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Predictably, domestic airfares surged after the collapse of Rex. There aren’t many good solutions

<div class="theconversation-article-body"><em><a href="https://theconversation.com/profiles/doug-drury-1277871">Doug Drury</a>, <a href="https://theconversation.com/institutions/cquniversity-australia-2140">CQUniversity Australia</a></em></p> <p>Australia’s airline industry is famously duopolistic. Just two companies – Qantas and Virgin Australia – service 98% of the domestic passenger market. That’s not for a lack of other companies having <a href="https://www.smh.com.au/traveller/travel-news/grounded-five-of-australias-biggest-airline-failures-20221216-h28pzn.html">tried to secure a foothold</a>, over many decades.</p> <p>In 2024 alone, we’ve seen the high-profile collapse of both <a href="https://theconversation.com/what-just-happened-to-bonza-why-new-budget-airlines-always-struggle-in-australia-228995">Bonza</a> and <a href="https://theconversation.com/rex-airlines-future-up-in-the-air-amid-questions-about-viability-of-small-airlines-in-australia-235761">Rex</a>, airlines that once ignited hopes for much greater competition in the sector. Now, we’re beginning to see the predictable effects of their exit.</p> <p>According to a <a href="https://www.accc.gov.au/media-release/domestic-airfares-increase-amid-reduced-airline-competition">quarterly report</a> released on Tuesday by the Australian Competition and Consumer Commission (ACCC), domestic airfares on major city routes increased by 13.3% to September after Rex Airlines halted its capital city services at the end of July.</p> <p>There’s little reason to be optimistic about things changing anytime soon. Australia’s lack of competition means airfares are only likely to remain inflated due to higher demand and lower supply.</p> <h2>How are airfares actually set?</h2> <p>To predict what the market will bear in a given year, airlines use a process called <a href="https://www.sciencedirect.com/science/article/abs/pii/S0969699714000556">revenue management</a>.</p> <p>This involves sophisticated mathematical modelling, incorporating a range of factors – seasonal variations for school breaks, holidays, and major sporting events – to determine both what the airlines can charge per passenger and what the likely impact will be on their bottom line.</p> <p>There are three main expenses that airlines expect every year which fluctuate regularly:</p> <ul> <li>fuel prices</li> <li>aircraft maintenance</li> <li>salaries.</li> </ul> <p>But the Australian market has some unique characteristics. Our options for travelling the vast distances between major cities are very limited – and, if we’re not flying, very time-consuming too.</p> <p>Many of us choose to fly as it provides us more time at our destination for leisure or work, without a massive road trip or train ride. Our airline duopoly is very aware of this, and know we’re willing to pay a premium for convenience.</p> <p>The ACCC found that the price of “best discount economy” tickets on routes Rex had recently departed had <a href="https://www.accc.gov.au/media-release/domestic-airfares-increase-amid-reduced-airline-competition">increased significantly</a> – up 95% between Adelaide and Melbourne, and 54% between Canberra and Melbourne.</p> <p>The report also noted that fuel prices declined by more than 40% in the 12 months to September, which the airlines have not adjusted for in their pricing model.</p> <h2>The best solution’s a long shot</h2> <p>For Australian passengers to pay lower domestic airfares, competition from another airline is the only viable solution. That might seem like a far-fetched proposition for the foreseeable future.</p> <p>Any airline attempting to start up in Australia would need significant financial backing to weather market fluctuations, and a singular focus on flying the airline.</p> <p>There might be some hope on the horizon with a possible new entrant, Koala Airlines, in the press recently, stating its intentions to enter this market and be successful.</p> <p>Many customers may be hoping Koala can excel where Bonza and Rex were unable to. However, its entry remains quite some way off. Koala is still working on attaining an <a href="https://www.casa.gov.au/licences-and-certificates/air-operators">air operators certificate</a> (AOC) from CASA and a fleet of new aircraft.</p> <p>Koala has given few details about its business strategy, except for a promised <a href="https://www.abc.net.au/news/2024-09-29/koala-airlines-to-enter-qantas-virgin-duopoly-four-corners/104405640">cash refund guarantee</a> for passengers, and plans to implement <a href="https://koalaair.com.au/koala-tech/">artificial intelligence</a> to remain viable in the market.</p> <h2>What else can be done?</h2> <p>Can the government do anything to protect new entrants, to support them through the initial startup phase? Part-ownership of any new airline by the government is probably off the cards.</p> <p>Salvaging the competition we have left may be a better strategy. Also on Tuesday, the government announced an <a href="https://www.afr.com/companies/transport/labor-stumps-up-80m-to-keep-failing-airline-rex-afloat-20241112-p5kpu3">$80 million support package</a> to keep Rex’s regional services operational.</p> <p>Much of Rex’s fleet of SAAB 340 aircraft is in need of repair, so this will help somewhat.</p> <p>But such a big spending package is reminiscent of the <a href="https://theconversation.com/government-funding-to-qantas-and-virgin-to-ensure-air-services-on-key-routes-136554">pandemic-era strategies</a> the government will not want to revisit on a grand scale.</p> <h2>Better compliance</h2> <p>Other strategies could focus on ensuring that everyone plays fairly and doesn’t abuse the system to keep market share. The ACCC’s latest report is part of ongoing quarterly reporting, after the Treasurer redirected the ACCC to monitor domestic airfares for another three years in November last year.</p> <p>But other regulatory oversight may have been lacking. <a href="https://www.aap.com.au/news/competition-at-sydney-airport-less-than-we-like/">Speaking</a> before a senate inquiry on Tuesday, Sydney Airport’s Scott Charlton said that until recently, a compliance committee set up to monitor Sydney Airport’s slot system hadn’t met for five years.</p> <p>The government will need to tread carefully. If it wants to provide incentives for new entrants, it will need to do so in a manner that does not appear to be a re-regulation strategy, creating hardships for Qantas and Virgin Australia.</p> <p>Ultimately, appearing to re-regulate the Australian aviation sector is not in line with the government’s long term strategy of keeping the airline market stable through less intervention. <!-- 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/243463/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /><!-- End of code. If you don't see any code above, please get new code from the Advanced tab after you click the republish button. The page counter does not collect any personal data. More info: https://theconversation.com/republishing-guidelines --></p> <p><a href="https://theconversation.com/profiles/doug-drury-1277871"><em>Doug Drury</em></a><em>, Professor/Head of Aviation, <a href="https://theconversation.com/institutions/cquniversity-australia-2140">CQUniversity Australia</a></em></p> <p><em>Image credits: Shutterstock</em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/predictably-domestic-airfares-surged-after-the-collapse-of-rex-there-arent-many-good-solutions-243463">original article</a>.</em></p> </div>

Domestic Travel

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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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Do mobile phones cause brain cancer? Science makes definitive call

<p>The question of whether mobile phones - specifically the electromagnetic radiation or radio waves emitted by these devices - cause cancer has been debated and researched for a long time, and now scientists have made a definitive call. </p> <p>A new comprehensive review commissioned by the World Health Organization has found that mobile phones are NOT linked to brain and head cancers. </p> <p>The systematic review, led by the Australian Radiation Protection and Nuclear Safety Agency (Arpansa), examined over 5,000 studies, which included 63 observational studies on humans published between 1994 and 2022 and is "the most comprehensive review to date" according to review lead author, associate prof Ken Karipidis. </p> <p>“We concluded the evidence does not show a link between mobile phones and brain cancer or other head and neck cancers," he said. </p> <p>The review, which was published on Wednesday, focused on cancers of the nervous system, salivary gland and brain tumours. </p> <p>They found no overall association between mobile phone use and cancer, even if people have used it for a long time (over 10 years) or spend a lot of time on their phones. </p> <p>“I’m quite confident with our conclusion. And what makes us quite confident is … even though mobile phone use has skyrocketed, brain tumour rates have remained stable,” Karipidis continued. </p> <p>Despite emitting electromagnetic radiation, also known as radio waves, the exposure is relatively low. </p> <p>Karipidis said people hear the word radiation and assume it is similar to nuclear radiation, “and because we use a mobile phone close to the head when we’re making calls, there is a lot of concern.”</p> <p>He clarified that “radiation is basically energy that travels from one point to another. There are many different types, for example, ultraviolet radiation from the sun." </p> <p>“We’re always exposed to low-level radio waves in the everyday environment.”</p> <p>While exposure from mobile phones is still low, it is much higher than exposure from any other wireless technology sources since they are used close to the head, Karipidis said. </p> <p>The association between mobile phones and cancers came about from early studies comparing differences between those with and without brain tumours and asking about their exposure history. </p> <p>According to Karipidis, who is also the vice-chair of the International Commission on Non-Ionizing Radiation Protection, the results from these kind of studies tend to be biased, as the group with the tumour tend to overreport their exposure. </p> <p>Based on these early studies WHO’s International Agency for Research on Cancer (IARC) designated radio-frequency fields like those from mobile phones as a possible cancer risk, but Karipidis said "this classification doesn’t mean all that much”.</p> <p>This is because the IARC has different classifications of cancer risk, with some substances classified as  a “definite” carcinogen (such as smoking), and others as “probable” or “possible” carcinogens.</p> <p>Tim Driscoll, a professor at the University of Sydney and chair of the Australian Cancer Council’s occupational and environmental cancers committee, also backed the systematic review. </p> <p>“I think people should feel reassured by this study … but it’s worthwhile just remembering that the studies aren’t perfect, but the weight of evidence certainly is that mobile phones should be considered safe to use in terms of any concerns about increased risk of cancer,” Driscoll said.</p> <p><em>Images: Shutterstock</em></p> <p> </p>

Body

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A bee-autiful new solution for osteoarthritis relief

