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Refinancing your home later in life – what you need to know

<p>There are many reasons why you may look to refinance your home. The obvious one is to lower mortgage repayments with a better rate. However, other reasons people refinance later in life include:</p> <ul> <li>unlocking equity to invest</li> <li>paying down other debts</li> <li>buying a holiday home</li> <li>funding extended travel</li> <li>launching a new business</li> <li>supporting children with a property deposit</li> </ul> <p>Regardless of why you want to refinance, the points below will help you navigate your options.</p> <p><strong>Changing lenders</strong></p> <p>It may have been a while since you last revisited your mortgage, meaning you may not be aware of current lending options and traps.</p> <p>A common trick lenders use is the so-called “headline rate” to grab your attention. However, this interest rate is typically not what you end up paying. It may only be an introductory rate for the first few months, or hefty fees attached may wipe out any savings.</p> <p>Banks aren’t the only ones offering loans nowadays. Registered non-bank lenders, fintechs and online lenders can refinance your mortgage and provide other credit services the same as any bank; they just don’t take cash deposits. Alternatively, you could explore credit unions and mutual societies.</p> <p>Also consider any shareholder benefits you may have. Most banks have done away with them now but may still honour pre-existing ones. If you change lenders, you could lose this entitlement – permanently.</p> <p><strong>Reverse mortgages</strong></p> <p>Generally, only available to people aged 60-plus, a reverse mortgage effectively allows you to unlock equity in your home without you needing to make immediate repayments.</p> <p>However, they often have strict conditions including:</p> <ul> <li>minimum borrowing amounts</li> <li>maximum borrowing ratios</li> <li>higher interest rates than standard mortgages</li> </ul> <p>Crucially, the interest accrues over time and is repaid when you sell, move or pass away. As such, your debt liability grows over time – potentially impacting your future living arrangements and how much is left for beneficiaries in your will.  The Govt has the “loan equity scheme” as another option to lenders.  I just want to highlight the need to be careful with reverse mortgages.</p> <p><strong>Changing homes</strong></p> <p>Rather than selling, downsizing could involve making an investment property your primary residence and then renting out your existing home.</p> <p>This approach may require you to refinance both loans simultaneously. There will also be tax considerations to work through – including Capital Gains Tax liabilities when you do sell, negative gearing, depreciation, and changes to your income tax.</p> <p>Then there are the lifestyle factors to weigh up, especially if you are moving to a different area:</p> <ul> <li>living expenses</li> <li>insurance and travel costs</li> <li>access to healthcare</li> <li>rental income</li> <li>property management expenses</li> </ul> <p>Remember that if you have a Self Managed Super Fund (SMSF), it CANNOT own any property that you directly use yourself, including your home.</p> <p><strong>Becoming Bank of Mum and Dad</strong></p> <p>Refinancing can unlock equity to support adult children with their first property deposit. However, it isn’t without its risks.</p> <p>Ask yourself honestly:</p> <ul> <li>Will this be a gift or loan?</li> <li>If a loan, under what terms? Will interest be applied? How and when will repayments be made? What if they default?</li> <li>What happens if their relationship breaks down, will you get your money back?</li> <li>How does going without that money affect your retirement?</li> <li>Do you have alternative assets to support you if your circumstances change?</li> <li>How does this affect inheritances or deposit contributions to your other children?</li> <li>Can you assist them another way without using your home equity?</li> </ul> <p>Draw up a written agreement outlining all conditions and scenarios to avoid disagreements in the future.</p> <p><strong>Pension impacts</strong></p> <p>Don’t overlook how refinancing your home could impact your pension. While your home is exempt from the means test, any income or assets you generate from unlocking equity is not.</p> <p>You could inadvertently see your pension amount reduced or your eligibility voided altogether. This would come as a nasty shock if you haven’t pre-budgeted for such a change!</p> <p><strong>Getting advice</strong></p> <p>To ensure you get the best bang for your buck when refinancing, be sure to enlist the help of a good:</p> <ul> <li>mortgage broker to source the best loans for your circumstances</li> <li>insurance broker to ensure your cover is right sized for your needs, risk and budget</li> <li>accountant to work through any tax implications</li> <li>estate planner to manage any changes</li> <li>financial adviser to keep your investments and financial strategy working for you</li> </ul> <p>Ultimately, decisions – including about refinancing – are only as good the information you have at hand. So, make sure you have all the relevant facts before signing on the dotted line.</p> <p><em><span style="line-height: 18.4px; font-family: Calibri, sans-serif; color: #242424;">Helen Baker is a licensed Australian financial adviser and author of the new book, Money For Life: How to build financial security from firm foundations (Major Street Publishing $32.99). Helen is among the 1% of financial planners who hold a master’s degree in the field. Proceeds from book sales are donated to charities supporting disadvantaged women and children. Find out more at </span><a style="color: #467886;" title="http://www.onyourowntwofeet.com.au/" href="http://www.onyourowntwofeet.com.au/"><span style="line-height: 18.4px; font-family: Calibri, sans-serif;">www.onyourowntwofeet.com.au</span></a></em></p> <p><em><span style="line-height: 18.4px; font-family: Calibri, sans-serif; color: #242424;">Disclaimer: The information in this article is of a general nature only and does not constitute personal financial or product advice. Any opinions or views expressed are those of the authors and do not represent those of people, institutions or organisations the owner may be associated with in a professional or personal capacity unless explicitly stated. Helen Baker is an authorised representative of BPW Partners Pty Ltd AFSL 548754.</span></em></p>

Money & Banking

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66-year-old woman reveals why she just gave birth to her 10th child

<p>In a remarkable turn of events, 66-year-old Alexandra Hildebrandt gave birth to her 10th child, a healthy baby boy named Philipp, on March 19 at Charité Hospital in Berlin. The birth, carried out via cesarean section, saw Philipp weighing in at 7 pounds, 13 ounces.</p> <p>Hildebrandt, a well-known human rights activist and the director of Berlin’s Checkpoint Charlie Museum, insists that she conceived naturally, without the aid of fertility drugs, and faced no difficulties during the process.</p> <p>Baby Philipp joins an already large and diverse family, including siblings Svitlana (46), Artiom (36), Elisabeth (12), Maximilian (12), Alexandra (10), Leopold (8), Anna (7), Maria (4), and Katharina (2). Remarkably, eight of these children were born after Hildebrandt turned 53, all during her second marriage to former CDU politician Daniel Dormann.</p> <p>For Hildebrandt, having a big family is both fulfilling and fundamental. “A big family is not only something wonderful, but above all, it is important for raising children properly,” she told <em>The Today Show</em>. Despite her age, she has received only positive feedback from friends and family regarding her pregnancy and childbirth.</p> <p>Dr Wolfgang Henrich, Hildebrandt’s OB/GYN, described her pregnancy as “largely uncomplicated”. However, medical experts caution that pregnancies at such an advanced age come with significant risks. Dr Brian Levine, a fertility specialist based in New York City, notes that the biological likelihood of a woman conceiving naturally at 66 is extremely low. Additionally, the risks of hypertension, gestational diabetes, preterm labor and chromosomal abnormalities like Down syndrome rise significantly with age.</p> <p>Hildebrandt is not alone in making headlines for late-life motherhood. In 2023, 70-year-old Safina Namukwaya from Uganda gave birth to twins via in vitro fertilisation using donor eggs and her husband’s sperm. Despite concerns about her age, Namukwaya expressed joy at her newfound motherhood, saying that age should not be a barrier to having children.</p> <p>As for Hildebrandt, she credits her lifestyle for her ability to conceive and carry a child at her age. “I eat very healthily, swim regularly for an hour, walk for two hours,” she shared in an interview with <em>Bild</em>. She also noted that she has never smoked, consumed alcohol or used contraceptives.</p> <p><em>Images: The Today Show</em></p>

