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The gift of a lifetime: How one busy mum found peace of mind and left a lasting legacy

<p>Anita lives in Sydney with her husband and three sons. She recently chose to include a gift to Lifeline Australia when writing her Will with an online Will-writing service called <a href="https://www.gatheredhere.com.au/c/lifeline-au?gh_cuid=Oxs_YC7byb&gh_cch=%40campaign%2Fchannel%2Fnews" target="_blank" rel="noopener"><span style="text-decoration: underline;">Gathered Here</span></a>.</p> <p>“My Will has been in the making for the last five years and it has always been pushed down on the prioritisation list due to the high cost of seeing a solicitor and us being a very busy family with young kids,” says Anita.</p> <p>“When I found out about Gathered Here, I thought I may as well check it out, and after 10 minutes I had a Will! The process was simple and straightforward without any complicated legal jargon to cut through.</p> <p>“Within the Will-writing process, summarising my wishes was an important and practical step for me. I want to ease the situation for my loved ones I leave behind by providing emotional and financial certainty in a time of confusion and grief.</p> <p>“There is also an opportunity to nominate and leave gifts to my favourite charities. I have three young boys and having some insight into the mental health challenges in Australia made my decision of allocating a portion of my estate to Lifeline Australia very easy.</p> <p>“Seeing an organisation like Lifeline continuously dedicate their effort, time and professionalism at the highest level to ensure that no one is ever alone in crisis provides me with hope of a better world for my children.”</p> <p>Lifeline is a national charity providing people in Australia experiencing emotional distress with access to 24-hour crisis support and suicide prevention services.</p> <p>Tragically, over 3,000 people in Australia lose their lives to suicide every year. This year, Lifeline will receive well over 1 million contacts from people in crisis. Every 30 seconds, someone in Australia reaches out to Lifeline.</p> <p>Lifeline exists to ensure that no person in Australia has to face their toughest moments alone, and believes that through connection, hope can be found.</p> <p>Lifeline Australia has partnered with Gathered Here to offer you the opportunity to <span style="text-decoration: underline;"><a href="https://www.gatheredhere.com.au/c/lifeline-au?gh_cuid=Oxs_YC7byb&gh_cch=%40campaign%2Fchannel%2Fnews" target="_blank" rel="noopener">write your Will online for free</a></span> this Include a Charity Week, which runs from the 2nd – 8th September and is dedicated to raising awareness of how anyone can make a lasting impact to causes that they care about with a gift in their Will. You’ll also be able to make free and unlimited changes to your Will for life.</p> <p>Gathered Here provides end-of-life services through probate, funerals and online Wills. They are supported by an in-house legal team of highly experienced Wills and estate lawyers who have reviewed and vetted the Will writing process.</p> <p>Gathered Here's online Will-writing service allows you to appoint guardians for your children and pets, set out how you want to divide your estate and leave gifts to charities that mean the most to you - like Lifeline.</p> <p>After you've provided for those closest to you, <span style="text-decoration: underline;"><a href="https://www.gatheredhere.com.au/c/lifeline-au?gh_cuid=Oxs_YC7byb&gh_cch=%40campaign%2Fchannel%2Fnews" target="_blank" rel="noopener">leaving a gift to Lifeline Australia is a lasting and meaningful way that you can have an impact for years to come</a></span>. You will be helping to prevent suicide and save lives in future generations.</p> <p>Gifts in Wills make a phenomenal difference to charities, including Lifeline. This is why a growing number of people understand that once they have provided for their loved ones, leaving a gift in their Will is one of the most powerful ways they can support Lifeline, without incurring any financial costs during their lifetime.</p> <p>If you would like to learn more, please do not hesitate to get in touch with Lifeline Australia’s Gifts in Wills Specialist Abi Steiner via email at <a href="mailto:giftsinwills@lifeline.org.au" target="_blank" rel="noopener">giftsinwills@lifeline.org.<span style="text-decoration: underline;">au</span></a> or phone on 02 8099 1974.</p> <p>If you, or someone you know, are feeling distressed or overwhelmed, we encourage you to connect with Lifeline in the way you feel most comfortable. For 24/7 crisis support, you can phone Lifeline to speak to a Crisis Supporter on 13 11 14, text 0477 131 114, chat to Lifeline online or access the Support Toolkit to self-manage what you’re going through at <span style="text-decoration: underline;"><a href="http://www.lifeline.org.au/" target="_blank" rel="noopener">www.lifeline.org.au</a></span>.</p> <p><em>This is a sponsored article produced in partnership with Lifeline Australia.</em></p> <p><em>Image: Lifeline Australia</em></p>

