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

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: <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> Regardless of why you want to refinance, the points below will help you navigate your options. Changing lenders It may have been a while since you last revisited your mortgage, meaning you may not be aware of current lending options and traps. 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. 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. 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. Reverse mortgages 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. However, they often have strict conditions including: <ul> <li>minimum borrowing amounts</li> <li>maximum borrowing ratios</li> <li>higher interest rates than standard mortgages</li> </ul> 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. Changing homes Rather than selling, downsizing could involve making an investment property your primary residence and then renting out your existing home. 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. Then there are the lifestyle factors to weigh up, especially if you are moving to a different area: <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> Remember that if you have a Self Managed Super Fund (SMSF), it CANNOT own any property that you directly use yourself, including your home. Becoming Bank of Mum and Dad Refinancing can unlock equity to support adult children with their first property deposit. However, it isn’t without its risks. Ask yourself honestly: <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> Draw up a written agreement outlining all conditions and scenarios to avoid disagreements in the future. Pension impacts 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. 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! Getting advice To ensure you get the best bang for your buck when refinancing, be sure to enlist the help of a good: <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> 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. 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 <a style="color: #467886;" title="http://www.onyourowntwofeet.com.au/" href="http://www.onyourowntwofeet.com.au/">www.onyourowntwofeet.com.au</a> 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.

Money & Banking

Controversy after former officer who tasered Clare Nowland learns his fate

Kristian James Samuel White, the now-former police officer who fatally tasered 95-year-old Clare Nowland, has avoided a prison sentence. A judge described the act as a "terrible mistake" but ruled it fell at the lower end of seriousness for manslaughter cases. White, 35, left the NSW Supreme Court on Friday under strict conditions, including a two-year community corrections order requiring good behaviour and an order to complete 425 hours of community service. The sentencing follows the tragic events of May 17, 2023, when White fired a Taser at Nowland at the Yallambee Lodge aged-care home in Cooma, NSW. Justice Ian Harrison acknowledged the unlawful and dangerous nature of White's actions, stating he had misread or misunderstood the situation. “A frail and confused 95-year-old woman in fact posed nothing that could reasonably be described as a threat of any substance,” he said. Nowland, who suffered from dementia, was holding a knife while using a walking frame and had ignored staff attempts to disarm her. White, after only a few minutes at the scene, discharged his Taser, reportedly saying, "nah, bugger it," before the weapon’s barbs struck her chest. The force of the Taser caused her to fall and suffer a brain bleed, leading to her death in hospital a week later. Justice Harrison recognised the grief and anger of Nowland’s family, stating, “The complete and utter frustration and despair exhibited by her family in the circumstances is easy to understand when things could have so easily been handled better.” While White’s actions were deemed unlawful, the judge noted that he had been called to the aged-care home lawfully and had been required to resolve the situation. “He could not have chosen to do nothing,” Justice Harrison said. During sentencing, White stood expressionless, while members of Nowland’s family were visibly emotional. In a letter to the family submitted to the court, White expressed deep remorse, writing, “I take full responsibility for my actions – I felt and still feel horrible for what happened. I do not expect you to take my apology as a request for forgiveness and I understand that you suffer greatly.” Since the incident, White has been diagnosed with major depressive disorder and post-traumatic stress disorder. Due to public outrage in Cooma, he will be forced to relocate. White was dismissed from the NSW Police Force in December following his guilty verdict. However, he has initiated legal action to seek a review of the decision. The case has sparked widespread debate over police use of force, particularly in interactions with vulnerable individuals, with the lenient sentence leaving many questioning whether justice was adequately served for Nowland and her grieving family. Images: Supplied

Legal

I’m avoiding a hearing test because I don’t want chunky hearing aids. What are my options?

