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Tourist's shocking behaviour sparks fury

Locals were left fuming after a picture of a tourist wearing next to nothing while shopping down a busy street went viral in Palma, Mallorca. The man confidently made his way through the sunny city centre in nothing but a pair of Speedos and shoes, surrounded by others who were fully dressed. “Please arrest these near naked people,” one woman wrote. “Or the shirtless, near nude, bikini wearing morons who wander around markets, towns and shops. Ukkk! Quality tourism can’t come soon enough!" she added. “Another moron that should be banned from the island," another commented. “If the government/police were serious, they could slowly improve Mallorca by banning all these types of idiots.” Another local added that tourists would not behave like this at home and that his behaviour displayed a “lack of respect” typical of many tourists. Others were confused about where the holidaymaker was keeping his wallet as it seemed like he only held on to his phone and a red garment. One local even asked why he wasn't arrested, and someone replied: “Mallorca has some great laws in place. Unfortunately, nobody seems to enforce them.” It is illegal to only wear a bikini or swimming shorts in some public parts of Spain – including the Balearic Islands. Tourists can cop a fine of up to $1000 for wearing swimwear or going shirtless anywhere but the beach. The incident comes after weeks of furious anti-tourist protests, with residents in the Tenerife saying they are “fed-up” of “low quality” Brit tourists who only come for the cheap beer, burgers and sunbathing. Image: Majorca Daily Bulletin

Travel Trouble

Too many Australians aren’t getting a flu vaccine. Why, and what can we do about it?

<div class="theconversation-article-body"> <a href="https://theconversation.com/profiles/holly-seale-94294">Holly Seale</a>, <a href="https://theconversation.com/institutions/unsw-sydney-1414">UNSW Sydney</a> Australia’s childhood immunisation program gets very good uptake every year – <a href="https://www.health.gov.au/topics/immunisation/immunisation-data/childhood-immunisation-coverage">almost 94% of five-year-olds</a> have had all their routine vaccinations. But our influenza vaccine coverage doesn’t get such a good report card. Looking back over <a href="https://ncirs.org.au/influenza-vaccination-coverage-data/historical-national-influenza-vaccination-coverage-end-year-age">recent years</a>, for kids aged six months to five years, we saw a peak in flu vaccine coverage at the beginning of the COVID pandemic at 46%, which then declined to 30% by the 2023 season. While we’re still relatively early in the 2024 flu season, only <a href="https://ncirs.org.au/influenza-vaccination-coverage-data">7% of children</a> under five have received their flu shot this year so far. Although young children are a particular concern, flu vaccination rates appear to be lagging for the population as a whole. Reports indicate that <a href="https://www.abc.net.au/news/2024-05-07/calls-to-vaccinate-young-children-against-flu-as-season-begins/103783508">from March 1 to April 28</a>, 16% fewer people were vaccinated against the flu compared with the same period last year. So what’s going on, and what can we do to boost uptake? <h2>Why do we vaccinate kids against the flu?</h2> Last year, <a href="https://www.health.gov.au/sites/default/files/2023-12/aisr-2023-national-influenza-season-summary.pdf">reported cases of flu</a> were highest in children aged five to nine, followed by those aged zero to four. This is not a new trend – we record a high number of flu cases and hospital admissions in kids every year. So far <a href="https://nindss.health.gov.au/pbi-dashboard/">this year</a> children aged zero to four have had the highest number of infections, marginally ahead of five- to nine-year-olds. While kids are more likely to catch and spread the flu, they’re also <a href="https://theconversation.com/kids-are-more-vulnerable-to-the-flu-heres-what-to-look-out-for-this-winter-117748">at greater risk</a> of getting very sick from it. This particularly applies to children under five, and the flu vaccine is available for free for this age group. The flu vaccine isn’t perfect – it may not prevent infections entirely – but it’s definitely our best chance of protection. Research has shown influenza-related visits to the GP were <a href="https://pubmed.ncbi.nlm.nih.gov/27577556/">more than halved</a> in vaccinated children compared with unvaccinated children. <h2>So why are kids not receiving the vaccine?</h2> Often, it comes down to misunderstandings about who is eligible for the vaccine or whom it’s recommended for. But we can address this issue by nudging people via <a href="https://www.annfammed.org/content/15/6/507?sf174332549=1">a text message reminder</a>. Some parents <a href="https://www.sciencedirect.com/science/article/pii/S0264410X17318285">report concerns</a> about the vaccine, including the old dogma that it can cause the flu. The flu vaccine <a href="https://www.betterhealth.vic.gov.au/health/healthyliving/flu-influenza-immunisation">can’t give you the flu</a> because it doesn’t contain live virus. Unfortunately, that myth is really sticky. For <a href="https://onlinelibrary.wiley.com/doi/full/10.1111/jpc.15235">some parents</a>, the challenge can be forgetting to book or accessing an appointment. <h2>It’s not just kids at higher risk</h2> Adults aged 65 and over are also <a href="https://theconversation.com/im-over-65-and-worried-about-the-flu-which-vaccine-should-i-have-204810">more vulnerable</a> to the flu, and can receive a <a href="https://www.health.gov.au/topics/immunisation/vaccines/influenza-flu-vaccine">free vaccine</a>. For this group, we usually get around <a href="https://ncirs.org.au/influenza-vaccination-coverage-data/historical-national-influenza-vaccination-coverage-end-year-age">65% vaccinated</a>. So far this year, <a href="https://ncirs.org.au/influenza-vaccination-coverage-data/national-influenza-vaccination-coverage-all-people-age-group">around 35%</a> of over-65s have received their flu vaccine. Aboriginal and Torres Strait Islander people are likewise eligible for a free flu vaccine. While previously coverage rates were higher among Aboriginal and Torres Strait Islander peoples compared to the overall population, this gap has narrowed. There’s even some movement backwards, especially <a href="https://ncirs.org.au/influenza-vaccination-coverage-data/historical-national-influenza-vaccination-coverage-end-year-age">in younger age groups</a>. The flu vaccine is also free for pregnant women and anyone who has <a href="https://www.health.gov.au/topics/immunisation/when-to-get-vaccinated/immunisation-for-people-with-medical-risk-conditions">a medical condition</a> such as heart disease, chronic lung disease, diabetes or kidney disease. Past studies have found flu vaccine coverage <a href="https://www.phrp.com.au/wp-content/uploads/2022/06/PHRP31232111.pdf">for pregnant women</a> varies around the country from 39% to 76% (meaning in some jurisdictions up to 60% of pregnant women are not getting vaccinated). When it comes to adults with chronic health conditions, we don’t have a good sense of how many people receive the vaccine. The reasons adults don’t always get the flu vaccine overlap with the reasons for children. Often <a href="https://www.tandfonline.com/doi/full/10.1080/08870446.2021.1957104">concerns about side effects</a> are cited as the reason for not getting vaccinated, followed by time constraints. We also know <a href="https://www.aihw.gov.au/reports/primary-health-care/coordination-of-health-care-experiences-barriers/summary">accessing medical services</a> can be difficult for some people, such as those living in rural areas or experiencing financial hardship. <h2>Filling the gaps</h2> In Australia, GPs offer flu vaccines for all ages, while flu vaccination is also available at pharmacies, generally from age five and up. While some people make a conscious decision not to get themselves or their children vaccinated, for many people, the barriers are related to access. Programs offering vaccination outside the doctor’s office are increasing globally, and may assist in <a href="https://www.tandfonline.com/doi/full/10.1080/14760584.2019.1698955">filling gaps</a>, especially among those who don’t have regular access to a GP. For some people, their only point of contact with the <a href="https://pubmed.ncbi.nlm.nih.gov/34272104/">medical system</a> may be during emergency department visits. Others may have more regular contact with a <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC7046372/">specialist</a> who coordinates their medical care, rather than a GP. Offering vaccine education and programs <a href="https://journals.sagepub.com/doi/10.1177/0009922810374353">in these settings</a> has been shown to improve immunisation rates and may play a pivotal role in filling access gaps. Outside medical and pharmacy settings, the workplace is the most common place for Australian adults to receive their flu vaccine. A <a href="https://www.sciencedirect.com/science/article/pii/S1326020023004272">survey</a> showed Australian adults find workplace vaccination convenient and cost-effective, especially where free or subsidised vaccines are offered. Expanding vaccination settings, such as with <a href="https://journals.sagepub.com/doi/10.1177/19375867221087360?url_ver=Z39.88-2003&rfr_id=ori:rid:crossref.org&rfr_dat=cr_pub%20%200pubmed">drive-through</a> and mobile clinics, can benefit groups who have unique access barriers or are under-served. Meanwhile, offering vaccination through faith-based organisations has been shown to improve uptake among <a href="https://pubmed.ncbi.nlm.nih.gov/37013523/">racial and ethnic minority groups</a>. Eleftheria Lentakis, a masters student at the School of Population Health at UNSW Sydney, contributed to this article.<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/229477/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/holly-seale-94294">Holly Seale</a>, Associate Professor, School of Population Health, <a href="https://theconversation.com/institutions/unsw-sydney-1414">UNSW Sydney</a> Image credits: Shutterstock This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/too-many-australians-arent-getting-a-flu-vaccine-why-and-what-can-we-do-about-it-229477">original article</a>. </div>

Body

World's most disappointing tourist hotspots revealed

While many travellers tend to flock to must-see tourists attractions while exploring somewhere new on their holiday, it turns out not everyone is impressed with the hype. A host of scathing online reviews have targeted landmarks such as Stonehenge, the Eiffel Tower, the Leaning Tower of Pisa and even Bondi Beach, calling the sites "unimpressive", "boring" and "pointless". According to travellers, there are 15 tourist hotspots that don't live up to the hype, with many leaving the destinations feeling disappointed. Mona Lisa - Paris, France One of the most "disappointing" attractions, according to travellers, is da Vinci's masterpiece the Mona Lisa, which hangs in the Louvre in the French capital city. According to online reviews, nearly four in ten (37.1 per cent) visitors posted negative comments about visiting the work, saying it did not live up to their expectations. One review left on TripAdvisor described the experience as "a bit boring", adding, "The Mona Lisa was very small and not as beautiful as I thought it would be." Several other reviews stated how irritating the experience of actually seeing the artwork was, with one person claiming the Louvre had a "zoo-like atmosphere". The Eiffel Tower - Paris, France Tourists visiting France were double disappointed, after also being let down by the iconic Eiffel Tower, which many described as "not a very special place... it's just an iron building." "It's boring, nothing special about it. You have to wait in a long queue just to go up and take pictures," another person wrote. Others claimed the landmark is nothing but a "tourist trap", claiming it is "seriously underwhelming". Stonehenge - England For many, Stonehenge continues to be a wonder of mystery, as one of the most architecturally sophisticated ancient stone sculptures in the world, but for others, it's just a "big disappointment". One reviewer went so far as to say it was the "biggest disappointment of my life", saying, "I was expecting so much more. Do not waste your time people. The only magical thing about this place is that somehow it has the power to draw people on to look at it." Another person put simply, "It's a pile of rocks. Pointless." The Leaning Tower of Pisa - Italy While many tourists visiting Italy opt to check out the famous leaning tower, others tend to lean away from it, calling it a "tourist trap". One person reviewed the famous landmark, saying, "It's literally just a leaning tower. I wouldn’t make a stop here just to see it. It is overly crowded and hot in the summertime." Others claim they were hassled by countless street sellers, writing, "The whole area is crawling with at times aggressive street hawkers who feel it is OK to keep hassling and trying to sell you tourist crap." Checkpoint Charlie - Berlin, Germany Set up as a reminder of the former border crossing and the partition between East and West Berlin during the Cold War, Checkpoint Charlie is often known as a must-see spot. However, others have been left feeling let down by the historic spot. One traveller rated the site just one star, writing, "The only place in Berlin where we encountered street traders who were deeply unpleasant. The museum is overpriced and very tired. The whole area was uninspiring and a complete waste of our time." The Empire State Building - New York City, USA Every year, thousands of people pay to head to the top of the iconic Empire State Building to catch a glimpse of the New York City skyline. However, given the over-crowding of the observation platform and the hefty cost to enter, many have left feeling "underwhelmed" and "ripped-off". One person reviewed the landmark, writing, "Wow! What a waste of $185 for a family of three to struggle to fight our way to finally see a view obscured by a metal crisscross railing. Long lines, rude staff, cheesy "museum", and overpriced. It's as bad as an amusement park." Bondi Beach - Sydney, Australia A trip to Bondi Beach is often at the top of a tourist's travel itinerary when heading Down Under for the first time. But as the beach gains popularity, travellers have been increasingly underwhelmed by the picturesque beach given the over-crowding. One review read, "The beach is all the hype and show but it's like having a bath with your entire family and a dozen strangers. It's packed on any normal day and should be regulated with a fence line and tickets so it's not like cramming sardines into a can." Image credits: Getty Images

Travel Trouble

How to avoid 6 common tourist scams

Often when people are on holidays their focus is on relaxing or seeing the sights of the area. But if you don’t keep your wits about you, it’s possible you might end up losing everything to scammers who will do anything to get their hands on your belongings. Here we have six common scams to look out for while you are travelling abroad. Scam 1: You are in a busy bar in a tourist friendly area when some locals ask where you’re from and offer to buy you a drink. Without thinking, you accept the drink and then find yourself waking up hours later without any of your belongings as you’ve had your drink spiked. Solution: If people seem too friendly, be aware that they may be scammers. Don’t accept drinks from people you don’t know, and don’t leave your drink unattended to use the bathroom. Scam 2: You are about to put your handbag and computer on the conveyer belt to go through the scanner. The people in front of you walk through the metal detector and while one goes through, the other sets off the alarms. They step back into where you are standing and take their time removing wallets and coins from their pockets. While you are waiting for your turn to walk through the metal detector, the other person has taken your belongings and is long gone. Solution: Don’t place your items on the conveyer belt until there is no one else waiting in front of you to go through the metal detector. Scam 3: In a busy area such as after a concert or a busy night like New Year’s Eve it can be impossible to get public transport or a taxi back to your hotel. A friendly looking guy comes by and offers you a lift for a reasonable fee using his private car. The scam itself can then range from being charged an exorbitant amount when you arrive at your hotel – or you could even find yourself robbed and dropped by the side of the road with no way home. Solution: However tempting it is, never get in the car with an unlicensed taxi driver. This is even more important to note if you are travelling alone. Scam 4: While you are waiting with your luggage for a train or bus, a passer-by appears to drop their wallet and walk off without noticing. You might try to do the right thing by grabbing the wallet and running after the person to return it. By the time you get back, your luggage is missing. Solution: When travelling alone, never leave your items unattended even if it means you don’t help someone when you normally would. This is especially true in airports where baggage will quickly be confiscated if left alone. Scam 5: You’re taking in the sights when a couple of men dressed as policemen approach you. They demand to see your wallet and let you know that counterfeit money has been given to tourists in the area. When your wallet is returned it has had much of the contents removed. Solution: Police would never demand to see your wallet. If something doesn’t feel right, suggest that you continue the discussion at the nearest police station as you don’t feel comfortable. Most likely they will not push their luck. Scam 6: You receive a phone call in your hotel room late at night from someone claiming to be from the front desk. They apologise for the late call but request that you just confirm your credit card details as their system is playing up. You read out the numbers and hang up. Before too long your credit card has rung up a huge bill as this was a scammer calling you, not a staff member. Solution: Organise payment in person by letting the caller know that you will come down to the front desk to discuss it. Image credits: Getty Images

Travel Tips

Australian churches collectively raise billions of dollars a year – why aren’t they taxed?