Money & Banking

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Yomojo savings: A lifeline in the cost-of-living crisis

<p>In the wake of Telstra announcing yet another increase in mobile rates, Yomojo stands out with its much more affordable options – and, having never raised their prices for existing customers, that makes them an excellent choice for anyone looking for a quality mobile service without the hefty price tag.</p> <p>So if you’re looking for a mobile phone plan that grows with your family and offers fantastic savings, <a href="https://yomojo.com.au/family/" target="_blank" rel="noopener">Yomojo’s Family Bundles</a> offer the perfect solution. With these bundles, the more lines you add, the more you save! For example, adding two lines saves you 5%, while adding six lines saves you an impressive 15%.</p> <p>These discounted multi-line plans help reduce monthly expenses, ensuring that everyone in the family, including seniors, can stay connected without breaking the bank. By choosing Yomojo, families can manage their mobile costs more effectively, making a significant difference in their financial well-being during these challenging times.</p> <p>Yomojo also understands that every family is unique. That’s why they offer a range of Unlimited Plans that can be mixed and matched to suit each member’s needs and your budget. Whether you need 8GB or 100GB of data, Yomojo has you covered with plans starting as low as $19.90.</p> <p>Managing your family’s mobile services has never been easier. Yomojo provides a simple, secure, and easy-to-manage family dashboard where you can oversee all plan details through a single interface. Plus, with no lock-in contracts, you can freely customise your plans every month to adapt to your changing needs.</p> <p>Yomojo also offers proactive plan management to help you avoid bill shock, convenient plan renewals every 30 days, and easy top-ups to boost your mobile credit or data allocation as needed. Their exceptional customer service and reliable coverage make Yomojo a top choice for families across Australia.</p> <p>You can also “spread the love” for further savings with Yomojo’s simple and rewarding <a href="https://yomojo.com.au/mgm" target="_blank" rel="noopener">Referral Program</a>. Simply invite friends and family to join Yomojo, and both of you will receive a $20 credit when they activate their new SIM card. This is a win-win situation where you can refer as many people as you like, and watch your credits roll in! It’s a fantastic way to share Yomojo’s great service while enjoying additional savings on your own plan. </p> <p>But don’t just take our word for it – Yomojo customers have been raving about the great value, flexible plans and outstanding customer service. “By far the best value mobile plans out there,” wrote Stevo on ProductReview.com.au. “My wife and I both have accounts with them. Spoke to customer service and had my query dealt with quickly and effectively. Would recommend this company.”</p> <p>“I am a long-term Telstra customer who has never changed networks until now,” wrote Kerryn on Facebook Reviews. “The ever-rising charges I was receiving from Telstra promoted my change. My changeover experience has been very smooth. There was a lot of communication from Yomojo, both via sms and email, updating me with the progress of my sim card, activation and porting from Telstra.”</p> <p>“Definitely best value for money plan out there,” wrote Cam on Google Reviews. “Optus coverage has been very reliable as well. Excellent customer service and fast number porting.”</p> <p>So why not join the Yomojo family today and experience the freedom, flexibility and savings that come with their Family Bundles! For more information, visit <a href="https://yomojo.com.au/family/" target="_blank" rel="noopener">Yomojo Family Bundles</a>.</p> <p><em>Image: Shutterstock</em></p> <p><em>This is a sponsored article produced in partnership with Yomojo.</em></p>

Money & Banking

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Diving deeper into generosity: Cave diver's charitable gift shines a light on giving back

