profiles/james-graham-1264059">James Graham</a>, <a href="https://theconversation.com/institutions/university-of-sydney-841">University of Sydney</a></em></p> <p>As home ownership moves further out of reach for many Australians, “rentvesting” is being touted as a lifesaver.</p> <p>Rentvesting is the practice of renting one property to live in yourself, while simultaneously purchasing an investment property somewhere cheaper and leasing it out.</p> <p>Ideally, “rentvestors” get to enjoy the capital gains on an investment property while living where they actually want to live, allowing them to cash in and upsize to their dream home later.</p> <p>It might seem like a savvy way to game the property market. But what are the risks of such an investment strategy? And how might broad adoption of this behaviour affect housing affordability in Australia?</p> <h2>A rising tide lifts all boats differently</h2> <p>The aim of the rentvesting game is to buy cheap property now, ride the expected capital gains, and move into a more desirable home down the track. The hope is that by climbing the first rung of the property ladder early, the whole thing won’t be pulled up out of reach.</p> <p>The first problem with this strategy, however, is that capital gains on housing are not always and everywhere equal.</p> <p>Generally, the cheapest properties available to rentvestors will be houses in the regions or apartments in the city. But both regional housing and apartment properties <a href="https://www.abc.net.au/news/2024-02-20/house-apartment-price-gap-widens-record-high-property-market/103484076">tend to appreciate more slowly</a> than the inner-city houses rentvestors might hope to live in one day. They might get a foot on the property ladder, but the rungs themselves are slowly drifting apart.</p> <p>Would-be rentvestors should also be aware that investments by “out-of-town” buyers tend to generate <a href="https://academic.oup.com/rfs/article-abstract/29/2/486/1902789">much lower returns</a> – both capital gains and rental yields – than investments by locals. Out-of-towners don’t know the local market trends, don’t know which neighbourhoods to avoid, and aren’t able to monitor their investments as effectively from afar.</p> <p>Avoiding the regions by investing in city apartments presents its own difficulties. Large, unexpected maintenance bills and poor strata management are <a href="https://www.abc.net.au/news/2024-03-21/a-world-of-hidden-charges:-strata-company-insiders/103617944">common complaints</a>.</p> <h2>Different costs lead to different returns</h2> <p>Perhaps the potential rentvestor should invest in something more straightforward instead, like stocks. After all, the return on equities in Australia has <a href="https://academic.oup.com/qje/article/134/3/1225/5435538">outperformed housing</a> in recent decades.</p> <p>However, it is much easier to borrow to invest in property than it is to borrow to invest in the stock market. And leverage is the investor’s secret weapon. For example, if house prices were to appreciate at 10% per year, then using a mortgage and a A$100,000 deposit on a $1 million property would earn you a 100% return on equity before costs.</p> <p>But while both investors and homeowners would earn that same basic return, their costs could be very different. For starters, property investors face capital gains tax on the proceeds of property sales, <a href="https://www.ato.gov.au/individuals-and-families/investments-and-assets/capital-gains-tax/property-and-capital-gains-tax/your-main-residence-home/eligibility-for-main-residence-exemption">unlike those selling their primary residence</a>. Banks also typically charge <a href="https://www.rba.gov.au/chart-pack/interest-rates.html">higher interest rates</a> on mortgages to investors than to homeowners.</p> <p>At times, the Australian Prudential Regulation Authority has also imposed caps on bank lending against investment properties, making it more difficult to find mortgage financing in the first place.</p> <p>Highly leveraged properties require mortgage insurance, too. Investors may need to take out larger insurance policies against the properties themselves, reflecting the higher risks associated with investment properties. Then, you also have to throw in property management fees, council rates, strata management fees and regular and unexpected maintenance costs.</p> <h2>Negative gearing offers little benefit</h2> <p>What about negative gearing? Property investors that generate losses on their property can deduct these costs against the tax bill on their other income.</p> <p>But negative gearing disproportionately benefits high-income earners with large tax bills. The <a href="https://www.abs.gov.au/statistics/labour/earnings-and-working-conditions/personal-income-australia/latest-release">median Australian individual income</a> is around $55,00, which generates a tax bill of about $8,000 – not a lot from which investment property losses can be deducted.</p> <p>The bigger picture is that while negative gearing helps defray the regular costs of managing a property, it doesn’t do anything to change expected capital gains.</p> <p>At the end of the spreadsheet tally, an investment property could end up earning rentvestors significantly less than they could have gained by simply buying their first home.</p> <h2>Effects on housing affordability</h2> <p>Rentvesting is new enough that its prevalence and influence awaits formal academic study. But economists might speculate about its implications for the housing market more broadly.</p> <p>The simplest analysis suggests that a rentvestor occupies one rental property while supplying an additional rental property to the market. If, instead, they had bought a home, they would vacate a rental property while removing another property from the market. In this case, even rentvesting en masse would have zero net effect on the housing market.</p> <p>But a more nuanced perspective might consider where rentvestors are renting and where they are investing. Perhaps they are most likely to rent properties in the already-crowded inner city, but purchase investment properties in regional areas where other first home buyers would like to live.</p> <p>This would increase demand for rentals in the city and reduce the supply of owner-occupier properties in the regions, worsening the affordability of both.</p> <p>Of course, if these rentvestors all eventually move up the property ladder – selling in the region and purchasing in the city – this effect would be reversed. From that longer-term perspective, rentvestors would ultimately have little effect.</p> <h2>We still need more houses</h2> <p>Rentvesting is not a panacea for Australia’s housing market woes. Potential investors should weigh the benefits of property investment against its substantial costs and risks. Additionally, they need to carefully consider the obvious alternative: simply buying their first home up-front.</p> <p>We have good reason to be wary of yet another get-rich-quick scheme involving the housing market. But initial considerations suggest that for the market overall, rentvestor behaviour is no worse than someone simply buying their first home, which we would otherwise encourage.</p> <p>Rather than criticising those seeking a way though our housing market morass, we might instead redouble our efforts to increase the supply of housing.<!-- Below is The Conversation's page counter tag. Please DO NOT REMOVE. --><img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/229116/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /><!-- End of code. If you don't see any code above, please get new code from the Advanced tab after you click the republish button. The page counter does not collect any personal data. More info: https://theconversation.com/republishing-guidelines --></p> <p><em><a href="https://theconversation.com/profiles/james-graham-1264059">James Graham</a>, Lecturer in Economics, <a href="https://theconversation.com/institutions/university-of-sydney-841">University of Sydney</a></em></p> <p><em>Image credits: Getty Images </em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/becoming-a-landlord-while-still-renting-rentvesting-promises-a-foot-on-the-property-ladder-but-watch-your-step-229116">original article</a>.</em></p> </div>

Money & Banking

Placeholder Content Image

‘Girl math’ may not be smart financial advice, but it could help women feel more empowered with money