<div class="theconversation-article-body"> <a href="https://theconversation.com/profiles/dale-boccabella-15706">Dale Boccabella</a>, <a href="https://theconversation.com/institutions/unsw-sydney-1414">UNSW Sydney</a> and <a href="https://theconversation.com/profiles/ranjana-gupta-1207482">Ranjana Gupta</a>, <a href="https://theconversation.com/institutions/auckland-university-of-technology-1137">Auckland University of Technology</a> There’s a good reason your local volunteer-run netball club doesn’t pay tax. In Australia, various nonprofit organisations are exempt from paying income tax, including those that do charitable work, such as churches. These exemptions or concessions can also extend to other taxes, including fringe benefits tax, state and local government property taxes and payroll taxes. The traditional justification for granting these concessions is that charitable activities benefit society. They contribute to the wellbeing of the community in a variety of non-religious ways. For example, charities offer welfare, health care and education services that the government would generally otherwise provide due to their obvious public benefits. The tax exemption, which allows a charity to retain all the funds it raises, provides the financial support required to relieve the government of this burden. The nonprofit sector is often called the third sector of society, the other two being government and for-profit businesses. But in Australia, this third sector is quite large. Some grassroots organisations have only a tiny footprint, but other nonprofits are very large. And many of these bigger entities – including some “megachurches” – run huge commercial enterprises. These are often indistinguishable from comparable business activities in the for-profit sector. So why doesn’t this revenue get taxed? And should we really give all nonprofits the same tax exemptions? <h2>Why don’t churches pay tax?</h2> The primary aim of a church is to advance or promote its religion. This itself counts as a charitable purpose under the <a href="https://www.legislation.gov.au/C2013A00100/asmade/text">2013 Charities Act</a>. However, section five of that act requires a church to have only charitable purposes – any other purposes must be incidental to or in aid of these. Viewed alone, the conduct of a church with an extensive commercial enterprise – which could include selling merchandise, or holding concerts and conferences – is not a charitable purpose. But Australian case law and <a href="https://www.acnc.gov.au/for-charities/start-charity/role-acnc-deciding-charity-status/legal-meaning-charity#:%7E:text=Taxation%20Ruling%20(TR)%202011%2F,set%20out%20in%20taxation%20rulings.">an ATO ruling</a> both support the idea that carrying on business-like activities can be incidental to or in aid of a charitable purpose. This could be the case, for example, if a large church’s commercial activities were to help give effect to its charitable purposes. Because of this, under Australia’s current income tax law, a church that is running a large commercial enterprise is able to retain its exemption from income tax on the profits from these activities. There are various public policy concerns with this. First, the lost tax revenue is likely to be significant, although the government’s annual tax expenditure statement does not currently provide an estimate of the amount of tax revenue lost. And second, the tax exemption may give rise to unfairness. A for-profit business competing with a church in a relevant industry may be at a competitive disadvantage – despite similar business activities, the for-profit entity pays income tax but the church does not. This competitive disadvantage may be reflected in lower prices for customers of the church business. <h2>What about taxing their employees?</h2> Churches that run extensive enterprises are likely to have many employees. Generally, all the normal Australian tax rules apply to the way these employees are paid – for example, employees pay income tax on these wages. Distributing profits to members would go against the usual rules of the church, and this prohibition is <a href="https://www.legislation.gov.au/C2013A00100/asmade/text">required</a> anyway for an organisation to qualify as a charity. Some churches may be criticised for paying their founders or leaders “excessive” wages, but these are still taxed in the same way as normal salaries. It’s important to consider fringe benefit tax – which employers have to pay on certain benefits they provide to employees. Aside from some qualifications, all the usual <a href="https://www.ato.gov.au/businesses-and-organisations/hiring-and-paying-your-workers/fringe-benefits-tax/how-fringe-benefits-tax-works">fringe benefit tax rules</a> apply to non-wage benefits provided to employees of a church. Just like their commercial (and taxable) counterparts, the payment for “luxury” travel and accommodation for church leaders and employees when on church business will not generate a fringe benefits taxable amount for the church. One qualification, though, is that a church is likely to be a <a href="https://www.ato.gov.au/businesses-and-organisations/hiring-and-paying-your-workers/fringe-benefits-tax/fbt-concessions-for-not-for-profit-organisations/fbt-rebatable-employers">rebatable employer</a> under the fringe benefit tax regime. This means it can obtain some tax relief on benefits provided to each employee, up to a cap. <h2>We may need to rethink blanket tax exemptions for charities</h2> Back in an age where nonprofits were mainly small and focused on addressing the needs of people failed by the market, the income tax exemption for such charities appeared appropriate. But in the modern era, some charities – including some churches – operate huge business enterprises and collect rent on extensive property holdings. Many are now questioning whether we should continue offering them an uncapped exemption from income tax, especially where there are questions surrounding how appropriately these profits are used. Debates about solutions to the problem have focused on various arguments. However, more data may be needed on the way charities apply their profits to a charitable purpose, particularly those involved in substantial commercial activities. An all-or-nothing rule exempting the whole charitable sector may no longer be fit for purpose if it fails to take into account the very different circumstances of different nonprofits.<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/228901/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/dale-boccabella-15706">Dale Boccabella</a>, Associate Professor of Taxation Law, <a href="https://theconversation.com/institutions/unsw-sydney-1414">UNSW Sydney</a> and <a href="https://theconversation.com/profiles/ranjana-gupta-1207482">Ranjana Gupta</a>, Senior Lecturer Taxation, <a href="https://theconversation.com/institutions/auckland-university-of-technology-1137">Auckland University of Technology</a> Image credits: Getty Images This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/australian-churches-collectively-raise-billions-of-dollars-a-year-why-arent-they-taxed-228901">original article</a>. </div>

Money & Banking

Australians lose $5,200 a minute to scammers. There’s a simple thing the government could do to reduce this. Why won’t they?

<div class="theconversation-article-body"><a href="https://theconversation.com/profiles/peter-martin-682709">Peter Martin</a>, <a href="https://theconversation.com/institutions/crawford-school-of-public-policy-australian-national-university-3292">Crawford School of Public Policy, Australian National University</a> What if the government was doing everything it could to stop thieves making off with our money, except the one thing that could really work? That’s how it looks when it comes to <a href="https://www.scamwatch.gov.au/types-of-scams">scams</a>, which are attempts to trick us out of our funds, usually by getting us to hand over our identities or bank details or transfer funds. Last year we lost an astonishing <a href="https://www.accc.gov.au/media-release/scam-losses-decline-but-more-work-to-do-as-australians-lose-27-billion">A$2.74 billion</a> to scammers. That’s more than $5,200 per minute – and that’s only the scams we know about from the 601,000 Australians who made reports. Many more would have kept quiet. If the theft of $5,200 per minute seems over the odds for a country Australia’s size, a comparison with the United Kingdom suggests you are right. In 2022, people in the UK lost <a href="https://www.ukfinance.org.uk/system/files/2023-05/Annual%20Fraud%20Report%202023_0.pdf">£2,300</a> per minute, which is about A$4,400. The UK has two and a half times Australia’s population. It’s as if international scammers, using SMS, phone calls, fake invoices and fake web addresses are targeting Australia, because in other places it’s harder. If we want to cut Australians’ losses, it’s time to look at rules about to come into force in the UK. <h2>Scams up 320% since 2020</h2> The current federal government is doing a lot – almost everything it could. Within a year of taking office, it set up the <a href="https://www.accc.gov.au/national-anti-scam-centre">National Anti-Scam Centre</a>, which coordinates intelligence. Just this week, the centre reported that figure of $2.74 billion, which is down 13% on 2022, but up 50% on 2021 and 320% on 2020. It’s planning “<a href="https://treasury.gov.au/consultation/c2023-464732">mandatory industry codes</a>” for banks, telecommunication providers and digital platforms. But the code it is proposing for banks, set out in a <a href="https://treasury.gov.au/sites/default/files/2023-11/c2023-464732-cp.pdf">consultation paper</a> late last year, is weak when compared to overseas. <h2>Banks are the gatekeepers</h2> Banks matter, because they are nearly always the means by which the money is transferred. Cryptocurrency is now much less used after the banks agreed to limit payments to high risk exchanges. Here’s an example of the role played by banks. A woman the Consumer Action Law Centre is calling <a href="https://consumeraction.org.au/wp-content/uploads/2024/02/Joint-submission-CALC-CHOICE-ACCAN-31012024-Scams-Mandatory-code-treasury-consultA.pdf">Amelia</a> tried to sell a breast pump on Gumtree. The buyer asked for her bank card number and a one-time PIN and used the code to whisk out $9,100, which was sent overseas. The bank wouldn’t help because she had provided the one-time PIN. Here’s another. A woman the Competition and Consumer Commission is calling <a href="https://www.accc.gov.au/system/files/Targeting%20scams%202022.pdf">Niamh</a> was contacted by someone using the National Australia Bank’s SMS ID. Niamh was told her account was compromised and talked through how to transfer $300,000 to a “secure” account. After she had done it, the scammer told her it was a scam, laughed and said “we are in Brisbane, come find me”. <h2>How bank rules protect scammers</h2> And one more example. Former University of Melbourne academic <a href="https://www.researchgate.net/publication/377766055_Scams_Blaming_the_Victims">Kim Sawyer</a> (that’s his real name, he is prepared to go public) clicked on an ad for “St George Capital” displaying the dragon logo of St. George Bank. He was called back by a man using the name of a real St. George employee, who persuaded him to transfer funds from accounts at the AMP, Citibank and Macquarie to accounts he was told would be in his and his wife’s name at Westpac, ANZ, the Commonwealth and Bendigo Banks. They lost <a href="https://www.afr.com/wealth/personal-finance/i-lost-2-5m-of-my-super-to-scammers-20240423-p5flzp">$2.5 million</a>. Sawyer says none of the banks – those that sent the funds or those that received them – would help him. Some cited “<a href="https://www.choice.com.au/money/financial-planning-and-investing/stock-market-investing/articles/st-george-capital-investment-scam">privacy</a>” reasons. The Consumer Action Law Centre says the banks that transfer the scammed funds routinely tell their customers “it’s nothing to do with us, you transferred the money, we can’t help you”. The banks receiving the funds routinely say “you’re not our customer, we can’t help you”. That’s here. Not in the UK. <h2>UK bank customers get a better deal</h2> In Australia in 2022, only <a href="https://download.asic.gov.au/media/mbhoz0pc/rep761-published-20-april-2023.pdf">13%</a> of attempted scam payments were stopped by banks before they took place. Once scammed, only 2% to 5% of losses (depending on the bank) were reimbursed or compensated. In <a href="https://www.psr.org.uk/information-for-consumers/app-fraud-performance-data/">the UK</a>, the top four banks pay out 49% to 73%. And they are about to pay out much more. From October 2024, reimbursement will be compulsory. Where authorised fast payments are made “because of deception by fraudsters”, the banks will have to reimburse <a href="https://www.thomsonreuters.com/en-us/posts/investigation-fraud-and-risk/app-fraud-uk">the lot</a>. Normally the bills will be split <a href="https://www.psr.org.uk/news-and-updates/latest-news/news/psr-confirms-new-requirements-for-app-fraud-reimbursement/">50:50</a> between the bank transferring the funds and the bank receiving them. Unless there’s a need for further investigations, the payments must be made within five days. The <a href="https://www.psr.org.uk/media/as3a0xan/sr1-consumer-standard-of-caution-guidance-dec-2023.pdf">only exceptions</a> are where the consumer seeking reimbursement has acted fraudulently or with gross negligence. The idea behind the change – pushed through by the Conservative government now led by UK Prime Minister Rishi Sunak – is that if scams are the banks’ problem, if they are costing them millions at a time, they’ll stop them. <a href="https://www.thepost.co.nz/business/350197309/banks-given-fraud-ultimatum">New Zealand</a> is looking at doing the same thing, <a href="https://www.biocatch.com/blog/mas-shared-responsibility-fraud-losses">as is Singapore</a>. But here, the treasury’s discussion paper on its mandatory codes mentions reimbursement <a href="https://treasury.gov.au/sites/default/files/2023-11/c2023-464732-cp.pdf">only once</a>. That’s when it talks about what’s happening in the UK. Neither treasury nor the relevant federal minister is proposing it here. <h2>Australia’s approach is softer</h2> Assistant Treasurer Stephen Jones is in charge of Australia’s rules. Asked why he wasn’t pushing for compulsory reimbursement here, Jones said on Monday <a href="https://ministers.treasury.gov.au/ministers/stephen-jones-2022/transcripts/interview-mark-gibson-abc-perth">prevention was better</a>. <blockquote> I think a simplistic approach of just saying, ‘Oh, well, if any loss, if anyone incurs a loss, then the bank always pay’, won’t work. It’ll just make Australia a honeypot for these international crime gangs, because they’ll say, well, ‘Let’s, you know, focus all of our activity on Australia because it’s a victimless crime if banks always pay’. </blockquote> Telling banks to pay would certainly focus the minds of the banks, in the way they are about to be focused in the UK. The <a href="https://www.ausbanking.org.au/submissions/">Australian Banking Association</a> hasn’t published its submission to the treasury review, but the <a href="https://consumeraction.org.au/scams-mandatory-industry-codes-consultation-paper/">Consumer Action Law Centre</a> has. It says if banks had to reimburse money lost, they’d have more of a reason to keep it safe. In the UK, they are about to find out. If Jones is right, it might be about to become a honeypot for scammers. If he is wrong, his government will leave Australia even further behind when it comes to scams – leaving us thousands more dollars behind per day.<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/228867/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/peter-martin-682709">Peter Martin</a>, Visiting Fellow, <a href="https://theconversation.com/institutions/crawford-school-of-public-policy-australian-national-university-3292">Crawford School of Public Policy, Australian National University</a> Image credits: Getty Images This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/australians-lose-5-200-a-minute-to-scammers-theres-a-simple-thing-the-government-could-do-to-reduce-this-why-wont-they-228867">original article</a>. </div>