<p>Josh lives in Adelaide and is an avid cave diver, loves writing funny books about science, and spends a lot of time reading and studying online. He recently chose to include a gift to Lifeline Australia when writing his Will online with Safewill.</p> <p>“It was an incredibly easy decision to make,” says Josh. “As soon as I saw it was possible to allocate a portion of my estate as a charitable donation, I thought it was a perfect idea, and when Lifeline popped up as a recommended charity, I remembered the times when friends and family had so desperately needed their support - it was as easy as clicking the Lifeline logo.”</p> <p>For a lot of people, writing a Will can feel confronting and daunting. Josh explains how he approached it.</p> <p>“I had been putting off doing my Will for a while now and had brought home Will packs previously thinking I'd get to it eventually. COVID-19 triggered fear in many people around me, and I've had several close calls with diving accidents over the last few years, so I figured it was long overdue. It turned out to be much easier than expected - I already had a sense of what I wanted to happen when I pass away, so filling it out online concisely made the whole process remarkably quick and painless.</p> <p>“For me, a Will is less about enforcing my wishes and more about making things easier for the folks I leave behind. Instead of having loved ones wonder or argue over what I would have wanted, I've laid it all down in clear terms. They might still disagree with different elements of my Will when it's executed, but the important thing is that I don't cause additional grief by leaving ambiguous directions.”</p> <p>Josh was previously unaware that he could leave gifts to charity in his Will. “I certainly didn't think it was an option,” he says. “Until Safewill asked if I wanted to allocate a portion of my estate to charity, I'd never really given it much thought and figured I'd never have enough to make it worth mentioning. I knew how much donations are appreciated, I'd just never connected the dots to realise that what I leave behind could also go towards helping organisations I value.”</p> <p>Josh shares what he’d say if someone was considering leaving a gift to Lifeline in their Will.</p> <p>“They’ll be helping a much wider range of people than if they simply gave everything to their partner or family. As important as our loved ones are, we're ultimately all on the same team when it comes to humanity, so why not support those in need regardless of if you know them or not?”</p> <p>By leaving a gift in his Will to Lifeline, Josh wants to help create a world for people who might be struggling where they can get the support they need when they need it. “We all struggle in different ways, but for many just getting up and surviving the day can be the hardest part. We're incredibly lucky to have an organisation like Lifeline that is there for anyone to reach out to and get support whenever they need it.”</p> <p>Lifeline Australia is a national charity providing people in Australia experiencing emotional distress with access to 24-hour crisis support and suicide prevention services. Lifeline exists to ensure that no person in Australia has to face their darkest moments alone.</p> <p>Lifeline has partnered with Safewill to offer you the opportunity to <strong><a href="https://safewill.com//lifelineaus?utm_content=ptnr&amp;utm_source=over60&amp;utm_medium=enewsletter&amp;utm_campaign=lifelineaus_sep_2023_iac_week_over60_newsletter" target="_blank" rel="noopener">write your Will online for free this Include a Charity Week</a></strong>, which runs from the 4th – 10th September and is dedicated to raising awareness of how anyone can make a lasting impact to causes that they care about through a gift in their Will. Your Will will be reviewed by their affiliate law firm, Safewill Legal, to ensure it has been filled out correctly, and comes with a year of free and unlimited updates.</p> <p>While making a Will online may not be for everyone, particularly those with complex estates, thousands more Australians have been able to write a Will within the comfort of their own home in just 20 minutes.</p> <p>Safewill's online Will-writing service allows you to appoint guardians for your children, set out how you want to divide your estate and leave gifts to charities that mean the most to you - like Lifeline.</p> <p>After you've provided for those closest to you, leaving a gift to Lifeline is a lasting and meaningful way that you can have an impact for years to come. Even 1% of your estate can help save lives and prevent suicides in future generations.</p> <p>If you would like to learn more, please do not hesitate to get in touch with Lifeline Australia’s Gifts in Wills Specialist Abi Steiner via email at <a href="mailto:GiftsInWills@lifeline.org.au">GiftsInWills@lifeline.org.au</a> or phone on 1800 800 768.</p> <p><em>Images: Supplied. </em></p> <p><em>This is a sponsored article written in partnership with Lifeline Australia.</em></p>

Caring

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"There's a lot of kids calling": Why the sudden surge in Lifeline calls