<div class="theconversation-article-body"><em><a href="https://theconversation.com/profiles/ylva-baeckstrom-1463175">Ylva Baeckstrom</a>, <a href="https://theconversation.com/institutions/kings-college-london-1196">King's College London</a></em></p> <p>If you’ve ever calculated cost per wear to justify the price of an expensive dress, or felt like you’ve made a profit after returning an ill-fitting pair of jeans, you might be an expert in <a href="https://www.standard.co.uk/news/world/girl-maths-tiktok-trend-its-basically-free-b1100504.html">“girl math”</a>. With videos about the topic going viral on social media, girl math might seem like a silly (<a href="https://www.glamourmagazine.co.uk/article/girl-math-womens-spending-taken-seriously">or even sexist</a>) trend, but it actually tells us a lot about the relationship between gender, money and emotions.</p> <p>Girl math introduces a spend classification system: purchases below a certain value, or made in cash, don’t “count”. Psychologically, this makes low-value spending feel safe and emphasises the importance of the long-term value derived from more expensive items. For example, girl math tells us that buying an expensive dress is only “worth it” if you can wear it to multiple events.</p> <p>This approach has similarities to <a href="https://www.investopedia.com/terms/m/modernportfoliotheory.asp">portfolio theory</a> – a method of choosing investments to maximise expected returns and minimise risk. By evaluating how each purchase contributes to the shopping portfolio, girl math shoppers essentially become shopping portfolio managers.</p> <h2>Money and emotions</h2> <p>People of all genders, rich or poor, feel anxious when dealing with their personal finances. Many people in the UK do not understand pensions or saving enough to <a href="https://www.ons.gov.uk/employmentandlabourmarket/peopleinwork/workplacepensions/articles/pensionparticipationatrecordhighbutcontributionsclusteratminimumlevels/2018-05-04">afford their retirement</a>. Without motivation to learn, people avoid dealing with money altogether. One way to find this motivation, as girl math shows, is by having an emotional and tangible connection to our finances.</p> <p>On the surface, it may seem that women are being ridiculed and encouraged to overspend by using girl math. From a different perspective, it hints at something critical: for a person to really care about something as seemingly abstract as personal finance, they need to feel that they can relate to it.</p> <p>Thinking about money in terms of the value of purchases can help create an <a href="https://www.thetimes.co.uk/article/every-time-i-use-my-card-my-phone-buzzes-and-that-stops-me-shopping-ps0fjx6nj">emotional relationship</a> to finance, making it something people want to look after.</p> <figure><iframe src="https://www.youtube.com/embed/GPzA7B6dcxc?wmode=transparent&amp;start=0" width="440" height="260" frameborder="0" allowfullscreen="allowfullscreen"></iframe></figure> <h2>The girl math we need</h2> <p>Women are a consumer force to be reckoned with, controlling <a href="https://www.forbes.com/sites/bridgetbrennan/2015/01/21/top-10-things-everyone-should-know-about-women-consumers/#7679f9d6a8b4">up to 80%</a> of consumer spending globally. The girl math trend is a demonstration of women’s mastery at applying portfolio theory to their shopping, making them investment powerhouses whose potential is overlooked by the financial services industry.</p> <p><a href="https://www.theguardian.com/world/2019/oct/28/women-paid-less-than-men-over-careers-gender-pay-gap-report">Women are disadvantaged</a> when it comes to money and finance. Women in the UK earn on average £260,000 less than men during their careers and the retirement income of men is twice as high as women’s.</p> <p>As I’ve found in <a href="https://www.routledge.com/Gender-and-Finance-Addressing-Inequality-in-the-Financial-Services-Industry/Baeckstrom/p/book/9781032055572">my research</a> on gender and finance, women have lower financial self-efficacy (belief in their own abilities) compared to men. This is not helped by women feeling patronised when seeking financial advice.</p> <p>Because the world of finance was created by men for men, its language and culture are <a href="https://www.routledge.com/Gender-and-Finance-Addressing-Inequality-in-the-Financial-Services-Industry/Baeckstrom/p/book/9781032055572">intrinsically male</a>. Only in the mid-1970s did women in the UK gain the legal right to open a bank account without a male signature and it was not until 1980 that they could apply for credit independently. With the law now more (<a href="https://www.worldbank.org/en/news/press-release/2023/03/02/pace-of-reform-toward-equal-rights-for-women-falls-to-20-year-low">but not fully</a>) gender equal, the financial services industry has failed to connect with women.</p> <p>Studies show that 49% of women are <a href="https://www.ellevest.com/magazine/disrupt-money/ellevest-financial-wellness-survey">anxious about their finances</a>. However they have not bought into patronising offers and <a href="https://www.fa-mag.com/news/gender-roles-block-female-financial-experience--ubs-says-73531.html">mansplaining by financial advisers</a>. This outdated approach suggests that it is women, rather than the malfunctioning financial system, <a href="https://www.theguardian.com/commentisfree/2020/sep/16/women-are-not-financially-illiterate-they-need-more-than-condescending-advice">who need fixing</a>.</p> <p>Women continue to feel that they do not belong to or are able to trust the world of finance. And why would women trust an industry with a <a href="https://www.ons.gov.uk/employmentandlabourmarket/peopleinwork/earningsandworkinghours/bulletins/genderpaygapintheuk/2019">gender pay gap</a> of up to 59% and a severe lack of women in senior positions?</p> <p>Girl math on its own isn’t necessarily good financial advice, but if it helps even a handful of women feel more empowered to manage and understand their finances, it should not be dismissed.</p> <p><!-- End of code. If you don't see any code above, please get new code from the Advanced tab after you click the republish button. The page counter does not collect any personal data. More info: https://theconversation.com/republishing-guidelines --></p> <p><em><a href="https://theconversation.com/profiles/ylva-baeckstrom-1463175">Ylva Baeckstrom</a>, Senior Lecturer in Finance, <a href="https://theconversation.com/institutions/kings-college-london-1196">King's College London</a></em></p> <p><em>Image credits: Getty Images </em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/girl-math-may-not-be-smart-financial-advice-but-it-could-help-women-feel-more-empowered-with-money-211780">original article</a>.</em></p> </div>

Money & Banking

Placeholder Content Image

How much sport will you be able to watch for free under proposed new Australian broadcast rules?