Money & Banking

Our housing system is broken and the poorest Australians are being hardest hit

<div class="theconversation-article-body"> <a href="https://theconversation.com/profiles/rachel-ong-viforj-113482">Rachel Ong ViforJ</a>, <a href="https://theconversation.com/institutions/curtin-university-873">Curtin University</a> Just when we think the price of rentals could not get any worse, this week’s <a href="https://www.anglicare.asn.au/publications/2023-rental-affordability-snapshot/">Rental Affordability Snapshot</a> by Anglicare has revealed low-income Australians are facing a housing crisis like never before. In fact, if you rely on the <a href="https://www.servicesaustralia.gov.au/youth-allowance">Youth Allowance</a>, there is not a single rental property across Australia you can afford this week. <h2>How did rental affordability get this bad?</h2> Several post-COVID factors have been blamed, including our preference for <a href="https://www.rba.gov.au/publications/bulletin/2023/jun/new-insights-into-the-rental-market.html">more space, the return of international migrants</a>, and <a href="https://www.corelogic.com.au/news-research/news/2023/could-the-peak-in-interest-rates-signal-an-end-to-rising-rents">rising interest rates</a>. However, the rental affordability crisis pre-dates COVID. Affordability has been steadily declining for decades, as successive governments have failed to make shelter more affordable for low-to-moderate income Australians. <h2>The market is getting squeezed at both ends</h2> At the lower end of the rental sector, the growth in the supply of social housing persistently lags behind demand, trending at under <a href="https://povertyandinequality.acoss.org.au/data/annual-growth-rates-social-housing-stock-and-population-2011-2020/">one-third</a> the rate of population growth. <hr /> <iframe id="OA0cS" class="tc-infographic-datawrapper" style="border: none;" src="https://datawrapper.dwcdn.net/OA0cS/" width="100%" height="400px" frameborder="0"></iframe> <hr /> This has forced growing numbers of low-income Australians to seek shelter in the private rental sector, where they face intense competition from higher-income renters. At the upper end, more and more aspiring home buyers are getting <a href="https://www.tandfonline.com/doi/full/10.1080/03085147.2021.2003086">locked out</a> of home ownership. A recent <a href="https://www.ahuri.edu.au/sites/default/files/documents/2024-02/AHURI-Final-Report-416-Affordable-private-rental-supply-and-demand-short-term-disruption.pdf">study</a> found more households with higher incomes are now renting. Households earning <a href="https://www.ahuri.edu.au/sites/default/files/documents/2024-02/AHURI-Final-Report-416-Affordable-private-rental-supply-and-demand-short-term-disruption.pdf">$140,000</a> a year or more (in 2021 dollars) accounted for just 8% of private renters in 1996. By 2021, this tripled to 24%. No doubt, this crowds out lower-income households who are now facing a shortage of affordable homes to rent. <h2>Why current policies are not working</h2> Worsening affordability in the private rental sector highlights a housing system that is broken. Current policies just aren’t working. While current policies focus on supply, more work is needed including fixing <a href="https://theconversation.com/governments-are-pouring-money-into-housing-but-materials-land-and-labour-are-still-in-short-supply-205471">labour shortages</a> and providing greater <a href="https://theconversation.com/people-want-and-need-more-housing-choice-its-about-time-governments-stood-up-to-deliver-it-122390">stock diversity</a>. The planning system plays a critical role and <a href="https://theconversation.com/confusing-and-not-delivering-enough-developers-and-councils-want-new-affordable-housing-rules-139762">zoning rules</a> can be reformed to support the supply of more affordable options. However, the housing affordability challenge is not solely a supply problem. There is also a need to respond to the <a href="https://theconversation.com/home-prices-are-climbing-alright-but-not-for-the-reason-you-might-think-158776">super-charged demand</a> in the property market. An overheated market will undoubtedly place intense pressure on the rental sector because aspiring first home buyers are forced to rent for longer, as house prices soar at a rate unmatched by their wages. Yet, governments continue to resist calls for winding back the <a href="https://www.abc.net.au/news/2024-02-15/ken-henry-australias-tax-system-in-worse-position-after-15-years/103465044">generous tax concessions</a> enjoyed by multi-property owners. The main help available to low-income private renters - the Commonwealth Rent Assistance scheme - is <a href="https://theconversation.com/1-billion-per-year-or-less-could-halve-rental-housing-stress-146397">poorly targeted</a> with nearly one in five low-income renters who are in rental stress deemed ineligible, while another one in four receive it despite not being in rental stress. <h2>Can affordable housing occur naturally?</h2> Some commentators support the theory of <a href="https://www.ahuri.edu.au/sites/default/files/documents/2022-09/Executive-Summary-FR387-Filtering-as-a-source-of-low-income-housing-in-Australia-conceptualisation-and-testing.pdf">filtering</a> - a market-based process by which the supply of new dwellings in more expensive segments creates additional supply of dwellings for low-income households as high-income earners vacate their former dwellings. Proponents of filtering argue building more housing anywhere - even in wealthier ends of the property market - will eventually improve affordability across the board because lower priced housing will trickle down to the poorest households. However, the persistent affordability crisis low-income households face and the rise in homelessness are crucial signs filtering <a href="https://cloud.3dissue.com/122325/122578/143598/WhyNewSupplyisnotExpandingHousingOptionsfortheHomeless/html5/index.html?page=1&noflash">does not work well</a> and <a href="https://www.ahuri.edu.au/sites/default/files/documents/2022-09/AHURI-Final-Report-387-Filtering-as-a-source-of-low-income-housing-in-Australia-conceptualisation-and-testing.pdf">cannot be relied upon</a> to produce lower cost housing. <h2>Location, location, location</h2> Location does matter, if we expect building new housing to work for low-income individuals. What is needed is a steady increase of affordable, quality housing in areas offering low-income renters the same access to jobs and amenities as higher-income households. The <a href="https://treasury.gov.au/housing-policy/accord#:%7E:text=The%20Accord%20includes%20an%20initial,5%20years%20from%20mid%E2%80%912024.">National Housing Accord</a> aims to deliver 1.2 million new dwellings over five years from mid-2024. But it must ensure these are “well-located” for people who need affordable housing, as suggested in the accord. Recent <a href="https://www.tandfonline.com/doi/full/10.1080/02673037.2023.229051">modelling</a> shows unaffordable housing and poor neighbourhoods both negatively affect mental health, reinforcing the need to provide both affordable and well-located housing. <h2>The upcoming budget</h2> While the <a href="https://www.dss.gov.au/sites/default/files/documents/05_2023/payments-cra_budget_fact_sheet_fa_0.pdf">15% increase</a> in the maximum rent assistance rate was welcomed in the last budget, the program is long overdue for a major restructure to target those in rental stress. Also, tax concessions on second properties should be wound back to reduce competition for those struggling to buy their first home. This would eventually help ease affordability pressures on low-income renters as more higher-income renters <a href="https://onlinelibrary.wiley.com/doi/abs/10.1111/1467-8454.12335">shift into homeownership</a>. The potential negative impacts on rental supply can be mitigated by careful design of tax and other changes that guard against market destabilisation concerns. Overall, housing affordability solutions have to be multi-faceted. The housing system is badly broken and meaningful repair cannot be achieved unless policymakers are willing to confront both supply and demand challenges.<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/228511/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/rachel-ong-viforj-113482">Rachel Ong ViforJ</a>, ARC Future Fellow & Professor of Economics, <a href="https://theconversation.com/institutions/curtin-university-873">Curtin University</a> Image credits: Getty Images This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/our-housing-system-is-broken-and-the-poorest-australians-are-being-hardest-hit-228511">original article</a>. </div>

Money & Banking

Why don’t Australians talk about their salaries? Pay transparency and fairness go hand-in-hand

<div class="theconversation-article-body"> <a href="https://theconversation.com/profiles/carol-t-kulik-150471">Carol T Kulik</a>, <a href="https://theconversation.com/institutions/university-of-south-australia-1180">University of South Australia</a> In Australia, it’s not the done thing to know – let alone ask – what our colleagues are paid. Yet, it’s easy to see how pay transparency can make pay systems fairer and more effective. With more information on how much certain tasks and roles are valued, employees can better understand and interpret pay differences, and advocate for themselves. When pay is weakly aligned with employee contributions, pay transparency can be embarrassing for firms. As the government continues to <a href="https://www.smh.com.au/business/workplace/think-your-male-colleagues-earn-more-than-you-soon-you-ll-know-for-sure-20240104-p5ev7i.html">legislate for pay transparency</a>, wise employers should move to identify – and correct – both real and perceived inequities. <h2>The salary taboo</h2> At one extreme, imagine that you work for California-based tech company Buffer, which develops social media tools. Buffer lists the salary of every company employee, in descending order, on its <a href="https://buffer.com/salaries">website</a>. Salaries are non-negotiable and all Buffer employees receive a standard pay raise each year. Prospective job applicants can use Buffer’s online <a href="https://buffer.com/salary-calculator/senior-data-engineer/intermediate">salary calculator</a> to estimate their pay. Does Buffer’s pay system make you cheer – “yay, no uncomfortable salary negotiations!”, or squirm – “what, my salary is on the website?” Most probably, both. There is a persistent social norm researchers call the <a href="https://www.sciencedirect.com/science/article/pii/S0047272723000725">salary taboo</a>. We want to know, but we don’t like to ask, and we definitely don’t want anyone to know that we’re asking. In Norway, an app that enabled users to <a href="https://www.aeaweb.org/articles?id=10.1257/aer.20160256">access neighbors’ tax-reported income</a> was enormously popular – but only while the user could remain anonymous. <h2>The problem with not knowing</h2> Historically, companies have given employees only minimal information about their pay systems, and some have even prohibited them from sharing their own pay information. Such non-transparency creates two big problems. First, managers place <a href="https://sloanreview.mit.edu/article/achieving-meritocracy-in-the-workplace/">too much trust</a> in organisational systems. The more managers become convinced that pay decisions accurately reflect employee contributions, the less diligent they become about monitoring their own personal biases. Without accountability, it’s easy for an organisation’s pay system to drift into inequity. Second, in the absence of comparative information, employees often suspect they are being underpaid – even if they aren’t. In a <a href="https://www.payscale.com/research-and-insights/fair-pay-impact/">survey</a> of over 380,000 employees by data firm Payscale, 57% of employees paid at the market rate and 42% of people paid above the market rate all believed they were being underpaid. However, unfounded it might be, a nagging sense of inequity can drive people out the door. Payscale estimates that people who think they are underpaid are 50% more likely than other employees to seek a new job in the next six months. <h2>Pay transparency is trending</h2> Broadly speaking, pay transparency policies see companies report their pay levels or ranges, explain their pay-setting processes, or encourage their employees to share pay information. Some companies voluntarily share pay information in response to workforce demand, but there’s also a trend toward mandating pay transparency. In Australia, pay secrecy terms are <a href="https://theconversation.com/pay-secrecy-clauses-are-now-banned-in-australia-heres-how-that-could-benefit-you-195814">banned</a> from employment contracts and the Workplace Gender Equality Agency is <a href="https://www.wgea.gov.au/about/our-legislation/publishing-employer-gender-pay-gaps">publishing employers’ gender pay gaps</a>. The European Union’s <a href="https://ec.europa.eu/commission/presscorner/detail/es/ip_22_7739">Pay Transparency Directive</a> already publishes gender pay gaps and requires employers to provide comparative pay data to employees upon request. Several US states and cities now require employers to <a href="https://www.govdocs.com/pay-transparency-laws/">include salary ranges</a> in their recruitment materials. <h2>Pay transparency usually has positive effects</h2> In equitable pay systems, pay differences align with the differential values employees bring to the business. When pay systems are transparent, it’s easy for employees to recognise when they – and their coworkers – are being appropriately rewarded for their contributions. Evidence is building that such transparency is often a good thing. For one, it can increase employee <a href="https://journals.sagepub.com/doi/10.1177/002224377801500204">performance and job satisfaction</a>. People also generally <a href="https://www.journals.uchicago.edu/doi/10.1086/717891">underestimate their bosses’ salaries</a>, so pay transparency can inspire employees to aspire to higher-paid senior positions. And pay transparency identifies staff with unique expertise, so <a href="https://psycnet.apa.org/record/2016-01521-001">employees seek help</a> from the right coworkers. Pay transparency has also been shown to help narrow gender pay gaps. As pay transparency rules spread across public academic institutions in the US, the pay gap between male and female academics <a href="https://www.nature.com/articles/s41562-022-01288-9">dramatically narrowed</a> (in some states, it was even eliminated). In Denmark, where firms are now required to provide pay statistics that compare men and women, the national gender pay gap has <a href="https://onlinelibrary.wiley.com/doi/abs/10.1111/jofi.13136">declined by 13%</a> relative to the pre-legislation average. <h2>But it can still be risky</h2> Every pay system has pockets of unfairness, where managers have made <a href="https://psycnet.apa.org/record/2001-01537-002">special arrangements</a> to attract or retain talent. Pay transparency exposes these exceptions, so they can be immediately explained or corrected. But if there are too many such pockets, managers need to brace for a productivity downturn. When pay transparency reveals systematic inequities – for example, disparities based on gender – overall organisational <a href="https://papers.ssrn.com/sol3/papers.cfm?abstract_id=4341804">productivity declines</a>. Over the long run, pay transparency leads to <a href="https://onlinelibrary.wiley.com/doi/abs/10.1111/jofi.13136">flatter and narrower</a> pay distributions, but distributions can also be too flat and too narrow. Managers making pay decisions are aware that their decisions will be directly scrutinised and may <a href="https://journals.aom.org/doi/10.5465/amj.2020.1831">become reluctant</a> to assign high wages even for high performance. If pay <a href="https://www.nature.com/articles/s41562-022-01288-9">loses its motivating potential</a>, employees can become disheartened, especially <a href="https://onlinelibrary.wiley.com/doi/abs/10.1111/peps.12054">star performers</a>. <h2>Proceed with caution</h2> As stakeholders on this issue demand more transparency, employers would be wise to stay ahead of legislative moves. Independently making the first move is a show of good faith and can unfold in stages. A good first step is to reveal the pay ranges associated with groups of related roles, giving employers time to conduct internal audits, communicate with employees and systematically correct inequities as they surface. In contrast, having to reveal pay data because of a government mandate can publicly expose patterns of inequity and cause permanent damage to a company’s reputation.<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/224067/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/carol-t-kulik-150471">Carol T Kulik</a>, Research Professor, <a href="https://theconversation.com/institutions/university-of-south-australia-1180">University of South Australia</a> Image credits: Getty Images This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/why-dont-australians-talk-about-their-salaries-pay-transparency-and-fairness-go-hand-in-hand-224067">original article</a>. </div>