<p>Being a Lifeline volunteer has got to be one of the toughest gigs out there, it’s a heartbreaking, confronting job at the best of times.</p> <p>Volunteers are expected to listen to people’s cries for help while remaining understanding and sympathetic, making sure not to overstep personal boundaries, it’s a role that can be very rewarding but can also take quite an emotional toll.</p> <p>These people are watching the nation’s mental health epidemic unravel before them, giving their best effort to comfort people at the worst of times. Being physically unable to prevent deaths is an unimaginable challenge that 55-year-old volunteer Text Crisis Supporter Sonny Tuapola is all too familiar with.</p> <p>Through time, Sonny has learnt to compartmentalise, although emotions can’t always be blocked, and when it comes to the escalating emergency among Australia’s children, he said it is undoubtedly “the hardest part”.</p> <p>At around 9 am each day, once parents are off to work and kids are left alone, either at school or anywhere else in between, traffic to the text line surges.</p> <p>"They're texting from their bedrooms, homes, bathrooms, the back of the buildings, everywhere," Tuapola told 9News.com.au.</p> <p>"I do the 6 am to 10 am shift, and you know, you get adults texting in on the way to work, pulling over their cars on the side of the road.</p> <p>"But towards 9 o'clock, something else happens, you get all the school kids.</p> <p>"And there's a lot - a lot of kids calling.</p> <p>"That's the hardest part.”</p> <p>Sonny explained that there’s no specific age group that seeks help more than others, and heartbreakingly, he receives calls from children as young as five.</p> <p>"It's different ages and all different demographics and that sort of stuff," he said.</p> <p>"And, you know, we do have a kids helpline, especially tailored for kids from five to 15.</p> <p>"But I regularly speak to children aged 14, 15 and 16.”</p> <p>Sonny admitted that every single shift he works, there’s always a text or call from a child, which he describes as a “tough” experience that has left a profound, lasting impact on him.</p> <p>"I'm not going to lie...the first three months I found things were sitting with me after I was speaking to some of the help seekers calling through," he said.</p> <p>"But I've gradually learned to be more resilient and I've learned to be strong, but it is tough.</p> <p>"I need to be in the right frame of mind so I can go back and support my family, otherwise, I couldn't do what I do voluntarily.</p> <p>"I try to help as much as I can, I'll be there with them and I'll stick with them but at the end of the day, it's obviously up to them what they do and we can only try to arm them with knowledge.”</p> <p>Sonny has been working with Lifeline since July 2021, and explained his role is all about forming a connection with the person on the other line, not providing advice or revealing personal details, although sometimes he may want to.</p> <p>He explained that there’s no discrimination when it comes to mental health, it’s not exclusive to any demographic, and with the COVID-19 pandemic and cost of living crisis, it has heightened certain issues, and the problem is “right across the spectrum”.</p> <p>"Self-isolation, working from home, people not having balconies and being confined - that's been a big topic," he said.</p> <p>"The Northern Rivers floods that happened a few months ago up in Lismore has been another big one," he said.</p> <p>"The Ukraine war.”</p> <p>Most recently, the cost of living crisis has been a major impact on callers’ lives.</p> <p>"I've got people that are about to get thrown out of their homes," Sonny said.</p> <p>"They can't pay the rent, they don't know what to do.”</p> <p>Financial pressures are weighing heavily on Australians, and January 2023 saw a record-breaking demand for Lifeline’s resources.</p> <p>Data released in March 2022 revealed that around 26,000 searches for support were made throughout the month of January alone, the highest ever to date.</p> <p>Referral searches by Lifeline’s councillors specifically relating to financial troubles and homelessness also doubled between August 2022 and January 2023.</p> <p>"Not all calls, all interactions, are about suicide though," Sonny said.</p> <p>"Sometimes, people just want to talk to someone.</p> <p>"Mental health is a hidden, silent killer and we need to be talking about it more.</p> <p>"Because when someone doesn't talk about it? Well, that's the person we need to look out for.”</p> <p>2023 has marked Lifeline Australia’s 60th year of helping Aussies through tough times.</p> <p>The organisation was first founded in Sydney in 1963 by Reverend Dr Sir Alan Walker OBE, after he took a call from a distressed man who later died by suicide.</p> <p>Walker vowed never to let isolation or lack of support cause more deaths and launched what later became Lifeline’s 24/7 telephone crisis line, 13 11 14.</p> <p>Lifeline receives more than two-and-a-half million contacts seeking help each year within 42 centres nationwide.</p> <p><em><strong>Help is available, speak with someone today.</strong></em></p> <p><em><strong>Crisis support is available from <a href="https://www.lifeline.org.au/" target="_blank" rel="noopener">Lifeline</a> on 13 11 14.</strong></em></p> <p><em><strong>Support is available from <a href="https://www.beyondblue.org.au/" target="_blank" rel="noopener">Beyond Blue</a> on 1300 22 4636.</strong></em></p> <p><em>Image credit: Shutterstock</em></p>

Caring

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"He was my lifeline": Julie Bishop's amazing Warnie rescue story

<p>Julie Bishop has fondly reflected on a tense situation she previously found herself in while serving as Australia’s Foreign Minister.</p> <p>She revealed how her loose connection to Shane Warne helped her negotiate with a gang in Zimbabwe.</p> <p>Speaking on The Project, Bishop praised Warne as a “reflection of the great Aussie character” and a “loveable larrikin” who captured the hearts of millions.</p> <p>“I remember years ago I was an electoral observer in Zimbabwe during a terrible time in their history and President Mugabe was standing for election and we were in the mountains,” she said.</p> <p>“It was the most rural, isolated part of Zimbabwe and there were some war veterans that had taken over a commercial farm and it was pretty scary but I had to interview them about the election and the leader of this gang.</p> <p>“They were kind of like bikies and no teeth and everything and chains around their neck and I was asking them how they would vote in the upcoming election and the leader, he was glaring at me and he said, you’re British and I thought, here is my moment and I said, no, I’m Australian, and he looked at me and the others and said, ‘Shane Warne!’”.</p> <p>Bishop said the connection to Shane Warne eased the waters in the otherwise tense situation, admitting she “never been so relieved to hear Shane Warne‘s name as I was then”.</p> <p>“He was my lifeline and apparently Warnie had played in Zimbabwe during the 90s and everybody there just fell in love with the great man,” he said.</p> <p>“So his impact is way beyond Australia and I found time and time again that people would raise Shane Warne as part of the great Australian character."</p> <p><em>Image: Getty</em></p>

TV

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Virgin Australia gets a lifeline but will it be enough?