Family & Pets

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"No sympathy": 26-year-old roasted over massive tax bill complaint

<p>It’s a classic tale of riches to tax brackets – OnlyFans creator Talia Batiste, 26, has found herself in the fiery depths of an Australian Tax Office reckoning, and the internet has wasted no time serving up a heaping plate of zero sympathy.</p> <p>Batiste, who revealed that she’s been hit with a tax bill totalling $71,008.45 (yes, she included the cents for maximum devastation), took to social media to lament her financial woes.</p> <p>“For everyone that likes to make sure I’m paying my tax. I’m going to go and cry myself to sleep now,” she wrote, presumably while clutching her silk pillow stuffed with $100 bills.</p> <p>The internet’s reaction? Less “thoughts and prayers”, more “play stupid games, win inevitable government-mandated financial responsibilities”.</p> <p>“Absolutely robbery,” one concerned citizen commented, clearly distressed by the idea of anyone having to contribute to society.</p> <p>“To pay that much tax, you earn a sh**load. No sympathy,” another user shot back, presumably while furiously entering their own lacklustre income into a tax return calculator.</p> <p>Some were more pragmatic, offering sage financial wisdom. “I hope you have a good accountant to get you those tax deductions,” someone advised, the unspoken message being: “There’s still hope, young one.”</p> <p>While many scoffed at the idea of crying over a salary that most people only see on TV shows where billionaires buy entire islands for sport, Batiste remained defiant.</p> <p><a href="https://www.news.com.au/finance/economy/cry-myself-to-sleep-26yearold-in-tears-over-giant-tax-bill/news-story/7adfcb10f0ea62a1749f4dc6c1b65934" target="_blank" rel="noopener">Speaking to news.com.au</a>, she admitted that the bill “wasn’t too bad” compared to the tax nightmares of yesteryear. (Yes, it turns out paying taxes gets easier when you know they’re coming. Who knew?)</p> <p>Batiste revealed that an early accounting blunder had initially classified her as a sole trader rather than a business, making her tax situation about as pleasant as a surprise phone call from the ATO.</p> <p>“So when I make $400,000+ a year, it looks like that is my personal income rather than money going back into a business,” she explained, finally unlocking the ancient wisdom of self-employment taxation. Now, with proper financial advice in place, she says she takes a modest salary while the rest of her earnings go into business expenses – like, presumably, funding the tissue budget for her post-tax breakdowns.</p> <p>Despite her newfound tax strategy, Batiste insists that the process “never gets easier”. (Except for last year, when she owed a whopping $136k, making this year’s bill look like pocket change by comparison.)</p> <p>She also had some words about Australia’s taxation system: “Everybody pays too much tax.”</p> <p>Yes, much like death and bad reality TV spin-offs, taxation is inevitable. But Batiste isn’t letting it get her down – at least, not too much. Even though she says she’s “prepared” for these bills now, that doesn’t mean she enjoys sending her hard-earned money into the great abyss of government spending.</p> <p>“Hitting send on that ATO payment hurts every time,” she said.</p> <p>Meanwhile, taxpayers earning a fraction of her income simply sighed, checked their bank balances, and went back to their regularly scheduled programming: budgeting how to afford avocados and rent in the same month.</p> <p><em>Images: TikTok</em></p>

Money & Banking

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Hilarious gift for Home and Away icon after her final scene

<p>After an incredible 33-year run on <em>Home and Away</em>, beloved actress Lynne McGranger has filmed her final scene, marking the end of an era for both the show and its devoted fans. Portraying the iconic Irene Roberts, McGranger’s departure is a moment of celebration and nostalgia for the Australian TV industry.</p> <p>McGranger wrapped up her last scene on the legendary Pier Diner set at Seven’s Eveleigh Studios in Sydney on Wednesday. The emotional moment was met with cheers and heartfelt applause as the cast and crew gathered to witness the final take for the longest-serving female cast member in the show’s history.</p> <p>Producer Lucy Addario led the tributes, presenting McGranger with a bouquet of flowers on behalf of the <em>Home and Away</em> production team. Adding a touch of humour and nostalgia, she was also gifted the famous “Hamburger Phone” – a prop synonymous with the Diner – as a token of appreciation for her unforgettable contribution to the show.</p> <p>Grateful and emotional, McGranger reflected on her incredible journey. “I’ve had the ride of my life. And I love each and every one of you so much: The cast – Ray, Georgie, Emily, Shane, Ada, James, all the youngins,” she said. “The art department, the writers, everybody – there’s so many unsung heroes. This show is made up of so many parts. You’re all amazing, and it’s been my great privilege to work with each and every one of you. I’m touched, I’m humbled, and I’m so honoured. Thank you so much.”</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/reel/DHp-tuUCy-h/?utm_source=ig_embed&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/reel/DHp-tuUCy-h/?utm_source=ig_embed&utm_campaign=loading" target="_blank" rel="noopener">A post shared by 7NEWS Sydney (@7newssyd)</a></p> </div> </blockquote> <p>Though McGranger’s time on set has concluded, her character’s exit storyline promises to keep viewers captivated for months to come. Since her debut in January 1993, Irene has been a cornerstone of Summer Bay, known for her toughness, sharp wit and heart of gold. A recovered alcoholic who turned her life around, Irene’s journey has seen her take in numerous foster children and face some of the show’s most dramatic storylines, from battling breast cancer to surviving bomb explosions and plane crashes.</p> <p>Throughout the years, Irene’s signature catchphrases – “girly”, “darl”, and “flippin’ heck!” – have cemented her place in Australian pop culture. In 2023, <em>TV WEEK</em> even ranked her the second Greatest Australian TV Character Of All Time, a testament to McGranger’s unforgettable performance <span style="font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Oxygen, Ubuntu, Cantarell, 'Open Sans', 'Helvetica Neue', sans-serif;">(Alf was No.1, in case you're wondering)</span><span style="font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Oxygen, Ubuntu, Cantarell, 'Open Sans', 'Helvetica Neue', sans-serif;">.</span></p> <p>Even as fans prepare to say goodbye to Irene Roberts over the coming months, McGranger’s legacy will live on in the hearts of <em>Home and Away</em> viewers. Her unmistakable charm has left an indelible mark on the show, and she will always be remembered as a true Summer Bay icon.</p> <p><em>Images: Network 7</em></p>