<p><em><a href="https://theconversation.com/profiles/hunter-fujak-290599">Hunter Fujak</a>, <a href="https://theconversation.com/institutions/deakin-university-757">Deakin University</a> and <a href="https://theconversation.com/profiles/david-rowe-16403">David Rowe</a>, <a href="https://theconversation.com/institutions/western-sydney-university-1092">Western Sydney University</a></em></p> <p>Watching sport on television and other screens is integral to the <a href="https://researchdirect.westernsydney.edu.au/islandora/object/uws%3A57259">cultural lives of many Australians</a>.</p> <p>This is why, in 1995, the anti-siphoning scheme was introduced to ensure sport “<a href="http://www.tandfebooks.com/isbn/9780203758397">events of national importance and cultural significance</a>” would not be captured exclusively by pay TV at the expense of free-to-air coverage.</p> <p>There have been enormous <a href="https://www.taylorfrancis.com/chapters/edit/10.4324/9780429402265-5/television-tony-bennett-modesto-gayo-david-rowe-graeme-turner">changes in television</a> since and this analogue-era legislation is increasingly out of step with the modern digital media landscape.</p> <p>Critically, under current definitions, streaming services such as Netflix and Amazon fall outside a scheme restricting subscription broadcasters like Foxtel.</p> <p>The federal government <a href="https://anthonyalbanese.com.au/media-centre/labor-will-support-local-tv-free-sport-in-the-streaming-age">promised</a> before its election in 2022 to review the anti-siphoning scheme. Its subsequent <a href="https://www.aph.gov.au/Parliamentary_Business/Bills_Legislation/Bills_Search_Results/Result?bId=r7132">Communications Legislation Amendment (Prominence and Anti-siphoning) Bill 2023</a> is designed to close the “<a href="https://theconversation.com/streaming-platforms-will-soon-be-required-to-invest-more-in-australian-tv-and-films-which-could-be-good-news-for-our-screen-sector-198757">regulatory gap</a>” that has emerged within media law since Netflix’s launch in Australia in 2015.</p> <p>The Senate referred the bill to its Environment and Communications Legislation Committee. Its report has just been released and will help shape Australians’ access to sport media content.</p> <h2>The importance of prominence</h2> <p>“Prominence” refers to the discoverability of individual media applications, such as Netflix or 9Now, on the user homepage of smart televisions.</p> <p>The federal government is troubled by overseas services like YouTube and Amazon being immediately visible on smart televisions through commercial licensing agreements, effectively “burying” Australian free-to-air TV.</p> <p>Public service broadcaster SBS, for example, <a href="https://www.9news.com.au/national/anti-siphoning-prominence-laws-australia-free-to-air-tv-channels/87bc8ddd-4120-4542-864e-2c84a781411e">claimed</a> during Senate hearings that one television manufacturer demanded both a placement fee and a 15% share of revenue to feature on the television’s homepage.</p> <p>Prominence is crucial in sport because anti-siphoning legislation is based on the principle that, although in <a href="https://www.thenewdaily.com.au/finance/finance-news/2023/03/06/tv-habits-australia">general decline</a>, free-to-air TV is still the most effective, <a href="https://accan.org.au/files/Reports/ACCAN%20Research%20Snapshot%20How%20Australians%20Watch%20TV.pdf">low-cost, readily-accessed</a> vehicle for delivering premium sport to a majority of Australian households.</p> <h2>Anti-siphoning</h2> <p>While often criticised by <a href="https://www.infrastructure.gov.au/have-your-say/anti-siphoning-scheme-review">subscription media companies and many sports</a> as anti-competitive, anti-siphoning legislation is significantly responsible for the continued abundance of free major sport on our televisions.</p> <p>In a portent of the risks ahead, <a href="https://www.cricket.com.au/news/3807634/amazon-prime-video-secures-icc-broadcast-rights-in-australia-t20-odi-world-cup-world-test-championship-2024-27">International Cricket Council</a> World Cups will disappear from free-to-air television between 2024 and 2027, after the world governing body signed an exclusive four-year deal with streaming platform Amazon.</p> <p>The <a href="https://www.theage.com.au/sport/afl/afl-boss-flies-to-us-for-talks-with-media-companies-20220425-p5ag16.html">AFL</a> also reportedly met Amazon in 2022 as part of its media rights negotiations.</p> <p><a href="https://theconversation.com/regardless-of-the-rules-sport-is-fleeing-free-tv-for-pay-and-it-might-be-an-avalanche-154640">Loopholes</a> in the scheme are also being increasingly exploited. This problem was exposed in 2018 when <a href="https://www.cricket.com.au/news/3296093/tvs-antisiphon-list-and-cricket-explained">Australian one-day international cricket matches</a> went behind a paywall, despite being listed as free-to-air events.</p> <p>As <a href="https://www.news.com.au/entertainment/tv/streaming/nrl-calls-for-technologically-neutral-overhaul-to-sport-broadcasting/news-story/31fc06ab986e12c7e6f720df33d23ad1">Foxtel</a> told the Senate hearing, both Nine (Stan) and Ten (Paramount+) are now hybrid networks, able to move acquired sports from free-to-air broadcast to behind a streaming paywall.</p> <p>At present, free-to-air networks cannot be compelled to acquire the rights to any sport, broadcast them if they do, or refrain from on-selling them to a pay platform.</p> <h2>What are the implications for sport and other viewers?</h2> <p>The majority Senate report broadly supported the federal government’s existing <a href="https://minister.infrastructure.gov.au/rowland/media-release/exposure-draft-prominence-regulations-released">exposure draft</a>.</p> <p>Regarding prominence, this means free-to-air channel “tiles” will be highly visible when you turn on a new smart TV. A 12-month phased implementation of a prominence framework was recommended by the committee – and would only apply to new televisions.</p> <p>The committee also broadly accepted the draft bill’s anti-siphoning provisions, which will affect what and where sport is viewed by fans.</p> <p>First, the listed events will be expanded by 30% and incorporate more women’s and parasports. They include the AFLW and NRLW finals, NRLW State of Origin, and the Summer Paralympic Games.</p> <p>To provide counterbalancing benefits to subscription broadcasters, sport events not acquired by a free-to-air broadcaster will become more quickly available to subscription platforms (12 months before an event starts, rather than six months before). This provides subscription platforms with greater lead-in times to plan, organise and promote their content schedules.</p> <p>The most controversial recommendation related to the scope of anti-siphoning laws, affecting how Australian viewers can access sport in the medium term.</p> <p>It supported the government’s position, on grounds of excessive competitive advantage, that anti-siphoning should only apply to terrestrial broadcasting. This excludes digital rights for live streaming through broadcast video on demand apps such as 9Now, Seven+, iView and SBS On Demand.</p> <p>Commercial free-to-air broadcasters called this a “<a href="https://www.mediaweek.com.au/industry-reacts-to-prominence-and-anti-siphoning-findings/">nightmare scenario</a>”, as they <a href="https://www.freetv.com.au/access-to-local-tv-services-and-free-sport-under-threat-unless-laws-are-strengthened/">estimate</a> 50% of households will be watching TV online by 2027.</p> <p>For viewers without televisions connected to aerials, this could make major sport events on free-to-air TV unavailable. Although terrestrial TV is still the most <a href="https://intellectdiscover.com/content/journals/10.1386/jdmp_00098_1">universally available screen sport vehicle</a>, aerials are no longer routinely installed in new housing developments.</p> <p>Research by the <a href="https://www.acma.gov.au/television-research">Australian Communications and Media Authority</a>, though, indicates that free-to-air network claims about disappearing TV aerials are somewhat exaggerated. Nonetheless, as modernisation was a central justification for the anti-siphoning reforms, the strategic compromise over broadcast video on demand apps will inevitably be scrutinised.</p> <p>Notably, in a dissenting minority report, the Greens were unhappy the bill did not go far enough in either prominence or anti-siphoning. They reserved their right to reject it unless suitably amended to guarantee global corporations could not capture Australian sports rights.</p> <h2>What happens next?</h2> <p>The amended bill must pass through Parliament to become law, and its final shape and the fate of any amendments are as yet unknown.</p> <p>While it is widely, though not universally, acknowledged action is needed to protect free screen sport viewing, intense disagreement remains among competing interest groups over what is to be done now and in the future.</p> <p>To safeguard their viewing interests, Australian sport fans will need to watch these formidably technical debates as closely as their favourite sport contests.<!-- Below is The Conversation's page counter tag. Please DO NOT REMOVE. --><img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/226499/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /><!-- End of code. If you don't see any code above, please get new code from the Advanced tab after you click the republish button. The page counter does not collect any personal data. More info: https://theconversation.com/republishing-guidelines --></p> <p><em><a href="https://theconversation.com/profiles/hunter-fujak-290599">Hunter Fujak</a>, Senior Lecturer in Sport Management, <a href="https://theconversation.com/institutions/deakin-university-757">Deakin University</a> and <a href="https://theconversation.com/profiles/david-rowe-16403">David Rowe</a>, Emeritus Professor of Cultural Research, Institute for Culture and Society, <a href="https://theconversation.com/institutions/western-sydney-university-1092">Western Sydney University</a></em></p> <p><em>Image credits: Getty Images </em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/how-much-sport-will-you-be-able-to-watch-for-free-under-proposed-new-australian-broadcast-rules-226499">original article</a>.</em></p>

TV

Placeholder Content Image

Disabled customer "crushed" by Coles' new smart gate

<p>A customer using a wheelchair has been crushed by Coles' new controversial smart gates, just months after it was rolled out in Aussie stores. </p> <p>The smart gates were added to self-serve check-outs across the country late last year as a security measure against thieves. </p> <p>The gates were installed with a range of other security measures in response to rising theft rates, including "CCTV, electronic article surveillance (EAS), and in some stores new smart gate technology that automatically opens as customers make payment for their products," according to a Coles spokesperson. </p> <p>But on Tuesday a customer, who chose to remain anonymous, said that one of the smart gates “slammed shut” on them and their wheelchair, while they were on their routine shopping trip with their son. </p> <p>After buying a few things the customer said that they were heading to the "wide open" gate, and their son passed through safely. </p> <p>But, when they tried to follow, the gate abruptly closed “hitting” their arms and “crushing” their wheelchair.</p> <p>The gate began to beep and only reopened when the customer pushed their way through. </p> <p>Fortunately, the customer was not injured but wanted to raise awareness on the issue. </p> <p>“I’ll be calling every day until SOMEONE tells me how to avoid being crushed next time,” they said.</p> <p>A few other annoyed customers slammed the "invasive" and "annoying" technology. </p> <p>“One literally snapped shut on our pram as we were pushing our kiddo through,” one person wrote on social media. </p> <p>“I’d walked out the store first, pram and husband following behind. Especially cause they make them too small for you to go side-by-side!</p> <p>“It’s insane, and I refuse to look at any self check out or check out with that in the path.”</p> <p>Another added: “Not long until an elderly person is knocked over by them and breaks their hip or similar." </p> <p>"It’s turning into a jail rather than a supermarket,” a third wrote. </p> <p><em>Image: Getty</em></p> <p> </p>