<p>With commercial airline fleets grounded due to lack of demand, the Australian government will pay the nation’s two biggest airlines, Qantas and Virgin Australia, $A165 million to ensure they keep flying critical metropolitan and regional routes over the next two months.</p> <p>This measure comes on top of a <a href="https://minister.infrastructure.gov.au/mccormack/media-release/additional-new-support-critical-regional-aviation-services-through-covid-19">A$198 million assistance package</a> for regional airlines and the waiver of A$715 million in fees and charges for domestic airlines.</p> <p>It’s particularly important for the cash-strapped Virgin Australia. The company this week asked the Australian Stock Exchange to <a href="https://www.businessnewsaus.com.au/articles/virgin-suspended-from-asx.html">suspend trading of its shares</a> after the federal government rebuffed its request for a $A1.4 billion loan.</p> <p>Without a significant cash injection, <a href="https://www.abc.net.au/news/2020-03-17/coronavirus-airline-support-package-qantas-rex/12064316">industry experts</a> say, the airline will collapse within six months. Prior to the government’s latest announcement there were reports it <a href="https://www.theguardian.com/business/2020/apr/14/virgin-australia-considers-going-into-administration-as-labor-calls-for-government-rescue">could go into administration</a> within weeks.</p> <p>Virgin Australia is 90% owned by five international companies – Etihad Airways, Singapore Airlines, China’s Nanshan Group and HNA, and Richard Branson’s Virgin Group. Facing their own difficulties, they have signalled they will not inject further capital.</p> <p>This funding package gives the airline more time to find <a href="https://www.afr.com/politics/federal/private-equity-investors-circle-over-virgin-20200415-p54jwd">other investors</a>. But its longer-term future remains up in the air.</p> <p><strong>Desperately seeking $1.4 billion</strong></p> <p>While the US government has agreed to provide <a href="https://www.nytimes.com/2020/04/14/business/coronavirus-airlines-bailout-treasury-department.html">US$50 billion</a> in loans and grants to its ten biggest domestic airlines, with the option to take equity stakes, Treasurer Josh Frydenberg said this week the Australian government was “not in the business of owning an airline”.</p> <p>Having two major airlines had served Australia well, <a href="https://www.abc.net.au/news/2020-04-16/virgin-australia-disspears-from-skies-which-airline-coronavirus/12151072">he said</a>, but “our approach has been sector-wide support”.</p> <p>Complicating that type of support has been disagreement between Virgin Australia and Qantas.</p> <p>Qantas chief Alan Joyce has argued for “<a href="https://www.abc.net.au/news/2020-03-24/qantas-boss-comments-unhelpful-says-accc-boss/12085672">survival of the fittest</a>” and against assistance to “badly managed” businesses. His airline did not need government support, Joyce said this week. But if the government loaned Virgin Australia A$1.4 billion, <a href="https://www.abc.net.au/news/2020-04-16/virgin-australia-disspears-from-skies-which-airline-coronavirus/12151072">he wanted A$4.2 billion</a>.</p> <p><strong>To bail or not to bail</strong></p> <p>The federal government’s dilemma is whether it is better to bail out Virgin Australia or allow commercial forces to rule, as it has done in the past.</p> <p>Its interest in sector-wide support reflects the fact the entire domestic aviation industry is hurting.</p> <p>Freight and logistics, aircraft maintenance and repair, flight training and simulation, component manufacturing and research and design operations are all bundled together into a tightly bound sector.</p> <p>All up, the industry’s five subsectors – domestic commercial aviation, international commercial aviation, general aviation, freight transport and aviation support infrastructure – have provided employment for about <a href="http://www.australianindustrystandards.org.au/wp-content/uploads/2018/02/Aviation-Key-Findings-Paper2018V4Web.pdf">90,000 Australians across 1,900 businesses</a>. So it’s not just the 10,000 people employed by Virgin Australia the government needs to think about.</p> <p><strong>Systems shocks are nothing new</strong></p> <p>History is also a factor. The global aviation industry is no stranger to “system shocks”. These have included the Global Financial Crisis of 2008, the SARS outbreak in 2003, the World Trade Centre attacks in 2001, the Asian Financial Crisis in 1997 and the oil shocks of the 1970s.</p> <p>Typically the sector has “bounced back” within a year.</p> <p>The last big shakeup of the Australian airline industry was in 2001. Just days after the September 11 terrorist attacks, Ansett Airlines – flying since 1935 – went into administration.</p> <p>After Ansett’s collapse, Virgin Blue (established in 2000) saw explosive growth and former Ansett employees helped create regional operator Rex in 2002.</p> <p>So from the rubble of failure new enterprises and forms of aviation business can grow, just as Virgin Australia has taken Ansett’s place as the nation’s second major domestic carrier.</p> <p>Of course, the extent of the crisis is somewhat different this time.</p> <p>With domestic travel restrictions likely in place for at least six months, and international flight restrictions set to continue even longer, the sector will be changed forever.</p> <p>But history shows Australia can support two major airlines. We have extensive domestic aviation routes that will enable an early recovery compared with airlines in other parts of the world that rely on international routes.</p> <p><em>Written by Stephen Fankhauser and Mat Ebbatson. Republished with permission of <a href="https://theconversation.com/virgin-australia-gets-a-lifeline-but-will-it-be-enough-136399">The Conversation.</a></em></p> <p> </p>