Money & Banking

Australians are having fewer babies and our local-born population is about to shrink: here’s why it’s not that scary

<div class="theconversation-article-body"><a href="https://theconversation.com/profiles/amanda-davies-201009">Amanda Davies</a>, <a href="https://theconversation.com/institutions/the-university-of-western-australia-1067">The University of Western Australia</a> Australians are having fewer babies, so many fewer that without international migration our population would be on track to decline in just over a decade. In most circumstances, the number of babies per woman that a population needs to sustain itself – the so-called <a href="https://www.who.int/data/gho/indicator-metadata-registry/imr-details/123">total fertility rate</a> – is 2.1. Australia’s total fertility rate dipped below 2.1 in the late 1970s, moved back up towards it in the late 2000s (assisted in part by an improving economy, better access to childcare and the introduction of the <a href="https://theconversation.com/what-the-baby-bonus-boost-looks-like-across-ten-years-81563">Commonwealth Baby Bonus</a>), and then plunged again, hitting a low of <a href="https://www.abs.gov.au/statistics/people/population/population-projections-australia/2022-base-2071#assumptions">1.59</a> during the first year of COVID. <hr /> <iframe id="CHdqj" class="tc-infographic-datawrapper" style="border: none;" src="https://datawrapper.dwcdn.net/CHdqj/3/" width="100%" height="400px" frameborder="0"></iframe> <hr /> The latest population projections from the Australian Bureau of Statistics assume the rate remains near its present 1.6% for <a href="https://www.abs.gov.au/statistics/people/population/population-projections-australia/2022-base-2071#assumptions">the next 50 years</a>. An alternative, lower, set of assumptions has the rate falling to 1.45 over the next five years and staying there. A higher set of assumptions has it rebounding to 1.75 and staying there. A comprehensive study of global fertility trends published in March in the medical journal <a href="https://www.thelancet.com/journals/lancet/article/PIIS0140-6736(24)00550-6/fulltext#%20">The Lancet</a> has Australia’s central case at 1.45, followed by a fall to 1.33 by the end of the century. Significantly, none of these assumptions envisages a return to replacement rate. The bureau’s central projection has Australia’s population turning down from 2037 in the absence of a boost from migration. <hr /> <iframe id="oi55c" class="tc-infographic-datawrapper" style="border: none;" src="https://datawrapper.dwcdn.net/oi55c/3/" width="100%" height="400px" frameborder="0"></iframe> <hr /> It’s easy to make guesses about reasons. Reliable contraception has been widely available for 50 years. Rents, mortgages and the other costs facing Australians of child-bearing age appear to be climbing. It’s still <a href="https://www.abc.net.au/news/2023-12-17/career-or-baby-michelle-battersby-pregnancy-gender-/103186296">difficult to have a career</a> if you have a child, and data show women still carry the substantive burden of <a href="https://theconversation.com/mind-the-gap-gender-differences-in-time-use-narrowing-but-slowly-191678">unpaid work around the home</a>. The US fertility rate has fallen <a href="https://ourworldindata.org/grapher/children-per-woman-un?tab=chart&time=1950..latest&country=OWID_WRL%7EUSA%7EAUS">much in line with Australia’s</a>. Reporting on <a href="https://theconversation.com/us-birth-rates-are-at-record-lows-even-though-the-number-of-kids-most-americans-say-they-want-has-held-steady-197270">research</a> into the reasons, Forbes Magazine succinctly said a broken economy had “<a href="https://fortune.com/2023/01/12/millennials-broken-economy-delay-children-birthrate/">screwed over</a>” Americans considering having children. More diplomatically, it said Americans saw parenthood as “<a href="https://fortune.com/2023/01/12/millennials-broken-economy-delay-children-birthrate/">harder to manage</a>” than they might have in the past. <h2>Half the world is unable to replace itself</h2> But this trend is widespread. The <a href="https://www.thelancet.com/journals/lancet/article/PIIS0140-6736(24)00550-6/fulltext#%20">Lancet study</a> finds more than half of the world’s countries have a fertility rate below replacement level. <a href="https://theconversation.com/chinas-population-shrinks-again-and-could-more-than-halve-heres-what-that-means-220667">China</a>, which is important for the global fertility rate because it makes up such a large share of the world’s population, had a fertility rate as high as 7.5 in the early 1960s. It fell to 2.5 before the start of China’s <a href="https://www.scmp.com/economy/china-economy/article/3135510/chinas-one-child-policy-what-was-it-and-what-impact-did-it">one-child</a> policy in the early 1990s, and then slid further from 1.8 to 1 after the policy was abandoned in 2016. <hr /> <iframe id="idC4X" class="tc-infographic-datawrapper" style="border: none;" src="https://datawrapper.dwcdn.net/idC4X/3/" width="100%" height="400px" frameborder="0"></iframe> <hr /> South Korea’s fertility rate has dived further, to the world’s lowest: <a href="https://time.com/6488894/south-korea-low-fertility-rate-trend-decline/">0.72</a>. The fertility rate in India, which is now <a href="https://www.un.org/development/desa/dpad/publication/un-desa-policy-brief-no-153-india-overtakes-china-as-the-worlds-most-populous-country/">more populous than China</a>, has also fallen <a href="https://data.worldbank.org/indicator/SP.DYN.TFRT.IN?page=&locations=IN">below replacement level</a>. Most of the 94 nations that continue to have above-replacement fertility rates are in North Africa, the Middle East and Sub-Saharan Africa. Some, including Samoa and Papua New Guinea, are in the Pacific. Most of Asia, Europe and Oceania is already below replacement rate. <h2>A changing world order</h2> The largest high-fertility African nation, <a href="https://www.weforum.org/agenda/2020/09/the-world-population-in-2100-by-country/">Nigeria</a>, is expected to overtake China to become the world’s second-most-populous nation by the end of the century. But even Nigeria’s fertility rate will sink. The Lancet projections have it sliding from 4.7 to <a href="https://www.thelancet.com/journals/lancet/article/PIIS0140-6736(24)00550-6/fulltext#%20">1.87</a> by the end of the century. The differences mean the world’s population growth will increasingly take place in countries that are among the most vulnerable to environmental and economic hardship. Already economically disadvantaged, these nations will need to provide jobs, housing, healthcare and services for rapidly growing populations at a time when the rest of the world does not. On the other hand, those nations will be blessed with young people. They will be an increasingly valuable resource as other nations face the challenges of an ageing population and declining workforce. <h2>An older world, then a smaller world</h2> Global fertility <a href="https://www.thelancet.com/journals/lancet/article/PIIS0140-6736(24)00550-6/fulltext">halved</a> between 1950 and 2021, shrinking from 4.84 to 2.23. The latest projections have it sinking below the replacement rate to somewhere between 1.59 and 2.08 by 2050, and then to between <a href="https://www.thelancet.com/journals/lancet/article/PIIS0140-6736(24)00550-6/fulltext">1.25 and 1.96</a> by 2100. The world has already seen peak births and peak primary-school-aged children. In <a href="https://www.thelancet.com/journals/lancet/article/PIIS0140-6736(24)00550-6/fulltext">2016</a>, the world welcomed about 142 million live babies, and since then the number born each year has fallen. By 2021, it was about 129 million. The global school-age population aged 6 to 11 years peaked at around 820 million in <a href="https://www.un.org/development/desa/dpad/publication/un-desa-policy-brief-no-152-population-education-and-sustainable-development-interlinkages-and-select-policy-implications/">2023</a>. The United Nations expects the world’s population to peak at 10.6 billion in <a href="https://www.smh.com.au/national/the-planet-s-population-will-get-to-10-4-billion-then-drop-here-s-when-we-reach-peak-human-20231213-p5er8g.html">2086</a>, after which it will begin to fall. Another forecast, produced as part of the impressive <a href="https://www.healthdata.org/research-analysis/gbd">Global Burden of Disease</a> study, has the peak occurring two decades earlier in <a href="https://www.thelancet.com/journals/lancet/article/PIIS0140-6736(20)30677-2/fulltext">2064</a>, with the world’s population peaking at 9.73 billion. <h2>Fewer babies are a sign of success</h2> In many ways, a smaller world is to be welcomed. The concern common <a href="https://theconversation.com/a-long-fuse-the-population-bomb-is-still-ticking-50-years-after-its-publication-96090">in the 1960s and 1970s</a> that the world’s population was growing faster and faster and the world would soon be unable to feed itself has turned out to be misplaced. Aside from occasional blips (China’s birth rate in the <a href="https://www.jstor.org/stable/1973601">Year of the Dragon</a>) the fertility trend in just about every nation on Earth is downwards. The world’s population hasn’t been growing rapidly for long. Before 1700 it grew by only about <a href="https://ourworldindata.org/population-growth-over-time">0.4% per year</a>. By 2100 it will have stabilised and started to fall, limiting the period of unusually rapid growth to four centuries. In an important way, lower birth rates can be seen as a sign of success. The richer a society becomes and the more it is able to look after its seniors, the less important it becomes for each couple to have children to care for them in old age. This is a long-established theory with a name: the <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC4116081/">demographic transition</a>. For Australia, even with forecast immigration, lower fertility will mean changes. The government’s 2023 <a href="https://treasury.gov.au/publication/2023-intergenerational-report">Intergenerational Report</a> says that whereas there are now 3.7 Australians of traditional working age for each Australian aged 65 and over, by 2063 there will only be 2.6. It will mean those 2.6 people will have to work smarter, perhaps with greater assistance from artificial intelligence. Unless they decide to have more babies, which history suggests they won’t.<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/228273/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/amanda-davies-201009">Amanda Davies</a>, Professor and Head of School of Social Sciences, <a href="https://theconversation.com/institutions/the-university-of-western-australia-1067">The University of Western Australia</a> Image credits: Getty Images This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/australians-are-having-fewer-babies-and-our-local-born-population-is-about-to-shrink-heres-why-its-not-that-scary-228273">original article</a>. </div>