Legal

Placeholder Content Image

“Sky’s the limit”: Why Alex de Minaur is the one to watch at the Australian Open

<p>The tennis world is buzzing with excitement as Alex de Minaur, the 24-year-old Australian sensation, extends his remarkable winning streak in the lead-up to the Australian Open.</p> <p>In a recent charity match held in Melbourne, de Minaur displayed his lethal form by securing a notable victory over the reigning Wimbledon champion, Spain's Carlos Alcaraz.</p> <p>Despite the match's charitable nature, this win marks a significant milestone for de Minaur, who is now ranked No.10 in the world – the highest ranking he has ever achieved. As he gears up for the upcoming Australian Open, de Minaur's triumphs and confidence are setting the stage for an electrifying tournament.</p> <p>The charity match against Alcaraz proved to be more than just a philanthropic endeavour, as de Minaur secured his first-ever win over the reigning Wimbledon champ. Alcaraz, currently ranked No.2 in the world, faced a resilient de Minaur who claimed victory with a 6-4, 5-7, (10-3) scoreline. This triumph not only adds a feather to de Minaur's cap but also instills a newfound confidence as he prepares for the intense battles ahead in Melbourne.</p> <p>De Minaur's recent success in the charity match adds to his growing list of upsets, notably highlighted by his stellar performance in the United Cup tournament. The Australian tennis star showcased his prowess by defeating formidable opponents, including Team USA's Taylor Fritz, tennis legend Novak Djokovic, and world No.7 Alexander Zverev.</p> <p>Leading Australia into the semi-finals, de Minaur's exceptional form during the United Cup laid the foundation for his current confidence and high world ranking.</p> <p>Despite his commanding victory in front of a packed Rod Laver Arena, de Minaur remains humble and focused on the challenges ahead. In a post-match statement, he expressed his gratitude and outlined his motivational mantra, quoting, "'How big would you dream if you knew you couldn't fail?' ... I'm pushing myself every day and hopefully the sky's the limit."</p> <p>As the Australian Open approaches, de Minaur's exceptional form and recent triumphs are capturing the attention of tennis enthusiasts worldwide. With a newfound confidence and a career-high ranking, de Minaur is poised for an exciting and potentially groundbreaking performance in Melbourne.</p> <p>The stage is set for a riveting Aus Open, and fans eagerly anticipate witnessing how far de Minaur can push the limits in 2024.</p> <p><em>Image: Getty</em></p>

TV

Placeholder Content Image

"It was hard to watch": Sean Connery's final days revealed

<p>Sean Connery's final moments have been revealed in a new book, <em>Connery, Sean Connery</em>, which dives into his decades-long career and the obstacles he faced in life. </p> <p>The Scottish actor, who rose to fame as the original <em>James Bond</em>, passed away on October 31, 2020, at the age of 90. </p> <p>The book written by Herbie J Pilato, features never-before-published commentary from Connery's friend, Brendan Lynch about the actor's final days. </p> <p>The Oscar winner struggled with dementia before his passing, and the book claims that Lynch was requested by Connery’s wife, Micheline Roquebrune, to visit his friend “as much as possible in his last days." </p> <p>In the book, Lynch recalled: “Because he wasn’t well at all, Micheline did ask me to try and see a bit more of him in the end.” </p> <p>“He didn’t want to have people that he didn’t know hanging around, so I would stop in to visit.”</p> <p>“I was crying at times to see this mountain of a man — this monumental human achievement in such a terrible state — frail (mentally and physically) unable to carry on a conversation or finish off a sentence,” Lynch said. </p> <p>“To see his body weak and flawed at the end… it was very sad. We tried to have a conversation. I tried to tell him what was going on in the sporting world, despite knowing that he wasn’t actually taking it all in.”</p> <p>Pilato told <em>Fox News Digital </em>that he spoke to numerous other sources and co-stars to get a better understanding of the man behind the iconic character.</p> <p>“Dementia is not just a mental issue. You’re affected physically in other ways… It affects everything. So it’s not just the mind. And to see someone who was so strong battling this disease — it was difficult," Pilato said. </p> <p>“If anybody looked like a movie star, it was Sean Connery,” he shared. “But towards the end, when he was frail, it was hard to watch. It was hard to see that.”</p> <p>According to the book, the actor's health was kept private “for some time" as he spent his final days  surrounded by “sprawling golf courses, near wide-open silky sands and… clear blue Bahamian waters.” </p> <p>Connery died in his sleep, and according to his wife it was exactly "what he wanted.”</p> <p>“At least he died in his sleep, and it was just so peaceful,” she told <em>The Daily Mail </em>on Sunday. </p> <p>“I was with him all the time, and he just slipped away. It was what he wanted."</p> <p><em>Images: Getty</em></p>

Caring

Placeholder Content Image

Do dogs actually watch TV?

<p><strong>Doggy mysteries </strong></p> <p>Have you ever been cuddled on the couch with your dog and noticed him fixate on something on the TV? Maybe it’s another dog, a bird, or some other animal, or just some action taking place in your favourite TV show or movie. It sure looks like your pup is watching TV, but is it your imagination?</p> <p>We know that dogs experience colour and light differently than humans do, so their eyes don’t see things the same way. So, do dogs watch TV? It’s one of those <a href="https://www.readersdigest.com.au/food-home-garden/pets/decode-your-dogs-behaviour-17-dog-behaviours-explained" target="_blank" rel="noopener">questions about weird dog behaviour</a> that pet lovers are always curious about, so we asked pet experts to weigh in.</p> <p><strong>Do dogs watch TV?</strong></p> <p>The answer is basically a yes. Dr Cherice Roth, Chief Veterinary Officer with the pet health care company Fuzzy, confirms that your pup’s apparent TV-watching habits are indeed the real thing. “Some dogs do watch TV!” says Dr Roth, adding that dogs can actually become engrossed by what’s on the tube.</p> <p>“Much like with humans, [a dog’s interest will vary] based on their attention span and attention to motion.” Plus, depending on how high the volume is, they’ll also react to sounds on the TV – especially anything that sounds like their favourite squeaky dog toy – and may be fixated on that as much as the action on the screen. </p> <p><strong>Is it OK for dogs to watch TV?</strong></p> <p>Just because dogs can watch TV, does it mean they should? Dr Albert Ahn, a veterinary advisor with Myos Pet, offers a qualified yes. “Many owners leave the television on to provide their dogs with a distraction while they leave for work or run errands,” he says, adding that TV can be a helpful tool to help reduce feelings of mild separation anxiety.</p> <p>However, Dr Ahn cautions that TV should not be used as a replacement for real owner-pet interaction. “Dogs are social animals,” he explains, “and they need interactions with their pet parents, as well as appropriate amounts of daily exercise.” So unlike your moody teen, who may be more interested in a smartphone than in your company, your dog always wants to hang out with you, whether that means going for a walk, playing a game of fetch, or just chilling on the couch at your side.</p> <p>Dr Roth highlights another potential issue: Some commercials or programming may emit sounds that are distressing to dogs. Typically, bothersome noises for dogs include explosions, gunshots, sirens and crying, and TV sounds that are loud to us are even louder for dogs, thanks to their more sensitive ears – and sounds that are barely perceptible to us might really bother them. So if you’re leaving the TV on when you’re not at home, it’s a good idea to keep the volume low.</p> <p><strong>What does TV look like to dogs?</strong></p> <p>When it comes to watching TV, humans have a distinct advantage over dogs, mostly because we can see colour, and dogs see only a very limited colour range (though they do see in the dark better than we do). “It’s hard to say exactly what [TV] looks like for a dog,” says Dr Ahn. “However, it is generally believed that because of the composition of the cones in the retina, dogs probably are only able to see two specific colours – blue and yellow.”</p> <p>Dr Roth agrees, noting that most dogs can see the movement of images and appreciate the sound, but they’re likely not able to interpret changes in colours. So if you’re looking for the right channel to entertain your pooch, live-action programs with noisy animals will probably interest them more than, say, a colourful cartoon like The Lion King.</p> <p><strong>Do dogs know that TV isn't real?</strong></p> <p>So we’ve answered the question of “Do dogs watch TV?” But what about their perception of TV? Do they understand that there’s not a “real” dog or cat romping on the 2D screen, or do they think it’s the real thing? “We have not been able to establish that pets can distinguish real versus fantasy,” says Dr Roth. The only one who knows for certain is the dog himself, and he’s not telling.</p> <p>Dr Ahn agrees that it’s hard to know exactly what dogs think about television and whether it’s real or not. “But,” he says, “one might deduce that over time, dogs are at least able to sense that there is limited (one-way) interactivity with a television.”</p> <p><strong>Why do some dogs watch TV and others don't?</strong></p> <p>Why does your best friend like action movies while you prefer to binge-watch Bridgerton? Because just like dogs, we all have different tastes and interests – though dogs’ interest in TV may have something to do with their breed. Dr Roth says this mostly comes down to attention span and personality. Dogs with a strong prey drive (think Dobermans and other dogs that like to chase cats) “are sensitive to small environmental movements and are more likely to react to the movement on TV. Calm dog breeds,” she adds, citing Golden Retrievers as an example, “are less likely to be reactive and have their attention captivated by the TV.”</p> <p>Dr Ahn notes that the type of programming may also play a role in the dog’s level of interest. “For example,” he says, “a 24-hour news channel may be less stimulating to a dog compared with a channel that is broadcasting a dog show.”</p> <p><strong>Should you leave the TV on for your dog when you're not home?</strong></p> <p>According to our veterinary experts, it depends. When you’re away from home, TV can be a useful way to keep your dog entertained and keep them from getting bored or getting up to mischief when you’re not around, as well as lessen separation anxiety. “There are several music video stations that can be really great to keep a pet’s environment friendly,” says Dr Roth. But if the channel plays a variety of content all day, she says there’s always a chance that something distressing to your pet might come on. “I’ve seen pets jump into TVs because they’re chasing something on a screen. Find out what your pet likes and keep to those channels.”</p> <p>And again, as Dr Ahn has noted, the television shouldn’t be used as a replacement for the quality bonding time your dog needs with you. That said, if you want to connect with your pup when you’re away, you can set up Skype to answer calls automatically and “talk” to your dog via video call, or use the Barkio app to leave soothing messages for your dog. Just remember: This can be a comfort to some pets, but potentially a stressor to others who might get confused that their human magically appears onscreen and then disappears. And watch out – if your dog figures out how to call you at work, things could get a little awkward during your next staff meeting!</p> <p><em>Image credits: Getty Images</em></p> <p><em>This article originally appeared on <a href="https://www.readersdigest.com.au/food-home-garden/pets/do-dogs-actually-watch-tv" target="_blank" rel="noopener">Reader's Digest</a>. </em></p>