<p>Living with osteoarthritis can be a daily struggle, marked by pain, stiffness and limited mobility. For the millions of Australians affected each year, finding an effective and safe treatment is crucial – especially one without the unpleasant side effects so common to conventional treatments.</p> <p>That’s where <a href="https://www.raydel.com.au/shop" target="_blank" rel="noopener">Abexol</a> steps in: a new, naturally derived solution that is making waves in the health community thanks to a very surprising ingredient: Beeswax alcohols!</p> <p>Abexol was originally discovered during a study into gastrointestinal issues. Participants in the study not only experienced relief from stomach issues, but also noticed a marked decrease in joint pain. It was this lucky discovery that led researchers to explore Abexol’s dual benefits for joint and gastrointestinal health.</p> <h2>The bee-nefits of Abexol</h2> <p>Recently registered with the Therapeutic Goods Administration (TGA), Abexol is poised to revolutionise the way we approach osteoarthritis management. That’s because traditional treatments often come with a host of gastrointestinal side effects, including nausea, diarrhoea, heartburn and gastritis just to name a few.</p> <p>Abexol, on the other hand, offers a unique solution by protecting the gastrointestinal tract and improving gut health, all while addressing joint pain at the same time – making it a truly holistic approach to such a widespread issue among Aussie seniors.</p> <p>It’s worth noting that a lot of traditional osteoarthritis treatments are also fish-based, such as glucosamine, chondroitin, or fish oils. For people with fish allergies, this is obviously a huge problem. Abexol provides a safe, non-fish-derived alternative, effectively managing arthritis pain and inflammation without the risk of allergic reactions.</p> <p>Abexol is also rich in powerful antioxidants that shield the body’s cells from damage caused by free radicals. These harmful molecules can arise from normal metabolic processes or external sources like pollution and smoking. By neutralising free radicals, antioxidants help reduce the risk of developing chronic diseases.</p> <p><img src="https://oversixtydev.blob.core.windows.net/media/2024/07/RAYDEL-Abexol2_1280.jpg" alt="" width="1280" height="716" /></p> <p>Abexol’s high bioavailability also ensures that the body can absorb it without issue. As the only beeswax-alcohols-based product registered by the TGA for treating mild arthritis and osteoarthritis while supporting stomach health, Abexol could well be the game-changer you have been searching for.</p> <p>According to Sarah Munnik, the Australian Market Access and Development Manager of Abexol, “Beeswax and derivatives of beeswax have been known to have great medicinal benefits, and have been used for hundreds of years across continents such as Africa, South America and Asia.</p> <p>“Ninety per-cent of our customers that have tried Abexol have loved it and have found that it’s either really helped to improve their joint pain and stiffness or supported their digestion and relieved gastric discomfort.”</p> <p>Abexol’s natural composition, lack of side effects and additional gastroprotective benefits clearly make it a standout choice. So embrace the future of osteoarthritis management with Abexol and get ready to step into a life of greater comfort and freedom.</p> <p>For more information, head to <a href="https://www.raydel.com.au/shop" target="_blank" rel="noopener">https://www.raydel.com.au/shop</a> – and don’t forget to take advantage of our special Over60 offer by entering the discount code Over60 for 15% off your purchase!</p> <p><em>Images: Shutterstock | Supplied</em></p> <p><em>This is a sponsored article produced in partnership with Raydel.</em></p>

Body

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How can I stop overthinking everything? A clinical psychologist offers solutions

<p><em><a href="https://theconversation.com/profiles/kirsty-ross-1513078">Kirsty Ross</a>, <a href="https://theconversation.com/institutions/massey-university-806">Massey University</a></em></p> <p>As a clinical psychologist, I often have clients say they are having trouble with thoughts “on a loop” in their head, which they find difficult to manage.</p> <p>While rumination and overthinking are often considered the same thing, they are slightly different (though linked). <a href="https://www.apa.org/monitor/nov05/cycle">Rumination</a> is having thoughts on repeat in our minds. This can lead to overthinking – analysing those thoughts without finding solutions or solving the problem.</p> <p>It’s like a vinyl record playing the same part of the song over and over. With a record, this is usually because of a scratch. Why we overthink is a little more complicated.</p> <h2>We’re on the lookout for threats</h2> <p>Our brains are hardwired to look for threats, to make a plan to address those threats and keep us safe. Those perceived threats may be based on past experiences, or may be the “what ifs” we imagine could happen in the future.</p> <p>Our “what ifs” are usually negative outcomes. These are what we call “<a href="https://ccbhc.org/hot-thoughts-what-are-they-and-how-can-you-handle-them/">hot thoughts</a>” – they bring up a lot of emotion (particularly sadness, worry or anger), which means we can easily get stuck on those thoughts and keep going over them.</p> <p>However, because they are about things that have either already happened or might happen in the future (but are not happening now), we cannot fix the problem, so we keep going over the same thoughts.</p> <h2>Who overthinks?</h2> <p>Most people find themselves in situations at one time or another when they overthink.</p> <p>Some people are <a href="https://www.apa.org/monitor/nov05/cycle">more likely</a> to ruminate. People who have had prior challenges or experienced trauma may have come to expect threats and look for them more than people who have not had adversities.</p> <p>Deep thinkers, people who are prone to anxiety or low mood, and those who are sensitive or feel emotions deeply are also more likely to ruminate and overthink.</p> <p>Also, when we are stressed, our emotions tend to be stronger and last longer, and our thoughts can be less accurate, which means we can get stuck on thoughts more than we would usually.</p> <p>Being run down or physically unwell can also mean our thoughts are <a href="https://healthify.nz/hauora-wellbeing/m/mental-health-and-your-body/">harder to tackle</a> and manage.</p> <h2>Acknowledge your feelings</h2> <p>When thoughts go on repeat, it is helpful to use both emotion-focused and problem-focused <a href="https://link.springer.com/referencework/10.1007/978-1-4419-1005-9">strategies</a>.</p> <p>Being emotion-focused means figuring out how we feel about something and addressing those feelings. For example, we might feel regret, anger or sadness about something that has happened, or worry about something that might happen.</p> <p>Acknowledging those emotions, using self-care techniques and accessing social support to talk about and manage your feelings will be helpful.</p> <p>The second part is being problem-focused. Looking at what you would do differently (if the thoughts are about something from your past) and making a plan for dealing with future possibilities your thoughts are raising.</p> <p>But it is difficult to plan for all eventualities, so this strategy has limited usefulness.</p> <p>What is more helpful is to make a plan for one or two of the more likely possibilities and accept there may be things that happen you haven’t thought of.</p> <h2>Think about why these thoughts are showing up</h2> <p>Our feelings and experiences are information; it is important to ask what this information is telling you and why these thoughts are showing up now.</p> <p>For example, university has just started again. Parents of high school leavers might be lying awake at night (which is when rumination and overthinking is common) worrying about their young person.</p> <p>Knowing how you would respond to some more likely possibilities (such as they will need money, they might be lonely or homesick) might be helpful.</p> <p>But overthinking is also a sign of a new stage in both your lives, and needing to accept less control over your child’s choices and lives, while wanting the best for them. Recognising this means you can also talk about those feelings with others.</p> <h2>Let the thoughts go</h2> <p>A useful way to manage rumination or overthinking is “<a href="https://www.getselfhelp.co.uk/docs/Options.pdf">change, accept, and let go</a>”.</p> <p>Challenge and change aspects of your thoughts where you can. For example, the chance that your young person will run out of money and have no food and starve (overthinking tends to lead to your brain coming up with catastrophic outcomes!) is not likely.</p> <p>You could plan to check in with your child regularly about how they are coping financially and encourage them to access budgeting support from university services.</p> <p>Your thoughts are just ideas. They are not necessarily true or accurate, but when we overthink and have them on repeat, they can start to feel true because they become familiar. Coming up with a more realistic thought can help stop the loop of the unhelpful thought.</p> <p>Accepting your emotions and finding ways to manage those (good self-care, social support, communication with those close to you) will also be helpful. As will accepting that life inevitably involves a lack of complete control over outcomes and possibilities life may throw at us. What we do have control over is our reactions and behaviours.</p> <p>Remember, you have a 100% success rate of getting through challenges up until this point. You might have wanted to do things differently (and can plan to do that) but nevertheless, you coped and got through.</p> <p>So, the last part is letting go of the need to know exactly how things will turn out, and believing in your ability (and sometimes others’) to cope.</p> <h2>What else can you do?</h2> <p>A stressed out and tired brain will be <a href="https://mentalhealth.org.nz/resources/resource/stress-and-how-to-manage-it">more likely</a> to overthink, leading to more stress and creating a cycle that can affect your wellbeing.</p> <p>So it’s important to manage your stress levels by eating and sleeping well, moving your body, doing things you enjoy, seeing people you care about, and doing things that fuel your soul and spirit.</p> <p>Distraction – with pleasurable activities and people who bring you joy – can also get your thoughts off repeat.</p> <p>If you do find overthinking is affecting your life, and your levels of anxiety are rising or your mood is dropping (your sleep, appetite and enjoyment of life and people is being negatively affected), it might be time to talk to someone and get some strategies to manage.</p> <p>When things become too difficult to manage yourself (or with the help of those close to you), a therapist can provide tools that have been proven to be helpful. Some helpful tools to manage worry and your thoughts can also be found <a href="https://www.cci.health.wa.gov.au/Resources/Looking-After-Yourself/Anxiety">here</a>.</p> <p>When you find yourself overthinking, think about why you are having “hot thoughts”, acknowledge your feelings and do some future-focused problem solving. But also accept life can be unpredictable and focus on having faith in your ability to cope. <!-- 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/223973/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/kirsty-ross-1513078"><em>Kirsty Ross</em></a><em>, Associate Professor and Senior Clinical Psychologist, <a href="https://theconversation.com/institutions/massey-university-806">Massey University</a></em></p> <p><em>Image credits: Getty Images </em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/how-can-i-stop-overthinking-everything-a-clinical-psychologist-offers-solutions-223973">original article</a>.</em></p>

Mind

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Worried about price gouging? For banks, there’s a simple solution

