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Uproar over council's bin "shaming" move

<p>As councils around the country make big changes to the way we dispose of waste, one council's move has left an entire street in Melbourne "offended". </p> <p>On Wednesday morning, Essendon mum Kali took out her bins and thought nothing more of her weekly habit. It was when she came back after a coffee run that she spotted a tag that had "oh no" written in big red letters. </p> <p>"We found items that don't belong in your mixed recycling bin," the note read, identifying reusable shopping bags as the culprit. </p> <p>When she looked around all but one household on her street had the same yellow note. </p> <p>"I came back  and saw all these tags on the bins, I thought 'That's a bit weird'," she told <em>Yahoo News Australia</em>. </p> <p>"It was the talk of the street," she said, after finding out that fellow residents were in "uproar" over the tags. </p> <p>Kali, a mum-of-two, has lived in her home for over nine years and said this was the first time she saw the tag on her bin. </p> <p> "It's just a bizarre thing to do," she said.</p> <p>"I thought it was funny that I got bin shamed. I'm sure we're all guilty of [recycling incorrectly], it's an easy mistake.</p> <p>"Our whole street was embarrassed about it," she added, saying "other neighbours were more offended". </p> <p>Kali is adamant that she didn't do anything wrong, as she ensures the bags in her bin were made out of paper, but said that "you don’t know who is putting things in your bin."</p> <p>A council spokesperson told <em>Yahoo </em>that the move was made to "inform" residents. </p> <p> "Council’s intention is to provide information to people at their homes through our kerbside bin education program to create more awareness, so everyone in the community can recycle right," the spokesperson said.</p> <p>"We understand that recycling can be confusing and that there may be a misunderstanding in what can and can’t go into a recycling bin."</p> <p><em>Images: Yahoo News</em></p>

Home & Garden

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$15 Kmart hack that'll transform your kitchen

<p>Who doesn't love a cheap hack? </p> <p>For the past few months shoppers have been obsessed with a $15 bathroom item from Kmart, but not for its intended use. </p> <p>Shoppers have used the retailer’s 3 Tier Floor Caddy, which was originally designed to organise toiletries and save floor space, as a coffee station that's not only practical, but looks nice as well. </p> <p>One shopper took it to the next level, by using the $31 Flexi Storage Decorative Shelving from Bunnings and attaching it to two of the Kmart floor caddies to display plants alongside the DIY coffee station. </p> <p>She initially bought the shelves to install on her kitchen wall, but after finding out they weren't sturdy enough, it has been sitting in her home, until she saw the Kmart caddy hack. </p> <p>“I bought these floating shelves from Bunnings but after reading the reviews I found that people had said they are not great! And I was too lazy to take them back,” she wrote.</p> <p>“Then I saw this Kmart hack with the shower caddies and I’m very happy with the result.”</p> <p>Shoppers were impressed with the finished results, praising the "incredible" idea. </p> <p> “This looks excellent. Like you, we have a small kitchen with very limited shelving. You’ve inspired me to do the same,” one wrote. </p> <p>“Awesome, looks amazing,” another added, while a third commented, “That’s so clever, thanks for sharing”.</p> <p>However a few others didn't get the hype, with one saying: “I don’t get coffee stations. Not saying it’s bad. Just think it creates more clutter." </p> <p><em>Image: Facebook/ Kmart</em></p> <p> </p>

Home & Garden

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NRL legend calls for help to get newborn baby home

<p>NRL legend Jesse Ramien and his partner Shell are pleading for help to get their newborn baby home after Shell's traumatic birth experience in Bali. </p> <p>The Cronulla Sharks player and his wife travelled to Bali for a friend's wedding while Shell was 33 weeks pregnant, who was cleared by her doctor before their trip. </p> <p>However, after just three days into their holiday, Shell went into early labour which quickly led to an emergency C-section, with mum under anaesthetic and baby boy Teo needing five minutes of resuscitation.</p> <p>Baby Teo was rushed into a neonatal intensive care unit, with his parents not able to meet him until the day after he was born. </p> <p>The family has been torn apart since with the parents still yet to hold Teo, who remains in an incubator, and older son Tallen returning home after Shell’s mother rushed to Bali to help.</p> <p>It is not known when the family can return to Australia, as Teo's condition is still unstable. </p> <p>“There’s just so much uncertainty here. We’ve been told by doctors it could be four weeks before our baby is okay to travel, but that could quickly change to five, six, or seven weeks, who knows,” Ramien told <em><a href="https://www.dailytelegraph.com.au/sport/nrl/sharks-star-jesse-ramiens-impassioned-plea-for-help-from-the-australian-government-to-source-flight-to-bring-baby-back-to-australia/news-story/1208830641c06ecb8c2450b95eeabece" target="_blank" rel="noopener" data-link-type="article-inline">News Corp</a></em>.</p> <p>“We’re doing everything to contact the Australian embassy to see how we can get home both as quickly as possible, so that our boy can get the medical attention he needs.”</p> <p>A family friend has set up a <a href="https://www.gofundme.com/f/need-your-help-to-fly-our-boy-teo-home" target="_blank" rel="noopener">GoFundMe</a> page to help the couple get home with their baby on an emergency flight, with $45,000 of their $100,000 goal already raised. </p> <p>“I’ll play for nothing just to get our baby boy home safely,” Ramien said.</p> <p>Shell, who received clearance from her obstetrician and the airline before travelling, ensured her pregnancy was covered by a top travel insurance package, however baby Teo’s medical costs — tallying more than $20,000 so far — are not included, while the total costs to get Baby Teo home could exceed $130,000.</p> <p>Ramien has been sharing updates on Instagram, posting a picture of his new son with the caption, “Home soon my boy,” while Shell added, “Won’t be long my boy, we'll be home soon.”</p> <p><em>Image credits: Instagram / GoFundMe</em></p>

Caring

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"One of the best": Home and Away stars pay tribute to colleague

<p>Former and current stars of <em>Home and Away</em> have paid tribute to their colleague, who has passed away after a battle with cancer. </p> <p>Bruce Murray, who worked as a key grip behind the scenes of the show, has died just one year after going public with his diagnosis of oesophageal cancer. </p> <p>The news of his passing has rocked the show, with cast mates taking to social media to share their stories of their time with Bruce. </p> <p>"Love you Brucey, you beautiful thing," Emily Weir, who plays Mackenzie Booth said on Instagram.</p> <p>What a man, never a dull moment on the set or on the dance floor," Sarah Roberts, who played Willow Harris on the show before leaving in 2021, wrote.</p> <p>"One of the reasons I loved going to work... couldn't stop giggling at his jokes and his dance moves. I'll miss you Brucey!"</p> <p>"One of the best gone too soon," <em>Home and Away</em>'s head of makeup and hair, Laura Vazquez posted on Instagram. "Will miss you, mate. Can't believe I won't be seeing you again. RIP Brucey, you absolute legend."</p> <p>Murray's diagnosis with stage four oesophageal cancer was made public in October 2023, when his loved ones launched a GoFundMe page to help raise money for his family as he underwent treatment.</p> <p>"Recently our beloved, good friend, Bruce Murray was diagnosed with Stage 4 Oesophageal Cancer which has unfortunately gone into his blood stream and formed multiple cancers on his bones – ribs, spine, collar bone, sacrum, and hips," the GoFundMe page's message read.</p> <p>Many<em> Home and Away</em> alumni contributed to the GoFundMe, including Ada Nicodemou, Matt Little, Georgie Parker, Jessica Tovey, Stephanie Panozzo, Pia Miller, Ethan Browne, Axle Whitehead, and Philippa Northeast as well as numerous other anonymous donations and donations from producers and other Home and Away staffers, with the page raising $51k for Bruce's treatment.</p> <p>Bruce is survived by his wife of 19 years, Shelley Murray – who is a costume designer and head of the <em>Home and Away</em> wardrobe department – and their two children.</p> <p><em>Image credits: Instagram</em></p>

Caring

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Why Lisa Marie Presley kept son's body at home for two months after his death