Retirement Life

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Our smartphone addiction is killing us – can apps that limit screen time offer a lifeline?

<p>We’re <a href="https://www.pcmag.com/article/361587/tech-addiction-by-the-numbers-how-much-time-we-spend-online">squandering increasing amounts of time</a> distracted by our phones. And that’s taking a <a href="https://www.hbs.edu/faculty/Publication%20Files/Time,%20Money,%20and%20Subjective%20Well-Being_cb363d54-6410-4049-9cf5-9d7b3bc94bcb.pdf">serious toll</a> on our mental and physical well-being.</p> <p>Perhaps ironically, software developers themselves have been on the forefront of efforts to solve this problem by creating apps that aim to help users disconnect from their devices. Some apps reward you for staying off your phone for set periods of time. Others “punish” or block you from accessing certain sites or activities altogether.</p> <p>But over the past year, Apple <a href="https://www.nytimes.com/2019/04/27/technology/apple-screen-time-trackers.html">has been removing or restricting</a> some of the top screen time or parental control apps from its App Store, according to a New York Times analysis. At the same time, Apple – <a href="https://www.bloomberg.com/news/articles/2019-04-29/apple-says-it-pulled-parental-control-apps-over-privacy-concerns?srnd=technology-vp">which cited privacy concerns</a> for removing the apps – launched its own screen-time tracker that comes pre-installed on new iPhones.</p> <p>Limiting iPhone users’ access to other types of apps is a bad thing because certain ones may work better for some people than others. And <a href="https://doi.org/10.1016/j.paid.2017.03.043">research</a> by myself and others shows that excessive technology use can be problematic. In extreme cases, it is linked to depression, accidents and even death.</p> <p>But what makes some apps work better than others? Behavioral science, <a href="https://scholar.google.com/citations?user=zKUs7bQAAAAJ&amp;hl=en&amp;oi=ao">my area of expertise</a>, can shed some light.</p> <p><strong>Why we need help</strong></p> <p>Technology is <a href="https://www.thesun.co.uk/news/2286877/ex-google-boss-says-youre-addicted-to-your-smartphone-and-its-time-to-kick-the-habit/">designed</a> to be addictive. And a society that is “<a href="https://www.textrequest.com/blog/mean-mobile-dependent/">mobile dependent</a>” has a hard time spending even minutes away from their app-enabled smartphones.</p> <p>In 2017, U.S. adults <a href="https://www.pcmag.com/article/361587/tech-addiction-by-the-numbers-how-much-time-we-spend-online">spent an average of three hours and 20 minutes a day</a> using their smartphones and tablets. This is double the amount from just five years ago, according to an annual survey of internet trends. <a href="https://flurrymobile.tumblr.com/post/157921590345/us-consumers-time-spent-on-mobile-crosses-5">Another survey</a> suggests most of that time is spent on arguably unproductive activities like Facebook, gaming and other types of social media.</p> <p>This addiction has consequences.</p> <p>The most serious, of course, is when it leads to fatalities, like those that result from <a href="https://www.nytimes.com/2016/11/16/business/tech-distractions-blamed-for-rise-in-traffic-fatalities.html">distracted driving</a> or even <a href="http://doi.org/10.4103/jfmpc.jfmpc_109_18">taking selfies</a>.</p> <p>But it also takes a serious toll on our mental health, as my own research has demonstrated. <a href="https://doi.org/10.1016/j.paid.2017.03.043">One experiment</a> I conducted with a colleague found that looking at Facebook profiles of people having fun at parties made new college students feel like they didn’t belong. <a href="https://doi.org/10.1177/0146167217727496">Another study</a> suggested that people who spent more time using social media were less happy.</p> <p>Ultimately, our phones’ constant connection to the internet – and our constant connection to our phones – means that we miss out on bonding with those that we care about most, <a href="https://www.hbs.edu/faculty/Publication%20Files/Time,%20Money,%20and%20Subjective%20Well-Being_cb363d54-6410-4049-9cf5-9d7b3bc94bcb.pdf">lowering everyone’s happiness</a> in the process.</p> <p><strong>Trying to unplug</strong></p> <p>The good news is that most of us aren’t oblivious to the negative effects of technology and have a <a href="http://www.pewinternet.org/2018/08/22/how-teens-and-parents-navigate-screen-time-and-device-distractions/">strong desire to disconnect</a>.</p> <p>As you might expect in a market economy, businesses are doing their best to give us what we want. Examples include a Brooklyn-based startup <a href="https://www.inc.com/wanda-thibodeaux/how-this-dumb-phone-is-helping-people-everywhere-kick-smartphone-habit.html">selling bare-bones phones</a> without an internet connection, hotels offering families <a href="https://www.travelandleisure.com/travel-news/wyndham-hotels-discount-smartphone-lock">discounts</a> if they give up their mobiles during their stay, and resorts creating packages built on the idea of creating sacred spaces where consumers <a href="https://www.nextavenue.org/digital-detox-8-places-unplug-and-unwind/">leave their devices at home</a>.</p> <p>And app developers have also risen to the challenge with software aimed at helping us use our phones less.