TV

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Shock after baseball champion's 14-year-old son dies while on family holiday

<p>The baseball world is grieving alongside former New York Yankees outfielder Brett Gardner and his family after the tragic and unexpected passing of his 14-year-old son, Miller.</p> <p>Miller Gardner died in his sleep on Friday, March 21, while on holiday with his family. According to a statement released by Brett and his wife, Jessica, through the Yankees organisation, Miller had fallen ill during the trip along with several relatives. The family did not disclose further details about the nature of the illness or their location at the time.</p> <p>“We have so many questions and so few answers at this point,” the grieving parents shared. “Miller was a beloved son and brother, and we cannot yet comprehend our life without his infectious smile.”</p> <p>Brett and Jessica, who also share an older son, Hunter, requested privacy as they mourn and seek healing. They described Miller as a vibrant and adventurous young boy who had a passion for football, baseball, golf, hunting and fishing.</p> <p>“He lived life to the fullest every single day,” they wrote, adding their gratitude to those who have offered condolences and support. They also extended their thoughts to other families who have suffered similar losses, saying, “We share their grief.”</p> <p>The Yankees, where Brett Gardner spent his entire 14-season Major League Baseball career, also released a heartfelt statement. They described Miller as having “a spark in his eyes, an outgoing and feisty personality, and a warm and loving nature.”</p> <p>“Words feel insignificant and insufficient in trying to describe such an unimaginable loss,” the team shared on social media. “It wasn’t just Brett who literally grew up in this organisation for more than 17 years – so did his wife, Jessica, and their two boys, Hunter and Miller.”</p> <blockquote class="twitter-tweet"> <p dir="ltr" lang="en">Statement from Brett and Jessica Gardner: </p> <p>With heavy hearts we are saddened to announce the passing of our youngest son, Miller. He was 14 years old and has left us far too soon after falling ill along with several other family members while on vacation. We have so many… <a href="https://t.co/lBCBVmKGUe">pic.twitter.com/lBCBVmKGUe</a></p> <p>— New York Yankees (@Yankees) <a href="https://twitter.com/Yankees/status/1903854341737386272?ref_src=twsrc%5Etfw">March 23, 2025</a></p></blockquote> <p>Brett Gardner, now 41, was a key part of the Yankees’ 2009 World Series-winning team and became a fan favourite for his grit and dedication to the game. </p> <p>Messages of love and prayers continue to pour in, a testament to the impact Miller had on those who knew him and to the deep respect held for Brett and his family.</p> <p><em>Images: X (formerly Twitter)</em></p>

Caring

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Why do I grieve my childhood home so much now we’ve sold it?

<div class="theconversation-article-body"> <p>Grief can hit us in powerful and unanticipated ways. You might expect to grieve a person, a pet or even a former version of yourself – but many people are surprised by the depth of sad yearning they can feel after selling the childhood home.</p> <p>In fact, it is <a href="https://link.springer.com/article/10.1007/s10615-018-0682-5">normal to grieve a place</a>. And this grief can be especially profound if it coincides with a parent dying or moving into residential aged care, leading to the sale of their house.</p> <p>Grief is the response to the loss of anything to which we have an emotional connection. A <a href="https://link.springer.com/article/10.1007/s10615-018-0682-5">growing body</a> of <a href="https://www.taylorfrancis.com/books/mono/10.4324/9780203860731/counting-losses-darcy-harris">research</a> is looking at how grief can extend to “non-person” losses such as infertility, loss of religion and, yes, the loss of a former home.</p> <h2>Why would someone grieve a house?</h2> <p>The childhood home can be an important place for many of us. It literally housed our formative development, family bonds, and core memories. Hopefully, the childhood home is where we learned about safety, security and love.</p> <p>It was likely surrounded by our neighbourhood, and close to important places such as school, playgrounds and friends’ houses. It is no wonder we grieve it when it’s gone.</p> <p>It’s normal to <a href="https://www.taylorfrancis.com/chapters/edit/10.4324/9781315126197-20/grieving-lost-home-marc-fried">grieve things we can’t see and touch</a> but are real and valued. Just as a <a href="https://doi.org/10.1002/pon.70031">serious diagnosis might trigger</a> grief for an imagined future for yourself, or an <a href="https://doi.org/10.1177/1049732314538550">identity</a> you once cherished, loss of a childhood home can hit us harder than we think.</p> <p>When you sell a once-beloved home, you don’t just lose the physical space. You also lose all of what that space might represent, such as birthday celebrations, Christmas lunches, sleepovers with friends or many happy hours playing in the garden.</p> <p>The childhood home often is a symbol of family connection and an anchor in the storm of life. Thinking of the home and all it represents can elicit nostalgia. In fact, the word “nostalgia” <a href="https://www.bps.org.uk/psychologist/nostalgia-cowbells-meaning-life">derives from the Greek</a> words <em>nostos</em> (return) and <em>algos</em> (pain). The word is rooted in the pain we often feel being away from home.</p> <p>And just as siblings are unique – each with different memories of and connections to their childhood home – their responses to its sale can differ markedly. It is normal if your sister or brother grieves the home in a different way to you – or maybe doesn’t even seem to grieve its loss at all.</p> <h2>A complicated grief</h2> <p>When a childhood home is sold because of the death of parents, the feelings of loss about the home are closely linked. The home being sold can be a type of secondary loss that sits in the periphery to the primary loss of parents.</p> <p>Grieving the deaths might, at first, take precedence over the loss of the home.</p> <p>It might only be later that the loss of the home and all it represents becomes apparent. Because the home provides a connection to the deceased person, the loss of the home might add another layer of grief about your parents. Perhaps you find that whenever you recall memories of mum or dad, they seem always to be at the house.</p> <p>It’s also normal if you feel immense <a href="https://link.springer.com/article/10.1007/s10615-018-0682-5">guilt</a> about grieving the home. People might chastise themselves for worrying about “silly things” and not grieving “enough” about the person who died. <a href="https://www.agingcare.com/questions/how-do-i-deal-with-the-guilt-of-selling-moms-house-481550.htm">Guilt about selling the home</a> can also be common.</p> <p>Not everyone has positive memories of their childhood home. Difficult family dynamics, maltreatment and abuse can complicate the emotional connection to childhood spaces and the grief response to their loss.</p> <p>In such cases, the loss of the childhood home can elicit grief about the loss of the childhood that could have – and should have – been. The loss of a home that was the site of discord can be even more challenging than for people with more idyllic childhood experiences.</p> <h2>How can I cope with this loss?</h2> <p>Grief from the loss of a childhood home is <a href="https://link.springer.com/article/10.1007/s10615-018-0682-5">real and valid</a>. We should recognise this and be kind to ourselves and others experiencing it. We shouldn’t minimise the loss or make fun of it.</p> <p>Usually, the loss is anticipated, and this allows you to take photos, furniture or mementos from the home or garden before you leave or sell.</p> <p>Grief researchers call these “<a href="https://www.sciencedirect.com/science/article/pii/S0010440X20300031">transitional</a> <a href="https://www.tandfonline.com/doi/abs/10.1080/13576270412331329812">objects</a>”. They may help you maintain a connection to what is lost, while still grieving the place.</p> <p><a href="https://link.springer.com/article/10.1007/s10615-018-0682-5">Social support</a> while grieving is important. Some people share memories and photos of the home with their siblings, or derive comfort from driving by the home.</p> <p>Just be prepared for the possibility it will likely change as the new owners adapt it to their needs. You might feel affronted, but hopefully can eventually accept the property now belongs to someone else.</p> <p>Chat to your doctor if the loss is particularly difficult, and your grief doesn’t change and subside over time. They might be able to recommend a psychologist who specialises in grief.</p> <p><em>If this article has raised issues for you, or if you’re concerned about someone you know, call Lifeline on 13 11 14.</em><!-- Below is The Conversation's page counter tag. Please DO NOT REMOVE. --><img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/251058/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>By <a href="https://theconversation.com/profiles/lauren-breen-1142446">Lauren Breen</a>, Professor of Psychology, <a href="https://theconversation.com/institutions/curtin-university-873">Curtin University</a></em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/why-do-i-grieve-my-childhood-home-so-much-now-weve-sold-it-and-what-can-i-do-about-it-251058">original article</a>.</em></p> <p><em>Image: </em><em>RDNE Stock project/Pexels</em></p> </div>