<div class="theconversation-article-body"><a href="https://www.health.gov.au/hearing-health/resources/publications/one-in-six-australians-experience-hearing-loss-poster-0?language=en">One in six Australians</a> have hearing loss and, for most adults, hearing starts to decline from <a href="https://journals.plos.org/plosone/article?id=10.1371/journal.pone.0107720">middle age onwards</a>. Many of us, however, hesitate to seek help or testing for our hearing. Perhaps you’re afraid you’ll be told to wear hearing aids, and envision the large and bulky hearing aids you might have seen on your grandparents decades ago. In fact, hearing aids have changed a lot since then. They’re often now very small; some are barely noticeable. And hearing aids aren’t the only option available for people experiencing hearing loss. <h2>Why you shouldn’t ignore hearing loss</h2> Acquired hearing loss can have a serious impact on our life. It is <a href="https://journals.sagepub.com/doi/10.1177/2331216517734088">associated</a> with or can <a href="https://pubmed.ncbi.nlm.nih.gov/29222544/">contribute</a> to: <ul> <li>social isolation</li> <li>loneliness</li> <li>not being able to work as much, or at all</li> <li>memory problems</li> <li>trouble thinking clearly</li> <li>conditions such as dementia.</li> </ul> Hearing loss has also been associated with depression, anxiety and stress. A <a href="https://academic.oup.com/gerontologist/article-abstract/60/3/e137/5369884?redirectedFrom=fulltext">systematic review and meta-analysis</a> found adults with hearing loss are 1.5 times more likely to experience depression than those without hearing loss. A <a href="https://jamanetwork.com/journals/jamanetworkopen/fullarticle/2768374">large population study</a> in the US found self-reported hearing loss was associated with: <ul> <li>higher levels of psychological distress</li> <li>increased use of antidepressant and anti-anxiety medications, and</li> <li>greater utilisation of mental health services.</li> </ul> The good news is that doing something about your hearing loss can help you live a <a href="https://pubmed.ncbi.nlm.nih.gov/36385406/">happier</a> and <a href="https://www.thelancet.com/journals/lanhl/article/PIIS2666-7568(23)00232-5/fulltext">longer</a> life. <h2>So why don’t people get their hearing checked?</h2> <a href="https://pubmed.ncbi.nlm.nih.gov/17927921/">Research</a> has found adults with hearing loss typically wait ten years to seek help for their hearing. Less than a quarter of those who need hearing aids actually go ahead with them. Hearing declines slowly, so people may perceive their hearing difficulties <a href="https://www.tandfonline.com/doi/full/10.3109/14992027.2013.839888">aren’t concerning</a>. They may feel they’re now used to not being able to hear properly, without fully appreciating the impact it’s having on their life. Some people harbour <a href="https://www.tandfonline.com/doi/full/10.3109/14992027.2013.839888">negative attitudes to hearing aids</a> or don’t think they’ll actually help. Others may have overheard their <a href="https://www.tandfonline.com/doi/full/10.3109/14992027.2013.839888">partner, family or friends</a> say negative things or make jokes about hearing aids, which can put people off getting their hearing checked. <a href="https://www.tandfonline.com/doi/full/10.1080/14992027.2023.2293651">Stigma</a> can play a big part. People often associate hearing loss with <a href="https://www.tandfonline.com/doi/full/10.1080/14992027.2024.2353862">negative stereotypes</a> such as ageing, weakness and “being different”. Our recent <a href="https://www.tandfonline.com/doi/full/10.1080/14992027.2024.2446480">research</a> found that around one in four people never tell anyone about their hearing loss because of experiences of stigma. Adults with hearing loss who experience stigma and choose not to disclose their hearing loss were also likely not to go ahead with hearing aids, we found. <h2>What are my options for helping my hearing?</h2> The first step in helping your hearing is to have a hearing check with a hearing care professional such as an an audiologist. You can also speak to your GP. If you’ve got hearing loss, hearing aids aren’t the only option. Others include: <ul> <li>other assistive listening devices (such as amplified phones, personal amplifiers and TV headphones)</li> <li>doing a short course or program (such as the <a href="https://shrs.uq.edu.au/active-communication-education-ace">Active Communication Education program</a> developed via University of Queensland researchers) aimed at giving you strategies to manage your hearing, for instance, in noisy environments</li> <li>monitoring your hearing with regular checkups</li> <li>strategies for protecting your hearing in future (such as wearing earplugs or earmuffs in loud environments, and not having headphone speakers too loud)</li> <li>a cochlear implant (if hearing loss is severe)</li> </ul> Hearing care professionals should take a <a href="https://www.tandfonline.com/doi/full/10.1080/14992027.2023.2190864">holistic approach</a> to hearing rehabilitation. That means coming up with individualised solutions based on your preferences and circumstances. <h2>What are modern hearing aids like?</h2> If you do need hearing aids, it’s worth knowing there are several different types. All modern hearing aids are extremely small and discrete. Some sit behind your ear, while others sit within your ear. Some look the same as air pods. Some are even completely invisible. These hearing aids are custom fitted to sit deep within your ear canal and contain no external tubes and wires. Some types of hearing aids are more expensive than others, but even the basic styles are discrete. In Australia, children and many adults are eligible for <a href="https://www.health.gov.au/our-work/hearing-services-program/accessing/eligibility">free or subsidised hearing services</a> and many health funds offer hearing aid rebates as part of their extras cover. Despite being small, modern hearing aids have advanced technology including the ability to: <ul> <li>reduce background noise</li> <li>direct microphones to where sound is coming from (directional microphones)</li> <li>use Bluetooth so you can hear audio from your phone, TV and other devices directly in your hearing aids.</li> </ul> When used with a smartphone, some hearing aids can even track your health, detect if you have fallen, and translate languages in real time. <h2>What should I do next?</h2> If you think you might be having hearing difficulties or are curious about the status of your hearing, then it’s a good idea to get a hearing check. The earlier you do something about your hearing, the greater the likelihood that you can prevent further hearing decline and reduce other health risks. And rest assured, there’s a suitable option for everyone.<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/250925/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> By <a href="https://theconversation.com/profiles/katie-ekberg-1534998">Katie Ekberg</a>, Senior Lecturer, College of Nursing and Health Sciences, <a href="https://theconversation.com/institutions/flinders-university-972">Flinders University</a> and <a href="https://theconversation.com/profiles/barbra-timmer-1199057">Barbra Timmer</a>, Senior Lecturer and Researcher in Audiology, <a href="https://theconversation.com/institutions/the-university-of-queensland-805">The University of Queensland</a> This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/im-avoiding-a-hearing-test-because-i-dont-want-chunky-hearing-aids-what-are-my-options-250925">original article</a>. Image: Getty </div>