</p> <p><strong>Goal setting is key</strong></p> <p>Apple’s screen-time app is a good first step because it shows you how much time you are spending on apps and websites – and possibly raise some red flags. However, many apps go much further.</p> <p>Research suggests that you should download applications that ask you to set <a href="http://kops.uni-konstanz.de/bitstream/handle/123456789/10101/99Goll_ImpInt.pdf?sequence=1&amp;isAllowed=y">specific goals</a> that are tied to <a href="https://doi.org/10.1073/pnas.1103170108">concrete actions</a>. Making commitments upfront <a href="http://DOI.org/10.1257/jep.25.4.191">can be a powerful motivator</a>, even more so than financial incentives.</p> <p>For example, <a href="https://inthemoment.io/">Moment</a> asks users to set specific technology-limiting goals tied to their daily actions, such as setting up an alert when you pick up the phone during dinner time. <a href="https://play.google.com/store/apps/details?id=co.offtime.kit&amp;hl=en_US">Offtime</a> prompts users with warnings when they are about to exceed the limits for an online activity they’ve set.</p> <p><a href="https://www.flipdapp.co/">Flipd</a> takes it a step further and actually completely blocks certain phone apps once users have exceeded pre-determined targets – even if you try to reset the device – making it the ultimate commitment app. Similarly, <a href="https://getcoldturkey.com/">Cold Turkey Blocker</a> prevents users from accessing literally any other function of their desktop computers for a certain period of time until they have completed self-set goals, like writing. While this might not affect phone use, it could help you be more productive at work.</p> <p><strong>Defaults are your friend</strong></p> <p>Another helpful trait in an application involves configuring default settings to encourage less technology use.</p> <p>In their award-winning book “<a href="https://www.penguinrandomhouse.com/books/304634/nudge-by-richard-h-thaler-and-cass-r-sunstein/9780143115267/">Nudge</a>,” Nobel Prize winner Richard Thaler and Harvard law professor Cass Sunstein showed how adjusting the default for a company’s retirement plan – such as by requiring employees to opt out rather than opt in – <a href="http://www.nber.org/chapters/c4539.pdf">makes it easier</a> to achieve a goal like <a href="https://doi.org/10.1086/380085">saving enough</a> for your golden years.</p> <p>Your phone’s applications can take advantage of that technique as well. <a href="https://freedom.to/">Freedom</a>, for example, is an app that automatically blocks users from visiting “distracting” apps and websites, such as social media and video games. Unfortunately, it is one of the apps that Apple removed from its store.</p> <p><a href="https://www.ransomly.com/">Ransomly</a> alters the default setting of a room – such as the dining room – to be phone and screen free by using a sensor and app to automatically turn off all devices when they’re in the vicinity.</p> <p><strong>Rewards and punishments</strong></p> <p>Offering rewards is another strategy that is grounded in behavioral research.</p> <p>We tend to <a href="https://doi.org/10.1086/374702">highly value rewards earned through effort</a>, even when they have no cash value. Indeed, smartphone software frequently takes advantage of this idea, such as in various apps that offer “badges” for hitting certain daily fitness milestones.</p> <p>Productivity apps incorporate these rewards as well by providing users with points for prizes – such as shopping discounts and yoga experiences – when they meet their screen-time goals. Since static rewards become demotivating over time, choose an application that provides <a href="https://doi.org/10.1086/679418">uncertain and surprising rewards</a>.</p> <p>An even more powerful motivator than earning rewards can be losing them. That’s because research shows that <a href="https://doi.org/10.1257/jep.5.1.193">losing has a larger impact on behavior than winning</a>, so if you’re serious about changing your behavior try an application that incurs critical costs. Examples include <a href="https://www.beeminder.com/">Beeminder</a>, which takes US$5 from your credit card for every goal you don’t meet, and <a href="https://www.forestapp.cc/en/">Forest</a>, which provides you with the chance to grow a beautiful animated tree – or to watch it slowly wither and die – depending on whether or not you meet your technology goals.</p> <p><strong>Persistence pays</strong></p> <p>Persistence is one of the hardest parts of accomplishing any new goal, from losing weight to learning how to cook.</p> <p>Research suggests that capitalizing on <a href="https://doi.org/10.1177/2372732214550405">social motivations</a> – like the need to fit in – can encourage <a href="https://doi.org/10.1001/jama.2016.12858">persistent behavioral change</a>.</p> <p>Constant connection to technology undermines happiness, relationships and productivity. Applications that take advantage of the latest insights from behavioral science can help us disconnect and get on with living our lives.<!-- 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: http://theconversation.com/republishing-guidelines --></p> <p><em>Written by <span>Ashley Whillans, Assistant Professor of Business Administration, Harvard Business School</span>. Republished with permission of </em><a href="https://theconversation.com/our-smartphone-addiction-is-killing-us-can-apps-that-limit-screen-time-offer-a-lifeline-116220"><em>The Conversation</em></a><em>. </em></p>