Home & Garden

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A decade in the making: Jamie Durie finally unveils dream home

<p>After a decade of meticulous planning, popular TV host Jamie Durie has finally revealed his dream home, a breathtaking sustainable property on Sydney’s Northern Beaches.</p> <p>The Seven Network presenter took to Instagram to share an album of images showcasing the eco-friendly sanctuary he built for his family. "Grateful. 10 years of planning, 2 years of construction and we’re finally back home," Durie, 54, captioned the post.</p> <p>The luxurious and environmentally conscious home is now the residence of Durie, his fiancée Ameka Jane, and their two children: three-year-old daughter Beau and one-year-old son Nash.</p> <p>The entire process of planning and construction has been chronicled on Durie’s latest TV venture, <em>Growing Home With Jamie Durie</em>, airing on Seven.</p> <p>"It’s been a lifelong dream of mine to build an off-the-grid house," Durie told <em>Woman’s Day</em> in November. "Ten years ago, I sketched the house. We lodged the plans five years ago, and then the last two years have been dedicated to construction."</p> <p>Durie said that the journey to completion was anything but smooth. "I don’t think poor Ameka had any idea what she was signing up for when we met. But she came up with a number of ideas that added a lot of value to it."</p> <p>He also admitted that building the house tested the family in a variety of ways. "Any family out there who’s building their own house will go through the same as what we’ve gone through," he said. "Huge budget blowouts, rising interest rates, massive construction costs that are constantly going up. We’ve had to go back to the bank four times." </p> <p>Despite the hurdles, Durie and Jane remained committed to using innovative eco-friendly features wherever they could. "We challenged ourselves with new eco-initiatives that not many people would ever dream of trying, or may not even know about," he said, before describing the experience as "the toughest project I have ever taken on in my whole life".</p> <p>Following Durie’s Instagram reveal, a wave of celebrity friends flooded the comments section with praise for the spectacular home. <em>The Morning Show</em>’s Larry Emdur wrote, "Mate!!! Just wow";fFormer Bachelor star Anna Heinrich called it "incredible"; while TV personality Sally Obermeder simply stated, "WOW". </p> <p>Comedian Dave Hughes was equally impressed, writing, "That’s proper wow. My god." <em>Getaway</em> host Catriona Rowntree described the home as "bloomin’ gorgeous".</p> <p><em>Images: Instagram</em></p>

Real Estate

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Tragic cause of death of 6-year-old Airlie Montgomery revealed

<p>The tragic cause of death of six-year-old Airlie Montgomery, who went missing on Sunday afternoon, has been revealed, with authorities believing she likely died from "misadventure" after a desperate search ended in heartbreak.</p> <p>Airlie, who was autistic and non-verbal, was found in the Shoalhaven River at the base of a nature reserve near The Grotto, a popular cliff-top hiking trail on the New South Wales south coast in North Nowra. She had wandered away from her family home earlier that afternoon, prompting an urgent search effort that concluded when her body was discovered just after 6pm.</p> <p>NSW Police have stated that there are no suspicious circumstances surrounding Airlie’s death, and it is being treated as an unfortunate accident. Her tragic loss has left the local community devastated, with Shoalhaven Mayor Patricia White describing Nowra as a “town in mourning”.</p> <p>“Words cannot describe how horrible this is,” Mayor White told <em>The Daily Telegraph</em>. “It’s an absolute tragedy.”</p> <p>Neighbours and community members, many of whom participated in the frantic search for Airlie, are struggling to come to terms with the heartbreaking outcome. Cathy, a neighbour of the grieving family and the last person to see Airlie alive, recalled her as a joyful child who often played near her parents’ home. “She was a lovely little thing, non-verbal, but a happy girl always smiling and blowing kisses when she saw you,” Cathy shared with <em>Daily Mail Australia</em>.</p> <p>“Except yesterday she was crying, no one knows why… and then I didn’t see her. She must have gone over the edge above The Grotto.”</p> <p>Airlie’s father, Corey Montgomery, visited North Nowra Public School on Monday to collect his daughter’s belongings, leaving with a bunch of pink flowers in her memory. Her mother, Katie Amess, was too distraught to speak, receiving support from neighbours in the wake of the tragedy.</p> <p>The NSW Department of Education expressed its condolences in a statement, saying it was “deeply saddened” by Airlie’s death. “Our thoughts are with the family and all those affected,” the statement read. “We are providing support to students and staff and will continue to do so for as long as it is needed.”</p> <p>Authorities have confirmed that a report will be prepared for the coroner to determine the exact circumstances of Airlie’s death.</p> <p>As the community mourns, tributes continue to flow for the young girl whose life was tragically cut short.</p> <p><em>Images: NSW Police</em></p>

Caring

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Tragic end in search for missing six-year-old

<p>A desperate search for a missing six-year-old girl in southern New South Wales ended in tragedy on Sunday after authorities discovered a body in bushland.</p> <p>Airlie Montgomery was reported missing in North Nowra at around 2:15 pm, prompting an urgent police appeal for public assistance. Given her young age and medical conditions, authorities expressed grave concerns for her welfare.</p> <p>The little girl was last seen wearing a hot pink jumpsuit and no shoes, and police launched an extensive search operation to locate her. However, later that afternoon, a body was found in nearby bushland.</p> <p>While formal identification is yet to be completed, police believe the body belongs to the missing child. An investigation into the circumstances surrounding her disappearance and death is now underway.</p> <p>NSW Police confirmed that a report will be prepared for the coroner as part of the ongoing inquiry.</p> <p>More details are expected to emerge as the investigation continues.</p> <p><em>Images: NSW Police</em></p>