Hearing

Desperate Aussie dad sparks brutal immigration debate on Q+A

An Australian father, fearing that another rent hike could push his family into homelessness, directly challenged the federal government’s immigration policies on national television. Morgan Cox, a father of a one-year-old, raised his concerns on ABC’s Q+A program on Monday night. The episode, broadcast from the federal election battleground of Wyong on the Central Coast of New South Wales, saw an emotionally charged exchange between Cox and Federal Health Minister Mark Butler. Cox detailed his dire financial situation, explaining that he had recently received notice of a $180-per-week rent increase – an additional $10,000 annually. “I tried to find a cheaper place and there just aren’t any," Cox said. "What little is available, there’s dozens of people lined up. Lots of them are immigrants and they have plenty more money than I can possibly get.” The audience applauded as he pressed the government on whether it planned to curb immigration to align with housing availability. In response, Butler expressed sympathy, acknowledging the widespread struggles with housing affordability. “I’m so sorry you’re going through that and it’s a story we all hear right across the country, particularly in the bigger states around the big cities,” Butler said. He then noted that the government was working to bring immigration levels down to sustainable levels, but said that it is difficult to control departures of temporary residents. “What we’ve found after those efforts is that the arrival numbers have returned to about pre-Covid levels, but we’re not managing the exits – the people returning home after studying or short-term skilled work. We’re working very hard on that,” Butler explained. However, Cox appeared visibly frustrated, questioning why the government could not simply halt immigration until housing supply could meet demand. Former NSW Treasurer Matt Kean, also on the panel, argued that the issue was more complex than immigration alone. “The reality is that we need more housing supply," he said. "More supply into the system means more availability for renters, for homeowners – more choice.” He further criticised excessive bureaucracy in housing development. “There’s way too much red tape and green tape stopping housing developments, whether it’s Sydney, Melbourne, or right across Australia,” he added. As housing affordability continues to be a pressing concern for many Australians, the government clearly faces increasing pressure to strike a balance between population growth and adequate housing solutions. Images: ABC

Money & Banking

"I'm not ready to go yet": Leading Aussie doctor given months to live

Leading melanoma researcher and Australian of the Year recipient Professor Richard Scolyer has revealed that he has only months to live following the return of his brain cancer. Diagnosed with incurable glioblastoma two years ago, Professor Scolyer chose to <a href="https://www.oversixty.com.au/health/caring/doctor-beats-cancer-using-his-own-treatment" target="_blank" rel="noopener">undergo an experimental immunotherapy treatment</a>, defying his initial six-month prognosis. His remarkable journey was documented in a study published in late February, detailing the innovative approach he helped pioneer. However, after undergoing surgery last week, doctors confirmed that the aggressive cancer had returned. “Unfortunately, there is a larger volume of quickly growing brain cancer (glioblastoma, IDH WT, unmethylated etc.) in my left brain,” Professor Scolyer shared in an emotional social media post on Monday. “The prognosis is poor. Whilst some of my recurrent tumour was removed last week, some of it couldn’t be because of its site.” Despite the devastating news, Professor Scolyer remains hopeful that the experimental treatment he volunteered for could pave the way for future medical breakthroughs. Alongside his colleague and friend, Professor Georgina Long, he was named a 2024 Australian of the Year for their groundbreaking work in melanoma research and immunotherapy advancements. “I greatly appreciate the support of all my family, friends, and colleagues who have been looking after me so well and the incredible research that has been performed,” he said. “I hope the latter will change the field and patient outcomes in the not too distant future.” In a heartfelt interview on A Current Affair with Ally Langdon on Monday, the father-of-three shared his decision to forgo further experimental treatments, choosing instead to spend his remaining time with his loved ones. “It could help, but my heart’s not in the same place as what it was before,” he admitted. “It’s not fair, but there’s a lesson for everyone … make the most of every day because you don’t know what’s around the corner.” “I’m not ready to go yet. I love my life,” he said. “I guess I feel lucky that I’ve been able to go for so long without a recurrence of it.” Images: A Current Affair