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Good news for shoppers: Millers, Katies and Rivers given last minute lifeline

<p>Fans of Australian clothing outlets Millers, Katies and Rivers have woken up to some good news this morning, with confirmation fashion retailer Noni B will be purchasing the long-suffering chains from Speciality Fashion Group.</p> <p><a href="https://finance.nine.com.au/" target="_blank"><span style="text-decoration: underline;"><em><strong>9news.com.au reports</strong></em></span></a> the $31 million cash deal will add 823 stores to Noni B’s already busy portfolio of brands including Rockmans, W.Lane and BeMe.</p> <p>Speciality Fashion Group will also lose control of Crossroads and Autograph as part of the deal, but will retail ownership over its last remaining brand, City Chic.</p> <p>Noni B CEO Scott Evans was bullish about the acquisition, saying the five brands had the potential to treble the group’s total annual sales to around $1 billion.</p> <p>"This is another exciting step forward for Noni B Group and represents the acquisition of five well-known and established, iconic Australian brands that are both complementary and highly synergistic to our existing portfolio," said Mr Evans.</p> <p>"With the acquisition of the Specialty Assets, Noni B Group will become one of the pre-eminent woman's apparel retailers in Australia, whilst retaining our solid, focussed market position."</p> <p>The brands purchased by Noni B posted a loss of $6.2 million for the 2017 calendar year, but Mr Evans believes the Noni B Group has the means to turn the brands around.</p> <p>"The businesses we're acquiring are underperforming for a number of reasons. However, we believe our disciplined approach to costs of doing business, combined with our customer focus, will ensure a successful turnaround," said Evans.</p> <p>"One of the key benefits of this merger is that we will be able to quickly achieve a number of savings and efficiencies that we anticipate will result in the acquired portfolio of assets breaking even on an EBITDA basis in FY2019, whilst we work to improve their overall operating performance."</p> <p>Specialty Fashion Group chair Anne McDonald said this deal will give the Group more time to concentrate on developing the City Chic brand.</p> <p>"In a challenging and rapidly changing retail environment, SFH has been successful in building City Chic into a market leader in the attractive plus-size segment of the women's apparel market," said McDonald.</p> <p>"The business has strong cash flow generation and significant future earnings growth potential.</p> <p>"The transaction will provide the funding flexibility, corporate structure and management focus required to realise City Chic's longer term full potential."</p> <p>What are your thoughts?</p>

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