<p><em><a href="https://theconversation.com/profiles/peter-martin-682709">Peter Martin</a>, <a href="https://theconversation.com/institutions/crawford-school-of-public-policy-australian-national-university-3292">Crawford School of Public Policy, Australian National University</a></em></p> <p>Does it feel like you’re being charged more for all sorts of things these days, from <a href="https://theconversation.com/supermarkets-airlines-and-power-companies-are-charging-exploitative-prices-despite-reaping-record-profits-222755#:%7E:text=According%20to%20the%20inquiry%2C%20the,dairy%20products%20and%20breakfast%20cereals.&amp;text=Farmers%20recently%20accused%20supermarkets%20of%20making%20too%20much%20profit%20from%20their%20crops.">groceries</a> to <a href="https://theconversation.com/see-when-australias-biggest-banks-stopped-paying-proper-interest-on-your-savings-and-what-you-can-do-about-it-200265">banking</a>? Turns out, you’re right.</p> <p>While we might be more likely to remember prices that go up than prices that go down, the very best evidence – assembled by Australia’s <a href="https://treasury.gov.au/sites/default/files/2023-11/competition-review-mergers-background-note.pdf">Treasury</a>, the federal government’s lead economic adviser – says your suspicions are right. We really are being charged more than we used to be two decades ago.</p> <p>Coupled with the latest profit reports from Australia’s biggest supermarkets and banks, including Tuesday’s half-year results from Coles, it suggests we are contributing more to company profits than we used to.</p> <h2>Climbing price markups</h2> <p>The Treasury estimates show in the 13 years between 2003-04 and 2016-17, the average price markup – the difference between the cost of a product and its selling price – across all Australian industries climbed 6%.</p> <p>That’s extra profit, taken from your wallet, going to the people selling you things.</p> <p>Those Treasury estimates are contained in a background paper prepared for the competition <a href="https://treasury.gov.au/review/competition-review-2023">inquiry</a> being undertaken by a panel including Productivity Commission chair Danielle Wood, former Competition and Consumer Commission chief Rod Sims, and business leader David Gonski.</p> <p>At the same time, the average share of each industry held by its biggest four firms edged up from 41% to 43%.</p> <p>Profit margins are also higher here than in more competitive markets overseas.</p> <p>This is true in banking, where the big four have taken over St George, BankWest, and the Bank of Melbourne – and are about to take over <a href="https://www.accc.gov.au/media-release/australian-competition-tribunal-authorises-anz%E2%80%99s-proposed-acquisition-of-suncorp-bank">Suncorp</a>.</p> <p>It’s also true in supermarkets, where the big two, Woolworths and Coles, have taken over or seen off Franklins, Bi-Lo and Safeway.</p> <h2>Bigger profit margins than overseas</h2> <p>Coles supermarkets reported earnings <a href="https://www.investopedia.com/terms/e/ebitda.asp#:%7E:text=EBITDA%2C%20or%20earnings%20before%20interest,generated%20by%20the%20company's%20operations.">before adjustments</a> of <a href="https://cdn-api.markitdigital.com/apiman-gateway/ASX/asx-research/1.0/file/2924-02777616-3A637432">A$1.73 billion</a> on sales of $19.778 billion in the half year to December – a profit margin of 8.7%.</p> <p>Last week, Woolworths supermarkets reported earnings of <a href="https://cdn-api.markitdigital.com/apiman-gateway/ASX/asx-research/1.0/file/2924-02774826-2A1506104">$2.45 billion</a> on sales of $25.648 billion – a margin of 9.6%.</p> <p>By way of comparison, the dominant UK supermarket group, Sainsbury’s, has a profit margin of <a href="https://stockanalysis.com/quote/lon/SBRY/statistics/">6.13%</a>.</p> <p>In banking, the Commonwealth Bank has just reported a return on equity (profit as a proportion of shareholders’ funds) of <a href="https://cdn-api.markitdigital.com/apiman-gateway/ASX/asx-research/1.0/file/2924-02772167-2A1504649">13.8%</a>. National Australia Bank reported <a href="https://www.nab.com.au/content/dam/nab/documents/reports/corporate/2023-full-year-results.pdf">12.9%</a>.</p> <p>While on a par with the big banks overseas, those recent returns are a good deal higher than CommBank’s <a href="https://www.commbank.com.au/content/dam/commbank-assets/about-us/2021-08/2021-annual-report_spreads.pdf">11.5%</a> and NAB’s <a href="https://www.nab.com.au/content/dam/nab/documents/reports/corporate/2021-full-year-results-management-discussion-and-analysis.pdf">10.7%</a> reported two years ago.</p> <h2>Little hope for groceries</h2> <p>For supermarkets, there’s not a lot the government can do, apart from launching an <a href="https://www.accc.gov.au/inquiries-and-consultations/supermarkets-inquiry-2024-25">inquiry</a>, and perhaps giving Australian authorities the power to <a href="https://www.afr.com/policy/economy/break-up-firms-that-abuse-market-power-says-former-competition-tsar-20230709-p5dmtq">break up</a> firms that abuse their market power.</p> <p>But Prime Minister Anthony Albanese has said he isn’t keen on giving Australian authorities the sort of powers available to authorities in the United States and the United Kingdom, saying (incongruously) Australia is “<a href="https://www.pm.gov.au/media/radio-interview-abc-radio-brisbane-mornings">not the old Soviet Union</a>”.</p> <p>And doing anything short of that would be unlikely to have much effect. Australia’s two supermarket giants have invested a fortune in high-tech <a href="https://theconversation.com/coles-and-woolworths-are-moving-to-robot-warehouses-and-on-demand-labour-as-home-deliveries-soar-166556">warehouses and distribution systems</a>, which new rivals would be hard-pressed to match.</p> <h2>Hope for more competitive banking</h2> <p>But for banks it’s altogether different. Richard Denniss of the Australia Institute has come up with the idea, and it’s a beauty.</p> <p>It’s for the government to provide a low-cost banking service – expanding on services it already offers.</p> <p>The costs would be so low, other banks might decide to add features and resell them in the same way as resellers sell <a href="https://www.whistleout.com.au/MobilePhones/Guides/Telstra-network-coverage-vs-ALDI-Woolworths-Belong-Boost">mobile phone</a> and <a href="https://www.nbnco.com.au/residential/service-providers">NBN</a> services.</p> <p>The primary function of any bank is to provide a numbered account into which Australians can deposit and withdraw funds.</p> <p>The Australian Tax Office does this already, at an incredibly low cost.</p> <p>The tax office gives every working Australian a <a href="https://www.ato.gov.au/individuals-and-families/tax-file-number">tax file number</a>. Employers deposit money into these accounts, and – should the tax office owe a refund – taxpayers withdraw them.</p> <p>Some taxpayers ensure their tax is <a href="https://www.ato.gov.au/businesses-and-organisations/international-tax-for-business/in-detail/income/refund-of-over-withheld-withholding-how-to-apply">overpaid</a>, so they withdraw later.</p> <p>Denniss describes it as a bank account with the world’s clumsiest interface.</p> <h2>The government could offer bank loans</h2> <p>It wouldn’t be much of a stretch from improving that interface to offering government loans.</p> <p>In fact, government loans are already provided in some circumstances: such as to retirees with home equity through the <a href="https://www.dss.gov.au/our-responsibilities/seniors/benefits-payments/home-equity-access-scheme">home equity access scheme</a>, and to Centrelink recipients through <a href="https://www.servicesaustralia.gov.au/centrelink-online-account-help-apply-for-advance-payment">advance payments</a>.</p> <p>It woudn’t be much more of stretch to provide loans more broadly, at an incredibly low administrative cost. The government already lends against the <a href="https://www.servicesaustralia.gov.au/who-can-get-loan-under-home-equity-access-scheme">value of homes</a>.</p> <p>Back in the days when the federal government owned the <a href="https://www.commbank.com.au/about-us/our-company/history.html">Commonwealth Bank</a>, it had to cover the high costs of running bricks and mortar branches.</p> <p>Freed from those costs, the government could now offer a low-cost, technology-enabled basic banking service that would tempt us away from the big four banks – unless they offered better value.</p> <p>Of course it would cost money, although a lot of it has already been spent setting up the system of tax file numbers and accounts. And of course the banks would hate the idea. That would be the point.</p> <p>But doing what we can to stop Australians being overcharged is important, not only for wage earners but also for businesses.</p> <p>The <a href="https://treasury.gov.au/review/competition-review-2023">competition inquiry</a> the government has launched is a good start. It shouldn’t be frightened about where it might lead.<!-- 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/223821/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/peter-martin-682709"><em>Peter Martin</em></a><em>, Visiting Fellow, <a href="https://theconversation.com/institutions/crawford-school-of-public-policy-australian-national-university-3292">Crawford School of Public Policy, Australian National University</a></em></p> <p><em>Image </em><em>credits: Getty Images </em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/worried-about-price-gouging-for-banks-theres-a-simple-solution-223821">original article</a>.</em></p>

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"Stuff youse": Pensioner who's never owned a phone fights mobile detection camera fine

<p>A pensioner from New South Wales has disputed a fine he was issued for using his phone while driving, despite never owning a phone. </p> <p>Frank Singh, 77, was captured on a mobile phone detection camera while driving on the Pacific Motorway last September, and was issued a fine for $362. </p> <p>Mr Singh has refused to pay the fine, claiming that he was holding his wallet when the image was captured. </p> <p>He also claims to have never owned a mobile phone or a computer in his life, wondering how the camera made such a mistake. </p> <p>The senior man decided to appeal and take Revenue NSW to court, despite the risk of paying thousands in legal fees if he lost the case.</p> <p>"Looks like I'm guilty on it, but I'm not," he told <em>A Current Affair</em>. </p> <p>"I thought, what the bloody hell is this all about, I don't own a mobile phone. I've never used a mobile phone. What a load of s***."</p> <p>When questioned what the item could be, he said, "I think it could be my wallet."</p> <p>While Mr Singh admitted he can't specifically remember what he was doing at the time, he believes he was possibly placing his wallet on the passenger seat after paying for fuel. </p> <p>Unfortunately, the review of the fine was rejected and Frank was ordered to pay the $362, but he has not given up. </p> <p>"Then I thought stuff youse, I'm not guilty, I don't own a bloody phone," he said.</p> <p>While preparing to appeal the fine once more, Revenue NSW revoked the fine after issuing a letter to Mr Singh saying he would not be required in court following an investigation by the government body. </p> <p>"We have decided to cancel the fine," the letter read. </p> <p>"You little bloody beauty, how good's that," Mr Singh said on hearing the news, before planning to celebrate the win with a beer at his local pub. </p> <p><em>Image credits: A Current Affair </em></p>

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Bride sparks fury over outrageous catering solution