Caring

Man who saved the lives of over 2 million babies dies aged 88

James Harrison OAM, the famous Australian blood donor who saved the lives of 2.4 million babies by donating his rare plasma, has died aged 88. Australian Red Cross Lifeblood has confirmed that Harrison died "peacefully" on February 17 at Peninsula Village Nursing Home on the NSW Central Coast. Harrison, also known as the Man with the Golden Arm, began donating in the 1950s became the world's most prolific blood and plasma donor thanks to his rare antibody, Anti-D, which helps mothers who are at risk of passing on deadly antibodies to their babies. Since he started donating at the age of 18, Harrison has donated 1173 times, continuing his kind act up until his retirement in 2018 aged 81. His family have since paid tribute to him, with his daughter Tracey Mellowship, remembering him as a generous soul. "James was a humanitarian at heart, but also very funny," she said. "In his last years, he was immensely proud to become a great grandfather to two beautiful grandchildren, Trey and Addison. "As an Anti-D recipient myself, he has left behind a family that may not have existed without his precious donations." Lifeblood Chief Executive Officer Stephen Cornelissen added that Harrison's impact has made a difference all around the world. "James was a remarkable, stoically kind, and generous person who was committed to a lifetime of giving and he captured the hearts of many people around the world," Cornelissen said. "It was James' belief that his donations were no more important than any other donors', and that everyone can be special in the same way that he was. "James extended his arm to help others and babies he would never know a remarkable 1173 times and expected nothing in return." "He leaves behind an incredible legacy, and it was his hope that one day, someone in Australia would beat his donation record," he added. "On behalf of Lifeblood, and the entire Australian community, we thank James for the incredible life- saving contribution he made and the millions of lives he saved." Harrison's rare blood and plasma may continue to save lives even after his death, with researches hoping they would be able to use his blood to develop lab-grown Anti-D. Image: Nine News

Caring

Oscars 2025: who will likely win, who should win, and who barely deserves to be there