Family & Pets

Tourist slapped with $225k bill after simple mistake

An American tourist has revealed the moment he was charged with a $US143k (AU$225k) bill after a short holiday to Switzerland. Rene Remund and his wife Linda went on the trip last September. Prior to their travels, Remund made sure to inform his mobile phone provider, T-Mobile, that he was going overseas and as a customer of 30 years, he was told he was “covered”. So, with no worries at all, the tourist shared photos of his moments in the Swiss countryside with friends and family via photo messages. Imagine his surprise when he came home to a six-figure bill, after he racked up thousands and thousands of dollars in daily roaming costs. “I get this T-Mobile bill and it doesn’t bother me very much because I was reading $143,” he explained, adding it wasn’t until he went to pay the bill that he realised a few more zeros were involved. “I look at the bill and I say, ‘excuse me’,” he said. “$143,000 … are you guys crazy?” According to the bill, Remund had racked up 9.5 gigabytes of data while in Europe, which cost him thousands of dollars each day. While it wasn't a huge amount of data, not being covered by roaming fees will cause a user to run up a huge bill very quickly. “I called [T-Mobile] and the girl put me on hold for a while,” he explained. “She said let me check this out and I’ll get back to you. She gets back and says, yeah this is a good bill. “I said, ‘what do you mean it’s a good bill?’ And she says ‘well, this is what you owe’. “I said ‘you’re kidding me … you’re crazy’.” After confirming that his bill was in fact AU$225,000, Remund hired a lawyer to argue the fact that he was covered for international roaming. His lawyer issued a letter to the president of T-Mobile, and they only received a reply a few days ago. The letter from T-Mobile allegedly said that the service provider was “sorry” for the charges, and that Remund would receive a “credit” to eliminate the entire bill. In an email shared to local media Scripps News Tampa, the mobile phone provider said that customers should always “check the travel features of their plan, such as international data roaming, before departing”. “If a customer is on an older plan that doesn’t include international roaming for data and calling, they’ll need to make sure they’re using aeroplane mode and wi-fi when using data to be certain the device doesn’t connect to an international network.” <em style="box-sizing: inherit; margin: 0px; padding: 0px; border: 0px; font-size: 16px; vertical-align: baseline; color: #323338; font-family: Figtree, Roboto, 'Noto Sans Hebrew', 'Noto Kufi Arabic', 'Noto Sans JP', sans-serif; background-color: #ffffff; outline: none !important;">Images: ABC Action News

Travel Trouble

The most boring tourist attractions in the world revealed

Nobody wants waste their time and energy visiting a boring attraction while travelling, so a new study has analysed 66.7 million Google reviews and compiled a list of the top 100 most boring attractions across the globe so you can enjoy a holiday free from the mundane. The study conducted by Solitaired, was based on 3,290 popular tourist attractions worldwide spanning 384 cities across 71 different countries. A boredom score was calculated for each site, based on 11 keywords indicative of tiresome, lifeless and boring impressions. At the top of the list was Branson Scenic Railway in Missouri, with a boredom score of five out of five. The heritage railroad departs from an old depot in downtown Branson and travels through part of the Ozark Mountains on a 40-mile round trip. While some praised the beautiful foliage, others were unimpressed by the views "limited to trees on both sides of the train." Illuminarium Atlanta, in Georgia U.S. came in second place, with a boredom score of 4.5, with one reviewer saying that it was "cool for about the first 15 minutes" and "after that… just boring." In third place is Tennessee's Jurassic Jungle Boat Ride, an indoor attraction that takes visitors through a river passing artificial cave sets, waterfalls and mechanical dinosaurs, which scored 3.7 on the boredom scale. Australia's least interesting attraction, which came in 16th on the list and scored 2.5 on the boredom scale, is the WA Museum Boola Bardip in Perth, which tells stories of WA through interactive exhibits. This is followed by the Legoland Discovery Centre in Melbourne, which ranked 24th on the list and had a score of 2.3 The Museum of Sydney came in 32nd place, with a score of 2.2, while the Museum of Transport and Technology in Auckland, New Zealand came in 54th place with a score of 2.1. Check out the full list <a href="https://www.dailymail.co.uk/travel/article-13310853/Most-boring-attractions-world-Shrek-Adventure-London.html" target="_blank" rel="noopener">here</a>. Image: Getty

International Travel

Australian Idol host opens up on painful health battle

Australian Idol host and singer Ricki-Lee Coulter has revealed that she has been battling endometriosis for over a decade. The 38-year-old took to Instagram to share the process that led her diagnosis, straight from the hospital bed, following her laparoscopy and excision surgery. "For over a decade I’ve been dealing with chronic pain that has progressively gotten worse,” she began the post. “Anyone with endometriosis knows it takes a long time to get to the point where you have surgery and can get any kind of diagnosis — and that you have to advocate for yourself and keep pushing for answers. “Over the years I have seen so many doctors and specialists, and have been down so many different paths to try to figure out what was going on — and for so long I thought the pain was just something I had to deal with. “But the past couple of years, it has become almost unbearable and is something I’ve been dealing with every single day. “I met with a new GP at the start of the year, who referred me to a new specialist, and we went through all the measures that have been taken to try to get to the bottom of this pain — and the only option left was surgery. “So this week I had a laparoscopy and excision surgery — and they removed all the endometriosis they found, and I can only hope that is the end of the pain. “I’m now at home recovering and feeling good. Rich is taking very good care of me xxx," she ended the post. She also shared a few photos after her surgery, and of her recovering at home. One in nine women suffer from endometriosis, a condition where the tissue similar to the lining of the uterus grows outside the womb, which sometimes moves to other areas of the body. Friends and followers shared their support in the comments, with reality TV star and fellow endo-warrior Angie Kent saying: “Sending you lots of love! You’re not alone in this — it’s a marathon not a sprint, unfortunately. “But there’s an amazing chronic invisible illness sista-hood out here! I hope you have a good support system with the recovery including an amazing women’s health practitioner.” “Sending lots of love,” Sunrise host Natalie Barr added. “Sending you so much love. Been where you are now and it gets so much better honey,” wrote Jackie O. Images: Instagram

Caring

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

<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> 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>. 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. 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. Critically, under current definitions, streaming services such as Netflix and Amazon fall outside a scheme restricting subscription broadcasters like Foxtel. 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. 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. <h2>The importance of prominence</h2> “Prominence” refers to the discoverability of individual media applications, such as Netflix or 9Now, on the user homepage of smart televisions. 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. 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. 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. <h2>Anti-siphoning</h2> 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. 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. 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. <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. 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. 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. <h2>What are the implications for sport and other viewers?</h2> 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>. 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. The committee also broadly accepted the draft bill’s anti-siphoning provisions, which will affect what and where sport is viewed by fans. 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. 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. The most controversial recommendation related to the scope of anti-siphoning laws, affecting how Australian viewers can access sport in the medium term. 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. 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. 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. 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. 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. <h2>What happens next?</h2> The amended bill must pass through Parliament to become law, and its final shape and the fate of any amendments are as yet unknown. 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. To safeguard their viewing interests, Australian sport fans will need to watch these formidably technical debates as closely as their favourite sport contests.<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" /> <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> Image credits: Getty Images This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/how-much-sport-will-you-be-able-to-watch-for-free-under-proposed-new-australian-broadcast-rules-226499">original article</a>.

Selfies and social media: how tourists indulge their influencer fantasies

<a href="https://theconversation.com/profiles/brendan-canavan-228682">Brendan Canavan</a>, <a href="https://theconversation.com/institutions/university-of-nottingham-1192">University of Nottingham</a> A town in the US state of Vermont <a href="https://www.nbcnews.com/news/vermont-town-banning-influencers-tourists-visiting-fall-foliage-rcna117413">closed its roads to tourists</a> in September 2023 after a social media tag sparked a swarm of visitors that overwhelmed the rural destination. Videos on TikTok were seen by thousands and the hashtag #sleepyhollowfarm went viral, prompting a tourist rush to the pretty New England town of Pomfret, where visitors tried to take photos of themselves against the countryside backdrop. The town, famous for its fall foliage, criticised this as problematic and “influencer tourism”, part of <a href="https://www.sciencedirect.com/science/article/pii/S0160738320300426">a travel trend</a> where a social media phenomenon can spark an overwhelming and unexpected rise in visitor numbers. <a href="https://journals.sagepub.com/doi/pdf/10.1177/0002764292036002005?casa_token=gQo4-8jeYdIAAAAA:Oq3Nf5gTtAFK7N00D1NgPO7_zl9ONlOEnzFZnojX6fX1nKXQWJZ4ERn52MlV3abn4fDN4_C4hJjq">Traditionally</a>, we think of tourists as travelling to gain new experiences. They look at sites, take photographs and collect souvenirs. However, this relationship between the tourist and touring is changing. Driven by <a href="https://www.dw.com/en/how-instagram-changed-the-tourism-industry/a-65348690">24-hour access to social media</a>, some tourists now travel primarily to have an experience that <a href="https://www.americanexpress.com/en-us/travel/discover/get-inspired/Global-Travel-Trends">looks good online</a>. Around 75% of people in a recent American Express survey said they had been inspired to visit somewhere by social media. Some tourists may be prompted to choose a destination by seeing a <a href="https://www.elle.com/culture/travel-food/a27561982/best-instagram-spots/">backdrop that is popular on social media or on television</a>, in order to create a high-status photo. The expansion of social media and ubiquity of smartphone cameras has had a <a href="https://www.mdpi.com/2071-1050/13/13/7312">major impact on tourists’ behaviour</a>. This has also led to what’s been called a <a href="https://www.traveldailynews.com/column/articles/who-are-the-selfie-gaze-tourists/">selfie “tourist gaze”</a>, creating photos where the traveller is at the forefront of images rather than the destination. Indeed, according to my research, increasingly, some tourists go somewhere <a href="https://www.sciencedirect.com/science/article/pii/S0160738320300426">to be spotted</a> – to be observed by others both online and in person at these destinations. <h2>Looking for drama</h2> Studies have highlighted how tourists <a href="https://www.sciencedirect.com/science/article/pii/S0261517715300388?casa_token=W51WkDKJSK8AAAAA:DG99dEWkyYKWIe6hNcLXR4KRApXV24QksHIzrRNcjVY3FngukDgIv9HLHG4o3NV4rqNJtdet">head for</a> particularly dramatic or luxurious destinations because of their social media links. Dubai, for example, with its bling culture and high-end shopping, has become a <a href="https://www.theguardian.com/world/2021/apr/17/in-this-world-social-media-is-everything-how-dubai-became-the-planets-influencer-capital">playground for influencers</a> looking for a luxury backdrop to add to their celebrity-style image. Some tourists aim to photograph themselves in prestigious locations, rather than taking shots of their <a href="https://journals.sagepub.com/doi/pdf/10.1177/13567667221113079?casa_token=xbdUjWECQvMAAAAA:mc4rqleOqgjazW9DAYduW7LaPTu4KEw1DIfbPbWF0vl0efwNPC_GQ0U-HjltguwsIsCoO4ycXgyW7Q">travel surroundings</a>. Others choose to <a href="https://www.sciencedirect.com/science/article/pii/S0160738320300426">act like mini-celebrities</a> and perform for the camera, expecting and wanting to be looked at by those they encounter – or even narrating their participation in extreme events. One of these is the <a href="https://www.theadventurists.com/rickshaw-run/">Rickshaw Run</a>, a 2,000km race across India. This adventure tourism event encourages participants to dress up, act eccentrically and get noticed. Driving tuk-tuks around India, from Kerala to Darjeeling, vehicles are personalised with eye-catching designs. Many participants film themselves and <a href="https://www.youtube.com/watch?v=2p3wd0ii2oQ">upload the results</a> to social media, and the events tend to create a significant following. For instance, this YouTube video series created by Rickshaw Run participants drew 3.6m subscribers: <figure><iframe src="https://www.youtube.com/embed/2p3wd0ii2oQ?wmode=transparent&start=0" width="440" height="260" frameborder="0" allowfullscreen="allowfullscreen"></iframe><figcaption>Taking part in the Rickshaw Run.</figcaption></figure> However, some of these tourist “performances” can cause controversy. For instance, <a href="https://www.nzherald.co.nz/travel/mexico-tourist-beaten-with-stick-for-climbing-chichen-itza-pyramid/EL5KGLB4CNC5ZONNZCKAMX3LLE/">climbing over</a> fragile archaeological sites in search of social media content might damage them. <a href="https://www.unilad.com/news/russian-tourist-deported-nude-photo-bali-064402-20230330">Posing for laughs</a> in areas considered sacred can offend. The reducing of cultures to <a href="https://www.thetimes.co.uk/article/selfie-tourists-get-up-easter-islanders-noses-sgfxdtkj7">backdrops for social media content</a> can suggest a lack of interest in or respect for hosts by tourists. My research points to a growth in <a href="https://www.tandfonline.com/doi/pdf/10.1080/09669582.2016.1263309">narcissism in society</a>, and connects this with what tourists desire from travel and how they act when travelling. This may be reflected in increased sense of entitlement and exhibitionism by tourists who aim to take photos in more difficult to reach locations or off-limit areas, for instance. Selfie culture arguably promotes <a href="https://www.tandfonline.com/doi/pdf/10.1080/09528822.2015.1082339?casa_token=tbsXw1drBAEAAAAA:qfSfJBbHWi3x8MSVeoyHBIceP7W_8C55rVctylf-2zRBzx-aG_EeFwvTmHHsOdjQpMd8LVaUrjSo">self-involvement rather than social responsibility</a>. It is well established that tourists <a href="https://www.tandfonline.com/doi/pdf/10.1080/1368350050408668198?casa_token=K4p5aZCN8t4AAAAA:96p7f3qNu2WndpE-C-D0rs5mJaOlnJ5F6P4iXQlWQopseMGWuJ_5TiaFmRggxFsEjrMCoAr14Kn4">can be selfish</a>, putting their own comfort and entertainment ahead of concerns about local issues. This is especially true of the super-rich. Private jet users <a href="https://www.transportenvironment.org/discover/private-jets-can-the-super-rich-supercharge-zero-emission-aviation/">are responsible for</a> half of global aviation emissions. However, the desire to promote the individual and their values could be <a href="https://www.tandfonline.com/doi/pdf/10.1080/09669582.2016.1263309">harnessed to promote</a> more sustainable tourism. Those volunteering abroad might be motivated by the image enhancement opportunities of doing good, but they often offer something back to the social and natural environments of <a href="https://www.tandfonline.com/doi/pdf/10.1080/09669580903395030?casa_token=NvJorz8d1F4AAAAA:AXXTdW7ePimqFkWNg1W5w8umGCBwXIjus0WICRIoNZH_gsdr1hHomvMAQV21PYA2HkLwBGsO_Qus8g">their host destinations</a> in the process. There are signs that there’s another tourism trend, with travellers looking for deep and meaningful experiences, and ecotourism could help provide those. The act of travelling in a <a href="https://www.tandfonline.com/doi/abs/10.1080/09669582.2020.1825458">more environmentally friendly way</a> could also be seen as a way to show off, and still provide selfie material. The environmental pros and cons of tourist self-obsession might be <a href="https://www.tandfonline.com/doi/pdf/10.1080/09669582.2016.1263309">debatable</a>. However, self-fixation is arguably not good for tourists themselves. For example, the desire to “perform” on camera could affect people’s mental health, according to one <a href="https://www.tandfonline.com/doi/pdf/10.1080/10253866.2018.1467318?casa_token=wI7sETKEKJAAAAAA:ebds6fykbyHAGSXIk9iv6-tyziFSIvganp32S65hiX8KeWlaQDwhPxF_2tWEgkNqssqd-SCE-w_3Eg">study</a>. Research has shown that <a href="https://www.tandfonline.com/doi/full/10.1080/14616688.2012.762691?casa_token=Jb9SzAGXBD0AAAAA:L5Q-HhPs9jWtfm0Zq4nB0uFHrZ3W8N7o1Liq0KAIRqC4ivEhKyEexEZN-ACoz1qzm7CMqD96zXOm">unexpected encounters help tourists to gain self-insight</a>. In addition, getting out of your comfort zone can lead to <a href="https://www.sciencedirect.com/science/article/pii/S2213078020300074?casa_token=MkMbkdyr_cMAAAAA:LLu44kUbbsP5e-iW-kDdI7iSEo3WkLgH5IvKqb2txZA504q74J4OAhTuXIx8m90oDMSvuiq4Mg">rewarding personal growth</a>. <h2>A disconnect between self and place</h2> Taking yet more selfies could cut people off from their surroundings. In doing so, they could be <a href="https://www.sciencedirect.com/science/article/pii/S016073831730097X?casa_token=tOaqrhfVQ-wAAAAA:uxb7djQMWjifvjjgPMZzbq2IQqlgoaGHzWoJkkGbQYQqkbZoeuOqLD91zqwBuWs1SfY7dcK4">less present in the travel experience itself</a>. Indeed, the <a href="https://english.elpais.com/usa/2021-10-29/rise-of-selfie-deaths-leads-experts-to-talk-about-a-public-health-problem.html">growing number</a> of <a href="https://edition.cnn.com/2019/11/15/asia/french-man-selfie-death-intl-scli/index.html">selfie-related tourist deaths</a> might attest to a disconnect between self and place. A <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC6131996/#:%7E:text=selfie-related%20deaths.-,From%20October%202011%20to%20November%202017%2C%20there%20have%20been%20259,respectively%2C%20in%202016%20and%202017">2018 report</a> estimated 259 deaths to have occurred while taking selfies between 2011-2017. Other research suggests that individuals who are motivated by the desire to present a particular online image may be <a href="https://www.sciencedirect.com/science/article/pii/S2211973620301458?casa_token=-HkTUB7WC7cAAAAA:455BE0L2jP-CL1nD18__Ey3fj5GsLmYfKL_EB_P7IWa7lDddpJYIW3UIo5fUjg68e7Nvm7PUlTA#s0050">more likely to take risks</a> with their travel selfies, with potentially fatal consequences. Tourists have always been somewhat self-obsessed. The 18th-century <a href="https://www.sciencedirect.com/science/article/pii/0160738385900027">Grand Tour</a>, a leisurely trip around Europe, allowed the wealthy to <a href="https://www.historyhit.com/what-was-the-grand-tour/">indulge themselves</a> in <a href="https://www.salon.com/2002/05/31/sultry/">ways</a> that might not have been socially acceptable back home. And at the beginning of the 21st century, <a href="https://www.sciencedirect.com/science/article/pii/S0160738301000305?casa_token=C5eb2NJQvGsAAAAA:YrdY-xjJwBrUE9RjwyOJ3kRBS4-o7e5Jni5sluTCuZOrgnCULybO8EgJtQqsuSL7B5nZJwiH3Q#BIB37">academics worried about</a> self-involved backpacker communities in southeast Asia having little interest in mixing with local people. What is different about smartphones and social media is that these allow some tourists to present such self-indulgent, and sometimes insensitive, tourism traits immediately. Wifi and mobile data mean that these tourists can travel with one eye on finding the perfect selfie backdrop – filtering and sharing their travel as it happens, responding to likes and comments. For better or worse, living this influencer fantasy may have become an integral part of tourism for some time.<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/214681/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/brendan-canavan-228682">Brendan Canavan</a>, Senior Lecturer in Marketing, <a href="https://theconversation.com/institutions/university-of-nottingham-1192">University of Nottingham</a> Image credits: Getty Images This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/selfies-and-social-media-how-tourists-indulge-their-influencer-fantasies-214681">original article</a>.