<p dir="ltr">A bride-to-be has caused outrage online after sharing her unusual catering solution for her wedding day, after admitting she has invited more people to her big day than she can afford to feed. </p> <p dir="ltr">The American bride, who is planning her wedding for October, shared that she has invited 250 of her closest friends and family to her nuptial celebrations, while only being able to afford to cater for 150 people. </p> <p dir="ltr">Posting her predicament in a wedding page on Facebook, she wrote, “Bride here. Seems the most expensive thing is catering.”</p> <p dir="ltr">“To save a little bit of money, we are inviting 250 people, expecting about 200 (to RSVP), and telling the caterers to prepare for 150.”</p> <p dir="ltr">She said that in order to cater for the extra people, she was planning to order fast food from Raising Cane’s: a popular chain of chicken shops across the US. </p> <p dir="ltr">“I suggested maybe getting a tray of chicken to supplement the missing food,” she said.</p> <p dir="ltr">“Is this a terrible idea? Would I get the caterers to serve that chicken also, or just put it to the side and let the people serve the chicken themselves?”</p> <p dir="ltr">Many were stunned by the bride’s catering idea, with one person joking, “Oh, it’s a Hunger Games-themed wedding. Literally.”</p> <p dir="ltr">Another suggested, “If you can’t afford to feed 250 people, move your wedding date to save up enough for your guestlist or invite fewer people — the most reasonable option.”</p> <p dir="ltr">“Do not bring in fast food. The caterer will not, cannot, and should not serve your fast food.”</p> <p dir="ltr">Another person added, “Sucks for the guests, but also real sh***y for the caterer who will get blamed when there’s not enough food for everyone.”</p> <p dir="ltr">“If I come as an invited guest to your wedding and there’s not a plate for me, I am taking my gift back and self-serving all the chicken I can carry.”</p> <p dir="ltr"><em>Image credits: Shutterstock </em></p>

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How to get rid of sciatica pain: solutions from back experts

<p><strong>The scoop on sciatica pain</strong></p> <p>Fun fact: The sciatic nerve is the largest nerve in the human body. It runs from the lower back down each side of your body, along the back of the hips, butt cheeks, and knees, down the back of the calf, and into the foot. It provides both sensory and motor nerve function to the legs and feet.</p> <p>Not-so-fun fact: Sometimes this nerve can get compressed in the spine at one of the roots – where it branches off the spinal cord – and cause pain that radiates down the length of the nerve. This is a dreaded condition known as sciatica. It is estimated that between 10 and 40 percent of people will experience sciatica in their lifetime.</p> <p>“Sciatica is the body telling you the sciatic nerve is unhappy,” says E. Quinn Regan, MD, an orthopaedic surgeon. “When the nerve is compressed at the root, it becomes inflamed, causing symptoms,” Dr Regan says. These symptoms can range from mild to debilitating.</p> <p>While sciatica can often resolve on its own, easing symptoms and feeling better usually requires some attention and careful behaviour modifications. Rarely, you may need more medical intervention to recover fully.</p> <p>Here’s everything you need to know about sciatica, including symptoms, how it’s diagnosed, how it’s treated, and what you can do to prevent it from recurring.</p> <p><strong>Symptoms of sciatica</strong></p> <p>Sciatica is quite literally a pain in the butt. The telltale symptom of sciatica is pain that radiates along the nerve, usually on the outside of the butt cheek and down the back of the leg. It usually only happens on one side of the body at a time. Sciatica doesn’t necessarily cause lower back pain, though it can.</p> <p>Dr Regan says that people with sciatica describe the pain as electric, burning, or stabbing, and in more severe cases, it can also be associated with numbness or weakness in the leg. If sciatica causes significant muscle weakness, to the point of losing function, and/or the pain is so bad you can’t function, it’s time to get immediate help, Dr Regan says.</p> <p>Another symptom that warrants a trip to the ER and immediate medical intervention: bowel or bladder incontinence. “That means there’s a massive compression, and the pressure is so severe it’s harming the nerves that go to the bowel and bladder,” says orthopaedic surgeon Dr Brian A. Cole. This is rare, but when it happens, it’s imperative to decompress the nerve immediately, he says.</p> <p><strong>The main causes of sciatica</strong></p> <p>The most common cause of sciatica is a herniated or slipped disc. A herniated or slipped disc happens when pressure forces one of the discs that cushion each vertebra in the spine to move out of place or rupture. Usually it’s caused when you lift something heavy and hurt your back, or after repetitive bending or twisting of the lower back from a sport or a physically demanding job.</p> <p>Sciatica also can be caused by:</p> <ul> <li>a bone spur (osteophyte), which can form as a result of osteoarthritis</li> <li>narrowing of the spinal canal (spinal stenosis), which happens with normal wear-and-tear of the spine and is more common in people over 60</li> <li>spondylolisthesis, a condition where one of your vertebrae slips out of place</li> <li>a lower back or pelvic muscle spasm or any sort of inflammation that presses on the nerve root</li> </ul> <p>Some people are born with back problems that lead to spinal stenosis at an earlier age. Other potential, yet rare, causes of sciatic nerve compression include tumours and abscesses.</p> <p><strong>Could it be piriformis syndrome?</strong></p> <p>Something known as piriformis syndrome can also cause sciatica-like symptoms, though it is not considered true sciatica. The piriformis is a muscle that runs along the outside of the hip and butt and plays an important role in hip extension and leg rotation.</p> <p>Piriformis syndrome is an overuse injury that’s common in runners, who repetitively strain this muscle, leading to inflammation and irritation. Because the muscle is so close to the sciatic nerve, piriformis syndrome can compress the nerve and cause a similar tingling, radiating pain as sciatica. The difference is that this pain is not caused by compression at the nerve root, but rather, irritation or pressure at some point along the length of the nerve.</p> <p><strong>Sciatica risk factors </strong></p> <p>Anyone can end up with a herniated disc and ultimately sciatica, but some people are more at risk than others. The biggest risk factor is age. “The discs begin to age at about age 30, and when this happens they can develop defects,” Dr Regan says. These defects slowly increase the risk of a disc slipping or rupturing.</p> <p>Men are three times more likely than women to have a herniated disc, Dr Regan says. Being overweight or obese also increases your chance of injuring a disc. A physically demanding job, regular strenuous exercise, osteoarthritis in the spine, and a history of back injury can also increase your risk. Sitting all day doesn’t help either, Dr Cole says. “You put more stress on your back biomechanically sitting than anything else you do.”</p> <p>Certain muscle weaknesses and imbalances can also make you more prone to disc injury and, consequently, sciatica. “People with weak core muscles and instability around the spine might be more prone to this since the muscles need to stabilise the joints of the vertebrae in which the nerves exit,” says Theresa Marko, an orthopaedic physical therapist.</p> <p><strong>How sciatica is diagnosed</strong></p> <p>If your symptoms suggest sciatica, your doctor will do a physical exam to check your strength, reflexes and sensation. A test called a straight leg raise can also test for sciatica, Dr Regan says. How it’s done: Patients lie face up on the floor, legs extended, and the clinician slowly lifts one leg up. At a certain point, it may trigger sciatica symptoms. (The test can also be done sitting down.)</p> <p>Depending on how severe the pain is and how long you’ve had symptoms, doctors may also do some scans (MRI or CT) on your spine to figure out what’s causing the sciatica and how many nerve roots are impacted.</p> <p>Scans can also confirm there isn’t something else mimicking the symptoms of sciatica. Muscle spasms, abscesses, hematomas (a collection of blood outside a blood vessel), tumours and Potts disease (spinal tuberculosis) can all cause similar symptoms.</p> <p><strong>Managing mild to moderate sciatica </strong></p> <p>Resting, avoiding anything that strains your back, icing the area that hurts, and taking nonsteroidal anti-inflammatories (NSAIDs) like ibuprofen and naproxen, are the first-line treatment options for sciatica, Dr Regan says. If you have a physically demanding job that requires you to lift heavy things, taking some time off, if at all possible, will help.</p> <p>While it’s important to avoid activities that might make things worse, you do want to keep moving, says Marko. “Research now advises against bed rest. You want to move without overdoing it.”</p> <p>A physical therapist can help you figure out what movements are safe and beneficial to do. For example, certain motions – squatting, performing a deadlift, or doing anything that involves bending forward at the waist – can be really aggravating. Light spine and hamstring stretching, low-impact activities like biking and swimming, and core work can help. “In general, we need the nerve to calm down a bit and to strengthen the muscles of your spine, pelvis and hips,” Marko says.</p> <p>“Within a week to 10 days, about 80 percent of patients with mild to moderate sciatica are going to be doing much better,” Dr Regan says. Within four to six weeks, you should be able to return to your regular activities – with the caveat that you’ll need to be careful about straining your back to avoid triggering sciatica again.</p> <p><strong>Treating severe sciatica</strong></p> <p>If you’re trying the treatment options for mild to moderate sciatica and your symptoms worsen or just don’t get better, you may need a higher level of treatment.</p> <p>If OTC pain relievers aren’t cutting it, your doctor may prescribe a muscle relaxant like cyclobenzaprine (Flexeril).</p> <p>An epidural steroid injection near the nerve root can reduce inflammation and provide a huge relief for some people with sciatica. The results are varied, and some people may need more than one injection to really feel relief.</p> <p>Surgery is usually a last resort, only considered once all of the conservative and minimally invasive options have been exhausted. Dr Regan notes that a small percentage of people with sciatica end up needing surgery – these are usually patients who have severe enough sciatica that their primary care doctors have referred them to spinal specialists. And only about a third of patients who see spinal specialists may end up having surgery, he says.</p> <p>Surgeries to relieve disc compression are typically quick and done on an outpatient basis, according to Dr Cole.</p> <p><strong>Preventing sciatica in the future</strong></p> <p>“Once you have a back issue, you have a higher chance of having a back issue in the future,” Dr Regan says. Which means that your first bout of sciatica isn’t likely to be your last. It’s important to adopt a healthy lifestyle to reduce the risk of sciatica striking again.</p> <p>Building core strength is key. “Think of your midsection as a box, and you need to target all sides,” Marko says. “By this, I mean abdominals, obliques, diaphragm, pelvic floor, glutes and lateral hip muscles.” These muscles all support the spine, so the stronger they are, the better the spine can handle whatever is thrown its way.</p> <p>If there’s an activity you enjoy that aggravates your back, ditch it for an alternative. For example, running can trigger back pain and sciatica in some people, Dr Regan says. If you’re prone to it, try a new form of cardio that’s gentler on your back, like swimming, biking, or using the elliptical. Even just logging fewer kilometres per week can help reduce your risk.</p> <p>Dr Regan also recommends making sure you learn how to weight train properly. Lifting with the best form possible, learning your limits, and reducing weight when you need to will help keep your back safe from disc injuries.</p> <p>Making small changes to your daily life and workouts can help keep your back healthy and minimise the time you have to waste dealing with sciatica in the future.</p> <p><em>Image credits: Getty Images</em></p> <p><em>This article originally appeared on <a href="https://www.readersdigest.com.au/backtips-advice/how-to-get-rid-of-sciatica-pain-solutions-from-back-experts" target="_blank" rel="noopener">Reader's Digest</a>. </em></p>