<div class="theconversation-article-body"><a href="https://theconversation.com/profiles/ari-mattes-97857">Ari Mattes</a>, <a href="https://theconversation.com/institutions/university-of-notre-dame-australia-852">University of Notre Dame Australia</a> We’ve probably all had a moment when we stopped taking the Oscars too seriously. For me, it was when Denzel Washington <a href="https://www.forbes.com/sites/timlammers/2024/05/02/why-denzel-washington-once-told-a-co-star-losing-an-oscar-is-better/#:%7E:text=Washington's%20second%20Oscar%20win%20%E2%80%94%20which,called%20at%20the%20Academy%20podium.">won best actor</a> for Training Day (2001), a crime film in which he displays virtually none of his acting chops. And as popular cinema becomes uglier (it’s mostly shot on digital video now, which almost never looks as good as film) and streamers (or logistics companies such as Amazon) take over film production, it’s becoming increasingly difficult to appreciate the point of the ceremony. From this year’s ten nominees for best picture, The Brutalist, Conclave and I’m Still Here are good – while (most of) the other nominees are only okay. <h2>Some well-made films, but nothing outstanding</h2> Writer-director Sean Baker’s Anora is nominated for best picture this year, after already <a href="https://aframe.oscars.org/news/post/2024-cannes-film-festival-winners-list-palme-dor">winning the Palme d’Or</a>. It’s a moderately sweet film in the tradition of Pretty Woman – having more nudity and sex, and a disappointing ending, doesn’t automatically make it edgier. It’s too long by at least half an hour, with some okay performances. It’s certainly not bad, but the idea that this is one of the “best pictures” of 2024 is alarming – or would be, if I wasn’t already so cynical. Most importantly, there’s nothing formally or aesthetically compelling about it, in which case I might have forgiven the silly (anti) Cinderella story. <figure><iframe src="https://www.youtube.com/embed/vgrXTvL_l_c?wmode=transparent&start=0" width="440" height="260" frameborder="0" allowfullscreen="allowfullscreen"></iframe></figure> Another nominee, A Complete Unknown, is similarly well-made. Timothée Chalamet gives a predictably moody performance as Bob Dylan, and it’s fun to learn something about the relationships between Dylan and musical legends Joan Baez and Pete Seeger. But there’s also something fundamentally weird about watching a memoir about a person as iconic as Dylan. It veers too often into the terrain of impersonation, and this is even more off-putting given Dylan is still alive. Throw in Chalamet’s (certainly accomplished) singing of Dylan’s songs, and it feels like we’re watching someone do karaoke really well. <figure><iframe src="https://www.youtube.com/embed/FdV-Cs5o8mc?wmode=transparent&start=0" width="440" height="260" frameborder="0" allowfullscreen="allowfullscreen"></iframe></figure> The Substance tries to shock and titillate the viewer with its caricature of celebrity in an era of body modification and mega-media corporations. Demi Moore, Margaret Qualley and Dennis Quaid try hard to be funny, but the whole thing plays like an undergraduate essay that makes the same point ad nauseam. Though the actors surely had fun, there’s nothing compelling about their guffawing. This is also the problem with messy hybrid musical-thriller Emilia Pérez, the other over-the-top genre film tipped by some to win the award. The film, following a cartel leader who disappears and transitions into a woman, is overly dependent on making a point about the world outside of itself. This point is so obvious that it rapidly becomes tedious, with insufficient attention given to the formal and narrative tensions and ambiguities that compel an audience to engage with a film on a serious, visceral level. Dune: Part Two sounds and looks good, but is more meandering than Part One in developing Herbert’s unwieldy epic. If you liked Part One, you’ll probably like Part Two, but it’s not exactly cutting-edge material. <figure><iframe src="https://www.youtube.com/embed/Qlbr7gJgBus?wmode=transparent&start=0" width="440" height="260" frameborder="0" allowfullscreen="allowfullscreen"></iframe></figure> Nickel Boys is a low-key, sentimental rendition of Colson Whitehead’s novel about two African American boys sent to a reform school in Florida in the early 1960s, and their coming of age as they survive myriad abuses. It’s watchable, if not particularly memorable. Finally, Wicked is, well … Wicked. If you like the musical you may like the film (although the live aspect of musicals makes this one play better on the stage than on the screen, unlike The Wizard of Oz, which was made for the screen). In any case, it’s not ridiculously bad, even though it is too long. <h2>A few top contenders</h2> Walter Salles’ I’m Still Here – which traces the struggle of an activist in Brazil after the forced disappearance of her husband in 1970 – works well in its evocation of place and time, and should soften the heart of even the most cynical viewer. Based on Marcelo Rubens Paiva’s 2015 memoir, the entire film is washed over with a faint scent of nostalgia that complements the idea of failing to find, and then remembering, that which is missing. <figure><iframe src="https://www.youtube.com/embed/gDunV808Yf4?wmode=transparent&start=0" width="440" height="260" frameborder="0" allowfullscreen="allowfullscreen"></iframe></figure> Conclave, adapted from Robert Harris’ novel, is another solidly made affair. It follows the political machinations of the Vatican as the Dean of Cardinals sets up a conclave to elect a new pope after the previous one dies of a heart attack. Ralph Fiennes is as effective and sombre as usual in the lead role as Cardinal Lawrence and various twists and turns keep us watching throughout. But one suspects the primary pleasure of the film is that it seems to offer an insider’s view of the Vatican, including all the fetishistic processes and rituals. Despite its serious tone, Conclave is a fun romp. And what a pleasure it is to watch Isabella Rossellini on the big screen once again. <h2>The strongest nominee</h2> The film that is most classically like a best picture nominee is The Brutalist – an epic, visually-magnificent study of the struggles of (fictional) architect László Toth, a Hungarian Jew who moves to America following the Holocaust. <figure><iframe src="https://www.youtube.com/embed/GdRXPAHIEW4?wmode=transparent&start=0" width="440" height="260" frameborder="0" allowfullscreen="allowfullscreen"></iframe></figure> Testament to the technical accomplishments of the film, and its superb creation of a coherent world, The Brutalist runs close to four hours (thankfully with an intermission) without becoming tedious. It chugs along with the relentless momentum of a steam engine. Adrien Brody is charming as Toth, endowing the character with a roguish and playful quality, and the supporting cast are solid. Akin to one of Toth’s constructions (as we hear in the epilogue section), the film neither indicates nor tells us anything beyond itself. There may be conclusions to be drawn regarding the relationship between art, power and capitalism, but the film gives you the space to devise these yourself. The film is, in a sense, beautifully mute. Out of all the nominations, The Brutalist is the only one that feels like a genuine best picture contender (with something of the grandeur of classical Hollywood cinema about it). Although many critics <a href="https://www.hollywoodreporter.com/movies/movie-features/oscars-2025-who-will-win-should-win-1236146220/">are</a> <a href="https://variety.com/lists/2025-oscars-predictions/">predicting</a> Anora will win, The Brutalist is the strongest of the nominees. That said, my pick for the best film of 2024 goes to a production that didn’t get a best picture nomination (as usual). Magnus von Horn’s The Girl With the Needle is a stunning Danish expressionistic nightmare that seamlessly integrates formal experimentation with a thrilling and horrific true crime narrative. It is absolutely sensational – the kind of thing you never forget. Thankfully, it has been recognised through its nomination for best international feature film.<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/250783/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <figure><iframe src="https://www.youtube.com/embed/NdjhUNH5v3Q?wmode=transparent&start=0" width="440" height="260" frameborder="0" allowfullscreen="allowfullscreen"></iframe></figure> <a href="https://theconversation.com/profiles/ari-mattes-97857">Ari Mattes</a>, Lecturer in Communications and Media, <a href="https://theconversation.com/institutions/university-of-notre-dame-australia-852">University of Notre Dame Australia</a> Image credits: Brookstreet Pictures 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/oscars-2025-who-will-likely-win-who-should-win-and-who-barely-deserves-to-be-there-250783">original article</a>. </div>