Travel Trouble

Stay or go? Most older Australians want to retire where they are, but renters don’t always get a choice

<a href="https://theconversation.com/profiles/christopher-phelps-378137">Christopher Phelps</a>, <a href="https://theconversation.com/institutions/curtin-university-873">Curtin University</a>; <a href="https://theconversation.com/profiles/rachel-ong-viforj-113482">Rachel Ong ViforJ</a>, <a href="https://theconversation.com/institutions/curtin-university-873">Curtin University</a>, and <a href="https://theconversation.com/profiles/william-clark-1488932">William Clark</a>, <a href="https://theconversation.com/institutions/university-of-california-los-angeles-1301">University of California, Los Angeles</a> As Australia’s population gets older, more people are confronted with a choice: retire where they are or seek new horizons elsewhere. Choosing to grow old in your existing home or neighbourhood is known as “ageing in place”. It enables older people to stay connected to their community and maintain familiarity with their surroundings. For many, the decision to “age in place” will be tied to their connection to the family home. But for many, secure and affordable housing is increasingly <a href="https://theconversation.com/ageing-in-a-housing-crisis-growing-numbers-of-older-australians-are-facing-a-bleak-future-209237">beyond reach</a>. This choice may then be impeded by a lack of suitable accommodation in their current or desired neighbourhoods. Our recently published <a href="https://doi.org/10.1177/01640275231209683">study</a> asks what motivates older homeowners and renters to age in place or relocate, and what factors disrupt these preferences. It suggests older renters are often not given a fair choice. <h2>Most older Australians want to age in place</h2> Having the option to age in place enables older people to retain autonomy over their lifestyles and identity, promoting emotional wellbeing. Using 20 years of data from the government-funded Household, Income and Labour Dynamics in Australia (HILDA) survey, we tracked the preferences of Australians aged 55 and over. Encouragingly, most older Australians are already where they want to be. Two-thirds (67%) of respondents strongly preferred to stay in their current neighbourhood, and an additional one-fifth (19%) had a moderate preference to stay. Only 6% showed a moderate or strong desire to leave. Ageing in place is then the natural choice for a vast majority of older Australians. <iframe id="s3LTM" class="tc-infographic-datawrapper" style="border: none;" src="https://datawrapper.dwcdn.net/s3LTM/1/" width="100%" height="400px" frameborder="0"></iframe> Our study highlights several motivations for people to stay put as they retire. For homeowners, family ties matter. Owners with children residing nearby were around one and a half times more likely to have a higher preference to stay. Older owners might then have a reason to call on their substantial <a href="https://theconversation.com/the-housing-wealth-gap-between-older-and-younger-australians-has-widened-alarmingly-in-the-past-30-years-heres-why-197027">housing wealth</a> and keep their children nearby via the <a href="https://360info.org/how-to-help-the-young-buy-a-home/">“bank of mum and dad”</a>. For renters, how long they stay is important. Those renting their home for 10 years or more were 1.7 times more likely to have a higher preference to stay than short-term renters. <h2>Renters face the most disruption</h2> The survey enabled us to follow where older people lived a year after they provided their preferences. This helped us gauge how often they turned their desires into reality. The chart below indicates that private renters face greater obstacles to ageing in place. Around one in 10 private renters that desired to age in place were disrupted – they wanted to stay in their neighbourhood but didn’t. This suggests they moved out of their neighbourhood involuntarily. Only 2% of homeowners and social renters experienced the same disruption. However, for those in these tenures that did not desire to age in place, involuntary immobility was a greater concern. Only 15% of those that wanted to leave succeeded, leaving the vast majority “stuck in place”. <iframe id="IlliV" class="tc-infographic-datawrapper" style="border: none;" src="https://datawrapper.dwcdn.net/IlliV/1/" width="100%" height="400px" frameborder="0"></iframe> The private rental market is the least secure of tenures, and so private tenants are often exposed to involuntary moves. Australia’s private rental system is lightly regulated compared to many other countries, creating tenure insecurity concerns. On the other hand, social renters were particularly susceptible to involuntary immobility. Social housing is scarce in Australia and subject to <a href="https://theconversation.com/its-soul-destroying-how-people-on-a-housing-wait-list-of-175-000-describe-their-years-of-waiting-210705">lengthy waiting lists</a>. A neighbourhood move often requires transferring to the less affordable and less secure private rental housing. Even after considering financial status, social renters were four times as likely to be stuck as compared to private renters. Social tenants are strongly deterred from moving in the current system. <h2>How can we support older Australians’ preferences?</h2> Our study exposes some barriers in the housing system that hinder people from being able to age in place, or move when they want to. Clearly, older renters enjoy fewer protections against disruptions to their preferences to age in place than older owners. For private renters, tenure insecurity in the <a href="https://theconversation.com/insecure-renting-ages-you-faster-than-owning-a-home-unemployment-or-obesity-better-housing-policy-can-change-this-216364">private rental sector</a> is a key reform priority. This can be achieved through stronger regulation that improves tenants’ rights. For example, more states could adopt <a href="https://theconversation.com/how-5-key-tenancy-reforms-are-affecting-renters-and-landlords-around-australia-187779?utm_source=twitter&utm_medium=bylinetwitterbutton">recent regulatory rental reforms</a> that support the rights of pet owners and protect against no-grounds evictions. Large numbers of older private renters also face severe <a href="https://www.oldertenants.org.au/publications/ageing-in-a-housing-crisis-older-peoples-housing-insecurity-homelessness-in-australia">rental stress</a>, which may force them to move from their preferred neighbourhood. <a href="https://theconversation.com/1-billion-per-year-or-less-could-halve-rental-housing-stress-146397">Commonwealth rent assistance reform</a> would alleviate some of this stress through an increase in rates and better targeting. An increase in the supply of social housing would play an important role in improving both tenure security and housing affordability. Older social renters enjoy fewer obstacles to ageing in place than older private renters. However, if social renters want to move into the private rental market to relocate, they face difficulty securing accommodation. This will likely discourage moves as it would require sacrificing the tenure security offered by social housing. However, policy initiatives that improve the <a href="https://www.ahuri.edu.au/sites/default/files/migration/documents/PES-358-Lessons-from-public-housing-urban-renewal-evaluation.pdf">quality of the public housing stock</a> can reduce feelings of being stuck. As <a href="https://www.aihw.gov.au/reports/australias-welfare/home-ownership-and-housing-tenure">homeownership rates decline</a> both among young people and those nearing retirement, we can expect the population of older renters to grow. Overall, our findings support a strong case for policy reform in the rental sectors to address the needs and preferences of older renters.<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/218024/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/christopher-phelps-378137">Christopher Phelps</a>, Research Fellow, School of Accounting, Economics and Finance, <a href="https://theconversation.com/institutions/curtin-university-873">Curtin University</a>; <a href="https://theconversation.com/profiles/rachel-ong-viforj-113482">Rachel Ong ViforJ</a>, ARC Future Fellow & Professor of Economics, <a href="https://theconversation.com/institutions/curtin-university-873">Curtin University</a>, and <a href="https://theconversation.com/profiles/william-clark-1488932">William Clark</a>, Research Professor of Geography, <a href="https://theconversation.com/institutions/university-of-california-los-angeles-1301">University of California, Los Angeles</a> Image credits: Shutterstock This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/stay-or-go-most-older-australians-want-to-retire-where-they-are-but-renters-dont-always-get-a-choice-218024">original article</a>.