<p>Lisa Marie Presley was so heartbroken by the loss of her only son, Benjamin Keough, at just 27-years-old in 2020, that she kept his body in her home for two months after his death. </p> <p>The star revealed this in her memoir <em>From Here to the Great Unknown</em>, which was finished by her daughter Riley Keough after the 54-year-old’s death in January 2023, according to <em>Page Six</em>. </p> <p>In the book, Lisa Marie opened up about the extent of her grief, saying that she had to force herself to "fight" to stay alive for her remaining children, and one of the ways she coped was not saying goodbye to Benjamin right away. </p> <p>“My house has a separate casitas bedroom and I kept Ben Ben in there for two months. There is no law in the state of California that you have to bury someone immediately,” Lisa Marie wrote. </p> <p>“I found a very empathetic funeral homeowner. I told her that having my dad in the house after he died was incredibly helpful because I could go and spend time with him and talk to him. She said, ‘We’ll bring Ben Ben to you.’”</p> <p>The room was kept at around 12 degrees celsius to preserve his body, and the star continued saying that she felt “fortunate that there was a way that I could still parent him, delay it a bit longer so that I could become okay with laying him to rest.”</p> <p>Another reason why she decided to keep his body was because she wasn't sure whether to bury him in Hawaii or at Graceland,  the Memphis estate where Elvis died and is buried.</p> <p>At one point, Riley and Lisa Marie decided to honour Benjamin by getting matching tattoos of his name, which was inscribed in the same place where Benjamin had his tattoos.</p> <p>Riley recalled the odd moment Lisa Marie brought in the tattoo artist into her home. </p> <p>“Lisa Marie Presley had just asked this poor man to look at the body of her dead son, which happened to be right next to us in the casitas. I’ve had an extremely absurd life, but this moment is in the top five," Riley wrote in the memoir. </p> <p>Lisa Marie acknowledged that it was odd, and soon after the tattoo day, they "got the vibe" that Benjamin wanted to be laid to rest. </p> <p>“Even my mum said that she could feel him talking to her, saying ‘This is insane, Mum, what are you doing? What the f**k!”</p> <p>The family held a funeral for Benjamin in Malibu, and he was buried at Graceland alongside Elvis, and now Lisa Marie as well. </p> <p><em>Image: Copetti/Photofab/ Shutterstock Editorial</em></p>

Family & Pets

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Breaking the silence on prostate cancer: man’s family legacy highlights importance of early detection

<p>James Murray, 55, an architect from Melbourne, always knew he was living with a genetic "time bomb." A fifth-generation prostate cancer sufferer, his family’s battle with the disease spans over 170 years. From his great-great-grandfather, who chronicled his symptoms in 1847, to his uncles and father who also faced the disease, prostate cancer has been a grim constant in his family.</p> <p>“My family has what's been called a ‘spectacular history’ with prostate cancer,” James reflects. “But that’s not the kind of thing you want to hear. My great-great-grandfather had it, though they couldn’t test for it back then. My grandfather died from it, my father got it, and both of his brothers had it as well. It’s been a constant in our family for generations.”</p> <p>James' great-great-grandfather, Robert William Felton Lathrop Murray, a soldier and the founder of the <em>Hobart Town Gazette</em>, documented his battle with the disease long before modern medicine could provide a diagnosis. Since then, generation after generation of Murrays has grappled with the same fate. </p> <p>For James, however, early detection was key. Diagnosed in February 2022, he underwent surgery just a few months later in May, removing what doctors described as an aggressive form of the disease. But his story, unlike his ancestors, had a different ending.</p> <p>“In a way, we’ve been cursed by prostate cancer," explains James. "But it’s also been a blessing because it made us all hyper-aware of the importance of early detection. My dad was incredibly diligent, and that saved his life. He made sure I was on top of my PSA testing from my mid-40s, and that’s how we caught it early for me.” </p> <p>Prostate-Specific Antigen (PSA) testing and early detection are now recognised as crucial, particularly for men with a family history of prostate cancer. Yet, dangerous myths surrounding prostate cancer testing continue to cost lives, warns Associate Professor Weranja Ranasinghe, Deputy Leader of the Urological Society of Australia and New Zealand’s (USANZ) GU-Oncology Special Advisory Group.</p> <p>“Many men believe that they need to have urinary symptoms to be concerned about prostate cancer,” explains Ranasinghe. “The reality is that most prostate cancers develop without any symptoms at all. Urinary symptoms are not reliable – most of these symptoms are caused by non-cancerous enlargement of the prostate but advanced cancer can also give you urinary symptoms. So it is important to get checked.”</p> <p>An even greater barrier, however, is the outdated belief that prostate cancer screening requires an invasive rectal exam. Ranasinghe stresses that this is no longer the case: “A simple PSA blood test, combined with advanced imaging like MRI, is now the standard approach. Many men are avoiding tests due to this outdated fear, but in the GP setting, a rectal exam is currently not required for detecting prostate cancer."</p> <p>With over 26,000 Australian men expected to be diagnosed with prostate cancer this year, the Urological Society of Australia and New Zealand (USANZ) is raising awareness during Prostate Cancer Awareness Month about the importance of early testing and debunking these misconceptions.</p> <p>Ranasinghe also points out that men with a strong family history should be particularly vigilant. “Men with female relatives who have had breast or ovarian cancer are also at an increased risk of prostate cancer due to the same genetic mutations. So we recommend that men with a strong family history get a PSA test at the age of 40, which is earlier than the recommended age.”</p> <p>For James Murray, the decision to undergo surgery quickly after his diagnosis proved life-saving. “When my PSA levels started rising in February 2022, I wasn’t shocked," he recalls. "I had always known this day would come. It wasn’t something I feared, but more something I was prepared for. I told myself, ‘Okay, it’s here, let’s deal with it,’ and I just focused on getting through the surgery as quickly as possible.”</p> <p>James feels fortunate compared to his uncles, whose diagnoses came much later in life, leading to more severe outcomes. His surgery went well, and he's had a quick recovery, returning to work and feeling grateful that they caught it early. That's why James is advocating for early PSA testing, particularly for men with a family history of prostate cancer. He plans to ensure his 19-year-old son is aware of the need for testing in the future.</p> <p>"We often see men wait until a friend or relative is diagnosed before thinking about getting a prostate cancer PSA test done," says Ranasinghe. "This reactive approach is dangerous. Men need to be proactive and take ownership of their prostate health and talk to their GPs about this, just like they would with cholesterol or other routine health checks."</p> <p>As prostate cancer awareness grows, James hopes his story will encourage others to get tested. It’s something no one wants to face, but the sooner you catch it, the better chance you have.</p> <p>For more information on prostate cancer screening and to find a urologist, visit the Urological Society of Australia and New Zealand (USANZ) at <a href="https://www.usanz.org.au/" target="_blank" rel="noopener">www.usanz.org.au</a>.</p> <p><em>Images: Supplied</em></p>

Caring

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Aussie family's refusal to sell family home could land them a $60m fortune

<p>An Aussie family that repeatedly said no to selling their much-loved family home to developers could land them a $60million in Australia's booming property market, but the defiant family refuses to sell. </p> <p>A year ago, the Zammit family from Quakers Hill in Sydney's north west caught worldwide attention when they refused to sell their  20,000 sqm parcel of land to developers who had purchased all the other land around them. </p> <p>The family received offers of up to $50m to sell their home to complete the new development named The Ponds, but they refused to sell. </p> <p>That didn't deter developers who are still offering the owners a massive amount of cash to sell their homes, with offers reportedly around $60m now, meaning the family have earned another $10m or 20 per cent over the past year. </p> <p>According to PropTrack home prices in Quakers Hill have risen by 8.5 per cent over the past 12 months, meaning that the Zammits would have earned at least another $4.25 million.</p> <p>The median price of a home in Quakers hill is now at $1.172m, around a decade ago it was $700,000.</p> <p>Last year, one of the property owners,  Diane Zammit, 50, told <em>news.com.au</em> that the neighbourhood used to be “farmland dotted with little red brick homes and cottages." </p> <p>“Every home was unique and there was so much space – but not any more. It’s just not the same,” she said.</p> <p>It is estimated that 50 houses could fit on the block of land if they chose to sell, but some of their neighbours reportedly don't want them to, as they like living in a cul-de-sac. </p> <p>Ray White Quakers Hill agent Taylor Bredin previously praised the family for staying put. </p> <p>“The fact that most people sold out years and years ago, these guys have held on. All credit to them," he told <em>7News</em>.</p> <p>“Depending on how far you push the development plan, you’d be able to push anywhere from 40 to 50 properties on something like this, and when subdivided, a 300 square metre block would get a million dollars.”</p> <p><em>Images: Channel 7</em></p>

Money & Banking

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The Block couple calls off wedding