Caring

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Devastated mum warns of flu dangers after losing 11-week-old son

<p>A heartbroken mother is pleading with Australians to get vaccinated against the flu this season after losing her 11-week-old son to the virus.</p> <p>Samantha Miller, 37, from Bathurst, NSW, was in the hospital battling her own illness when she received a devastating phone call – her infant son had also fallen ill. By the time he reached the hospital, it was too late.</p> <p>“I came down quite ill, so I ended up in hospital, and then we got a phone call saying he’d been brought into hospital not breathing, and we found out that he’d passed away,” Ms Miller told <a href="https://www.news.com.au/lifestyle/health/health-problems/mothers-harrowing-warning-as-11-weekold-son-dies/news-story/9a453f35136ec6ec0085e10392fd5163" target="_blank" rel="noopener">news.com.au.</a></p> <p>It has been 13 years since her son’s tragic death, but the pain remains fresh. Now, she is using her heartbreaking experience to encourage others to get vaccinated against the flu.</p> <p>“It took a little while to get some autopsy results, but it came back with bronchial pneumonia caused by H1N1 swine flu,” Ms Miller said, describing the loss as an unimaginable shock.</p> <p>Her son had been seen by a paediatrician the day before his death and had shown no serious signs of illness beyond a runny nose. A photo from the night before, showing the baby peacefully asleep on his grandfather’s chest, still haunts her.</p> <p>“It’s the hardest thing I’ve ever had to do in my entire life. I would not wish it on anybody … it’s been 13 years and it hurts as if it was yesterday,” she said.</p> <p>Determined to prevent other families from suffering the same heartbreak, Ms Miller is now an advocate for flu vaccinations.</p> <p>“I know what it’s like to lose a child to influenza, and vaccination can help prevent other families from going through what we have been through for the past 13 years,” she said. She believes that there is a lack of education about the importance of vaccinations and the dangers of influenza, leading to misinformation and vaccine hesitancy.</p> <p>“Why are some people pushing for anti-vaccination when the numbers are there? They need to look at the data and get a vaccination. I mean, it’s easy enough … take ten minutes out of your life to get the vaccination,” she urged.</p> <p>Ms Miller also highlighted the strain that preventable illnesses place on the already overwhelmed healthcare system. “Anyone who ends up in hospital is putting a strain on the health services that are already under strain,” she said.</p> <p>With flu season approaching, her message is clear: vaccination saves lives. She hopes that by sharing her story, she can help prevent other families from experiencing the same devastating loss.</p> <p><em>Images: Courtesy of Samantha Miller</em></p>

Caring

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Replacing stamp duty with a land tax could save home buyers big money. Here’s how

<div class="theconversation-article-body"> <p>Infrastructure Victoria has released a <a href="https://assets.infrastructurevictoria.com.au/assets/Victorias-draft-30-year-infrastructure-strategy.pdf">draft 30-year plan </a> outlining how the state can grow sustainably.</p> <p>It focuses on key areas like transport, housing, energy, and public services to support a growing population and improve liveability. The plan also suggests ways to make the state’s infrastructure and tax system fairer, more efficient and more sustainable.</p> <p>The plan’s recommendations are expected to cost between A$60 billion and $75 billion, mostly spent before 2035. This is around 10% of <a href="https://www.abs.gov.au/statistics/economy/national-accounts/australian-national-accounts-state-accounts/2023-24-financial-year#data-downloads">Victoria’s yearly economic output</a> in 2023-24, spread over the next decade.</p> <p>With Victoria already spending record amounts on infrastructure, and <a href="https://pbo.vic.gov.au/document/BudgetUpdateSnapshot2024-25">budget deficits forecast</a> until 2025-26, finding the money to fund social housing, transport and other projects is a key challenge. We estimate the Infrastructure Victoria proposals would add between $4 billion and $5 billion to Victorian government expenditure each year.</p> <p>Yet one of its proposals — replacing stamp duty with an annual land tax — would only cost between $1 million and $5 million to implement, but generate substantial gains for Victorian households.</p> <h2>Why replace stamp duty with land tax?</h2> <p>Stamp duty is one of the biggest barriers to moving house in Victoria and other Australian states. This tax, which people pay when they buy property, adds thousands of dollars to the cost of moving.</p> <p>In 2022-23, Victorians paid about <a href="https://www.abs.gov.au/statistics/economy/national-accounts/australian-national-accounts-state-accounts/2023-24-financial-year#data-downloads">$12 billion</a> to move house. Of this, $3 billion went to actual moving costs (like real estate services, and removalists) and $9 billion was <a href="https://www.abs.gov.au/statistics/economy/government/taxation-revenue-australia/latest-release#data-downloads">stamp duty</a>.</p> <p>That’s an effective tax rate of 300% on the true cost of moving, and in 2023 <a href="https://www.e-business.sro.vic.gov.au/calculators/land-transfer-duty">added about</a> $40,000, or 5.3%, to the cost of purchasing the average Victorian home.</p> <p>High stamp duty discourages people from relocating, even when their needs change — whether that’s moving for a new job, finding a bigger home for a growing family or downsizing after retirement. This leads to longer commutes, traffic congestion and a less efficient housing market. </p> <p>Switching from stamp duty to an annual land tax would make moving easier and spread the tax burden more fairly.</p> <p>Instead of a large, one-time tax when buying a home, all landowners would pay a smaller tax each year. This would help fund schools, hospitals, and other infrastructure more sustainably.</p> <h2>What can we learn from Canberra?</h2> <p>Victoria University’s Centre of Policy Studies <a href="https://www.treasury.act.gov.au/__data/assets/pdf_file/0009/1618407/cops-final-report.pdf">studied a similar reform</a> in the Australian Capital Territory, where stamp duty has been gradually phased out since 2012 and replaced with higher general rates (a type of land tax).</p> <p>Each year, the ACT government sets a target for how much money it needs to raise. Landowners then pay a share of that total, based on the value of their land.</p> <p>One of the biggest benefits of this approach is that it raises money more efficiently. Unlike other taxes, land taxes don’t discourage investment or economic activity.</p> <p>The study found removing stamp duty had a big positive impact on the ACT’s economy. Around 80% of the economic boost came from removing stamp duty, while introducing land tax also had benefits. By studying transaction data from the ACT, we showed each 10% reduction stamp duty rates drove a 6% rise in property transactions.</p> <h2>Would it help housing affordability?</h2> <p>One of the main arguments for replacing stamp duty with land tax is its effect on housing prices. Economists widely agree land taxes reduce land values, which makes housing more affordable. </p> <p>However, the impact of removing stamp duty is less predictable. Our previous research found <a href="https://theconversation.com/swapping-stamp-duty-for-land-tax-would-push-down-house-prices-but-push-up-apartment-prices-new-modelling-finds-184381">the effect on house prices</a> depends on how often properties are bought and sold. Apartments, for example, tend to change hands more frequently than houses. Because of this, removing stamp duty tends to push up apartment prices more than house prices.</p> <p>Even so, the overall effect of the reform is a drop in property prices. The challenge is ensuring this price reduction is evenly spread across different types of housing.</p> <h2>A fairer tax system</h2> <p>To make the system fairer, policymakers could adjust how land tax is applied. One option is to introduce a fixed-rate component, as <a href="https://www.revenue.nsw.gov.au/grants-schemes/previous-schemes/first-home-buyer-choice">proposed </a> in New South Wales. Another idea, suggested 15 years ago in the <a href="https://treasury.gov.au/sites/default/files/2019-10/afts_final_report_part_1_consolidated.pdf">Henry Tax Review</a>, is to base the tax on the per-square-metre value of land.</p> <p>Another key factor is housing supply. If planning laws allow more high-density housing in inner suburbs, price changes could be better managed.</p> <h2>We also need short-term solutions</h2> <p>Replacing stamp duty with land tax is a long-term reform that would take years to fully implement. The ACT, for example, planned a 20-year transition.</p> <p>If all state governments implemented this reform, we estimate Australian households would ultimately be <a href="https://www.copsmodels.com/ftp/workpapr/g-337.pdf">better off by about</a> $,1600 per household per year.</p> <p>In the short term, <a href="https://theconversation.com/whats-the-best-way-to-ease-rents-and-improve-housing-affordability-we-modelled-4-of-the-governments-biggest-programs-225446">other policies </a> could help improve housing affordability. These include increasing Commonwealth Rent Assistance and rethinking first-home buyer support. These steps could complement broader tax, infrastructure and housing supply reforms.</p> <p>The Victorian government is <a href="https://engage.vic.gov.au/victorias30yearinfrastructurestrategy">seeking feedback</a> on the draft plan before releasing the final version later this year. This is an opportunity for Victorians to contribute ideas on how to shape the state’s future and ensure its infrastructure and tax system work for everyone.<!-- 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/251472/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/jason-nassios-318488"><em>Jason Nassios</em></a><em>, Associate Professor, Centre of Policy Studies, <a href="https://theconversation.com/institutions/victoria-university-1175">Victoria University</a> and <a href="https://theconversation.com/profiles/james-giesecke-9853">James Giesecke</a>, Professor, Centre of Policy Studies and the Impact Project, <a href="https://theconversation.com/institutions/victoria-university-1175">Victoria University</a></em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/replacing-stamp-duty-with-a-land-tax-could-save-home-buyers-big-money-heres-how-251472">original article</a>.</em></p> <p><em>Image: 7news.com.au</em></p> </div>