Movies

"Why are you attacking my dad?": I'm A Celeb finalist reveals behind-the-scenes heartbreak

The emotional on-air reunion between I’m A Celebrity... Get Me Out of Here contestant Matty J and his wife, Laura Byrne, along with their two children, Marlie-Mae and Lola Ellis, was a heartwarming moment <a href="https://www.oversixty.com.au/entertainment/tv/abrupt-viewers-stunned-by-i-m-a-celeb-winner-s-reveal" target="_blank" rel="noopener">during Sunday’s finale</a>. However, behind the scenes, Byrne has opened up about the significant challenges she faced while participating in the momentous event. In the lead-up to the finale, Byrne undertook an exhausting journey from Sydney to South Africa with their two young daughters. Speaking on the Life Uncut podcast, she detailed the arduous travel experience, which involved “three separate flights” and 24 hours of transit. “That in itself was really hard," she said. "It was like 24 hours by the time we got door to door. Midnight transfer with two children who were absolutely f***ing ropable.” The long journey was only the beginning of the difficulties though. Upon arrival, Byrne and the children had to share a single room with inadequate sleeping arrangements, all while preparing for a demanding day on set. Byrne also revealed that the experience of managing two young children on a chaotic production set was overwhelming. “I felt like I was the emotional buffer between the children and production … I felt like I’d just been flogged for days. It was hard. It was really hard for me,” she said. During the finale, Matty J and his fellow top three contestants – Big Brother star Reggie Bird and retired NRL player Sam Thaiday – were reunited with their families before participating in the final challenge. While this was an exciting moment for viewers, it was an emotionally challenging experience for the family. Matty J recalled the moment he had to part ways with his children soon after reuniting. “When we had our reunion, it was maybe half an hour I think where we had time together and then they’ve got to pull us apart,” he said. “The kids don’t get it, the kids don’t understand. They’re like, ‘I’ve just met my dad, and then I’ve got to go.’ And then we did that trial where we had to have s**t poured on our heads, and Lola’s in tears being like, ‘Why are you attacking my dad?’” Byrne explained that their children were repeatedly reunited with their father, only to be separated again. This happened three times – during the initial reunion, the final trial and then the announcement of the winner. The constant cycle of emotional reunions and abrupt separations took a toll, particularly on their youngest daughter, Lola. After the winner was announced, Byrne and the children expected Matty J to return home with them, but he was kept on set for several more hours. “They kept Matt on set until 6 o’clock and we went home earlier. And it was so hard on Lola particularly,” Byrne revealed. “And then I had to deal with her big emotions around ‘Why is my daddy not coming home?’ And it felt like this unfair false start.” She admitted that the combination of exhaustion, sleep deprivation and trying to manage the emotional needs of their children made the experience incredibly difficult. Byrne also shared that she had been against Matty J’s participation in the reality show right from the outset. “I wasn’t a supporter of it in the first place,” she admitted, reinforcing that the experience had only confirmed her concerns. Even Matty J himself struggled with the demands of the show. He confessed that he broke down early in his time at camp, an emotional moment that wasn’t shown on TV. “I just burst out crying, and I was like, ‘I f**king cannot do this,’” he recalled, explaining that a moment of solitude while washing dishes left him questioning his decision. “What have I f**king done? This is a nightmare.” It appears that, for the Byrne-Johnson family, what seemed like a joyful televised reunion was, in reality, a deeply exhausting and emotional ordeal. Images: Network 10