<p><em>The Block</em> couple Paige Beechey and Jesse Maguire have called off their wedding following their abrupt exit from the show earlier this month. </p> <p>The Perth-based couple have reportedly sent their wedding guests a note informing them that their wedding has been postponed, with no new date confirmed. </p> <p>“Dear friends and family, life, in its unpredictable course, has presented us with unforeseen circumstances that has led us to postpone our upcoming wedding on 12 December,” the message read, according to <a href="https://au.lifestyle.yahoo.com/the-blocks-paige-and-jesse-call-off-their-wedding-with-heartbreaking-note-042835911.html" target="_blank" rel="noopener"><em>Yahoo Lifestyle</em></a>.</p> <p>“While we were eagerly looking forward to celebrating our love and commitment with you all, we believe it is essential to acknowledge when a moment is not right. This year, it is not.</p> <p>“We extend our sincerest apologies for any inconvenience and disappointment this news may bring. A new date for our celebration is unknown at this time, but we will keep you abreast of any rescheduling.”</p> <p>Despite their decision it is understood that the couple are still together, even telling the outlet that their reality TV appearance had brought them "closer" together. </p> <p>The couple were branded this season's "villains" due to their <a href="https://www.oversixty.com.au/entertainment/tv/violent-threats-the-block-star-opens-up-after-sudden-exit" target="_blank" rel="noopener">multiple on-screen arguments</a>, with the show’s executive producer Justin Sturzaker forced to step in after their tensions escalated one night, and the couple were recorded yelling at each other. </p> <p>After reaching out to the counselling services on the show, the couple eventually decided to quit the show. </p> <p>“We feel as though you need to get to a place that’s out of here, to take care of yourself,” he told the couple, adding that their departure was “for the best", <em>The Block</em> host Scott Cam said during their final farewell. </p> <p>Cam also added that it was the couple's decision to leave and "we didn't force them out". </p> <p>"They made the decision they wanted to go home. We followed it up with professional care in their home state for as long as they needed it.”</p> <p><em>Images: Instagram</em></p>

Relationships

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Offering end of life support as part of home care is important – but may face some challenges

<div class="theconversation-article-body"> <p><em><a href="https://theconversation.com/profiles/jennifer-tieman-378102">Jennifer Tieman</a>, <a href="https://theconversation.com/institutions/flinders-university-972">Flinders University</a></em></p> <p>Earlier this month, the government announced <a href="https://theconversation.com/the-government-has-a-new-plan-for-residential-aged-care-heres-whats-changing-238765">major changes</a> to aged care in Australia, including a A$4.3 billion <a href="https://theconversation.com/what-the-governments-home-care-changes-mean-for-ageing-australians-238890">investment in home care</a>.</p> <p>Alongside a shake up of home care packages, the Support at Home program will include an important addition – an <a href="https://www.health.gov.au/sites/default/files/2024-09/support-at-home-fact-sheet.pdf">end of life pathway</a> for older Australians.</p> <p>This pathway will allow access to a <a href="https://www.health.gov.au/our-work/support-at-home/features">higher level</a> of in-home aged care services to help Australians stay at home as they come to the end of their life. Specifically, it will provide an extra A$25,000 for palliative support when a person has three months or less left to live.</p> <p>This is a positive change. But there may be some challenges to implementing it.</p> <h2>Why is this important?</h2> <p>Older people have made clear their preference to remain in their homes as they age. For <a href="https://journals.sagepub.com/doi/10.1177/0269216313487940">most people</a>, home is where they would like to be during their last months of life. The space is personal, familiar and comforting.</p> <p>However, data from the <a href="https://www.abs.gov.au/statistics/research/classifying-place-death-australian-mortality-statistics">Australian Bureau of Statistics</a> shows most people who die between the ages of 65 and 84 die in hospital, while most people aged 85 and older die in residential aged care.</p> <p>This apparent gap may reflect a lack of appropriate services. Both palliative care services and GPs have an important role in providing medical care to people living at home with a terminal illness. However, being able to <a href="https://grattan.edu.au/wp-content/uploads/2014/09/815-dying-well.pdf">die at home</a> relies on the availability of ongoing support including hands-on care and assistance with daily living.</p> <p>Family members and friends often provide this support, but this is not always possible. Even when it is, carers may <a href="https://pubmed.ncbi.nlm.nih.gov/38533612/">lack confidence and skills</a> to provide the necessary care, and may not have enough support for and respite from their carer role.</p> <p>The palliative care funding offered within Support at Home should help an older person to remain at home and die at home, if that is their preference.</p> <p>Unless someone dies suddenly, care needs are likely to increase at the end of a person’s life. Supports at home may involve help with showering and toileting, assessing and addressing symptoms, developing care plans, managing medications, wound dressing, domestic tasks, preparing meals, and communicating with the person’s family.</p> <p>Occupational therapists and physiotherapists can assist with equipment requirements and suggest home modifications.</p> <p>End of life supports may also involve clarifying goals of care, contacting services such as pharmacists for medications or equipment, liaising with organisations about financial matters, respite care or funeral planning, as well as acknowledging grief and offering spiritual care.</p> <p>But we don’t know yet exactly what services the $25,000 will go towards.</p> <h2>What do we know about the scheme so far?</h2> <p>The Support at Home program, including the end of life pathway, is scheduled to start from <a href="https://www.health.gov.au/sites/default/files/2024-09/support-at-home-fact-sheet.pdf">July 1 2025</a>.</p> <p>We know the funding is linked to a prognosis of three months or less to live, which will be determined <a href="https://www.abc.net.au/news/2024-09-15/new-payment-aims-to-make-it-easier-for-people-to-die-at-home/104347984">by a doctor</a>.</p> <p>Further information has indicated that an older person can be referred to a <a href="https://www.health.gov.au/our-work/support-at-home/features">high-priority assessment</a> to access the end of life pathway. We don’t know yet what this means, however they don’t need to be an existing Support at Home participant to be eligible.</p> <p>The pathway will allow 16 weeks to use the funds, possibly to provide some leeway around the three-month timeline.</p> <p>Although more details are coming to light, there are still some things which remain unclear.</p> <p>Home care providers will be looking for details on what can be covered by this funding and how they will work alongside primary care providers and health-care services.</p> <p>Older people and their families will want to know the processes to apply for this funding and how long applications will take to be reviewed.</p> <p>Everyone will want to know what happens if the person doesn’t die within three months.</p> <h2>Some challenges</h2> <p>Ready availability of appropriate supports and services will be crucial for older people accessing this pathway. Home care providers will therefore need to assess how an end of life pathway fits into their operational activities and how they can build the necessary skills and capacity.</p> <p>Demand for nurses with palliative care skills and allied health professionals is likely to increase. Providing end of life care can be <a href="https://pubmed.ncbi.nlm.nih.gov/33096682/">especially taxing</a> so strategies will be needed to prevent staff burnout and encourage self-care.</p> <p>How pathways are implemented in rural and remote areas and in different cultural and community groups will need to be monitored to ensure all older people benefit.</p> <p>Effective coordination and communication between home care, primary care and specialist palliative providers care will be key. Digital health systems that connect the sectors could be helpful. Family engagement will also be very important.</p> <p>Escalation pathways and referral pathways should be established to enable appropriate responses to emergencies, unexpected deterioration, and family distress.</p> <p>Finally, <a href="https://bmcpalliatcare.biomedcentral.com/articles/10.1186/s12904-023-01155-y">accurately determining</a> when someone will die can be difficult. Knowing when the last three months of life starts may not be easy, particularly where frailty, cognitive issues and multiple health concerns may be present.</p> <p>This might mean some people are not seen as being ready for this pathway. Others may not be willing to accept this prognosis. An older person may also be expected to live with a terminal illness for many months or years. Their palliative care needs would not be met under this pathway.</p> <p>Despite these challenges, the announcement of an end of life pathway within the home care program is timely and welcome. As a population we are living longer and dying older. More details will help us be better prepared to implement this scheme.<!-- Below is The Conversation's page counter tag. Please DO NOT REMOVE. --><img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/239296/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /><!-- End of code. If you don't see any code above, please get new code from the Advanced tab after you click the republish button. The page counter does not collect any personal data. More info: https://theconversation.com/republishing-guidelines --></p> <p><em><a href="https://theconversation.com/profiles/jennifer-tieman-378102">Jennifer Tieman</a>, Matthew Flinders Professor and Director of the Research Centre for Palliative Care, Death and Dying, <a href="https://theconversation.com/institutions/flinders-university-972">Flinders University</a></em></p> <p><em>Image credits: Shutterstock </em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/offering-end-of-life-support-as-part-of-home-care-is-important-but-may-face-some-challenges-239296">original article</a>.</em></p> </div>

Retirement Life

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Transforming homes and lives: The rise of Compact Home Lifts