Money & Banking

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Family breaks silence after five-year-old son fatally hit by car

<p>The devastated family of five-year-old boy Alby Thompson have remembered him for his "laughter and love". </p> <p>The young boy died after being struck by a four-wheel-drive in Broome, Western Australia about 5.20pm last Thursday.</p> <p>The five-year-old was rushed to Broome Regional Hospital where he later died. </p> <p>His family have issued a statement to the <em>ABC</em> on Wednesday and thanked the community for their “outpouring of love". </p> <p>“It is with profound sorrow that we share the news of our beloved son, Alby, who tragically lost his life in a road accident,” the statement began. </p> <p>“His laughter and love filled our hearts and home.</p> <p>“We kindly request privacy during this period of mourning as we come to terms with this devastating loss.</p> <p>“We thank the community for their outpouring of love and support during this heart-wrenching time.”</p> <p>The 34-year-old driver of the Landcruiser is assisting police with inquiries, and no charges have been laid. </p> <p><em>Image: 7News</em></p>

Caring

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Albo quizzed over luxury home purchase

<p>Anthony Albanese has been grilled by Karl Stefanovic over the recent purchase of a multi-million dollar home, that was widely slammed by the public as being "out of touch". </p> <p>As part of his pre-election campaign, the Prime Minister and his fiancé Jodie Haydon sat down with <em>60 Minutes</em> where they discussed the controversial real estate move. </p> <p>Karl Stefanovic described as the $4.1 million purchase of the Copacabana holiday home as “harebrained", as Albo defended his decision to buy the home. </p> <p>“Whose harebrained idea was Copacabana?” Stefanovic asked as the program began.</p> <p>Mr Albanese, who is notoriously sensitive about the purchase amid claims it was tone-deaf during a cost-of-living crisis, laughed at the question as he responded, “Look, Jodie and I are getting married.”</p> <p>“What you don’t do is move into the family home where Carmel and I raised Nathan together as a family. And guess what, Karl? At some stage … I won’t be Prime Minister into my 80s and therefore we have bought a place close to where Jodie grew up … where her family are all based.”</p> <p>In the program, Stefanovic observed that, “I’ve spent some time with her these last couple of days and I get the feeling the girl from the Central Coast would sooner rather than later have her feet up at Copacabana, whether you are there or not!”</p> <p>“No — well, she’s a Coastie and a proud one,” Mr Albanese replied. “And it was very much a personal decision, not a political one. And I think Australians get that.”</p> <p>Karl then asked about the controversy around the home, asking the PM, “Did it sting you at all the criticism around that, the perception being during a cost-of-living crisis, the PM shouldn’t be seen as being, you know, so lavish?” </p> <p>Albanese responded, “I’m pretty resilient, Karl, and if you’re worried about every bit of criticism that was out there, then life would be much more difficult than it is."</p> <p><em>Image credits: 60 Minutes </em></p> <p style="box-sizing: inherit; border: 0px; font-stretch: inherit; line-height: inherit; font-family: 'Helvetica Neue', HelveticaNeue, Helvetica, Arial, sans-serif; font-size-adjust: inherit; font-kerning: inherit; font-variant-alternates: inherit; font-variant-ligatures: inherit; font-variant-numeric: inherit; font-variant-east-asian: inherit; font-variant-position: inherit; font-feature-settings: inherit; font-optical-sizing: inherit; font-variation-settings: inherit; font-size: 18px; margin: 0px 0px 24px; padding: 0px; vertical-align: baseline;"> </p>

Money & Banking

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"Absolutely cooked": Old Sydney home sold for over $4.1 million