Man whose partner lost $1.6 BILLION at a rubbish tip now wants to buy the entire dump

In what can only be described as the most expensive game of "Where’s Wally?" ever attempted, James Howells, 39, is continuing his decade-long battle to recover a hard drive that contains 8,000 bitcoins – now worth a staggering $1.6 billion AUD – from a landfill site in Newport on the southwest coast of Wales. The saga began in 2013 when Howells’ partner, in a move that will forever be known as the most expensive spring cleaning mishap of all time, accidentally tossed out the hard drive. Since then, Howells has been on a mission to reclaim his digital treasure from what is now essentially a very smelly version of Fort Knox. However, Newport City Council has repeatedly refused his requests to excavate the site, citing environmental concerns and, possibly, an extreme reluctance to deal with a man on a personal mission to unearth a high-tech pirate's chest. A recent legal bid to force the council’s hand was swiftly dismissed by the UK High Court, with the judge describing Howells’ plight as "akin to looking for a needle in a haystack" – though in this case, the haystack is 1.4 million tonnes of garbage, and the needle is worth more than most small countries’ GDP. But Howells refuses to be deterred. His latest plan? If he can’t dig through the dump, he’ll just buy it. Yes, the father-of-three is now looking to purchase the landfill site outright, a bold strategy that has left both financial analysts and waste management professionals scratching their heads. “I have discussed this option recently with investment partners, and it is very much on the table,” he told the BBC. This development adds a fascinating twist to the drama, as parts of the landfill are slated to be turned into a solar farm in the coming years. In what might be the most ironic plot twist in financial history, the very place where Howells’ fortune lies buried could soon be used to power the homes of Newport – while he continues to live in metaphorical darkness. “If they had just worked with me, Newport could have looked like Las Vegas or Dubai,” Howells lamented, apparently envisioning a city built on the back of Bitcoin-funded extravagance rather than well-placed street lamps and reliable waste collection. Despite his enthusiasm, Newport City Council remains unswayed. “Excavation is not possible under our environmental permit,” a council spokesman reiterated, likely while rolling his eyes for the hundredth time. “Mr Howells’s claim has no merit, and the council is vigorously resisting it.” Undeterred, Howells insists he has a team of AI experts ready to streamline the search, making the job “as easy as possible”. As things stand, it appears that for now, Newport’s garbage will remain just that – garbage. But if one thing is certain, it’s that Howells is not giving up anytime soon. Whether his future includes billions in Bitcoin riches or simply a very expensive pile of rubbish remains to be seen. Image: Supplied

Money & Banking

"Abrupt!": Viewers stunned by I'm A Celeb winner's reveal

After a gruelling month of bug-eating, celebrity bonding and questionable jungle hygiene, Season 11 of I’m A Celebrity! … Get Me Out of Here wrapped up in a fashion so abrupt that even the credits seemed caught off guard. And the winner is… Sam Thaiday! The former Brisbane Broncos NRL player has joined an elite group of reality TV champions, becoming the sixth man (and fourth pro athlete) to claim the jungle crown. A remarkable feat, though fans barely had time to process it before the show’s ending hit like an unexpected power outage. Thaiday’s victory was followed by what can only be described as the world’s fastest television sign-off. No emotional speech, no teary gratitude, no dramatic last look at the jungle – just the words “Sam Thaiday wins” and a sudden, jarring cut to whatever program followed (presumably an infomercial about knives that never go dull). Viewers, understandably, were left bewildered. Social media reactions ranged from “abrupt” to “anticlimactic”, with one user likening the finale to “watching the season finale of Game of Thrones, only with fewer dragons and more termites”. Adding to the mystery, Thaiday, fellow contestant Matty J and host Julia Morris were spotted arriving at Sydney Airport earlier on Sunday – while the live finale was still airing. Either they had access to a teleportation device, or I’m A Celeb filmed multiple endings, choose-your-own-adventure style, before hastily selecting the right one based on viewer votes. This wouldn’t be the first time reality TV pulled such a move, but it does raise a few questions – like, did Sam even know he won? Or was he as surprised as everyone else when he touched down in Sydney to find himself suddenly more famous? Thaiday’s triumph capped off a season filled with unexpected eliminations – Dave Hughes and Sigrid Thornton among them – and some genuinely emotional moments. The final three, including two-time Big Brother champion Reggie Bird and former Bachelor star Matty J, had their families visit in the finale, leading to a lot of misty eyes and possibly the jungle’s first recorded case of a crocodile shedding tears out of sympathy. While Thaiday took the title, Bird remained a sentimental favourite. Ahead of the season, she revealed that her $250,000 winnings from her 2022 Big Brother victory had gone toward staying afloat rather than securing her dream home. “I feel like I’m a mouse in one of those spinning wheels," she told news.com.au "I just can’t get off this vicious circle.” A brutally honest assessment that may also apply to viewers endlessly watching reality TV finales that don’t quite deliver the dramatic payoff they expect. She also spoke about the harsh reality of the housing market: “I went to the bank to get a loan and couldn’t, because you need to borrow well over half-a-million dollars to buy a house on the Gold Coast, and I don’t have a job. No-one wants to employ me because of my vision. I’ve been trying to get a job, but I just can’t get any work, so I can’t get a loan.” It’s a sobering reminder that even reality TV winnings can’t always buy real-world security. And perhaps a sign that the true ultimate survival challenge isn’t the jungle – it’s the Australian property market. As for Thaiday, whether his jungle win translates to bigger opportunities remains to be seen. But if nothing else, he now has bragging rights as the man who won I’m A Celeb so decisively, the show itself barely had time to process it. Images: Network Ten