Retirement Income

"It's very serious": Australian Idol star's devastating diagnosis

The news of Australian Idol alum Courtney Murphy's battle with late-stage bowel cancer has sent shockwaves through the music community, leaving many fans and supporters rallying behind the beloved musician and his family. Courtney, who rose to fame during the second season of Australian Idol in 2004, capturing hearts with his powerful vocals and captivating performances, now faces one of the toughest challenges of his life. Despite finishing third in the competition, Murphy left a lasting impression on audiences with his raw talent and genuine charisma. Since his time on Australian Idol, Murphy has remained an integral part of the Western Australian music scene, enchanting audiences with his performances and contributing his talents to various musical productions. From his memorable role in the Queen musical We Will Rock You to his collaborations with his brothers in bands like Murphy's Lore and The Murphy Brothers, Courtney has left an indelible mark on the music landscape. However, the news of his cancer diagnosis has cast a shadow over his musical career. At 44 years old and with a loving wife and three children, Murphy now faces a daunting battle against the disease. His family has confirmed the severity of his condition In a heartfelt statement shared on a <a href="https://www.gofundme.com/f/courtney-murphy-and-his-family" target="_blank" rel="noopener">GoFundMe page</a>. Set up to support Murphy and his family, his brothers Kieran and Chris express the gravity of the situation: "Our beautiful brother Courtney Murphy is in for the fight of his life. It is with heavy hearts that we share Court has been diagnosed with advanced stage bowel cancer. It's very serious. "As a self-employed musician with a wife and three young children, Courtney will not be able to work for the foreseeable future which leaves his young family fighting much harder than we want them to be. "Anyone who knows Courtney knows that his heart is as a big as his voice and we've set up this GoFundMe page in the hope that we can ease some of the burden on his young family. Any funds generated will go directly to Courtney Murphy, his wife Jane and children as they navigate the difficult road ahead." Tragically, the Murphy family has already endured the loss of their father to a brain tumour just 12 weeks prior to Courtney's diagnosis, compounding the emotional strain they are experiencing. As they navigate this tumultuous journey, they are met with an outpouring of support from fans, friends and well-wishers. From heartfelt reminiscences of past performances to expressions of unwavering support, the response from the community has been overwhelming. As he embarks on the fight of his life, Courtney Murphy is not alone; he is buoyed by the love and solidarity of those who have been touched by his talent and spirit. Images: Instagram | GoFundMe

Caring

‘To truly forget life for a while – a reprieve and a reward’: why Australians love going to the cinema

<a href="https://theconversation.com/profiles/ruari-elkington-105955">Ruari Elkington</a>, <a href="https://theconversation.com/institutions/queensland-university-of-technology-847">Queensland University of Technology</a> Australians have had plenty of time in the last 100 years to work out what they value about cinema-going and why it matters. Head to any cinema and catch the Val Morgan advertising in the pre-show. Take a closer look at the date the company was founded. Not 1984, <a href="https://en.wikipedia.org/wiki/Val_Morgan">but 1894</a>. That’s more than 125 years of “Making Messages Memorable” on Australian screens. We have a deep and abiding love for cinema in this country. Over the last century, the experience of going to the movies has both shifted significantly (<a href="https://villageroadshow.com.au/-/media/VRL-Corporate-Media-Library/Documents/Press-Releases/2017/5-December-Gold-Class-Celebrates-20-Years.pdf">we invented Gold Class, you know</a>) and somehow remained resolutely enduring in terms of appeal. My colleague Tess Van Hemert and I have spent the last two years <a href="https://research.qut.edu.au/dmrc/projects/resilient-screens-investigating-the-value-of-australian-cinema-exhibition/">researching</a> the cultures and practices of cinema-going and how cinema sites shape that experience. A typical response in our research was: "I love the cinema experience. It’s a bonding experience, if it’s good it’s an emotional and cathartic experience." <h2>‘A reprieve and a reward’</h2> Cinemas <a href="https://www.bfi.org.uk/industry-data-insights/reports/measuring-economic-value-cinema-venues">are a catalyst</a> for social, cultural and economic activity wherever they operate, from single-screen regional sites to major multiplexes in suburban shopping malls. Cinema, our participants said, is the “ideal” way to watch a movie: "I like to sit as close as I can to the screen so that the ‘real’ world is completely blocked out. I am immersed in & in awe of the film only. To truly forget life for a while – a reprieve & a reward." Cinemas also mirror communities back to themselves. We may go in alone, as a couple or with family and friends, but in the cinema we form a community. When reflecting on returning to the cinema between COVID lockdowns, one person spoke of seeing American Utopia "There were only about 10 people in the cinema. We didn’t know each other but we all started spontaneously dancing, first in our seats, and then everyone ran down to the floor in front of the screen to dance together. It was like a mini music festival when live music was banned." Despite the cost, despite the hassle, despite the need to leave the couch, Australians turn up time and time again to cinemas. In 2023, the Australian box office generated nearly <a href="https://if.com.au/australian-box-office-neared-1b-in-2023/">A$1 billion</a> (although this is down on <a href="https://variety.com/2020/film/asia/australia-annual-box-office-drops-1203476275/">pre-COVID figures</a>). Four of the top ten highest grossing films of all time in Australia have been released <a href="https://www.valmorgan.com.au/2022-at-the-movies">since the pandemic began</a>. Australian census data tells us cinema-going remains Australia’s <a href="https://www.abs.gov.au/statistics/people/people-and-communities#:%7E:text=44%25%20of%20people%20attended%20the,popular%20cultural%20venue%20or%20event">most popular</a> cultural activity. <h2>‘Being able to switch off’</h2> When cinemas face closure – or shut temporarily, as they did during the pandemic – the outpouring of community support can galvanise a community and remind them of all the times and ways in which they valued that access to that experience. One participant spoke of seeing their first film in the cinema after the pandemic: "It made me appreciate the whole cinema experience more. Getting out and being able to switch off was a welcome change." In our research, we observed how cinemas began to <a href="https://www.palacecinemas.com.au/blog/the-cinema-why-we-love-it/">articulate</a> their value to community through the pandemic period of forced closures. In the <a href="https://eprints.qut.edu.au/243758/">large-scale national audience research</a> we conducted in partnership with Palace Cinemas the value audiences derive from cinema-going was as diverse as the programming. They remembered specific films, such as watching the opening credits of Force Awakens with a crowd of avid fans, or feeling like they were “experiencing summer in Italy” while watching Call Me By Your Name. They focused on memories of the people they were with, such as feeling “all grown up” while seeing arthouse films with their dad when they were a kid. <h2>‘Float in the memory’</h2> They spoke about the feelings they had before during and after the screening and the experience overall. One respondent wrote of loving the end of a film: "the quiet few minutes as the credits roll and you float in the memory of the film. This only happens for me when I see it in the cinema." Another participant spoke about leaving the cinema and: "doing a walk around the block thinking about the movie, still thinking about the movie driving home." One participant said they love “being able to have respectful (unbothered) alone time publicly”. Clear in this data is that memorability – and the experience of cinema – is far more nuanced than the simple appeal of watching a big film in a big room on a big screen. Cinemas continue to serve Australian communities in far more complex way than simply movies and popcorn. Cinema has always battled headwinds. Since radio, cinema has constantly faced in-home entertainment technology that was supposed to knock it over completely – TV, colour TV, cable, satellite, VHS, DVDs and now streaming. Each time, the desire for people to come together in a space and watch something unique in a way they can’t find anywhere else, with a level of engagement they can’t find anywhere else, has prevailed. We all have a kitchen at home, but we still love going out to restaurants. Disney, Warner Bros and Australia’s own Birch Carrol and Coyle all celebrated 100 years of operation in 2023. To sustain another century, more research is needed to better understand how cinema-going must continue to evolve to meet shifting audience expectations.<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/222597/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/ruari-elkington-105955">Ruari Elkington</a>, Senior Lecturer in Creative Industries & Chief Investigator at QUT Digital Media Research Centre (DMRC), <a href="https://theconversation.com/institutions/queensland-university-of-technology-847">Queensland University of Technology</a> Image credits: Getty Images This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/to-truly-forget-life-for-a-while-a-reprieve-and-a-reward-why-australians-love-going-to-the-cinema-222597">original article</a>.

Movies

Undernourished, stressed and overworked: cost-of-living pressures are taking a toll on Australians’ health

<a href="https://theconversation.com/profiles/nicole-black-103425">Nicole Black</a>, <a href="https://theconversation.com/institutions/monash-university-1065">Monash University</a>; <a href="https://theconversation.com/profiles/anthony-harris-7148">Anthony Harris</a>, <a href="https://theconversation.com/institutions/monash-university-1065">Monash University</a>; <a href="https://theconversation.com/profiles/danusha-jayawardana-1406565">Danusha Jayawardana</a>, <a href="https://theconversation.com/institutions/monash-university-1065">Monash University</a>, and <a href="https://theconversation.com/profiles/david-johnston-1126643">David Johnston</a>, <a href="https://theconversation.com/institutions/monash-university-1065">Monash University</a> For the past few years, it has been impossible to escape the impact of inflation. Meeting our most basic needs – such as food, housing and health care – now costs significantly more, and wage increases <a href="https://futurework.org.au/post/for-most-workers-wages-are-still-failing-to-keep-up-with-inflation/">haven’t kept up</a>. There are signs relief could be on the horizon. Inflation has fallen to its <a href="https://www.abs.gov.au/statistics/economy/price-indexes-and-inflation/consumer-price-index-australia/latest-release">lowest levels</a> since January 2022. But Australia now also finds itself in the midst of an <a href="https://theconversation.com/prepare-to-hear-about-an-official-recession-unofficially-weve-been-in-one-for-some-time-224963">economic downturn</a>, putting further pressure on households. Rising prices have an obvious negative impact on our financial health. But they can also have a profound effect on our physical and mental wellbeing, which is often overlooked. Australians may continue to feel the health effects of high inflation for quite some time. <h2>It’s costing more to live well</h2> Between March 2021 and March 2023, the price of goods and services <a href="https://www.abs.gov.au/statistics/economy/price-indexes-and-inflation/consumer-price-index-australia/jun-quarter-2023">rose substantially</a>, marking a period of high <a href="https://www.rba.gov.au/education/resources/explainers/inflation-and-its-measurement.html">inflation</a>. <iframe id="5vFeh" class="tc-infographic-datawrapper" style="border: none;" src="https://datawrapper.dwcdn.net/5vFeh/" width="100%" height="400px" frameborder="0"></iframe> Worryingly, the prices of basic needs that are important for staying healthy – nutritious food, health care, housing and utilities – rose between 11% and 36%. <h2>Who is affected the most?</h2> Higher prices on essentials are virtually impossible to dodge, but they impact certain groups of people more than others. Wealthier households have managed their higher expenses by <a href="https://www.rba.gov.au/publications/fsr/2023/oct/pdf/financial-stability-review-2023-10.pdf">cutting back on discretionary spending and dipping into savings</a>. However, lower income households spend <a href="https://www.rba.gov.au/publications/fsr/2023/oct/household-business-finances-in-australia.html#:%7E:text=Lower%20income%20households%2C%20including%20many,than%20households%20on%20higher%20incomes.">a much larger portion of their income</a> on housing and other essentials. Without a savings buffer, these households experience severe financial strain and poor health outcomes. <h2>Financial stress affects our health</h2> Our research shows that high inflation has <a href="https://www.vichealth.vic.gov.au/resources/resource-download/high-inflation-and-implications-for-health">a range of effects</a> on people’s health. These effects fall into three main groups: material hardship, psychosocial, and behavioural. 1. Material hardship People facing material hardship can’t meet their basic needs because they can’t afford to pay for them. Material hardship can present itself in a variety of ways: <ul> <li><a href="https://theconversation.com/how-many-australians-are-going-hungry-we-dont-know-for-sure-and-thats-a-big-part-of-the-problem-195360">food insecurity</a> – not getting adequate nutrition</li> <li><a href="https://theconversation.com/1-in-4-households-struggle-to-pay-power-bills-here-are-5-ways-to-tackle-hidden-energy-poverty-204672">energy poverty</a> – struggling to pay for electricity and gas</li> <li>deferred health care – putting off medical treatment</li> <li>housing insecurity – struggling to find a stable place to live.</li> </ul> Between August 2022 and February 2023, when inflation hit its highest levels in 33 years, over half (53%) of surveyed Australians reported <a href="https://melbourneinstitute.unimelb.edu.au/data/taking-the-pulse-of-the-nation-2022/2023/australians-face-challenging-budgetary-constraints">struggling to afford</a> their basic needs. Finding ourselves in this situation can have far-reaching implications for our health. For example, food insecurity is linked to <a href="https://www.vichealth.vic.gov.au/sites/default/files/VH_High-Inflation-Paper_FINAL_1.pdf">an increased risk of poor nutrition, obesity and chronic illness</a>, as households facing cost-of-living pressures shift towards cheaper, lower-quality food options. Energy poverty is linked to <a href="https://www.vichealth.vic.gov.au/sites/default/files/VH_High-Inflation-Paper_FINAL_1.pdf">physical and mental health problems</a> as people struggle to keep warm in wintertime, and cool in the summer. Delaying health care <a href="https://www.vichealth.vic.gov.au/sites/default/files/VH_High-Inflation-Paper_FINAL_1.pdf">increases</a> the risk of facing severe health problems, staying in hospital for longer, and being admitted to the emergency department. This isn’t just worse for individuals, it’s also far more costly for our health care system. 2. Psychosocial effects Psychosocial effects are the ways in which cost-of-living pressures impact our mind and social relationships. Difficulties in meeting our basic needs are strongly associated with <a href="https://www.vichealth.vic.gov.au/sites/default/files/VH_High-Inflation-Paper_FINAL_1.pdf">increased levels of psychological distress</a>, including symptoms of anxiety and depression. This impact can worsen over time if individuals experience sustained financial stress. By undermining our ability to work well, the psychosocial effects of prolonged financial stress can initiate a “vicious cycle”, leading to reduced productivity and lower earnings. Financial stress can also have a detrimental impact on spousal relationships, which can affect the mental health of other household members such as children. 3. Behavioural effects Cost-of-living pressures can also cause a number of changes in the way we behave. For many, these pressures have become a reason to work longer hours and gain additional income. Last year, Australians collectively worked 4.6% longer, an <a href="https://www.abs.gov.au/statistics/labour/employment-and-unemployment/labour-force-australia/aug-2023">extra 86 million hours</a>. But working longer hours <a href="https://www.vichealth.vic.gov.au/sites/default/files/VH_High-Inflation-Paper_FINAL_1.pdf">reduces people’s overall health</a>, especially among parents of young children facing greater time constraints. It also leaves less time for activities that help to keep people healthy, such as getting regular exercise and cooking healthy meals. <h2>How can policymakers respond?</h2> In theory, the Reserve Bank of Australia’s primary tool for combating inflation – raising interest rates – should help. By reducing aggregate spending in the economy, it is designed to put downward pressure on prices. But by bluntly increasing the cost of borrowing, it also puts significant short-term financial pressure on both lower-income mortgage holders and renters. Better acknowledgement of this fact, and of inflation’s broader impact on people’s physical and mental health, would be a great start. When formulating policy responses to high inflation, governments could factor health and wellbeing impacts into their assessment of the trade-offs between alternative policy responses. This could help minimise any policy’s long-term negative health consequences and its impact on the health care system. Policymakers could also focus on making sure affordable and timely access to health care, especially mental health support, is made available to those most vulnerable to cost-of-living pressures.<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/223625/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/nicole-black-103425">Nicole Black</a>, Associate Professor of Health Economics, <a href="https://theconversation.com/institutions/monash-university-1065">Monash University</a>; <a href="https://theconversation.com/profiles/anthony-harris-7148">Anthony Harris</a>, Professor of Health Economics, <a href="https://theconversation.com/institutions/monash-university-1065">Monash University</a>; <a href="https://theconversation.com/profiles/danusha-jayawardana-1406565">Danusha Jayawardana</a>, Research Fellow in Health Economics, <a href="https://theconversation.com/institutions/monash-university-1065">Monash University</a>, and <a href="https://theconversation.com/profiles/david-johnston-1126643">David Johnston</a>, Professor of Health Economics, <a href="https://theconversation.com/institutions/monash-university-1065">Monash University</a> Image credits: Getty Images This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/undernourished-stressed-and-overworked-cost-of-living-pressures-are-taking-a-toll-on-australians-health-223625">original article</a>.