<p>In an era where ageing in place has become increasingly important, homeowners are constantly looking for clever solutions to maintain their independence and comfort. Enter the game-changing alternative to traditional stairlifts: <a href="https://compactlifts.com.au/" target="_blank" rel="noopener">Compact Home Lifts</a>.</p> <p>These sleek and discreet elevators are revolutionising how people navigate their multi-storey homes, offering a perfect blend of functionality, style and peace of mind.</p> <p>For anyone considering home mobility solutions, Compact Home Lifts present a compelling case. Unlike bulky stairlifts that can radically alter the appearance of existing staircases, these lifts occupy less than a square metre of floor space, seamlessly integrating into almost any room of your house.</p> <p>But the real beauty lies in their versatility and minimal impact on your home's aesthetics. One of the most attractive features of these lifts is their self-supporting design. With no need for structural walls, installation is neat and non-invasive, preserving the integrity of your home.</p> <p>The fully contained motor and self-supporting rails ensure that the lift can be installed with minimal disruption to your daily life. Any concerns about energy consumption are quickly dispelled too when you learn that these lifts plug into a standard socket and use less power than boiling a kettle!</p> <p>This energy efficiency not only makes them environmentally friendly but also keeps operating costs low.</p> <h2><strong>Planning for the future</strong></h2> <p>While some homeowners may require a home lift immediately due to mobility issues, others are taking a proactive approach. By installing a Compact Home Lift, they’re future-proofing their homes, ensuring they can continue to enjoy their beloved space for years to come. This forward-thinking strategy eliminates the need for costly and emotionally taxing moves or extensive home renovations to accommodate single-floor living.</p> <h2><strong>Customer satisfaction and expert installation</strong></h2> <p>Compact Home Lifts has garnered an exceptional reputation, boasting impressive ratings from customers on Google. Their dedicated team of expert installers ensures that both homeowners and their properties are treated with the utmost care and professionalism.</p> <p>One satisfied customer, Kenneth S, shared his experience in August 2024, writing: “Cannot say enough good things about the team at Compact Home Lifts. They have been wonderful in every stage (including post installation). If you need a home lift, I recommend these guys.”</p> <h2><strong>Tailored solutions and expert advice</strong></h2> <p>Understanding that each home and homeowner's needs are unique, Compact Home Lifts offers personalised consultations. Their experts visit your property to help determine the optimal location for your lift and address any questions or concerns you may have. This tailored approach ensures that you receive a solution that perfectly fits your home and lifestyle.</p> <p><img src="https://oversixtydev.blob.core.windows.net/media/2024/09/Article-Image-Body-3-Wheelchair-1280.jpg" alt="" width="1280" height="720" /></p> <p>As Australia’s number one small home lift provider, Compact Home Lifts stands out with its rapid service, cost-effective solutions and small footprint designs. They offer a range of models, including wheelchair-accessible options, catering to diverse mobility needs.</p> <p>Perhaps one of the most reassuring aspects of choosing Compact Home Lifts is their commitment to quality and customer satisfaction. Each installation comes with a 7-year warranty, providing homeowners with long-term peace of mind (T&Cs apply).</p> <h2><strong>Embracing independence and comfort</strong></h2> <p>By choosing a Compact Home Lift, homeowners aren’t just investing in a mobility solution; they're investing in their future independence and quality of life. These lifts offer the freedom to move safely between floors, maintaining access to all areas of your home without the need for assistance.</p> <p>Compact Home Lifts represent a significant leap forward in home mobility solutions. They offer a perfect balance of functionality, aesthetics and peace of mind, allowing homeowners to continue enjoying the homes they love for years to come.</p> <p>As we look to the future of ageing in place, it's clear that these innovative lifts will play a crucial role in maintaining independence and enhancing the quality of life for countless individuals.</p> <p>For more information, watch the video below or visit the <a href="https://compactlifts.com.au/" target="_blank" rel="noopener">Compact Home Lifts</a> website.</p> <p><iframe title="YouTube video player" src="https://www.youtube.com/embed/5TQEcW-lNe4?si=DonQNooUcOkadDdR" width="560" height="315" frameborder="0" allowfullscreen="allowfullscreen"></iframe></p> <p><em>This is a sponsored article produced in partnership with Compact Home Lifts.</em></p> <p> </p>

Home & Garden

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Is it worth selling my house if I’m going into aged care?

<div class="theconversation-article-body"><em><a href="https://theconversation.com/profiles/colin-zhang-1234147">Colin Zhang</a>, <a href="https://theconversation.com/institutions/macquarie-university-1174">Macquarie University</a></em></p> <p>For senior Australians who cannot live independently at home, residential aged care can provide accommodation, personal care and general health care.</p> <p>People usually think this is expensive. And many assume they need to sell their home to pay for a lump-sum deposit.</p> <p>But that’s not necessarily the case. Here’s what you need to consider.</p> <h2>You may get some financial support</h2> <p>Fees for residential aged care are complex and can be confusing. Some are for your daily care, some are means-tested, some are for your accommodation and some pay for extras, such as cable TV.</p> <p>But it’s easier to think of these fees as falling into two categories:</p> <ul> <li> <p>an “entry deposit”, which is usually more than <a href="https://www.health.gov.au/sites/default/files/documents/2020/06/eighth-report-on-the-funding-and-financing-of-the-aged-care-industry-july-2020-eighth-report-on-the-funding-and-financing-of-the-aged-care-industry-may-2020.pdf">$A300,000</a>, and is refunded when you leave aged care</p> </li> <li> <p>daily “<a href="https://www.myagedcare.gov.au/aged-care-home-costs-and-fees">ongoing fees</a>”, which are $52.71-$300 a day, or more. These cover the basic daily fee, which everyone pays, and the means-tested care fee.</p> </li> </ul> <p>To find out how much government support you’ll receive for both these categories, you will have a “<a href="https://www.myagedcare.gov.au/income-and-means-assessments/#aged-care-home">means test</a>” to assess your income and assets. This means test is similar (but different) to the means test for the aged pension.</p> <p>Generally speaking, the lower your aged-care means test amount, the more government support you’ll receive for aged care.</p> <p>With full support, you don’t need to pay an “entry deposit”. But you still need to pay the basic daily fee (currently, <a href="https://www.myagedcare.gov.au/aged-care-home-costs-and-fees">$52.71</a> a day), equivalent to 85% of your aged pension. If you get partial support, you pay less for your “entry deposit” and ongoing fees.</p> <h2>You don’t need a lump sum</h2> <p>You don’t have to pay for your “entry deposit” as a lump sum. You can choose to pay a rental-style daily cost instead.</p> <p>This is calculated as follows: you multiply the amount of the required “entry deposit” by the maximum permissible interest rate. This rate is set by government and is currently at <a href="https://www.health.gov.au/sites/default/files/documents/2021/03/schedule-of-fees-and-charges-for-residential-and-home-care-schedule-from-20-march-2021_0.pdf">4.01%</a> per year for new residents. Then you divide that sum by 365 to give a daily rate. This option is like borrowing money to pay for your “entry deposit” via an interest-only loan.</p> <p>You can also pay for your “entry deposit” with a combination of a lump sum and a daily rental cost.</p> <p>As it’s not compulsory to pay a lump sum for your “entry deposit”, you have different options for dealing with your family home.</p> <h2>Option 1: keep your house and rent it out</h2> <p>This allows you to use the rental-style daily cost to finance your “entry deposit”.</p> <p><strong>Pros</strong></p> <ul> <li> <p>you could have more income from rent. This can help pay for the rental-style daily cost and “ongoing fees” of aged care</p> </li> <li> <p>you might have a special sentimental attachment to your family house. So keeping it might be a less confronting option</p> </li> <li> <p>keeping an expensive family house will not heavily impact your residential aged care cost. That’s because any value of your family house above <a href="https://www.health.gov.au/sites/default/files/documents/2021/03/schedule-of-fees-and-charges-for-residential-and-home-care-schedule-from-20-march-2021_0.pdf">$173,075.20</a> will be excluded from your <a href="https://www.servicesaustralia.gov.au/organisations/health-professionals/services/aged-care-entry-requirements-providers/residential-care/residential-aged-care-means-assessment">means test</a></p> </li> <li> <p>you can still access the capital gains of your house, as house prices rise.</p> </li> </ul> <p><strong>Cons</strong></p> <ul> <li> <p>your rental income needs to be included in the means test for your aged pension. So you might get less aged pension</p> </li> <li> <p>you might need to pay income tax on the rental income</p> </li> <li> <p>compared to the lump sum payment, choosing the rental-style daily cost means you will end up <a href="https://www.smh.com.au/money/super-and-retirement/seek-help-when-weighing-up-how-to-pay-for-your-aged-care-20191202-p53g16.html">paying more</a></p> </li> <li> <p>you are subject to a changing rental market.</p> </li> </ul> <h2>Option 2: keep your house and rent it out, with a twist</h2> <p>If you have some savings, you can use a combination of a lump sum and daily rental cost to pay for your “entry deposit”.</p> <p><strong>Pros</strong></p> <ul> <li> <p>like option 1, you can keep your house and have a steady income</p> </li> <li> <p>the amount of lump sum deposit will not be counted as an asset in the pension means test.</p> </li> </ul> <p><strong>Cons</strong></p> <ul> <li> <p>like option 1, you could have less pension income, higher age-care costs and need to pay more income tax</p> </li> <li> <p>you have less liquid assets (assets you could quickly sell or access), which could be handy in an emergency.</p> </li> </ul> <h2>Option 3: sell your house</h2> <p>If you sell your house, you can use all or part of the proceeds to pay for your “entry deposit”.</p> <p><strong>Pros</strong></p> <ul> <li> <p>if you have any money left over after selling your house and paying for your “entry deposit”, you can invest the rest</p> </li> <li> <p>as your “entry deposit” is exempt from your aged pension means test, it means more pension income.</p> </li> </ul> <p><strong>Cons</strong></p> <ul> <li>if you have money left over after selling your house, this will be included in the aged-care means test. So you can end up with less financial support for aged care.</li> </ul> <h2>In a nutshell</h2> <p>Keeping your house and renting it out (option 1 or 2) can give you a better income stream, which you can use to cover other living costs. And if you’re not concerned about having access to liquid assets in an emergency, option 2 can be better for you than option 1.</p> <p>But selling your house (option 3) avoids you being exposed to a changing rental market, particularly if the economy is going into recession. It also gives you more capital, and you don’t need to pay a rental-style daily cost.</p> <hr /> <p><em>This article is general in nature, and should not be considered financial advice. For advice tailored to your individual situation and your personal finances, please see a qualified financial planner.</em></p> <p><em>Correction: this article previously stated the amount of lump sum deposit will not be counted as an asset in the aged-care means test, as a pro of option 2. In fact, the amount of lump sum deposit will not be counted as an asset in the pension means test.</em><!-- Below is The Conversation's page counter tag. Please DO NOT REMOVE. --><img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/161674/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /><!-- End of code. If you don't see any code above, please get new code from the Advanced tab after you click the republish button. The page counter does not collect any personal data. More info: https://theconversation.com/republishing-guidelines --></p> <p><a href="https://theconversation.com/profiles/colin-zhang-1234147"><em>Colin Zhang</em></a><em>, Lecturer, Department of Actuarial Studies and Business Analytics, <a href="https://theconversation.com/institutions/macquarie-university-1174">Macquarie University</a></em></p> <p><em>Image credits: Shutterstock </em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/is-it-worth-selling-my-house-if-im-going-into-aged-care-161674">original article</a>.</em></p> </div>