Family & Pets

Placeholder Content Image

These 10 smart grocery swaps can help reverse diabetes

<p><strong>Diagnosis diabetes</strong></p> <p>It can feel daunting to be faced with the need to make a major lifestyle change. You enjoy food, and you should. At Reader’s Digest, we like to think nature designed nutrition to taste delicious so it can be a source of pleasure in your day that’s fun to look forward to.</p> <p>If you’ve been diagnosed with diabetes or pre-diabetes, this diagnosis doesn’t have to take over your whole identity and all the things that bring you joy. There are ways to adapt some of your favourite foods so you can still have them!</p> <p>Registered dietitian Jackie Newgent lists interesting meal swaps you can make so that classic dishes can be healthier, while still plenty pleasurable.</p> <p>With some wisdom and dedication, it can be possible to turn your condition around and feel great for good.</p> <p><strong>Pair starchy with non-starchy veggies</strong></p> <p><span style="text-decoration: underline;"><em>Instead of:</em></span> one kilo potatoes</p> <p><span style="text-decoration: underline;"><em>Buy:</em></span> 500g kilo potatoes plus 500g cauliflower</p> <p>This mashed potato hack keeps your total carbs in check without forgoing flavour. Whip equal parts boiled potatoes together with roasted or boiled cauliflower.</p> <p>The results of this dynamic duo may help you better manage your blood glucose, since they’re carb-friendlier than a huge bowl of mashed potatoes alone: 100 grams of cooked potatoes without skin provides 22 grams of total carbohydrates, versus 13 grams total carbohydrate in the 100 gram combination of cooked potatoes and cauliflower.</p> <p><strong>Pick fruit you can chew</strong></p> <div> <p><span style="text-decoration: underline;"><em>Instead of:</em></span> one litre apple juice</p> <p><span style="text-decoration: underline;"><em>Buy:</em></span> one bag of apples</p> <p>Enjoy whole fruit rather than just the juice whenever possible to get all the fibre of the naturally sweet fruit with its edible peel…plus chewing satisfaction. One medium apple contains 4.4 grams of fibre while a 200ml glass or juice box of 100-percent apple juice has 0.4 grams of fibre.</p> <p>The soluble fibre in apples can help slow down absorption of sugars. Polyphenols in apples may have powerful antioxidant properties.</p> <p><strong>Grill a better burger</strong></p> <p><span style="text-decoration: underline;"><em>Instead of:</em></span> 500g 85% lean ground beef patties</p> <p><span style="text-decoration: underline;"><em>Buy:</em></span> 500g ground chicken breast</p> <p>Gram for gram, chicken breast has significantly less saturated fat than the marbly beef of classic burgers. Specifically, an 85g cooked 85% lean ground beef patty has five grams of saturated fat compared to 0.6 grams of saturated fat for a cooked patty made from 85g of chicken breast meat.</p> <p>Keeping saturated fat intake low is especially important when you have diabetes to help keep your heart healthy. Pro-tip: make chicken burgers juicier and tastier by combining ground chicken breast with a little plain yogurt, rolled oats, and herbs and spices before cooking.</p> <p><strong>Look for live cultures in the dairy section</strong></p> <p><span style="text-decoration: underline;"><em>Instead of:</em></span> one container regular cottage cheese</p> <p><span style="text-decoration: underline;"><em>Buy:</em></span> one container plain low-fat Greek yogurt or cultured cottage cheese</p> <p>Probiotics are “good” bacteria that help keep your gut healthy. For people with type 2 diabetes, research published in Advances in Nutrition suggested that probiotics may also have glucose-lowering potential. So, pop products with live active cultures (probiotics) into your cart while strolling by the dairy aisle. Choose plain low-fat Greek yogurt or cultured cottage cheese.</p> <p>Be sure to read the nutrition labels, since probiotics aren’t in all dairy foods. And, for the lower-sodium pick, stick with yogurt.</p> <p><strong>Choose healthier-sized grain portions </strong></p> <p><span style="text-decoration: underline;"><em>Instead of:</em></span> 1/2 dozen bakery-style plain bagels</p> <p><span style="text-decoration: underline;"><em>Buy:</em></span> one package of wholegrain English muffins</p> <p>Swapping wholegrain in place of refined grain products helps kick up fibre and other plant nutrients. Studies suggests this is linked to lower risk of type 2 diabetes. Also, opting for healthier-sized varieties, such as wholegrain English muffins rather than big bakery-style plain bagels helps cut kilojoules (and carbs) – not enjoyment – while promoting a healthier weight. In fact, you’ll slash over 1000 kilojoules by enjoying a whole-wheat English muffin instead of that oversized 140g bagel.</p> <p><strong>Get your munchies with benefits </strong></p> <p><span style="text-decoration: underline;"><em>Instead of:</em></span> one bag of potato chips</p> <p><span style="text-decoration: underline;"><em>Buy:</em></span> one jar or bulk-bin container of roasted peanuts</p> <p>It’s a no-brainer: a small handful of nuts is a better bet than potato chips. Peanuts, for instance, offer a triple whammy of dietary fibre, plant protein and healthy fat, which can boost satiety. Greater satisfaction means a greater chance you’ll keep mealtime portions right-sized.</p> <p>When peanuts or other nuts are eaten along with carb-rich foods, they can help slow down the blood sugar response. Plus, a Mediterranean study found that higher nut consumption may be associated with better metabolic status.</p> <p><strong>Dress a salad smartly </strong></p> <p><span style="text-decoration: underline;"><em>Instead of:</em></span> one bottle of fat-free salad dressing</p> <p><span style="text-decoration: underline;"><em>Buy:</em></span> one small bottle olive oil plus one small bottle balsamic or red wine vinegar</p> <p>Some bottled salad dressings can trick you. For instance, “fat-free” salad dressing may be loaded with added sugars. (For reference: four grams of sugar is equal to one teaspoon.)</p> <p>So, read salad dressing labels carefully for sneaky ingredients, especially excess salt (over 250 milligrams of sodium per two-tablespoon serving) or added sugars (more than five grams added sugars per two-tablespoon serving). Better yet, keep it simple and make your own vinaigrette using 2-3 parts oil to 1 part vinegar.</p> <p><strong>Select less salty soup</strong></p> <p><span style="text-decoration: underline;"><em>Instead of:</em></span> one can/carton of vegetable- or bean-based soup</p> <p><span style="text-decoration: underline;"><em>Buy:</em></span> one can/carton of low-sodium vegetable- or bean-based soup</p> <p>When compared to people without diabetes, sodium levels were higher in patients with type 2 diabetes, based on a meta-analysis published in European Journal of Nutrition. Curbing sodium intake is beneficial for people with diabetes since too much may increase your risk for high blood pressure.</p> <p>So, slurp up soup that’s low in sodium. And kick up flavour with a splash of cider vinegar, grated citrus zest, herbs, spices, or a dash of hot sauce.</p> <p><strong>Go for "naked" fish</strong></p> <p><span style="text-decoration: underline;"><em>Instead of:</em></span> Breaded fish sticks</p> <p><span style="text-decoration: underline;"><em>Buy:</em></span> Frozen salmon fillets</p> <p>Cut salmon into large cubes, season, and grill on skewers. Or make fish sticks by simply cutting into skinny fillets, season and roast. Why? Research published in Diabetes Care finds that eating oily fish may be associated with a lower risk of type 2 diabetes. Non-oily fish, like the whitefish in fish sticks, didn’t show this link.</p> <p>Salmon is an oily fish and a major source of omega-3 fatty acids, a heart-friendly fat. Plus: when you make your own salmon skewers or sticks, you won’t have extra carbs from breading.</p> <p><strong>Do dip with a punch of protein</strong></p> <p><span style="text-decoration: underline;"><em>Instead of:</em></span> one container of sour cream &amp; onion dip</p> <p><span style="text-decoration: underline;"><em>Buy:</em></span> one container of pulse-based dip, like hummus</p> <p>Wise snacking can be helpful for managing blood glucose. It can also be delicious. Dunk veggies or wholegrain pita wedges into pulse-based dip, like hummus, black bean dip, or lentil dip.</p> <p>Check this out: one-quarter cup (that’s 60 grams) of onion dip has 870 kiljoules, five grams of saturated fat, 1.2 grams of protein, and 0.1 grams of fibre, while one-quarter cup hummus has 590 kilojoules, 1.5 grams of saturated fat, 4.7 grams of protein, and 3.3 grams of fibre. Hummus clearly wins!</p> <p><em>Image credits: Getty Images</em></p> <p><em>This article originally appeared on <a href="https://www.readersdigest.com.au/healthsmart/diabetes/reverse-diabetes-10-smart-grocery-swaps?pages=1" target="_blank" rel="noopener">Reader's Digest</a>. </em></p> </div> <div class="slide-image" style="font-family: inherit; font-size: 16px; font-style: inherit; box-sizing: border-box; border: 0px; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"> </div>