<p>A one-storey red brick home in Lane Cove, Sydney has sold for a whopping $4,165,000 at an auction on Saturday. </p> <p>The home, which boasts two bathrooms, a backyard, four bedrooms and a “traditional kitchen” has sold for more than $600,000 over reserve, despite being built between the 1920s-1950s and needing renovation. </p> <p>The home was snapped up by a British family after a fierce bidding war with six other registered buyers. </p> <p>“The people who purchased it were the opening bid. (The bidders) were actively bidding into the high threes, and two of them pushed it above the four mark,” said Sam Lloyd from McGrath Estate Agents.</p> <p>“As far as we know, they will definitely do some work to it to make it their family home.”</p> <p>Lloyd added that there was was “plenty of interest” in the 695 sqm property, with its prime location near the suburb's retail and restaurant precinct. </p> <p>The selling agent said that both himself and the owner were “surprised” by the high price of the property – which had a reserve of $3.5 million.</p> <p>“It was definitely above our expectations” he said.</p> <p>According to Domain, the median house price for a four bedroom home in Lane Cove is $3.505 million. </p> <p>Many expressed their outrage over the "crazy" price online, with freelancer chief executive Matt Barrie saying: “Sydney house prices rapidly approaching $5m. Absolutely cooked."</p> <p>“$4 million for the house, plus another $2-3 million to demolish and rebuild. The reality of living in Australia where even the top one per cent income earners face significant costs for home ownership,” another added. </p> <p>“Our economy is out of control, what a ridiculous price for an average house,” a third wrote.</p> <p>“That’s some crazy pricing! I hear Adelaide is lovely this time of year …” a fourth commented. </p> <p><em>Image: Domain</em></p>

Money & Banking

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Home and Away icon bids farewell after 33 years

<p>In news that has sent shockwaves through lounge rooms across the country, Lynne McGranger, the heart and soul of <em>Home and Away</em>, is preparing to hang up her iconic apron and bid farewell to her beloved character, Irene Roberts.</p> <p>After an impressive 33 years of delivering heartfelt performances, dishing out sage advice and reminding every misbehaving local to "listen here, girlie", McGranger will be making her emotional exit later this year.</p> <p>Seven has promised fans that Irene’s departure will be one for the history books – no, not via the usual dramatic Summer Bay methods of freak storms, runaway cars or inexplicable amnesia, but an “emotional exit” that “cannot be missed”.</p> <p>While details are tightly under wraps, we can only speculate: Will Irene sail off into the sunset? Open a surf club for wayward teens? Or finally take that well-earned break from all the Summer Bay chaos and settle somewhere where people aren’t constantly getting lost at sea?</p> <p>Fans, naturally, have been left reeling. Social media has been flooded with messages of heartbreak, nostalgia and a desperate plea for Irene to return – even if only for a guest appearance or as a ghostly vision (a <em>Home and Away</em> classic).</p> <p>Lynne herself has spoken out about the farewell, calling it “bittersweet” to leave a role that has been not just a job, but a family. "After almost 33 years in my dream role and working every day with people I love, respect and whom I now consider family, it’s bittersweet to be closing the chapter on what has been the best and longest gig of my life,” she said.</p> <p>Ever the class act, Lynne expressed gratitude to the crew, writers and, of course, the fans – those who have stuck by Irene through every high, low and dramatic face-off at the Diner.</p> <p>And let’s not forget Irene’s legendary status. <em>TV Week</em> readers ranked her as the second Greatest Australian TV Character of All Time (although we suspect if the voting had been left solely to <em>Home and Away</em> die-hards, she’d have taken the crown).</p> <p>Julie McGauran, <em>Home and Away</em>’s Executive Producer, summed it up best: “Lynne’s extraordinary portrayal of down-to-earth Irene Roberts is why the character is held with such great affection by fans around the world.”</p> <p>Despite wrapping up filming in March, Irene will still grace our screens for months to come – enough time for fans to prepare themselves emotionally (and stock up on tissues). In the meantime, Lynne will return to the stage with her comedy show, "The Grandparents Club", proving that she has no plans to slow down anytime soon.</p> <p>The farewell will undoubtedly be a tearjerker, but if we know anything about Irene Roberts, she’ll be leaving Summer Bay the same way she lived in it: with heart, humour and a no-nonsense attitude.</p> <p>As one fan put it perfectly, "Now listen here, girlie, you are going to be missed soooo much."</p> <p>And that, as they say, is the bottom line.</p> <p><em>Image: Instagram</em></p>

TV

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Home and Away co-stars announce the birth of their baby

<p>Former<em> Home and Away</em> stars Luke Mitchell and Rebecca Breeds have announced the birth of their first child. </p> <p>The Aussie actors shared the news that Breeds, 37, had given birth in a joint Instagram post including some gorgeous images of their newborn. </p> <p>Revealing they welcomed a boy, they wrote: "Welcome to the world little man. Thanks for choosing us. We love you beyond words 🙏❤️✨."</p> <p>Fans, friends and former <em>Home and Away</em> alumni raced to the comments to congratulate the family. </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-permalink="https://www.instagram.com/p/DGTat_vxsSJ/?utm_source=ig_embed&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/DGTat_vxsSJ/?utm_source=ig_embed&utm_campaign=loading" target="_blank" rel="noopener">A post shared by Luke Mitchell (@lukemitchell17)</a></p> </div> </blockquote> <p><em>Home and Away</em> star Georgie Parker commented: "Oh Luke, huge congratulations to you and Bec. Now the fun begins. Sending love."</p> <p>The pair kept their baby's face concealed, but shared images of his feet, tiny hands and hair, and chose not to announce the baby boy's name.</p> <p>Breeds announced her pregnancy in November, posing on the red carpet and cradling her baby bump for photos. </p> <p>The couple met on set of iconic soap <em>Home and Away</em> and fell head over heels and have now been together for 15 years, tying the knot back in 2013.</p> <p>Image credits: Instagram </p>

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Grieving parents blame hospital over two-year-old's death

<p>Two grieving parents are calling for an independent investigation into a Sydney hospital after the death of their two-year-old son. </p> <p>Elouise and Danny Massa took their son Joe to the emergency department at Northern Beaches Hospital on the morning of September 14th after he had spent the night vomiting.</p> <p>The toddler had hypovolemia, a condition that occurs when the body loses too much fluid, and later tragically died.</p> <p>Joe's parents claim the hospital failed their son "at every level" and he would still be alive if he had received the proper care. </p> <p>In a statement provided to <a href="https://www.9news.com.au/national/grieving-parents-demand-urgent-investigation-into-sydney-hospital-after-death-of-twoyearold-son/a0de6011-adf3-49d2-8206-73ed21331c30" target="_blank" rel="noopener"><em>9News</em></a>, the parents said Joe's heart rate was at 183 beats per minute when they arrived at the emergency department, yet he was misclassified as a low priority, category three patient, instead of red zone, category two.</p> <p>The parents went on to allege that the Northern Beaches hospital missed critical warning signs, including when Joe lost consciousness, and his mother's requests for an IV drip were denied.</p> <p>"I can't tell you what it's like to hold your son in your arms … to be told to sit in your chair while your child is agitated, going in and out of consciousness, lips are turning blue," Mrs Massa told 2GB on Thursday morning.</p> <p>"To be told to wait and have your baby literally dying in your arms is unfathomable and should not be happening at any hospital."</p> <p>For almost three hours, Joe was not hooked up to monitoring equipment while sitting in an emergency department chair. </p> <p>A serious adverse event review conducted by the hospital after Joe's death identified multiple failures, with the report claiming there was a "delay and failure to recognise deterioration" in Joe's condition.</p> <p>Healthscope, which operates the hospital, said in a statement: "Northern Beaches Hospital offers its deepest condolences to the Massa family for the loss of their son, Joe. We recognise Joe's death has caused unimaginable heartache and grief for the family."</p> <p>"We have met with the family to apologise and hear directly about their tragic experience and to discuss the findings of the Serious Adverse Event Review."</p> <p>"We will continue to support the family in any way that we can as we implement the improvements identified in the review, including improvements around triaging processes and internal escalation processes." </p> <div>Joe's mother said no parents should have to go through the pain their family has endured since Joe's untimely death.</p> <p>"Joe was the most beautiful boy, loved by his sister and brother," she said.</p> <p>"He loved dinosaurs. He had the most infectious smile. He was just two months off turning two years old. He was, and is still, the light of our world. The system at Northern Beaches Hospital, the emergency department, entirely failed us at every possible level."</p> <p><em>Image credits: 9News</em></p> </div>