Retirement Income

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Jamie Durie returns to Aussie TV with new show featuring his family

<p>Jamie Durie is set to return to Aussie TV screens with his new renovation show, <em>Growing Home</em>, and this time it will feature his young family. </p> <p>The international award-winning landscape designer and seven-time Logie-winning host of shows such as<em> Backyard Blitz</em>,<em> The Block</em> and many more, will showcase his skills through the process of building a sustainable and luxury dream home for, and with his family. </p> <p>“After 26 years making TV shows all over the world, this is the show I’ve always wanted to make. And if we’re creating a show around sustainability, then my family and I need to do it first and practise what we preach,” he said in an interview for <em>Better Homes and Gardens</em>.</p> <p>Durie has called this the biggest challenge of his career. </p> <p>It’s been “five long years of planning and researching the most eco-friendly partners, methods and technologies we can find, and we’re finally ready to build this house,” Durie said. </p> <p>Durie will film alongside his wife singer/songwriter Ameka Jane, who is equally committed to sharing real-life stories with the world, and creating a more authentic life. </p> <p>“I think there is a common misconception that ‘sustainable’ or ‘eco-friendly’ means that it’s complicated or that we have to compromise on style and function,” Jane said. </p> <p> “We want to show Australia how easy and accessible it is to create a green home on any scale. Small changes can make a big impact. I was a green novice at the start of this mission, so if I can do it, anyone can.”</p> <p>Their two kids, three-year-old daughter Beau and 18-month-old son Nash, will also make appearances on the show. </p> <p><em>Growing Home </em>aims to show an honest depiction of the struggles and accomplishments of building in the Northern Beaches, while educating on sustainability and what a greener future for Australia could look like. </p> <p>While no exact date has been released for the show, it is set to air soon on Channel 7 and 7Plus. </p> <p>You can watch a teaser for the show <a href="https://www.growinghomewithjamiedurie.com.au/" target="_blank" rel="noopener">here</a>. </p> <p><em>Images: Instagram/ Growing Home with Jamie Durie</em></p>

TV

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"Disrespectful and frustrating": Publicists call out Kyle and Jackie O

<p>A group of publicists have called out Kyle and Jackie O's "disrespectful" behaviour on their radio show, while explaining why celebrities keep appearing on their program. </p> <p>The claims against the radio duo were first brought to light in an episode of the <em><a href="https://omny.fm/shows/game-changers-radio/playlists/podcast" target="_blank" rel="noopener">Game Changers Radio: Melbourne Radio Wars</a></em> podcast, with the hosts reading out an email they had received from an anonymous publicist who regularly books their "talent" to appear on the popular KIIS FM radio show.</p> <p>“We are feeding the beast as we are giving Kyle and Jackie O access to artists and stars when they do terrible interviews and are always late,” the publicist complained in the email.</p> <p>“I had one TV publicist have to wait 45 minutes with their A-grade talent. They do it to everyone. It’s disrespectful and frustrating.”</p> <p>The publicist went on to explain why they have no choice but to book celebrities on the show, given the huge audience that listens to the show. </p> <p>“From a music point of view, the big dogs say we have to support them for the bigger picture and airplay, but artists don’t want to talk to them,” they wrote in the email.</p> <p>After the claims were first aired, <em><a href="https://www.news.com.au/entertainment/tv/radio/publicists-expose-kyle-and-jackie-os-disrespectful-behaviour/news-story/e67f5c062dc85ff1a8e6c06e7c395fee" target="_blank" rel="noopener">news.com.au</a></em> reached out to other publicists to share their own stories of dealing with the radio hosts. </p> <p>One publicist shared, “They’re a nightmare, always have been."</p> <p>“Normally you get talent for a day or two to do some promo, so you’ve got to micromanage that day within an inch of its life so you can do as many interviews as possible."</p> <p>“But every single time you go to them, they always leave you waiting,” the publicist said. “You will wait an hour (in the green room) and it just stuffs up your morning."</p> <p>“I think it’s a power play for Kyle who thinks, ‘I’m the king of radio and you will all sit back and wait for me until I say you can come in.’”</p> <p>Another publicist called out the recent dip in quality of the show, criticising the "smutty" nature of the radio program, saying, “They’ve lost it.”</p> <p>“I don’t know if they’ve decided to double down on the smut because somebody has said something about it, but they talk to guests for 30 seconds and then they’ve got nothing and so they start asking them if they’ve done an*l. It’s like, really? You haven’t got anything more than this?"</p> <p>“They went through a phase where they were one of the better interviews,” the same publicist said. “When Kyle is on song, nobody is a better broadcaster and he gives a really generous plug. But it just feels like they’ve lost their way a little bit lately."</p> <p>“I think everybody walks away from them now going, ‘that was just weird,’” they said.</p> <p>Despite all the problems encountered with the show, all the publicists said they were still willing to book their talent on the radio show. </p> <p>“Nowadays I’m very selective about which talent I put up for chats,” one said.</p> <p>“I only pick talent who I think can handle it, who are open to being asked about everything, including their sex lives. I find the interviews often run better if you don’t set parameters, because if you tell Kyle that certain topics are off limits, you can be guaranteed he will ask about them on air.”</p> <p>Another added, “I always factor in delays when booking guests on Kyle and Jackie. Those delays often impact interviews we have lined up with other radio stations, but it’s usually worth it because their audience is so much bigger than all those other stations combined.”</p> <p>News.com.au also reached out to KIIS FM to comment on the controversies, with a rep saying, “There is no issue, and the show continues to enjoy huge stars”.</p> <p><em>Image credits: Instagram / KIIS FM </em></p>