Food & Wine

Placeholder Content Image

"I can't wake Mummy up": Olympian dies at 43

<p>A former Olympic swimmer has passed away suddenly at the age of 43 while on a trip with her family. </p> <p>Helen Smart, a British swimming champion who competed at the 2000 Sydney Olympics, was found unresponsive by her four-year-old daughter Heidi when she tried to climb into bed with her parents. </p> <p>Heidi then woke up her father Craig Smart, saying, "Daddy, I can't wake Mummy up," before Craig discovered his wife lying next to him dead.</p> <p>Smart's mother confirmed the news of her passing, telling the <a href="https://www.dailymail.co.uk/news/article-12413199/Ex-Olympic-swimmer-turned-headteacher-Helen-Smart-dead-four-year-old-daughter-heartbreaking-video-shows-mother-paddleboarding-hours-sudden-death-aged-42.html" target="_blank" rel="noopener"><em>MailOnline</em></a>, "Heidi had woken up in the night and tried to get into bed with her. She said to her daddy, 'Mummy won't wake up''. He said, 'Oh, she must be very tired Heidi - you go back to bed'."</p> <p>"He put the torch on and he said later that when he looked he could tell."</p> <p>Linda continued, "We're distraught. They don't know what it is but they think it must have happened shortly after she went to bed. She just died in her sleep."</p> <p>Just hours before her sudden passing, Helen and her family had been paddle boarding in the north of England, while on a trip for her brother Robert's 40th birthday. </p> <p>Helen had not been suffering with any illnesses her family knew of. </p> <p>Linda said, "At midnight, she went to bed telling me: 'I'll go to bed now mum as I know I'll be woken at 6am by Heidi. I just want to get some sleep in as I've had a long day.'"</p> <p>Linda was then woken by Robert at 4am who said, "Mum, dad, you need to keep up - we think Helen's died."</p> <p>Smart's father John said he and his wife "can't comprehend how she could simply go to sleep and not wake up."</p> <p>Helen became a school principal after her retirement from swimming and was enjoying her new life. </p> <p>Craig Smart took to her school's Facebook page to say his wife "loved the school, staff, children and parents so much."</p> <p>"She was so proud to reach her goal of being Head Teacher," he continued. "She used to say to me all the time she could never see herself at another school. She was Worsley Mesnes through and through! I remember only last week she said her goal was to get the school to outstanding and that she had the right staff to achieve this!"</p> <p>"I hope you all keep learning like champions. Please learn from this and live your best life, no regrets, take lots of photos, make memories and keep smiling just like Helen always did!" he added.</p> <p><em>Image credits: Twitter / Getty Images</em></p>

Caring

Placeholder Content Image

Hard to watch! Paralympic champion given the worst gifts ever

<p>A Spanish Paralympic cyclist has been given the worst trophy gifts in history, with his calm and collected reaction making waves online. </p> <p>Ricardo Ten Argiles was last week crowned world champion in three separate events at the 2023 UCI World Championships in Glasgow, Scotland.</p> <p>During the post race ceremonies, he was presented with two gold medals, along with two very surprising gifts from the event's major sponsor: international watch company Tissot.</p> <p>The 47-year-old was gifted not one, but TWO watches in a fancy display case, despite having both his arms amputated at the forearm. </p> <p>A video of Ten keeping a straight face while being handed one of the watches has started to spread across the internet with more than 800,000 views.</p> <blockquote class="twitter-tweet"> <p dir="ltr" lang="en">Not a very well thought gift. <a href="https://t.co/hRhaTfnGsE">pic.twitter.com/hRhaTfnGsE</a></p> <p>— Cycling out of context (@OutOfCycling) <a href="https://twitter.com/OutOfCycling/status/1691136594747469836?ref_src=twsrc%5Etfw">August 14, 2023</a></p></blockquote> <p>One video shows Ten standing on the podium and exchanging some friendly words with an official as he holds the watch case tightly between his arms. </p> <p>Understandably, the mortifying moment has been met with outrage and black humour. </p> <p>The athlete himself has been laughing off the incident and has embraced the way his social media pages have exploded with comments.</p> <p>Many of the comments suggested that Ten regift the expensive watches at Christmas, while others wondered how officials at the event could've let the awkward gifts happen. </p> <p>Despite the outrage from fans, Ten responded to one news story about the “tactless blunder” by writing on Twitter, “I am very happy to have won two TISSOTs, one for each arm, but above all for what it means for Paralympic cycling, total inclusion of the sport at the highest level”.</p> <p><em>Image credits: Twitter</em></p>

Body

Placeholder Content Image

5 must-watch films about ageing

<p>In an age where it seems everything pop culture is concerned with youthfulness and preventing the process of ageing at every chance, these films bucked the trend to bring authentic (not to mention entertaining) stories about ageing to the masses. Here are five movies about the trials and triumphs of growing old that you simply can’t miss.</p> <p><strong><em>About Schmidt</em></strong></p> <p>Starring Jack Nicholson as the newly-retired Warren Schmidt, this is a film about finding friendship and meaning in unlikely places. After his wife suddenly dies, he takes a life-changing trip across the country, confronting his demons and learning about what he really wants out of life. The final scene alone is worth a watch.</p> <p><strong><em>Amour</em></strong></p> <p>If you can stand the subtitles, this Oscar-winning French film is definitely not one to miss. It follows the story of an elderly couple, Anne and George, as they face the challenges that arise when Anne experiences a severe stroke. It’s a beautiful movie which showcases the power of love and the strength of the human spirit.</p> <p><em><strong>On Golden Pond</strong></em></p> <p>This 1981 film earned Henry Fonda an Oscar, and it’s not difficult to see why. <em>On Golden Pond</em> candidly explores the not-so-welcome side effects of ageing and the heartbreaking impact of memory loss on a tight-knit family. With great performances from Katherine Hepburn and Fonda’s daughter Jane, this is a film every family needs to watch.</p> <p><em><strong>The Curious Case of Benjamin Button</strong></em></p> <p>It may surprise you, but <em>Benjamin Button</em> is actually a fantastic commentary on what it means to grow old and how little our ‘age’ reflects how old we feel on the inside. Loosely based on F. Scott Fitzgerald’s 1992 short story of the same name, the film follows the relationship between Daisy Fuller (Cate Blanchett) and Benjamin Button (Brad Pitt), who bizarrely ages in reverse.</p> <p><strong><em>The Best Exotic Marigold Hotel</em></strong></p> <p>Featuring a star-studded cast including Judi Dench, Maggie Smith and Bill Nighy, if you haven’t already seen <em>The Best Exotic Marigold Hotel</em>, you’re in for a treat. The film follows a group of British seniors who move to a retirement hotel in India. What follows is an experience that just goes to show, it’s never too late to rediscover yourself. Plus, the sequel is just as fun!</p> <p><em>Image credit: Shutterstock</em></p>