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The rental housing crisis is hurting our most vulnerable and demands a range of solutions (but capping rents isn’t one of them)

<p><em><a href="https://theconversation.com/profiles/andrew-beer-111469">Andrew Beer</a>, <a href="https://theconversation.com/institutions/university-of-south-australia-1180">University of South Australia</a> and <a href="https://theconversation.com/profiles/emma-baker-172081">Emma Baker</a>, <a href="https://theconversation.com/institutions/university-of-adelaide-1119">University of Adelaide</a></em></p> <p>Roughly <a href="https://www.abs.gov.au/statistics/people/housing/housing-occupancy-and-costs/2019-20">one in three Australians</a> rent their homes. It’s Australia’s fastest-growing tenure, but renting is increasingly unaffordable. From 2020 to 2022, our <a href="https://papers.ssrn.com/sol3/papers.cfm?abstract_id=4253168">research</a> found a large increase in the proportion of renters who said their housing was unaffordable.</p> <figure class="align-center zoomable"><a href="https://images.theconversation.com/files/542737/original/file-20230815-25187-p7vxqo.png?ixlib=rb-1.1.0&amp;q=45&amp;auto=format&amp;w=1000&amp;fit=clip"><img src="https://images.theconversation.com/files/542737/original/file-20230815-25187-p7vxqo.png?ixlib=rb-1.1.0&amp;q=45&amp;auto=format&amp;w=754&amp;fit=clip" sizes="(min-width: 1466px) 754px, (max-width: 599px) 100vw, (min-width: 600px) 600px, 237px" srcset="https://images.theconversation.com/files/542737/original/file-20230815-25187-p7vxqo.png?ixlib=rb-1.1.0&amp;q=45&amp;auto=format&amp;w=600&amp;h=217&amp;fit=crop&amp;dpr=1 600w, https://images.theconversation.com/files/542737/original/file-20230815-25187-p7vxqo.png?ixlib=rb-1.1.0&amp;q=30&amp;auto=format&amp;w=600&amp;h=217&amp;fit=crop&amp;dpr=2 1200w, https://images.theconversation.com/files/542737/original/file-20230815-25187-p7vxqo.png?ixlib=rb-1.1.0&amp;q=15&amp;auto=format&amp;w=600&amp;h=217&amp;fit=crop&amp;dpr=3 1800w, https://images.theconversation.com/files/542737/original/file-20230815-25187-p7vxqo.png?ixlib=rb-1.1.0&amp;q=45&amp;auto=format&amp;w=754&amp;h=273&amp;fit=crop&amp;dpr=1 754w, https://images.theconversation.com/files/542737/original/file-20230815-25187-p7vxqo.png?ixlib=rb-1.1.0&amp;q=30&amp;auto=format&amp;w=754&amp;h=273&amp;fit=crop&amp;dpr=2 1508w, https://images.theconversation.com/files/542737/original/file-20230815-25187-p7vxqo.png?ixlib=rb-1.1.0&amp;q=15&amp;auto=format&amp;w=754&amp;h=273&amp;fit=crop&amp;dpr=3 2262w" alt="horizontal bar chart showing changes in Australian renters' assessments of affordability form 2020 to 2022" /></a><figcaption><span class="caption">Change in Australian renters’ assessments of affordability from 2020 to 2022.</span> <span class="attribution"><span class="source">Baker, Daniel, Beer, et al, forthcoming, The Australian Housing Conditions Dataset, doi:10.26193/SLCU9J, ADA Dataverse</span></span></figcaption></figure> <p>Australians are concerned about the <a href="https://www.theguardian.com/australia-news/2023/jul/05/rents-rise-again-across-australia-with-sydney-seeing-fastest-rise-in-20-years">pace</a> of <a href="https://www.sbs.com.au/news/article/how-much-has-rent-increased-around-australia/8ljlnf0zm">rent rises</a>. Prime Minister Anthony Albanese <a href="https://www.pm.gov.au/media/national-cabinet-meeting">says</a> increasing housing supply and affordability is the “key priority” for tomorrow’s national cabinet meeting.</p> <p>The crisis has impacts well beyond affordability. The rental sector is where the worst housing accommodates the poorest Australians with the worst health.</p> <h2>The unhealthy state of rental housing</h2> <p>Forthcoming data from the <a href="https://dataverse.ada.edu.au/dataverse/ahcdi">Australian Housing Conditions Dataset</a> highlight some of these parallel challenges:</p> <ul> <li> <p>it’s often insecure – the average lease is less than 12 months, and less than a third of formal rental agreements extend beyond 12 months</p> </li> <li> <p>rental housing quality is often very poor – 45% of renters rate the condition of their dwelling as “average, poor, or very poor”</p> </li> <li> <p>poor housing conditions put the health of renters at risk – 43% report problems with damp or mould, and 35% have difficulty keeping their homes warm in winter or cool in summer</p> </li> <li> <p>compounding these health risks, people with poorer health are over-represented in the rental sector. Renters are almost twice as likely as mortgage holders to have poorer general health.</p> </li> </ul> <p>Measures that potentially restrict the supply of lower-cost rental housing – such as rent caps – will <a href="https://papers.ssrn.com/sol3/papers.cfm?abstract_id=4253168">worsen these impacts</a>. More households will be left searching in a shrinking pool of affordable housing.</p> <h2>It’s all about supply</h2> <p>Fixing the rental crisis needs more than a single focus on private rental housing. The movement between households over time between renting and buying homes means the best solutions are those that boost the supply of affordable housing generally. No one policy can provide all the answers.</p> <p>Governments should be looking at multiple actions, including:</p> <ul> <li> <p>requiring local councils to adopt affordable housing strategies as well as mandating <a href="https://www.ahuri.edu.au/analysis/brief/understanding-inclusionary-zoning">inclusionary zoning</a>, which requires developments to include a proportion of affordable homes</p> </li> <li> <p>improving land supply through better forecasting at the national, state and local levels</p> </li> <li> <p>giving housing and planning ministers the power to deliver affordable housing targets by providing support for demonstration projects, subsidised land to social housing providers and access to surplus land</p> </li> <li> <p>boosting the recruitment and retention of skilled construction workers from both domestic and international sources.</p> </li> </ul> <h2>The biggest landlord subsidy isn’t helping</h2> <p>More than <a href="https://data.gov.au/data/dataset/taxation-statistics-2020-21/resource/ebbd32e3-4556-41e1-a8b9-33387457d518">1 million Australians</a> claim a net rent loss (negative gearing) each year. Even though negative gearing is focused on rental investment losses, it is not strictly a housing policy as it applies to many types of investment.</p> <p>The impact of negative gearing on the housing system is untargeted and largely uncontrolled. As a result, it’s driving outcomes that are sometimes at odds with the need to supply well-located affordable housing.</p> <p>The most impactful action the Australian government could take to deliver more affordable rental housing nationwide would involve refining negative-gearing arrangements to boost the supply of low-income rentals. These measures may involve</p> <ul> <li>limiting negative gearing to dwellings less than ten years old</li> <li>introducing a low-income tax credit scheme similar to the one in the United States.</li> </ul> <p>We can learn much from the US, where the Low-Income Housing Tax Credit (<a href="https://www.huduser.gov/portal/datasets/lihtc.html">LIHTC</a>) scheme subsidises the acquisition, construction and renovation of affordable rental housing for tenants on low to moderate incomes. Since the mid-1990s, the program has supported the construction or renovation of about 110,000 affordable rental units each year. That adds up to over <a href="https://www.taxpolicycenter.org/briefing-book/what-low-income-housing-tax-credit-and-how-does-it-work">2 million units</a> at an estimated annual cost of US$9billion (A$13.8billion).</p> <p>This scheme is much less expensive per unit of affordable housing delivered than Australia’s system of negative gearing.</p> <p>Closer to home, the previous National Rental Affordability Scheme showed the value of targeted financial incentives in encouraging affordable housing. This scheme, available to private and disproved investors, generated positive outcomes for tenants. The benefits included better health for low-income tenants who were able to moved into quality new housing.</p> <p>A <a href="https://cityfutures.ada.unsw.edu.au/documents/81/Next_moves_report.pdf">raft</a> of <a href="https://apo.org.au/node/260431">evaluations</a> have <a href="https://www.ahuri.edu.au/research/final-reports/267">demonstrated</a> the achievements of this scheme.</p> <h2>Crisis calls for lasting solutions</h2> <p>Short-term measures such as rent caps or eviction bans will not provide a solution in the near future or even the medium or long term. Instead, these are likely to worsen both the housing costs and health of low-income tenants.</p> <p>Reform focused on ongoing needs is called for. Solutions that can be implemented quickly include the tighter targeting of negative gearing and the introduction of a low-income housing tax credit.</p> <p>Talking about change, as the national cabinet is doing, will begin that process of transformation, but it must be backed up by a range of measures to boost the supply of affordable housing. This, in turn, will improve the housing market overall as affordable options become more widely available.<!-- 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/211275/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/andrew-beer-111469">Andrew Beer</a>, Executive Dean, UniSA Business, <a href="https://theconversation.com/institutions/university-of-south-australia-1180">University of South Australia</a> and <a href="https://theconversation.com/profiles/emma-baker-172081">Emma Baker</a>, Professor of Housing Research, <a href="https://theconversation.com/institutions/university-of-adelaide-1119">University of Adelaide</a></em></p> <p><em>Image credits: Getty Images</em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/the-rental-housing-crisis-is-hurting-our-most-vulnerable-and-demands-a-range-of-solutions-but-capping-rents-isnt-one-of-them-211275">original article</a>.</em></p>

Real Estate

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Solutions to common cruising problems