Music

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TikTok couple slammed for leaving toddlers unattended in cruise cabin

<p>TikTok Influencers Matt and Abby Howard have been slammed online for their controversial parenting choice while on a family vacation. </p> <p>In a now deleted video, the couple explained that they had brought their sons Griffin, 2, and August, 1 on a family cruise, and they went to dinner without the boys, but monitored the room through FaceTime. </p> <p>"So we ended up taking them for 5 nights and it became apparent that they weren't enjoying it and therefore we weren't either," they said in the caption. </p> <p>"So THEN we switched our dinner time to AFTER their bedtime and FaceTimed the monitors while we ate."</p> <p>Abby noted that baby monitors "don't work on board unless you're only like 10 feet away", adding that their dinnertime solution worked out "much better for everyone" </p> <p>Social media users were quick to respond to their decision, with many highlighting the safety concerns. </p> <p>"They literally could not have gotten to them fast enough if anything had happened and I cannot stop thinking about that. It’s sickening," one wrote on Reddit. </p> <p>"It's literally common sense that you do not leave a baby alone unsupervised," another added. </p> <p>"The fact that they would so willingly leave their children in an unfamiliar environment completely alone is shocking," another added. </p> <p>"Are they seriously that f****** dumb? Do they not watch the news, have they not seen what happened to Madeline McCann?" a fourth wrote.  </p> <p>Following the controversy, the couple released a video claiming that a family member was always with the children while they were at dinner, although they didn't clarify who. </p> <p>"We take our roles as parents extremely seriously and we love our children more than anything in the entire world, and we're very protective of our kids," Matt said in the video. </p> <p>"We had someone with our children at all times on this boat," he continued adding that the speculation surrounding them is "completely untrue". </p> <p>"I do want to clarify that we have not, would not, will not ever leave our children unattended. We would would never, ever want to put them in harms way in anyway," Abby added. </p> <p>She explained that her family would "tag team" to help the couple out with watching their children. </p> <p>Viewers were quick to speculate whether they were telling the truth, while others were glad they clarified. </p> <p>"Thanks for the clarification because it did come off like the boys were alone- context is everything," one wrote. </p> <p>"I hope this is the truth," another added. </p> <p>"For them to post about it like it's some genius parenting hack is just wild," a third wrote. </p> <p><em>Image: Instagram</em></p> <p> </p>

Family & Pets

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"Violent threats": The Block star opens up after sudden exit

<p>Paige and Jesse, contestants on the 2024 season of <em>The Block</em>, have finally addressed the intense backlash they've received following their portrayal on the popular reality show.</p> <p>The couple, who became social media’s latest "villains" due to multiple on-screen arguments, have opened up about the toll it has taken on their mental health. Fans of the show have accused the duo of having a "toxic relationship", and some online commentators have left harsh, often cruel comments directed at them.</p> <p>The 27-year-old Paige expressed her dismay at the negativity, calling it "really sad" to see so many of her fellow contestants also receiving hate. “It's just a TV show as well," she told <a href="https://au.lifestyle.yahoo.com/lifestyle/what-you-dont-see-on-tv-the-block-star-on-horrific-consequence-of-being-a-reality-villian-053436673.html" target="_blank" rel="noopener">Yahoo Lifestyle</a>. "I don't think it's appropriate whatsoever.”</p> <p>The attacks have gotten so bad that Paige revealed that Jesse has taken control of her Instagram to filter hateful messages, and she has deleted her Facebook presence completely, to avoid the barrage of negativity.</p> <p>In her interview with Yahoo Lifestyle, Paige revealed how serious the situation has become, explaining that the constant harassment has led her to turn off comments on her social media to safeguard her “sanity”. “I've had a lot of death threats, violent threats, and nasty comments that are unimaginable. I turned the comments off for my own wellbeing,” she said, explaining that the online abuse began almost immediately after the first episode aired.</p> <p>While Channel Nine has provided counselling and mental health resources for them, Paige says that her biggest support has come from her family and from Jesse. Her family, who have moved in with them temporarily, have been a source of strength, with Paige explaining that her brother also experienced severe online bullying when they were younger. “I think just being around grounded people, it's a lot harder to fall into those traps,” she shared.</p> <p>Jesse also opened up about the difficulties of watching themselves on TV, admitting that the negative portrayal has made them question their self-identity. However, they’ve found comfort in reconnecting with their co-stars, who remind them of the fun, positive moments that weren’t aired. “You start to question yourself when you’re watching yourself on TV,” Jesse said, adding that they often reflect on the good times during filming, despite what viewers see.</p> <p>Despite the negative attention, Paige and Jesse have also experienced an outpouring of support. Following Paige’s <a href="https://www.tiktok.com/@paigebeechey" target="_blank" rel="noopener">candid three-part TikTok series</a>, where she revealed details about their experience on the show and their decision to leave on bad terms, the couple received a flood of encouraging messages. “The response that I got was pretty huge,” Paige said. “I received so many wonderful messages from women, men, current contestants, past contestants.”</p> <p>Jesse echoed her sentiments, sharing that for every few negative comments, there were significantly more positive ones. “It’s like, okay, there actually are people who understand and care and realise that it's more than just a show,” he said.</p> <p>As part of her post-exit TikTok series, Paige levelled a parting shot at the long-running renovation show itself, saying “The Block is over to me. All I want to do now is implore the network that when this show continues, there needs to be serious reform on how you prepare contestants.”</p> <p><em>Images: Channel Nine</em></p>