Movies

Placeholder Content Image

How scammers use psychology to create some of the most convincing internet cons – and what to watch out for

<p><a href="https://theconversation.com/profiles/stacey-wood-473147"><em>Stacey Wood</em></a><em>, <a href="https://theconversation.com/institutions/scripps-college-2153">Scripps College</a> and <a href="https://theconversation.com/profiles/yaniv-hanoch-1341108">Yaniv Hanoch</a>, <a href="https://theconversation.com/institutions/university-of-southampton-1093">University of Southampton</a></em></p> <p><a href="https://www.experian.co.uk/blogs/latest-thinking/fraud-prevention/cybercrime-fraud-most-common-crime-uk/">Online fraud is today’s most common crime</a>. Victims are often told they are foolish for falling for it, but fraudsters use psychological mechanisms to infiltrate the defences of their targets, regardless of how intelligent they are.</p> <p>So it’s important to keep up with the latest scams and understand how they work.</p> <p>Recently, consumer protection magazine Which? <a href="https://www.which.co.uk/news/article/the-4-most-convincing-scams-weve-seen-in-2023-so-far-a7bRP9s0KJvG">identified some of the most convincing scams of 2023</a>. These scams all have one thing in common – they insidiously take advantage of people’s cognitive biases and psychological blind spots.</p> <p>They included “pig butchering” a way of fattening up victims with affection, the missing person scam which involves posting fake content on social media pages, the traditional PayPal scam, and a new scam called the “fake app alert” in which malware is hidden on apps that look legitimate.</p> <h2>Pig butchering</h2> <p>In our work as fraud psychology researchers we have noticed a trend towards hybrid scams, which combine different types of fraud. Hybrid scams often involve crypto investments and <a href="https://www.psychologytoday.com/us/blog/the-fraud-crisis/202210/new-scams-committed-forced-trafficked-labor">sometimes use trafficked labour</a> In the US alone, <a href="https://www.fbi.gov/contact-us/field-offices/springfield/news/internet-crime-complaint-center-releases-2022-statistics">the FBI recently reported</a> that people lost US $3.3 billion (£2.6 billion) in 2023 to investment fraud.</p> <p>Pig butchering is a long-term deception. <a href="https://www.cnbc.com/2023/05/02/pig-butchering-scammers-make-billions-convincing-victims-of-love.html">This type of scam</a> combines elements of <a href="https://www.actionfraud.police.uk/a-z-of-fraud/romance-scams">romance scams</a> with an investment con. The name comes from the strategy of <a href="https://www.theguardian.com/money/2023/may/22/dating-cons-and-dodgy-apps-among-most-common-scams-says-uk-watchdog">“fattening up” a victim with affection before slaughter</a>.</p> <p>It will usually begin with <a href="https://www.which.co.uk/policy-and-insight/article/pig-butchering-among-most-convincing-scams-of-2023-so-far-which-warns-aDRtr4I1UT1R">standard scam approach like a text</a>, social media message, or an introduction at a job board site.</p> <p>Victims may have their guard up at first. However, these scams can unfold over months, with the scammer slowly gaining the victims’ trust and initiating a romantic relationship all the while learning about their vulnerabilities.</p> <p>For example, details of their financial situation, job stresses, and dreams about the life they want. Romance scammers often saturate their targets with affection and almost constant contact. Pig butchering sometimes involves several trafficked people working as a team to create a single persona.</p> <p>Once the victim depends on the scammer for their emotional connection, the scammer introduces the idea of making an investment and uses fake crypto platforms to demonstrate returns. The scammers may use legitimate sounding cryptocoins and platforms. Victims can invest and “see” strong returns online. In reality, their money is going directly to the scammer.</p> <p>Once a victim transfers a substantial amount of money to the con artist, they are less likely to pull out. This phenomenon is known as the <a href="https://www.sciencedirect.com/science/article/abs/pii/0749597885900494">“sunk cost fallacy”</a>. Research has shown people are likely to carry on investing money, time and effort in activities they have already invested in and ignore signs the endeavour isn’t in their best interests.</p> <p>When the victim runs out of money or tries to withdraw funds, they are blocked.</p> <p>The victim is left with not only financial devastation, but also the loss of what they may imagine to be their most intimate partnership. They are often <a href="https://cloud-platform-e218f50a4812967ba1215eaecede923f.s3.amazonaws.com/uploads/sites/6/2021/12/VC-Who-Suffers-Fraud-Report-1.pdf">too embarrassed to discuss the experience</a> with friends and family or to report to the police.</p> <h2>PayPal scams</h2> <p>Fake payment requests are a common attack that works by volume rather than playing the long game. Payment requests appear to come from a genuine PayPal address. Fraudulent messages typically begin with a generic greeting, an urgent request and a fake link.</p> <p>For example, Dear User: You’ve received a payment, or you have paid too much. Please click link below for details. Users are directed to a spoofed website with a legitimate sounding name such as www.paypal.com/SpecialOffers and asked to enter their account information and password.</p> <p>Both of us have received these scam requests – and even we found them difficult to discern from legitimate PayPal request emails. These scams work through mimicry and play on the human tendency to trust authority. Legitimate PayPal correspondence is usually automatic bot language, so it is not difficult to imitate.</p> <p>But remember, genuine messages from PayPal <a href="https://www.paypal.com/ca/for-you/account/security/fraud-dangers#:%7E:text=Any%20email%20from%20PayPal%20will,bank%20account%2C%20or%20credit%20card.">will use your first and last name</a>.</p> <h2>The missing person scam</h2> <p>This seems to be a new scam that exploits a person’s kindness. In the past, charity scams involved posing as charitable organisation responding to a <a href="https://www.aarp.org/money/scams-fraud/info-2019/charity.html">recent, real calamity</a>.</p> <p>The new missing person scam is more sophisticated. The initial plea is a <a href="https://www.thesun.co.uk/tech/20875699/facebook-fake-missing-child-scam-warning/">fake missing person post</a> that generates likes and shares, increasing its credibility and exposure. Then the fraudster edits the content to create an investment scheme which now has the veneer of legitimacy.</p> <p>This scam may work because the initial consumers are unaware that the content is fraudulent, and there is no obvious request. In psychology, this type of persuasion is known as “<a href="https://thedecisionlab.com/reference-guide/psychology/social-proof">social proof</a>” – the tendency of individuals to follow and copy behaviour of others.</p> <h2>Fake app alerts</h2> <p>People post mobile apps, designed to steal users’ personal information, on the Google Play or Apple app store.</p> <p>The app often has a <a href="https://www.edinburghnews.scotsman.com/news/crime/another-person-comes-forward-after-banking-app-scam-3584340">legitimate function</a>, which gives it a cover. Consumers unknowingly jeopardise their private information by downloading these apps which use malware to access additional information.</p> <p>Although there has been <a href="https://tech.co/news/fake-android-apps-delete">media coverage of Android security issues</a>, many users assume malware <a href="https://www.ben-evans.com/benedictevans/2020/8/18/app-stores">cannot bypass app store screening</a>. Again, this scam plays on people’s <a href="https://psycnet.apa.org/doiLanding?doi=10.1037%2F0021-9010.92.3.639">trust in authority figures</a> to keep tjem safe.</p> <p>Discuss any investment opportunities with friends, family members or professionals. It’s much easier said than done, but exercising caution one of the best strategies to reduce the chance of becoming a fraud victim.</p> <p>Scammers count on people paying little to no attention to their emails or messages before clicking on them or providing valuable information. When it comes to scams, the devil is in the missing details.<!-- Below is The Conversation's page counter tag. Please DO NOT REMOVE. --><img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/207759/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /><!-- End of code. If you don't see any code above, please get new code from the Advanced tab after you click the republish button. The page counter does not collect any personal data. More info: https://theconversation.com/republishing-guidelines --></p> <p><em><a href="https://theconversation.com/profiles/stacey-wood-473147">Stacey Wood</a>, Professor of Psychology, <a href="https://theconversation.com/institutions/scripps-college-2153">Scripps College</a> and <a href="https://theconversation.com/profiles/yaniv-hanoch-1341108">Yaniv Hanoch</a>, Professor in Decision Science, <a href="https://theconversation.com/institutions/university-of-southampton-1093">University of Southampton</a></em></p> <p><em>Image credits: Shutterstock</em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/how-scammers-use-psychology-to-create-some-of-the-most-convincing-internet-cons-and-what-to-watch-out-for-207759">original article</a>.</em></p>