Money & Banking

Marcia Hines returns as Australian Idol fans cry foul over upset win

The Australian Idol 2024 grand finale left viewers stunned and divided as Dylan Wright emerged victorious, leaving many fans feeling that Amy Reeves had been unjustly denied the crown. The electrifying finale aired on Monday evening, showcasing the talents of Denvah Baker-Moller, Dylan Wright and Amy Reeves as they vied for the coveted title. However, it was Wright who clinched the top spot, much to the disappointment of numerous fans who had rallied behind Reeves. Throughout the season, Wright had consistently impressed both judges and audiences alike with his remarkable performances. His emotional reaction upon winning the recording contract with Sony Music Entertainment Australia and a $100,000 cash prize was palpable: “I’m about to cry!" he told the cheering crowd. "So, thanks!” The finale kicked off with hosts Ricki Lee and Scott Tweedie addressing the absence of judge Marcia Hines, who <a href="https://www.oversixty.com.au/health/caring/marcia-hines-rushed-to-hospital" target="_blank" rel="noopener">had been hospitalised</a> due to health issues potentially related to her Type 1 diabetes. The void left by Hines was temporarily filled by guest judge Guy Sebastian, <a href="https://www.oversixty.com.au/health/caring/guy-sebastian-reveals-what-happened-when-marcia-hines-collapsed" target="_blank" rel="noopener">who stepped in</a> to ensure the show's continuity. Despite her absence, Hines' spirit remained present as she conveyed her apologies via Instagram, assuring fans of her eagerness to return. “I feel fine,” she said on Monday night's show in response to Ricki Lee and Scott Tweedie. “I want to thank everybody who reached out towards me, you know. I do appreciate it. And you guys need to know – I couldn’t have missed this for the world. I couldn’t have.” Hines admitted to having had stitches after collapsing backstage, and briefly lifted her hair to show the stitches on her forehead. “It is all good," she explained. "I’m good. I go back to the hospital tonight,” she added jokingly. As the finalists delivered their last performances, Reeves' rendition of Jessie J's "Bang Bang" stood out, earning praise from judge Kyle Sandilands and igniting a wave of support from viewers. However, despite her standout performance, it was Wright who ultimately clinched the title after a tense battle with Reeves. The decision sparked a flurry of reactions on social media, with many expressing disbelief and frustration over Reeves' loss. Some fans proclaimed Reeves as the most deserving contestant in Idol history. “Call the police!" they wrote. "A robbery has taken place on #AustralianIdol. Amy has been absolutely shafted. Easily the best performer in idol history.” Amidst the chorus of disappointment, there were voices of congratulations for Wright, acknowledging his talent and triumph in the competition. Despite the divided opinions, one thing remained certain – the passion and fervour of Australian Idol fans, who eagerly await the next chapter in the musical journeys of all the finalists. Images: Channel Seven

How will Meta’s refusal to pay for news affect Australian journalism – and our democracy?

<a href="https://theconversation.com/profiles/peter-greste-616885">Peter Greste</a>, <a href="https://theconversation.com/institutions/macquarie-university-1174">Macquarie University</a> When we speak of media freedom, we generally mean it in terms of freedom from unnecessary legal restrictions, so journalists and their sources are not threatened with prosecution for exposing the misdeeds of governments. But the announcement by Meta (Facebook’s parent company) on March 1 that it will <a href="https://www.abc.net.au/news/2024-03-01/meta-won-t-renew-deal-with-australian-news-media/103533874">stop paying for Australian news content</a> poses a different kind of threat to media freedom. The most progressive <a href="https://theconversation.com/a-push-to-make-social-media-companies-liable-in-defamation-is-great-for-newspapers-and-lawyers-but-not-you-127513">media freedom laws</a> in the world are meaningless if news companies can’t afford to hire experienced journalists to run expensive investigations. It doesn’t matter how free the laws are if there are no journalists to do the reporting. A <a href="https://link.springer.com/chapter/10.1007/978-3-030-37265-1_4">key part of any successful democracy</a> is a free media, capable of interrogating the powerful and holding governments to account. Even in a world overflowing with digital content, we recognise the need for good journalism, produced to ethical and professional standards, to help inform public debate and good policy-making. <h2>It was always going to fall apart</h2> Three years ago, in 2021, under <a href="https://www.accc.gov.au/by-industry/digital-platforms-and-services/news-media-bargaining-code/news-media-bargaining-code">the News Media Bargaining Code</a>, the government forced Meta and Google to negotiate with news organisations and pay for the right to access and post their stories. The government introduced the code after <a href="https://www.aljazeera.com/economy/2024/3/1/facebook-owner-meta-to-end-deals-funding-news-in-australia-germany-france">Facebook and Google were accused of putting news content on their platforms</a>, while denying news organisations the advertising revenues that used to pay for journalism. Although we don’t know exactly who gets paid what, it is estimated that the two digital giants injected <a href="https://www.smh.com.au/politics/federal/1b-for-journalism-at-risk-in-new-warning-over-google-facebook-20240223-p5f78j.html">about $250 million a year</a> into Australian journalism. It wasn’t enough to end the crisis in news caused by the collapse of the old business models, but it <a href="https://www.aph.gov.au/Parliamentary_Business/Committees/House/Communications/Regionalnewspapers/Report/Section?id=committees%2Freportrep%2F024888%2F79305">helped prop up</a> a lot of struggling companies. In some cases, it helped pay for otherwise unprofitable forms of journalism. One of the big problems with the code was that it pushed media companies into inherently unstable and unpredictable deals with commercial behemoths, whose only interest in news was as a commodity to help drive profits. It was always going to fall apart, if and when news became too expensive and Facebook users became disinterested. It is hard to criticise Meta for deciding the deals weren’t worth it. The company is doing what it is supposed to, making hardheaded commercial decisions and maximising shareholder returns. But Meta’s interests are not the same as the Australian public’s. Or more accurately, Meta’s interests are not the same as our democracy’s. Meta doesn’t need high-quality news, particularly if its users are more interested in sharing family photos than sober reporting on inflation rates. But collectively, our society does need it. High-quality news is expensive. It doesn’t cost much to send someone to report on <a href="https://theconversation.com/why-are-taylor-swift-tickets-so-hard-to-get-the-economics-are-complicated-208567">Taylor Swift’s</a> Melbourne concert, but it is hugely expensive to cover <a href="https://theconversation.com/other-nations-are-applying-sanctions-and-going-to-court-over-gaza-should-nz-join-them-224132">the war in Gaza</a> or investigate allegations of government corruption. I suspect not that many Australians have read Adele Ferguson’s reporting about the <a href="https://www.smh.com.au/business/workplace/adele-ferguson-on-the-cost-of-whistleblowing-and-need-for-a-bank-royal-commission-20160505-gomxc4.html">corrupt practices of our biggest banks</a>. Her investigations took years of work, and cost far more than the Sydney Morning Herald would have recovered in subscriptions and advertising revenue for her stories. But her reporting triggered the <a href="https://www.royalcommission.gov.au/banking">Banking Royal Commission</a> and a suite of reforms that benefit everyone with a bank account. <h2>A news levy?</h2> If we accept that news is a public good, not something we can treat as a product to be traded like soap, then we have to develop economic models that somehow get the public to pay for it. It could be something like a levy – similar to Medicare’s – that recognises even if we don’t all consume news equally, we are collectively better off by having good journalism that’s free from commercial or political pressure. It is a difficult conversation to have, particularly when most Australians say <a href="https://www.edelman.com.au/trust/2023/trust-barometer">they don’t trust the media</a>, and more and more of us are <a href="https://www.canberra.edu.au/uc-alumni-canvas/canvas-articles/posts/news-blues-over-half-of-australians-avoid-the-news">giving up on news altogether</a>. And that brings us to the other truth this crisis has exposed: our consumption of media <a href="https://www.canberra.edu.au/about-uc/media/newsroom/2023/june/digital-news-report-australia-2023-tiktok-and-instagram-increase-in-popularity-for-news-consumption,-but-australians-dont-trust-algorithms">has changed irreversibly</a>. Fewer and fewer people are reading long news stories or wading through heavy TV bulletins. Now, short-form videos on TikTok, YouTube and Facebook are dominant. The news industry needs to meet audiences where they are, and accept that the ways of presenting news must also radically change. <figure><iframe src="https://www.youtube.com/embed/3RW1U9Q-lzw?wmode=transparent&start=0" width="440" height="260" frameborder="0" allowfullscreen="allowfullscreen"></iframe><figcaption>Our ways of consuming the news have changed, with short-form videos now dominant.</figcaption></figure> This is not to suggest all journalism should henceforth be presented as TikTok videos. But forcing digital giants to prop up analogue-era news companies cements a system that is no longer fit for purpose. By trying to make the big digital giants pay for content they ultimately profit from, the News Media Bargaining Code started with the right intention. But now that Meta has decided it is no longer worth it, we have a chance to radically rethink and redesign how we finance and deliver news – in a way that works for us all. Our democracy depends on it.<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/224872/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/peter-greste-616885">Peter Greste</a>, Professor of Journalism and Communications, <a href="https://theconversation.com/institutions/macquarie-university-1174">Macquarie University</a> This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/how-will-metas-refusal-to-pay-for-news-affect-australian-journalism-and-our-democracy-224872">original article</a>.

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Tourist's shocking behaviour sparks fury

Too many Australians aren’t getting a flu vaccine. Why, and what can we do about it?

World's most disappointing tourist hotspots revealed

How to avoid 6 common tourist scams

Australian churches collectively raise billions of dollars a year – why aren’t they taxed?

Australians lose $5,200 a minute to scammers. There’s a simple thing the government could do to reduce this. Why won’t they?

Our housing system is broken and the poorest Australians are being hardest hit

Why don’t Australians talk about their salaries? Pay transparency and fairness go hand-in-hand

Australians are having fewer babies and our local-born population is about to shrink: here’s why it’s not that scary

Tourist slapped with $225k bill after simple mistake

The most boring tourist attractions in the world revealed

Australian Idol host opens up on painful health battle

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

Selfies and social media: how tourists indulge their influencer fantasies

Stay or go? Most older Australians want to retire where they are, but renters don’t always get a choice

"It's very serious": Australian Idol star's devastating diagnosis

‘To truly forget life for a while – a reprieve and a reward’: why Australians love going to the cinema

Undernourished, stressed and overworked: cost-of-living pressures are taking a toll on Australians’ health

Marcia Hines returns as Australian Idol fans cry foul over upset win

How will Meta’s refusal to pay for news affect Australian journalism – and our democracy?

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Lifestyle

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Tourist's shocking behaviour sparks fury

Too many Australians aren’t getting a flu vaccine. Why, and what can we do about it?

World's most disappointing tourist hotspots revealed

How to avoid 6 common tourist scams

Australian churches collectively raise billions of dollars a year – why aren’t they taxed?

Australians lose $5,200 a minute to scammers. There’s a simple thing the government could do to reduce this. Why won’t they?

Our housing system is broken and the poorest Australians are being hardest hit

Why don’t Australians talk about their salaries? Pay transparency and fairness go hand-in-hand

Australians are having fewer babies and our local-born population is about to shrink: here’s why it’s not that scary

Tourist slapped with $225k bill after simple mistake

The most boring tourist attractions in the world revealed

Australian Idol host opens up on painful health battle

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

Selfies and social media: how tourists indulge their influencer fantasies

Stay or go? Most older Australians want to retire where they are, but renters don’t always get a choice

"It's very serious": Australian Idol star's devastating diagnosis

‘To truly forget life for a while – a reprieve and a reward’: why Australians love going to the cinema

Undernourished, stressed and overworked: cost-of-living pressures are taking a toll on Australians’ health

Marcia Hines returns as Australian Idol fans cry foul over upset win

How will Meta’s refusal to pay for news affect Australian journalism – and our democracy?

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