TV

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

<div class="theconversation-article-body"><em><a href="https://theconversation.com/profiles/rachel-ong-viforj-113482">Rachel Ong ViforJ</a>, <a href="https://theconversation.com/institutions/curtin-university-873">Curtin University</a> and <a href="https://theconversation.com/profiles/christopher-phelps-378137">Christopher Phelps</a>, <a href="https://theconversation.com/institutions/curtin-university-873">Curtin University</a></em></p> <p>For many Australians, the family home is their largest financial asset. With an increasing variety of ways to tap into home equity, the temptation to access this wealth is ever growing.</p> <p>Homeowners increase the debt owed on their home when they borrow against their <a href="https://doi.org/10.1080/02673037.2013.783202">equity</a>. Standard mortgage home loans now provide facilities for relatively cheap or free withdrawals of equity from the home.</p> <p>This turns the <a href="https://theconversation.com/your-home-as-an-atm-home-equity-a-risky-welfare-tool-22000">home into an ATM</a>, which borrowers can access when they choose.</p> <p>Our new <a href="https://doi.org/10.1080/02673037.2024.2400158">study</a> asks what motivates Australians to tap into their home equity, and how does this behaviour change with age?</p> <p>Surprisingly, despite having much lower housing equity levels, younger homeowners borrow often, and borrow more, than their Boomer parents.</p> <h2>How common is equity borrowing?</h2> <p>Using 15 years of data from the government-funded <a href="https://melbourneinstitute.unimelb.edu.au/hilda">Household, Income and Labour Dynamics in Australia </a>(HILDA) survey, we tracked the mortgage debt and repayments of homeowners aged 35 and over.</p> <p>The chart below shows younger owners are far more likely to engage in equity borrowing.</p> <p>In 2006, nearly 39% of the youngest homeowners, aged 35–44, borrowed against their home equity. By 2021, this number had dropped to 29%. Despite the decline, it’s still 24 percentage points more common than those aged 65 and over. The older group has remained steady at about 5% over the years.</p> <hr /> <p><iframe id="Ll9Cw" class="tc-infographic-datawrapper" style="border: 0;" src="https://datawrapper.dwcdn.net/Ll9Cw/" width="100%" height="400px" frameborder="0" scrolling="no"></iframe></p> <hr /> <h2>How much do equity borrowers withdraw from their home?</h2> <p>Among those who use their home like an ATM, younger borrowers now withdraw larger amounts than older borrowers.</p> <p>In 2006–07, equity borrowers aged 35–44 and 45–54 withdrew on average $43,000 and $57,000, respectively (expressed in real values set at 2022 price levels). By 2021, the amount withdrawn by these two age groups had climbed to $70,000 and $100,000.</p> <p>On the other hand, the amount withdrawn by borrowers aged 55 or older fell from more than $50,000 to less than $40,000.</p> <hr /> <p><iframe id="ujq3S" class="tc-infographic-datawrapper" style="border: 0;" src="https://datawrapper.dwcdn.net/ujq3S/" width="100%" height="400px" frameborder="0" scrolling="no"></iframe></p> <hr /> <h2>What motivates equity borrowing?</h2> <p>Young homeowners’ equity borrowing behaviours are sensitive to changes in house prices and debt values, and their financial risk preferences. Among those aged 35–44, a $10,000 increase in the primary home value raises the likelihood of equity borrowing by ten percentage points.</p> <p>Every $10,000 in debt against the primary home reduces the likelihood by 2.8% percentage points. Those willing to take substantial financial risk are eight percentage points more likely to borrow against their home than those who are risk-averse.</p> <p>Those aged 65+ are not inclined to borrow, and exhibit little change in equity borrowing behaviour with variations in asset, debt, income or financial risk preferences.</p> <h2>Why borrowing practices differ between age groups</h2> <p>As well as being more likely than older homeowners to borrow against equity, the younger group also withdraws higher amounts than their Boomer parents.</p> <p>This is despite younger borrowers already carrying much higher debt against their primary home. Among those in our study who engaged in equity borrowing in 2021, the median debt before borrowing was $401,000 for 35-44 year-olds compared to $0 for those aged 65+.</p> <p>As real house prices have risen over decades, the current generation of young homeowners has had to invest more money into purchasing their first home than previous generations.</p> <p>It’s therefore not surprising the primary home is now widely viewed as a financial resource to be <a href="https://theconversation.com/your-home-as-an-atm-home-equity-a-risky-welfare-tool-22000">tapped into to meet spending needs</a>.</p> <p>On the other hand, most Baby Boomers bought their first home at more affordable prices than their children, and at lower levels of debt. Now they don’t appear to be spending their kids’ inheritance by drawing down housing wealth.</p> <p>In fact, older parents may shy away from equity borrowing to <a href="https://www.pc.gov.au/research/completed/wealth-transfers/wealth-transfers.pdf">bequeath wealth to children</a>. Some also <a href="https://doi.org/10.1017/S0047279417000058">dislike passing debt</a> on to their children.</p> <p>Older people may also avoid equity borrowing due to concerns about <a href="https://treasury.gov.au/sites/default/files/2023-08/p2023-435150.pdf">aged care costs</a>. Some may be hampered by <a href="https://doi.org/10.1016/j.jue.2013.08.003">poor financial literacy</a>.</p> <h2>More debt ahead without policy changes</h2> <p>Present trends suggest young homeowners will remain indebted for longer periods, and more and more will <a href="https://theconversation.com/more-of-us-are-retiring-with-mortgage-debts-the-implications-are-huge-115134">retire with mortgage debt</a>.</p> <p>For indebted retirees, there are real prospects of <a href="https://theconversation.com/fall-in-ageing-australians-home-ownership-rates-looms-as-seismic-shock-for-housing-policy-120651">drawing down of superannuation</a> to pay off mortgages in retirement.</p> <p>This may impose extra burdens on the age pension system. Another unwelcome consequence, which may add to health costs, is the prospect of <a href="https://www.ahuri.edu.au/sites/default/files/migration/documents/AHURI-Final-Report-319-Mortgage-stress-and-precarious-home-ownership-implications-for-older-Australians.pdf">debt-related psychological distress</a> among those who can’t pay off their mortgage in old age.</p> <p>If the current trends continue, the <a href="https://www.afr.com/policy/economy/what-happens-when-australia-s-boomers-hand-5-trillion-to-their-heirs-20240515-p5jdvf">great wealth transfer</a> that has already begun looks set to <a href="https://theconversation.com/not-everyone-wins-from-the-bank-of-mum-and-dad-73842">further entrench inequality</a> between those who have access to the bank of mum and dad and those who do not.</p> <p>Encouraging older people to use their housing equity to fund their needs in old age may lighten fiscal burdens on younger generations. But policy reforms will be needed to relieve concerns about the risks of equity borrowing in old age.<!-- Below is The Conversation's page counter tag. Please DO NOT REMOVE. --><img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/238924/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /><!-- End of code. If you don't see any code above, please get new code from the Advanced tab after you click the republish button. The page counter does not collect any personal data. More info: https://theconversation.com/republishing-guidelines --></p> <p><a href="https://theconversation.com/profiles/rachel-ong-viforj-113482"><em>Rachel Ong ViforJ</em></a><em>, ARC Future Fellow &amp; Professor of Economics, <a href="https://theconversation.com/institutions/curtin-university-873">Curtin University</a> and <a href="https://theconversation.com/profiles/christopher-phelps-378137">Christopher Phelps</a>, Research Fellow, School of Accounting, Economics and Finance, <a href="https://theconversation.com/institutions/curtin-university-873">Curtin University</a></em></p> <p><em>Image credits: Shutterstock </em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/young-homeowners-are-more-likely-to-use-their-home-as-an-atm-than-their-boomer-parents-heres-why-238924">original article</a>.</em></p> </div>

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What the government’s home care changes mean for ageing Australians