<p>Have you ever encountered any of these problems while you were out at sea? Here’s how to solve the most common problems encountered on a cruise.</p> <p><strong>1. You haven’t received your luggage</strong></p> <p>Most cruise lines ask passengers to be patient for the first few hours of the cruise after sailing. If you haven’t received your luggage after a few hours then you need to talk to someone at the purser’s desk. If your luggage was lost in transit then the cruise line will begin to trace their location and try to have them delivered to the ship at the next cruise port. If your luggage was loaded by a porter then it is possible that it is missing because there is a contraband item (like candles or alcohol) in your bag or it has been delivered to the wrong cabin.</p> <p>It’s helpful to carry on a bag with an outfit for your first day on the cruise along with toiletry essentials and medication.</p> <p><strong>2. Something in your cabin doesn’t work</strong></p> <p>The first step is to check with a cabin steward that there is a legitimate problem with the object and that it doesn’t just require a change of batteries. If the object still doesn’t work then call the front desk and notify them of the issue. If the problem can’t be fixed they may offer you a cabin upgrade or a gift like onboard credit. If they don’t offer you anything, be sure to ask!</p> <p><strong>3. You are unhappy with your dinner arrangements</strong></p> <p>If you are unhappy with your assigned dining time then you can request a switch in time slots or swap assigned dining for flexible dining. All dining requests cannot be accommodated, however, due to the high demand, but the staff will do their best to cater to your preferences.</p> <p>If you are not getting along with your tablemates then be upfront with the dinning staff when you request a new table. Often, the other party will also request for other arrangements.</p> <p><strong>4. Your ship had an itinerary change</strong></p> <p>All cruise contracts note that ports calls are not guaranteed and may be bypassed or changed. Usually, passengers will be refunded the port tax in the form of onboard credit, however, it is only a small amount of money. If you book excursions through the cruise line then you will be refunded your money but if you booked an excursion through a different company, you will need to contact them to find out about cancellation policies and refunds. It is always best to do your research in advance when booking a tour so if you do miss a port you won’t be short changed.</p> <p><strong>5. Your ship’s medical facility won’t accept your insurance</strong></p> <p>Cruise ships do not accept regular health insurance but keep your receipts as some insurance companies will reimburse you for medical expenses you incurred while travelling. A safe bet is purchasing a travel insurance policy that will cover any healthcare expenses.</p> <p><strong>6. Your onboard account is inaccurate</strong></p> <p>Incorrect account information can be fixed if you go to the purser’s office or call and explain the discrepancy. It’s best to keep an eye on your account throughout the cruise so you are not hit with any surprises at the end. It is helpful to save your receipts from onboard purchases if you need to contest anything.</p> <p><em>Images: Shutterstock</em></p>

Cruising

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Transgress to impress: why do people tag buildings – and are there any solutions?

<p><em><a href="https://theconversation.com/profiles/flavia-marcello-403040">Flavia Marcello</a>, <a href="https://theconversation.com/institutions/swinburne-university-of-technology-767">Swinburne University of Technology</a></em></p> <p>In 1985 photographer Rennie Ellis <a href="https://trove.nla.gov.au/work/8707788">defined graffiti</a> as “the result of someone’s urge to say something – to comment, inform, entertain, persuade, offend or simply to confirm his or her own existence here on earth”. Since the mid-1980s, graffiti has crossed from vandalism to an accepted form of art practice through large murals or “pieces” and stencil art aimed at informing, entertaining and persuading us.</p> <p>But these are outnumbered by the tags you see everywhere. These stylised icon-type signatures define a hand style and confirm their author’s existence on Earth. These, for many of us, remain an eyesore. If you walk through an urban environment filled with tags, you may feel less safe. Heavily tagged areas can suggest the area is not cared for or surveilled.</p> <p>So why are Australian cities so full of tags? The problem is, the main solution proven to work is expensive. When tags go up, paint over them – and keep doing it. While anti-graffiti paint exists, it’s not widely used at present.</p> <h2>Why do people tag?</h2> <p>Graffiti in urban centres is often tied to the world-wide proliferation of hip-hop culture. Along with DJing, rapping and breakdancing, “Graf” or “writing” is considered one of its <a href="https://www.britannica.com/art/hip-hop">four pillars</a>.</p> <p>Posturing (or showing off) is a big part of tagging. When you see a tag on a freeway overpass or seemingly inaccessible building parapet, it’s not only confirming the tagger’s existence, it’s bragging. See how high I climbed! See what crazy risks I took!</p> <p>As one tagger in Sydney’s outer south-western suburb of Campbelltown <a href="https://www.aic.gov.au/sites/default/files/2020-05/vandalism-graffiti-state-rail-authority-nsw.pdf">told researchers</a> in the 1980s:</p> <blockquote> <p>If you get on a train and see your name and know you’ve been here before that’s real good. Like, I was here. Or you see your mate’s name and you can say, hey, I know him […] It’s really good if you can get your name up in a difficult place where nobody else has. Other kids look at that and think, great!</p> </blockquote> <p>So why do people tag?</p> <ul> <li> <p>it boosts self-esteem and a sense of belonging to a social network, particularly for teens experiencing alienation at school</p> </li> <li> <p>it demonstrates bravado. Risky places have the added advantages of being both highly visible and harder to remove</p> </li> <li> <p>it gives graf artists practice for bigger pieces. You have to work quickly and accurately, especially in precarious positions where you could get caught at any moment.</p> </li> </ul> <p>While cities like Melbourne <a href="https://www.timeout.com/melbourne/art/where-to-find-the-best-street-art-in-melbourne">have embraced</a> larger murals and pieces as street art – even making them a tourist attraction – tagging isn’t regarded the same way.</p> <p>So why do non-taggers hate it? On a broader level, tagging can signify a sense of social degradation which makes people feel less safe.</p> <p>There’s no clear link between <a href="https://www.aic.gov.au/publications/rip/rip6">more graffiti and more crime</a>. Even so, the public perception is that tagging is a sign warning of the presence of <a href="https://www.aic.gov.au/sites/default/files/2020-05/vandalism-graffiti-state-rail-authority-nsw.pdf">disaffected and potentially violent</a> people in gangs.</p> <p>Asked to picture a tagger and you will most likely come up with a stock photo stereotype: a male teenager in a hoodie from a seedy area. But you would not be completely right. It is true just under half (46%) of graffiti damage and related offences are committed by 14 to 16 year old males, but the largest percentage of offenders actually come from <a href="https://www.goodbyegraffiti.wa.gov.au/Schools/Facts-for-Students/Who-are-the-most-likely-offenders-of-graffiti">middle- to high-income families</a>.</p> <p>So what tools do we have to manage it?</p> <h2>Punishment</h2> <p>It’s perfectly legal to commission a graf artist to paint a wall of a building you own. Many people do this to avoid a street-facing wall being tagged. For it to be illegal, tagging or graffiti has to be done without the owner’s permission.</p> <p>Since the majority of taggers are under 18, if they’re caught, punishment will usually include a caution, fines (presumably paid by bemused but cashed up parents) and cleaning off tags.</p> <p>But punitive measures only go so far because the appeal of graffiti is the transgression. Other measures include keeping spray paint locked away or not for sale to under 18s as well as zero-tolerance rapid removal. This can work for a while, but taggers know their tags are temporary. It’s a constant game of cat and mouse a committed tagger will eventually win.</p> <h2>Technical solutions</h2> <p>If you’ve walked past workers scrubbing or pressure washing tags off walls, you may have wondered why there are no coatings which don’t let paint stick.</p> <p>These actually <a href="https://www.ipcm.it/en/article/anti-graffiti-paints-what-are-they-and-how-they-work.aspx">do exist</a>, and can work well. When in place, you can remove graffiti with a solvent rather than having to repaint. But they’re not widely used.</p> <p>Unless paints such as <a href="https://interestingengineering.com/innovation/7-inventions-from-mexico-that-would-go-on-to-change-the-world">Deletum 3000</a> are used everywhere this approach is unlikely to be effective.</p> <h2>Prevention</h2> <p>The problem with punitive and technical measures is the limited reach. The vast majority of unwanted graffiti <a href="https://www.aic.gov.au/publications/rip/rip6">goes unreported</a>. That’s why prevention is becoming more popular.</p> <p>How do you prevent tagging? By making it easier to report. By setting aside areas for taggers and graf artists. By commissioning pieces to deter graffers from illegal modes. And by talking directly to taggers about strategies. But these behaviour change efforts take time.</p> <p>People who hate tagging often believe taggers are motivated by negative emotions such as <a href="https://www.aic.gov.au/publications/rip/rip6">boredom and rebelliousness</a>. For them it’s vandalism, a criminal act associated with gangs, petty crime, broken windows and a less attractive environment to live in.</p> <p>But the truth is, taggers are often motivated by positive emotions. Tagging, for them, brings pride, pleasure, enjoyment and community. That’s why behaviour change approaches can be hard.</p> <h2>So what’s the best way forward?</h2> <p>In the 1990s, many cities declared war on skateboarders, using punishment and installing metal stoppers on well-skated urban areas. But the real solution was simpler: create skate parks.</p> <p>For taggers, the answer may be similar. Give them spaces such as little-used alleyways to practise their art. And for the rest of us, the solution may be to look at tags with different eyes. Not as a sign of crime and the collapse of civilisation, but as a need for validation, for transgression, for community and all the other things you probably wanted when you were a teenager.<!-- 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/205492/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/flavia-marcello-403040">Flavia Marcello</a>, Professor of Design History, <a href="https://theconversation.com/institutions/swinburne-university-of-technology-767">Swinburne University of Technology</a></em></p> <p><em>Image credits: Getty Images</em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/transgress-to-impress-why-do-people-tag-buildings-and-are-there-any-solutions-205492">original article</a>.</em></p>

Art

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Why quick health fixes are never the solution