Technology

Placeholder Content Image

The Super Mario Bros. Movie: don’t watch it for the story but for how it successfully represents gameplay

<p>The first videogame I ever played was the arcade game <a href="https://www.youtube.com/watch?v=Pp2aMs38ERY">Donkey Kong</a>. Released in 1981, it took us into a blocky-looking world where a carpenter in overalls raced along platforms and up ladders in a building site to rescue a lady kidnapped by a large ape. Its humble hero, <a href="https://en.wikipedia.org/wiki/Mario">Mario</a>, went on to feature in scores of multi-million dollar grossing games, becoming an icon <a href="https://www.dukeupress.edu/recentering-globalization">as popular as Mickey Mouse</a>.</p> <p>Having grown up in the 1980s, the new <a href="https://www.youtube.com/watch?v=TnGl01FkMMo">Super Mario Bros. Movie</a> meant more to me than the average fantasy animation film. Watching <a href="https://www.youtube.com/watch?v=yKxaYsn_F78">Mario and Donkey Kong have it out</a> on a massive screen – at a resolution so high you can see a single hair or wrinkle on these crisp-looking, toy-like characters – was remarkable.</p> <p>Yet, it felt like the mission of this movie wasn’t just about creating flashy, fleshy cartoon characters or trying to tell a compelling story – it was about doing justice to the feel of these videogames that span decades and are still enjoyed by millions around the world.</p> <h2>A film about jumping</h2> <p>Story-wise, this is another of those PG-rated fantasy comedies that celebrate the 1980s and games culture. There’s a beta male baddy (Bowser, a fire-breathing dragon-turtle hybrid) and his army who must be defeated by a good-hearted guy (Mario) – helped by his brother (Luigi), a strong independent woman (Princess Peach), and a cast of zany allies.</p> <p>But what makes the film worth watching is how it tips its hat to aspects of gameplay.</p> <p>One of its biggest achievements is the unpretentious, funny recreations of moments from the videogames. Sometimes this happens by staging action-packed scenes that are <a href="https://www.youtube.com/watch?v=yP-Qduvw9zY">framed from the same perspective as the videogame players</a>. For instance, seeing Mario and Luigi dash through a building site with the camera zoomed out to capture the entire screen from a side perspective is the filmmaker’s nod to the pleasures of platform games.</p> <p>The film also humorously reflects on player experience. Anybody who has enjoyed a Mario game might recall the disappointing feeling of falling down a pit after a failed attempt to reach a high platform. In the movie, Mario is initially inept at all of this. He is put through a funny 1980s montage of <a href="https://www.youtube.com/watch?v=pKKBlSzMs4o">trial and error</a>, which reminds us how players got the hang of these games.</p> <p>The emphasis on replicating gameplay may be the influence of Japanese games design superstar <a href="https://www.rollingstone.com/tv-movies/tv-movie-features/the-super-mario-bros-movie-shigeru-miyamoto-koji-kondo-nintendo-interview-easter-eggs-1234706449/">Shigeru Miyamoto</a>, the creator of Mario, who co-produced the movie.</p> <p>Where other designers may have attempted to create a “proper” Mario movie by focusing on realism or a more sophisticated story, Miyamoto has long been adamant about seeing videogames <a href="https://shmuplations.com/miyamoto1989/">as toys</a>. Now he has created a true videogame movie.</p> <h2>Games as toys</h2> <p>Approaching games as toys is consistent with the long history of Kyoto-based games company Nintendo. It started back in 1889 producing playing cards, and even <a href="https://www.hobbydb.com/marketplaces/hobbydb/subjects/n-b-block-series">competed with Lego</a> before going on to revolutionise the videogaming medium with titles such as Super Mario Bros. in the early 1980s.</p> <p>In most of Nintendo’s games, the end goal is not necessarily found in the stories – rather, these serve the pleasure of playing. In Super Mario Bros., for example, the damsel-in-distress narrative of Bowser kidnapping Princess Peach merely kicked off a game mostly about jumping.</p> <p><a href="https://www.youtube.com/watch?v=a6Al_DShXX0">Other Mario adaptations for the big screen</a> have sought to translate gameplay with varying success. Take the 1993 <a href="https://www.youtube.com/watch?v=GuXwMHF9y1Y&amp;ab_channel=RottenTomatoesClassicTrailers">Super Mario Bros. live action</a> film, which was critically panned but has gone on to gain cult status. As a <a href="https://www.nytimes.com/1993/05/29/movies/review-film-plumbing-a-video-game-to-its-depths.html">reviewer in the New York Times</a> put it: “This bizarre, special effects-filled movie doesn’t have the jaunty hop-and-zap spirit of the Nintendo video game from which it takes – ahem – its inspiration.”</p> <p>Gone, now, are the days of third-party licensing when cinematic game adaptations were left in the hands of external developers, resulting in <a href="https://www.youtube.com/watch?v=nKqFEV9rA1U">output that could look very different</a> to the games themselves – such as Super Mario Bros. Super Show! from the late 1980s. This animated show was not particularly faithful to the games: Mario and Luigi had a different kind of Italian-American accent and a Princess Toadstool. The live-action segments also featured crasser and more adult iterations of the characters.</p> <p>This time, however, Nintendo has worked with Universal Pictures to adapt the game, so the new animated movie is more faithful in brand continuity.</p> <h2>Mario’s most successful cinematic appearance</h2> <p>There are now entire TV series based on story-driven games, <a href="https://www.youtube.com/watch?v=eNF27c3-5Qw">whose scripts replicate the game almost verbatim</a>. For instance, the recent hit series The Last of Us saw fans cross-reference scene by scene with the original game.</p> <p>In contrast, the Super Mario Bros. Movie looks like an attempt to make a film that works more like a game. And in spite of a <a href="https://www.theguardian.com/film/2023/apr/09/the-super-mario-bros-movie-review-game-over-for-this-lazy-animated-mess">lukewarm reception from critics</a>, the new film stands to be the most successful cinematic Mario appearance yet.</p> <p>While the film has been downplayed by some as a “marketing machine” to sell Nintendo toys, critics overlook the fact that its success might be connected to how popular these toys already are. The games have <a href="https://www.theverge.com/2023/2/7/23589075/nintendo-switch-q3-2023-earnings-sales-console-third-bestselling">sold in the 100 millions</a>, which may explain the film’s ability to <a href="https://www.independent.co.uk/arts-entertainment/films/news/super-mario-bros-movie-box-office-b2317192.html">smash box-office records</a>.</p> <p>This film will have gameplaying fans poring over frames to identify references to the games and “Easter eggs” – messages hidden for knowing watchers to look out for. Older and new fans alike will recognise <a href="https://www.youtube.com/watch?v=otZ-D3OJeW4">the GameCube jingle in Luigi’s ringtone</a>, and enjoy vintage gaming items such as the “hammer power-up” that are on sale in the film’s antique shop.</p> <p>Many viewers will also recognise the <a href="https://www.youtube.com/watch?v=QilqLbynOsY">iconic musical motifs from the Super Mario Bros. levels</a>, and how the maps are reminiscent of Super Mario World. They will spot cutesy fan-favourites <a href="https://www.youtube.com/watch?v=_o6yvb5E2Sw">Yoshi</a> and Toad.</p> <p>The Super Mario Bros. Movie may indeed work to re-market Nintendo’s four-decade back catalogue of gaming classics to both nostalgic parents and kids. But in being driven by the very success of gaming culture, it defies critics looking at it as “just another movie”. Instead, they should see it as an extension of the videogame, and a celebration of how this expansive world makes people feel.</p> <p><em>This article originally appeared on <a href="https://theconversation.com/the-super-mario-bros-movie-dont-watch-it-for-the-story-but-for-how-it-successfully-represents-gameplay-203592" target="_blank" rel="noopener">The Conversation</a>.</em></p> <p><em>Images: Universal Pictures</em></p>

Movies

Our Partners