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Century-old Anzac memorial damaged

<p>A century-old Anzac memorial has been damaged  in northern New South Wales, prompting a police appeal for information from the public. </p> <p>Police were told on Thursday that the marble statue, depicting a soldier, in Walgett Memorial Park, had suffered some damage.</p> <p>Authorities found the statue's arm had been damaged and the marble rifle missing.</p> <p>It's believed the statue was damaged between Monday February 10th and Thursday February 13th.</p> <p>The memorial statue was originally imported to the regional town from France in 1922.</p> <p>Anybody with dashcam footage, CCTV, or information on the vandalism, is urged to contact police or Crime Stoppers on 1800 333 000.</p> <p><em>Image credits: Facebook</em></p>

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Today reporter shares joyous news after heartwarming home birth

<p><span style="font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Oxygen, Ubuntu, Cantarell, 'Open Sans', 'Helvetica Neue', sans-serif;">Popular <em>Today</em> Entertainment Reporter </span>Renée Bargh has shared an exciting life update: she's welcomed her second child!</p> <p>Bargh and her partner Andrew Lange announced the news in a heartwarming Instagram post recently that they have lovingly welcomed a little girl named Soléil James.</p> <p>"Our beautiful sunshine girl joined us earthside a week early in the most magical birth," <span style="font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Oxygen, Ubuntu, Cantarell, 'Open Sans', 'Helvetica Neue', sans-serif;">Bargh told her 106,000 followers</span><span style="font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Oxygen, Ubuntu, Cantarell, 'Open Sans', 'Helvetica Neue', sans-serif;">. "Born peacefully at home in the water, surrounded by love."</span></p> <p>The journalist shared several black-and-white photos, including one of her holding her newborn daughter after giving birth. She also posted an adorable picture of her nearly two-year-old son, Tide, with his sister.</p> <p>Bargh also expressed her deep gratitude to her midwife and doula: <span style="font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Oxygen, Ubuntu, Cantarell, 'Open Sans', 'Helvetica Neue', sans-serif;">"Forever grateful for our incredible midwife @janineatibirth for creating the most peaceful and safe environment for this to take place and giving us the healing experience we dreamed of," she wrote. "Thank you to our doula @thehealingshed for your tender love, calming presence and support." </span></p> <p>The post was flooded with congratulatory messages from friends and fans. Model Megan Gale commented, "She is precious ♥️ Congratulations beautiful Mama xx."</p> <p>Journalist Lisa Wilkinson added, "These are the magical moments. Congrats Renée, and enjoy every second xx."</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/DF_HWckzF_Z/?utm_source=ig_embed&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/DF_HWckzF_Z/?utm_source=ig_embed&utm_campaign=loading" target="_blank" rel="noopener">A post shared by Renée- Claire Bargh (@reneebargh)</a></p> </div> </blockquote> <p>Bargh and Lange welcomed their first child, son Tide, in March 2023.</p> <p><em>Images: Instagram</em></p>

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91-year-old chases brazen burglar in daylight robbery

<p>A 91-year-old great-grandmother from Brisbane was left shaken and distressed after confronting a brazen burglar who broke into her home in broad daylight, stealing valuable possessions and sentimental items nearly one year to the date of her husband’s passing.</p> <p>Joanna “Jopie” de Loryn, who lives in Holland Park West, had been in her garden on Wednesday when she returned inside to find a man in her lounge room holding her handbag.</p> <p>“I saw him (holding the handbag) and I grabbed it,” de Loryn said. The intruder fled, still clutching onto de Loryn's purse, while the determined grandmother, undeterred by fear, chased after him as he escaped through the front door. “I was yelling at him as he ran off,” she recalled. “I felt mad, I said ‘you bastard’.”</p> <p>Upon returning, shaken, to her bedroom, she discovered that the thief had also taken her jewellery, her watch and her late husband’s old wallet. “My engagement ring ... necklaces my children had given me," <a href="https://7news.com.au/news/elderly-woman-walks-in-on-man-stealing-engagement-ring-on-one-year-anniversary-of-husbands-death--c-17709523" target="_blank" rel="noopener">she told 7News</a>. "They were all of sentimental value,” she said.</p> <p>De Loryn, who lost her husband Bart almost a year ago, spoke of the deep emotional impact of the theft. “Sixty-five years we were married, he was terrific. He was sick the last couple of months (of his life) and I took care of him ... I miss him.”</p> <p>Neighbour Catherine Armes, a young mother, was in her kitchen when she heard de Loryn’s cries and saw the thief fleeing from the property. “I heard Jopie screaming out, and I saw a man running down her back staircase and I just screamed out at him,” Armes told reporters. “Jopie is a pillar of this community, there are people coming and going all the time, but this noise was just different, and I knew straight away that something was not right.”</p> <p>Armes’ father, who resides in a granny flat on the property, attempted to chase down the burglar but lost him shortly after. “(Jopie) was very, very shaken up, you don’t want to see an elderly person in that state because of someone who was so low to target them, it was terrible,” Armes said.</p> <p>“Shame on them, shame on them for doing it to anyone, but for them to do that to an elderly person who can’t defend themselves, I hope you have your tail between your legs, because (you are) scum.”</p> <p>Despite the loss of valuable jewellery and her husband’s keepsake wallet, de Loryn said the most devastating item taken was a note given to her by her son.</p> <p>“In my wallet was a little card that Mark bought for me," she explained. "It said, ‘I’ll stay with you until you go’, it was so nice and that’s what I’d like to have back."</p> <p>After a restless night, de Loryn admitted she is still feeling unsettled by the incident. “It’s not a nice feeling, to have a stranger coming in and taking all your stuff and walking out ... and I don’t know how long he was in my bedroom. I still feel a bit shaky.”</p> <p>Authorities are urging anyone with information regarding the robbery to contact police.</p> <p><em>Images: CCTV / 7 News</em></p>

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