<p>When it comes to diet and exercise, there are no shortcuts. Weight loss, muscle gain, addressing nutritional deficiencies, lowering of things like cholesterol... none of these things can be done quickly. All efforts must have a cumulative effect to work.</p> <p>We love a "quick fix" because we don't like hard work. When a study breaks the news that, for example, a glass of red wine a day is equivalent to going to the gym, people change their approach to their health without understanding what was actually a very flawed, limited study.</p> <p>But the messages from quick fixes are catchy. "I don't have to go to the gym!", "If I eat this, I'll lose weight in three weeks!", "I can get a six-pack without doing crunches!", and so the beliefs go.</p> <p>Knowledge, hard work and discipline is the only secret to achieving health goals. But that doesn't stop people trying to seek out an easier way.</p> <p>Quick fixes are appealing for many reasons. The world of health is complex and often unclear (and even contradictory). Quick fixes are clear cut. They give you explicit instructions that are easily followed, and they're usually one-dimensional, e.g. "don't eat anything except chicken and broccoli".</p> <p>They also often give you a hint of success early on, which gives you confidence. If you dramatically drop your regular diet for a juice cleanse that is only 25 per cent of your regular calorie intake, of course you're going to lose weight. Until you don't.</p> <p>The unsustainable – and usually unhealthy – nature of quick fixes is that they normally come with a yo-yo effect. You'll lose weight dramatically in the first few weeks but then you'll plateau, and then that weight will pile back on with a vengeance.</p> <p>The yo-yo effect is actually called "weight cycling", and is largely psychological. You embark on a reduced calorie diet and/or energy-intensive exercise regimen that is extreme from the outset, and initially you experience pride and elation over your efforts. The effects of fatigue soon set in and force you back to old ways (and often, backwards) in your health-related endeavours.</p> <p>Any kind of quick fix diet will also slow your metabolism down, because when you cut calories you're also cutting macronutrients. The result? Muscle loss instead of fat loss.</p> <p>This unhelpful quick fix mentality applies to "superfoods" and any kind of "ground-breaking" ingredients (think chia seeds, kale, blackcurrants, nut oils and the like) too. No single food can speed up your progress when it comes to your health goals.</p> <p>We're obsessed with quick fixes because they have a cult value to them. They're based around creating a fear of something – whether it's going to the gym or sugary foods – and telling you that if you follow a certain, easily-prescribed doctrine, you can be free of that fear.</p> <p>As a consumer, scepticism is your greatest tool when thinking about supposedly revolutionary health studies and claims made by so-called experts. When reading about a scientific study that claims a quick fix concerning the miraculous benefits of one type of food, specific exercise activity, or diet, there are a few important things to know.</p> <p>Firstly, that study might be taken from a minute group of subjects (e.g. only 10 people), which doesn't provide reliable evidence. Studies also can use unnaturally high concentrations of a "miracle" ingredient, enabling researchers to produce a desirable result that will get published in journals and mainstream media. A great example in recent times of this has been goji berries, and their purported effect on heart disease prevention.</p> <p>It's also vital to know what many studies are funded by corporations that stand to benefit from those desirable results. You, as a consumer, should be wary of any quick fix backed up by a single scientific source, because that research might have solely been conducted with a view to use it to sell a product.</p> <p>When it comes to health fixes, if it's easy and revolutionary, it's too good to be true. Take to Google with a sceptical eye, and you'll find it's easy to discover how misleading any quick fix can be.</p> <p><em>Image credit: Shutterstock</em></p> <p><em>Written by Lee Suckling. First appeared on <a href="http://www.stuff.co.nz/" target="_blank" rel="noopener"><strong><span style="text-decoration: underline;">Stuff.co.nz.</span></strong></a></em></p>

Body

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How to avoid mobile phone bill horror stories when travelling

<p>"I'm sorry, calls to this number are not allowed, please try again later". This. Again. At 1am standing outside what I thought was our Galway Airbnb, but instead was a popular alley for Irish revellers to relieve themselves. Brilliant.</p> <p>After begging a convenience store manager, borrowing a phone and stealing some local wi-fi, we made it to bed before 3am (one-star rating for the Airbnb host, naturally). Such was the power of the phone company when you're on holiday, I still got pinged far-too-high amounts for calls and data used to attempt a check-in at the Irish abode.</p> <p>A reader recently contacted me wanting to avoid such a conundrum by asking for the best SIM cards available in Europe. Thankfully, EU law has recently shielded travellers from harsh cross-border roaming charges by ruling that providers cannot charge excessively for access to rival networks in fellow EU nations.</p> <p>You'll see the kiosks hawking pre-paid SIM packages at many major airports. If you want the dependability a SIM provides, assess your needs and shop around. </p> <p>Better yet, get to know your smartphone better and use the whole range of mobile apps that will soon make international call and text roaming redundant. Organising hotels, taxis, tours, dinner reservations as well as calling home and making your friends and colleagues jealous with holiday snaps can all be done with a wi-fi connections, which are readily available and far cheaper (if not free).</p> <p><strong>Avoid phone bill shock when you're away</strong></p> <ul> <li>Contact your mobile phone company rep about your destination and length of stay to see what add-ons and spending caps may be best.</li> <li>Only purchase local SIMs if you're in the country more than a week, have an unplanned itinerary or will have no free wi-fi at your accommodation.</li> <li>If you're on a per-day bundle, choose a few days to be on-the-grid and turn off your mobile data on other days.</li> <li>Go wi-fi only, in North American, Asian and European cities it's readily available.</li> <li>Embrace apps like Uber, Gett, WhatsApp, OpenTable and TripAdvisor to book taxis, call home and book restaurants and tours using hotel wi-fi and thus limiting calls.</li> </ul> <p><em>Image credit: Shutterstock</em></p> <p><em>Written by Josh Martin. Republished with permission of <a href="http://www.stuff.co.nz/" target="_blank" rel="noopener"><strong><span style="text-decoration: underline;">Stuff.co.nz</span></strong></a>.</em></p>

Travel Tips

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Tips for safe mobile banking

<p>As we increasingly turn to our mobile devices for online transactions, it’s crucial to keep security in mind. We’ve all misplaced our mobile phone at some stage and the last thing you want is for some random stranger to get direct access to your bank accounts and other personal details.</p> <p><strong>1. Use a strong password –</strong> This goes without saying.While it might not be as critical with your library pass, someone who cracks or guesses your online banking password can drain your account dry. If you memorise just one strong password, make it your online banking password.</p> <p><strong>2. Never store passwords on your smartphone –</strong> Many people still try to hide passwords or PIN numbers within the body of text or phone numbers. However, despite how cleverly you may think you've concealed them, criminals know what to look for and where. It's always best to commit these security details to memory and not record them anywhere. This includes not ticking "save password" on website and applications that offer to remember your login details. Also make sure you limit other personal information. Criminals are interested in more than just your internet banking details. Any kind of personal information can be used to steal your identity, which criminals can then use to apply for credit cards, personal loans, even mortgages.</p> <p><strong>3. Use a password manager –</strong> Okay, in the real world you probably have more than one online financial account. Rather than strain your brain memorising hard-to-crack passwords for each of them, look at enlisting the help of a password manager. There are plenty of apps available and the best ones not only store your passwords securely but also help you work through your collection of passwords and replace weak ones and duplicates.</p> <p><strong>4. Activate smartphone security settings and password protection –</strong> All smartphones have built-in security features such as auto-locking and password protection. While it may seem like a bit of an inconvenience at times, these physical security measures are your first line of defense in keeping your smartphone and your personal details safe. You can also install smartphone security software as well as remote data wiping software if you lose your phone or it gets stolen.</p> <p><strong>5. Connect through your data plan –</strong> If you're banking online on a mobile device, you have a degree of in-built protection available when you turn off wi-fi tethering and bluetooth and connect using your mobile data plan. It's a lot harder for criminals to sniff your mobile data stream than to snag passwords from network traffic. If you’re on wi-fi only use reputable hot spots that are password protected. If you connect to a shared wi-fi hotspot you are completely dependent on the security of the host network.</p> <p><strong>6. Don't be tempted to jailbreak your smartphone –</strong> If you crack the manufacturer's security on your smartphone, you not only make your warranty invalid but you make it much more vulnerable to attacks by cybercriminals.</p> <p><strong>7. Clear your phone when you replace it –</strong> If you sell or discard your smartphone, it's crucial you delete all personal information first. This includes SMS messages, emails, photographs, contact details and internet links. </p> <p><em>Image credit: Shutterstock</em></p>

Money & Banking

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“100 is just a number”: Centenarian’s sweet solution for a long and happy life