<div class="theconversation-article-body"> <p><em><a href="https://theconversation.com/profiles/tracy-comans-696663">Tracy Comans</a>, <a href="https://theconversation.com/institutions/the-university-of-queensland-805">The University of Queensland</a> and <a href="https://theconversation.com/profiles/frances-batchelor-2209350">Frances Batchelor</a>, <a href="https://theconversation.com/institutions/the-university-of-melbourne-722">The University of Melbourne</a></em></p> <p>The Albanese government has this week announced it will introduce one of the <a href="https://www.health.gov.au/ministers/the-hon-anika-wells-mp/media/once-in-a-generation-aged-care-reforms">largest reforms</a> to Australia’s aged-care sector to date.</p> <p>The package includes a A$4.3 billion investment in home care, now called “<a href="https://www.health.gov.au/our-work/support-at-home">Support at Home</a>”, to come into effect from July 2025. This reflects both the desire of many people to remain living at home as they age, and the government’s desire to reduce the costs of residential aged care.</p> <p>So what changes is the government making to home care packages? And what will these changes mean for ageing Australians?</p> <h2>Reducing waiting times</h2> <p>One of the major complaints about the current home care system is the long waiting times. Estimates suggest there’s a <a href="https://www.gen-agedcaredata.gov.au/getmedia/447b425c-63d6-4b96-a1fc-4dac805066ba/Home-Care-Packages-Program-data-report-1-January-%E2%80%93-31-March-2024">6–to-12-month wait</a> for the higher level 3 and 4 home care packages. For people with the highest needs, this is far too long.</p> <p>As of March this year, around <a href="https://www.gen-agedcaredata.gov.au/getmedia/447b425c-63d6-4b96-a1fc-4dac805066ba/Home-Care-Packages-Program-data-report-1-January-%E2%80%93-31-March-2024">45,000 people</a> were waiting for any level of home care. An additional 14,000 were already receiving a package, but on a lower level of home care than they were entitled to.</p> <p>With additional funding, the new system will <a href="https://www.health.gov.au/ministers/the-hon-anika-wells-mp/media/once-in-a-generation-aged-care-reforms">support more participants</a>. It aims to shorten wait times to <a href="https://www.health.gov.au/sites/default/files/2024-09/support-at-home-fact-sheet.pdf">an average of three months</a> from July 2027.</p> <h2>Changes to services</h2> <p>The new system will replace the current four levels of home care packages with <a href="https://www.health.gov.au/ministers/the-hon-anika-wells-mp/media/once-in-a-generation-aged-care-reforms">eight classifications</a> of funding for services. When participants are assessed, they will be assigned the most suitable category. There’s currently very limited information on what these classifications are, but the idea is they will provide more targeted services.</p> <p>A number of short-term supports will also be available. These include assistive technology (such as mobility aids) and home modifications. Some people will be able to access 12 weeks of restorative care – a more intensive program designed to build function after injury or illness – as well as palliative care support.</p> <p>The way different types of services are subsidised is also changing. Previously, the same means-tested co-contribution applied regardless of the type of service.</p> <p>Under the new system, services are categorised into clinical care (for example, physiotherapy or wound care), independence (such as help with bathing or cooking) and everyday living (for example, gardening or home maintenance). The new reforms fully subsidise clinical services regardless of income, whereas independence and everyday living services will attract co-contributions based on means testing.</p> <p>For example, <a href="https://www.health.gov.au/sites/default/files/2024-09/case-studies-support-at-home.pdf">a self-funded retiree</a> would pay nothing out of pocket for physiotherapy, but would pay 50% for help with showering and 80% towards gardening costs. A full pensioner would also pay nothing for physiotherapy, but pay 5% for help with showering and 17.5% of the cost of gardening.</p> <p>This is a positive change. Our research has previously highlighted a tendency for people with home care packages to choose everyday living services <a href="https://onlinelibrary.wiley.com/doi/full/10.1155/2023/4157055">such as gardening</a> and cleaning and refuse clinical care such as allied health and nursing as these types of services were more expensive.</p> <p>These changes should make older people more likely to choose allied health and clinical care services, which will help them maintain their function and stay fitter for longer.</p> <h2>Some challenges</h2> <p>For the government’s reforms to deliver faster and better support at home, a number of issues need to be addressed.</p> <p>As people stay at home for longer, we also see that these <a href="https://academic.oup.com/ageing/article/52/5/afad058/7147101">people are frailer</a> and have more health conditions than in the past. This requires a different and more highly skilled home care workforce.</p> <p>The current <a href="https://www.health.gov.au/sites/default/files/documents/2021/10/2020-aged-care-workforce-census.pdf">home care workforce</a> consists largely of personal care and domestic support workers alongside a much smaller skilled workforce of registered nurses and allied health professionals.</p> <p>But with the changing profile of people receiving care at home, there will need to be a greater focus on maintaining functional capacity. This might mean more allied health input will be required, such as from physiotherapists and occupational therapists.</p> <p>It’s difficult to source an appropriately skilled workforce across the sector, and almost impossible in <a href="https://www.ruralhealth.org.au/sites/default/files/publications/fact-sheet-allied-health.pdf">rural and remote areas</a>. Alternative models, such as training personal care workers to act as allied health assistants, and effectively using technology such as telehealth, will be necessary to meet demand without compromising on quality of care.</p> <p>One example of the need for upskilling in specific areas relates to caring for people with dementia. The majority of people who are living with dementia at home receive care from family carers, supported by home care workers. It’s vital that these care workers have adequate knowledge and skills specific to dementia.</p> <p>However, research has shown the home care workforce may <a href="https://pubmed.ncbi.nlm.nih.gov/31646701/">lack the knowledge and skills</a> to provide best-practice care for people living with dementia. Specialised <a href="https://onlinelibrary.wiley.com/doi/10.1002/gps.6140">dementia training</a> for home care workers is effective in improving knowledge, attitudes and sense of competence in providing care. It should be rolled out across the sector.</p> <h2>What about unpaid care at home?</h2> <p>Unpaid carers, such as family members, provide <a href="https://www.pmc.gov.au/resources/draft-national-strategy-care-and-support-economy/goal-1-quality-care-and-support/support-for-informal-carers">significant amounts of care</a> for older people. The value of this unpaid care is estimated to be in the billions. As older people stay at home for longer, this is set to increase even further.</p> <p>However, carers with high care burdens are particularly vulnerable to <a href="https://www.sciencedirect.com/science/article/pii/S2352827316300283#s0025">poor physical and mental health</a>. Without adequate support, we may find extra caring pressures lead to a breakdown in caring relationships and an increase in other health-care costs for both the carer and care recipient.</p> <p>So we need to ensure carers have adequate financial, psychological and practical support. But the currently available detail on the reforms doesn’t indicate this has been adequately addressed.</p> <p>With careful implementation and ongoing evaluation, these reforms have the potential to significantly enhance the home care system. However, their success will depend on addressing workforce challenges, ensuring adequate support for unpaid carers, and maintaining a focus on the holistic needs of older Australians.</p> <p><em>More information about Support at Home is <a href="https://www.health.gov.au/our-work/support-at-home/about">available online</a>.</em><!-- Below is The Conversation's page counter tag. Please DO NOT REMOVE. --><img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/238890/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /><!-- End of code. If you don't see any code above, please get new code from the Advanced tab after you click the republish button. The page counter does not collect any personal data. More info: https://theconversation.com/republishing-guidelines --></p> <p><a href="https://theconversation.com/profiles/tracy-comans-696663"><em>Tracy Comans</em></a><em>, Executive Director, National Ageing Research Institute; Professor, Centre for Health Services Research, <a href="https://theconversation.com/institutions/the-university-of-queensland-805">The University of Queensland</a> and <a href="https://theconversation.com/profiles/frances-batchelor-2209350">Frances Batchelor</a>, Director Clinical Gerontology &amp; Senior Principal Research Fellow, National Ageing Research Institute, <a href="https://theconversation.com/institutions/the-university-of-melbourne-722">The University of Melbourne</a></em></p> <p><em>Image credits: Shutterstock </em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/what-the-governments-home-care-changes-mean-for-ageing-australians-238890">original article</a>.</em></p> </div>

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"World's biggest" amber nugget worth over $1 million used as doorstop for decades

<p>An elderly woman in Romania has unknowingly used one of the largest known amber nuggets in the world - worth over €1 million ($1.6 million) - as her doorstop for decades. </p> <p>The woman found the stone in the bed of a stream in Colti, a village in the southeast Romania, and used it as her doorstop for years without realising its value. </p> <p>Members of her family also reported that thieves had once broken into her home, but only stole a few pieces of gold jewelry, missing the seemingly insignificant rock. </p> <p>“In their frantic search for valuables, they overlooked the real treasure that was there before their eyes,” they said.</p> <p>It wasn't until after the woman died in 1991 that a relative who inherited her home suspected the doorstop might be more than meets the eye - and he was right. </p> <p>When he sold the amber to the Romanian state, experts at the Museum of History in Krakow, Poland appraised the rock and found that the amber is likely between around 38 and 70 million years old.</p> <p>“Its discovery represents a great significance both at a scientific level and at a museum level,” Daniel Costache, director of the Provincial Museum of Buzau, told  local news outlet <em>El Pais</em>.</p> <p>The expert also claimed that the amber is one of the largest pieces in the world and the largest of its kind weighing a hefty 3.5-kilograms.</p> <p>It has now been classified as a national treasure of Romania, and can be found in the Provincial Museum of Buzau, where it has been since 2022. </p> <p>Romania is one of the countries with significant deposits of amber, with Buzau County being one of the areas where you can find these beautiful stones in abundance. </p> <p>The protected area also contains the old Stramba amber mine, which was very productive during the first half of the 21st century, before it was shut down by the communist regime as it was considered unprofitable. </p> <p><em>Image: Buzău County Museum</em></p> <p> </p>

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Mother arrested after two boys found dead in Blue Mountains home

<p>A mother has been arrested after the tragic discovery of her two sons, aged nine and 11, dead at their home in the Blue Mountains, New South Wales. The boys, Russell and Ben, were found by their father at the family's home in Faulconbridge shortly before 12:40pm.</p> <p>Their mother, Trish Smith, 42, was also found at the scene with several self-inflicted injuries. She has been taken to Westmead Hospital and is in a stable condition. No charges have been laid so far.</p> <p>Superintendent John Nelson of the Blue Mountains police confirmed that Mr Smith, the father, discovered the bodies and contacted authorities. "The father is helping us with inquiries, and he was the one who contacted police... all avenues are open for investigation," Nelson stated. While the police have not confirmed whether a weapon was involved, they are working to understand the sequence of events leading to the boys' deaths.</p> <p>The family, who had no prior history of domestic violence and minimal contact with the police, has left the community in shock. Superintendent Nelson said that the investigation is still in its early stages, and no speculation will be made at this time.</p> <p>The boys had attended school on Monday with no apparent issues, and authorities are now trying to trace their movements on Tuesday to piece together what might have happened.</p> <p>The nearby Springwood High School was involved in the emergency response as its oval was used as a helipad for medical evacuations. Homicide detectives from the State Crime Command have been assigned to the case, and police are continuing to speak with neighbours to uncover any possible motives.</p> <p>Blue Mountains Mayor Mark Greenhill expressed the community’s grief in a statement: "Our community has lost two precious souls in the most awful circumstances. Now is a time to come together and remember these two beautiful children."</p> <p>NSW Police Commissioner Karen Webb acknowledged the profound emotional toll the incident has had on law enforcement officers. "I think the older and more experience you get in this job, things like this still cut to the core. It’s a tragic situation," she said.</p> <p>Authorities have confirmed that no one else is being sought in connection with the deaths, and there is no ongoing threat to the community.</p> <p>The investigation continues as police work to understand the full circumstances surrounding this heartbreaking incident.</p> <p><em><strong>Need to talk to someone? Don't go it alone. </strong></em></p> <p><em><strong>Call Lifeline on 13 11 14 or visit lifeline.org.au</strong></em></p> <p><em><strong>Beyond Blue: 1300 224 636</strong></em></p> <p><em><strong>SANE: 1800 187 263; saneforums.org</strong></em></p> <p><em>Image: Supplied</em></p>

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