<p>When Shirley Goodman reached the milestone age of 100 years old, the last thing on her mind was slowing down. </p> <p>And the centenarian, who lives in Florida, has shared her advice for living a long and happy life - though what she had to say has taken many by surprise.</p> <p>Rather than stressing the importance of getting enough rest and following a strict diet, as we so often hear, Shirley believes her passion for having fun, doing what she enjoys, and eating her share of well-deserved treats to be the secret of her success. </p> <p>As Shirley told <em>Today</em>, “I feel great. 100 is just a number to me.”</p> <p>This is despite the two open-heart surgeries she has undergone - including a bypass, and the installation of a pacemaker and a stent. Shirley also experiences difficulties with her vision and her hearing, but nothing will keep her from embracing life and doing what she loves: dancing.</p> <p>“My legs are still working,” she said. “I’m an optimist. I try to do positive thinking all the time. That’s very important. I have a bracelet that says ‘Positivity’ on it. </p> <p>“I wear it every day and I try to stay positive.”</p> <p>She started dancing when she was just eight years old, even opening up her own dance school at 17. And while she did close down her business after marrying, she never gave it up, following her heart - and her dancing feet - in her free time instead. </p> <p>And in recent years, Shirley has taken that same passion to a whole new realm, establishing herself on the internet as ‘The Dancing Nana’. On Instagram, her family regularly share clips of Shirley dancing, and even participating in some viral internet trends, from doing ‘the floss dance’ to ‘the Tush Push’. </p> <p>It was the latter that propelled her to viral heights in 2019, when a clip surfaced of a then-96-year-old Shirley enjoying herself at her nephew’s wedding reception, outshining the younger guests on the dance floor with her spectacular footwork and twirls. </p> <blockquote class="instagram-media" style="background: #FFF; border: 0; border-radius: 3px; box-shadow: 0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width: 540px; min-width: 326px; padding: 0; width: calc(100% - 2px);" data-instgrm-captioned="" data-instgrm-permalink="https://www.instagram.com/p/BwLLINgB2uX/?utm_source=ig_embed&amp;utm_campaign=loading" data-instgrm-version="14"> <div style="padding: 16px;"> <div style="display: flex; flex-direction: row; align-items: center;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 40px; margin-right: 14px; width: 40px;"> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 100px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 60px;"> </div> </div> </div> <div style="padding: 19% 0;"> </div> <div style="display: block; height: 50px; margin: 0 auto 12px; width: 50px;"> </div> <div style="padding-top: 8px;"> <div style="color: #3897f0; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: 550; line-height: 18px;">View this post on Instagram</div> </div> <div style="padding: 12.5% 0;"> </div> <div style="display: flex; flex-direction: row; margin-bottom: 14px; align-items: center;"> <div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(0px) translateY(7px);"> </div> <div style="background-color: #f4f4f4; height: 12.5px; transform: rotate(-45deg) translateX(3px) translateY(1px); width: 12.5px; flex-grow: 0; margin-right: 14px; margin-left: 2px;"> </div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(9px) translateY(-18px);"> </div> </div> <div style="margin-left: 8px;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 20px; width: 20px;"> </div> <div style="width: 0; height: 0; border-top: 2px solid transparent; border-left: 6px solid #f4f4f4; border-bottom: 2px solid transparent; transform: translateX(16px) translateY(-4px) rotate(30deg);"> </div> </div> <div style="margin-left: auto;"> <div style="width: 0px; border-top: 8px solid #F4F4F4; border-right: 8px solid transparent; transform: translateY(16px);"> </div> <div style="background-color: #f4f4f4; flex-grow: 0; height: 12px; width: 16px; transform: translateY(-4px);"> </div> <div style="width: 0; height: 0; border-top: 8px solid #F4F4F4; border-left: 8px solid transparent; transform: translateY(-4px) translateX(8px);"> </div> </div> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center; margin-bottom: 24px;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 224px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 144px;"> </div> </div> <p style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; line-height: 17px; margin-bottom: 0; margin-top: 8px; overflow: hidden; padding: 8px 0 7px; text-align: center; text-overflow: ellipsis; white-space: nowrap;"><a style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: normal; line-height: 17px; text-decoration: none;" href="https://www.instagram.com/p/BwLLINgB2uX/?utm_source=ig_embed&amp;utm_campaign=loading" target="_blank" rel="noopener">A post shared by The Dancing Nana (@the.dancing.nana)</a></p> </div> </blockquote> <p>“I would advise people,” she told <em>Today</em>, “if they like music at all, to keep it in their lives and don’t just sit home in a rocking chair.”</p> <p>“I attribute [my long life] mostly to two things. One is my family,” she later added, “I have a wonderful, devoted family. </p> <p>“And the jazz, the music down here in Sarasota, and my tap dancing. That’s what keeps me going.”</p> <p>And while Shirley has dabbled in other pursuits, dancing still holds the key to her heart, as nothing else quite took with her, with the 100-year-old confessing that she “wasn’t crazy” about golf, and played tennis until she was 90. </p> <p>“I only walk as far as my mailbox,” she added, “which is about five minutes.” </p> <p>She does, however, enjoy her share of yoga. Every morning, she FaceTimes her daughter for a session, and the two spend some mindful time together from their respective homes in Florida and New York.</p> <p>Another thing Shirley very much enjoys is a sweet treat. And as some longevity experts admitted to <em>Today</em>, many who reach impressive ages like Shirley don’t often focus on their recommended share of vitamins and other ‘healthy’ snacks.</p> <p>“I don’t eat healthy food,” Shirley admitted. “My kids would holler at me … but when I hit 90, they stopped bothering me.”</p> <p>As Shirley’s 71-year-old daughter Joan added, they all just assumed Shirley was going to outlive them, but that “you would not want to write a cookbook based on her nutritional recommendations. I think the secret is to enjoy what you’re eating.”</p> <p>Top of Shirley’s most loved menu is “anything that’s cooked in batter”, or some chocolate and other sweets of the like. She enjoys a piece of chocolate after each of her meals, and views breakfast as the perfect opportunity for a chocolate chip cookie - however, you won’t catch her nibbling on any dark varieties, as milk chocolate with some nuts is what she prefers to reach for. </p> <p>And when it comes to home cooked meals with some vegetables, Shirley isn’t a fan. </p> <p>“I say ‘cook’ is a four letter word, so I don’t cook very much,” said. “I eat very small portions, but I eat everything and anything I like.”</p> <p><em>Images: Instagram</em></p>

Caring

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Plant enthusiast’s simple solution to get rid of pests

<p dir="ltr">A plant enthusiast has come up with an easy way of getting rid of gnats and fruit flies around houseplants for good.</p> <p dir="ltr">Graphic designer Brad Canning created his own bug “trap” using three products, dishwashing liquid, apple cider vinegar and honey.</p> <p dir="ltr">The 29-year-old man, who owns more than 60 indoor plants, mixed the three ingredients in a small bowl and placed it near his houseplants. </p> <p dir="ltr">The method works because fungus gnats and fruit flies are attracted to the sweet smell and taste of apple cider vinegar and honey, once they try to drink it, the sticky dish soap would trap them. </p> <p dir="ltr">“How annoying are these tiny little bugs? They’re flying around because you’ve got a couple of houseplants. Lets get rid of them. It’s pretty straight forward,” Brad said in his <a href="https://7news.com.au/lifestyle/%20bradcanning">TikTok video</a>.</p> <p dir="ltr">He made his DIY solution by combining a couple of tablespoons of apple cider vinegar, a dollop of honey and a splash of dishwashing liquid. Braid said white vinegar will work in lieu of apple cider vinegar. </p> <p dir="ltr">“Give it a little bit of mix," he said.</p> <p dir="ltr">“The gnats will be completely attracted to it. They’ll fly in there and will die,” Brad said, adding: “So this will only help to get rid of adult gnats.”</p> <p dir="ltr">The video went viral with many saying they can’t wait to give the method a go at home while those who tried it said it did in fact work. </p> <p dir="ltr">“I did this and it 100 per cent worked for gnats - took a day or two so be patient,” one said. </p> <p dir="ltr"><em>Image credit: TikTok</em></p>

Home & Garden

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Could mobile phones revolutionise chronic wound treatment?

<p>Australian researchers are developing a contactless, thermal imaging system that uses artificial intelligence to help nurses determine the best way to treat leg ulcers without waiting to see if the wound is going to heal properly.</p> <p>It’s estimated that 450,000 thousand Australians currently live with a chronic wound.</p> <p>Being able to predict early on which wounds will become chronic could improve outcomes by enabling nurses to start specialised therapy as soon as possible. But current techniques rely on physically monitoring the wound area over several weeks.</p> <p>New research from RMIT in Melbourne paired thermal imaging with AI.</p> <p>The software was able to accurately identify unhealing ulcers 78% of the time, and healing ulcers 60% of the time, according to the new study <a href="https://www.nature.com/articles/s41598-022-20835-y" target="_blank" rel="noreferrer noopener">published</a> in <em>Scientific Reports</em>.</p> <p>“Our new work that identifies chronic leg wounds during the first visit is a world-first achievement,” says lead researcher Professor Dinesh Kumar, from RMIT’s School of Engineering.</p> <p>“This means specialised treatment for slow-healing leg ulcers can begin up to four weeks earlier than the current gold standard.”</p> <p><strong>How do you normally assess wound healing?</strong></p> <p>The work builds on <a href="https://www.nature.com/articles/s41598-021-92828-2.epdf?sharing_token=7SIEmbOksKOou2TGQ5qPWdRgN0jAjWel9jnR3ZoTv0NntGTf8gfSMhoDjLAz58SefUeGL0aP2A-0mDVnZaiZTcBjNNpA4cvP9FgK6-aoPzyk4oQ0OSbPh83HNS_AwGDQVMg43K4WmG60QDoQohtsdkaRv70YSxfPg4Dn0qa_CUs%3D" target="_blank" rel="noreferrer noopener">previous research</a> by the same team, which found that this method could be used to predict wound healing by week 3 after initial assessment. But they wanted to know whether healing could be predicted from the first wound assessment only, reducing any delay in treatment.</p> <p>If a wound is healing normally it’s area would reduce by 50% within four weeks, but more than 20% of ulcers don’t heal in this expected trajectory and may need specialist interventions.</p> <p>Venous leg ulcers (VLUs) are the <a href="https://treasury.gov.au/sites/default/files/2022-03/258735_wounds_australia.pdf" target="_blank" rel="noreferrer noopener">most common</a> chronic wound seen in Australia and currently, the gold standard for predicting their healing– conventional digital planimetry – requires physical contact. Regular wound photography is also less accurate because there can be variations between images due to lighting, image quality, and differences in camera angle.</p> <p>But a non-contact method like thermal imaging could overcome this.</p> <p>The thermal profile of wounds changes over the healing trajectory, with higher temperatures signalling potential inflammation or infection and lower temperatures indicating a slower healing rate due to decreased oxygen in the region. So, taking thermal images of wounds can provide important information for predicting how they will heal.</p> <p><strong>What did they do?</strong></p> <p>The study collected VLU data from 56 older participants collected over 12 weeks, including thermal images of their wounds at initial assessment and information on their status at the 12<sup>th</sup> week follow-up.</p> <p>“Our innovation is not sensitive to changes in ambient temperature and light, so it is effective for nurses to use during their regular visits to people’s homes,” says co-author Dr Quoc Cuong Ngo, from RMIT’s School of Engineering.</p> <p>“It is also effective in tropical environments, not just here in Melbourne.”</p> <p>“Clinical care is provided in many different locations, including specialist clinics, general practices and in people’s homes,” says co-author Dr Rajna Ogrin, a Senior Research Fellow at Bolton Clarke Research Institute.</p> <p>“This method provides a quick, objective, non-invasive way to determine the wound-healing potential of chronic leg wounds that can be used by healthcare providers, irrespective of the setting.”</p> <p><strong><strong>So, what’s next?</strong></strong></p> <p>There are a few limitations to this study. First, the number of healed wounds in the dataset was relatively small compared to unhealed wounds, and the study only investigated older people.</p> <p>The authors recommend that “future research should focus on improving the predictive accuracy and customising this method to incorporate this assessment into clinical practice on a wider pool of participants and in a variety of settings.”</p> <p>Kumar says that they are hoping to adapt the method for use with mobile phones.</p> <p>“With the funding we have received from the Medical Research Future Fund, we are now working towards that,” he says. “We are keen to work with prospective partners with different expertise to help us achieve this goal within the next few years.”</p> <p><!-- Start of tracking content syndication. Please do not remove this section as it allows us to keep track of republished articles --></p> <p><img id="cosmos-post-tracker" style="opacity: 0; height: 1px!important; width: 1px!important; border: 0!important; position: absolute!important; z-index: -1!important;" src="https://syndication.cosmosmagazine.com/?id=222978&amp;title=Could+mobile+phones+revolutionise+chronic+wound+treatment%3F" width="1" height="1" /></p> <p><!-- End of tracking content syndication --></p> <div id="contributors"> <p><em><a href="https://cosmosmagazine.com/health/revolutionise-chronic-wounds-treatment/" target="_blank" rel="noopener">This article</a> was originally published on Cosmos Magazine and was written by Imma Perfetto.</em></p> <p><em>Image: RMIT University</em></p> </div>

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