Dave Hughes reveals I’m A Celeb weight loss

Dave Hughes spent 25 days in the jungle for this year's season of I'm A Celebrity...Get Me Out of Here! and despite being eliminated, his three-and-a-half weeks of camp life had a staggering effect on his body. “I lost eight kilos and I’m stronger now than when I went in there,” he told news.com.au. He explained that when he first joined the show he struggled to do laborious tasks like carrying a crate of firewood back to camp without assistance. “I’d be holding one side of the crate while my fingers almost snapped off, with another burly bloke like (former NRL player) Sam Thaiday on the other side,” he said. “But by the end of the month, I’m carrying the whole crate on my own. My fingers are loving the task. I’m just living my best life.” He also made progress in the "jungle gym" a workout station contestants could use to keep fit. “There was a bench press there and on the first day, the heaviest weights, I could do 20 (reps). On the day I got kicked out, I did 52," he said. “Sam (Thaiday) says I now look like a pregnant greyhound … I think that’s a compliment, so I’m happy," he said. Image: I'm A Celeb/ news.com.au

Body

Radio host reveals "ridiculous" amount he was offered for I'm a Celeb

Beau Ryan has revealed the "ridiculous" amount of money he was offered to appear on I'm a Celebrity... Get Me out of Here! The radio presenter and former NRL player has appeared on a plethora of reality TV programs since retiring from NRL in 2014, including Dancing with the Stars, Top Gear Australia, Gladiators and The Amazing Race. While speaking with <a href="https://www.news.com.au/entertainment/tv/radio/beau-ryan-offered-ridiculous-amount-for-tv-show/news-story/9726320fdc4af29266cb5ca462c8ce59" target="_blank" rel="noopener">news.com.au</a> to promote his new radio gig on Triple M, the 39-year-old opened up about his showbiz career and revealed he actually turned down his most lucrative offer. “I got asked to do the first six (seasons) of I’m a Celeb,” Ryan said. “The money for the second season, it was more than I’ve ever seen.” Ryan admitted that the offer, which was worth more than $500,000, came at a time when Network 10 was keen to attract big names for the relatively unknown show in its early seasons. “The money was big … because everyone didn’t know how the show was going to pan out,” he said. “Back then it was a lot more money and it was a ridiculous amount.” He revealed that he turned down the offer because he was contracted to work with Nine at the time, and it wasn't until 2022 that he jumped ship to Network Ten that he agreed to appear on the show for far less money. “I said (to Ten), ‘do you still have that offer from 2015 or 16?’ and they said, ‘no, we don’t,’” he laughed. Ryan was in the jungle for two weeks, quitting the show with just a few days to go because he was “mentally cooked and physically drained”. Beau also candidly shared that he’s rejected a number of other TV offers over the years, including Celebrity Apprentice, The Masked Singer and SAS Australia. “My kids love The Masked Singer … and were filthy when I said no to that,” Ryan laughed. “(But) I couldn’t do it because of timing and because I can’t sing.” Image credits: Ten / Instagram

Money & Banking

Most retirees who rent live in poverty. Here’s how boosting rent assistance could help lift them out of it

<div class="theconversation-article-body"><a href="https://theconversation.com/profiles/brendan-coates-154644">Brendan Coates</a>, <a href="https://theconversation.com/institutions/grattan-institute-1168">Grattan Institute</a>; <a href="https://theconversation.com/profiles/joey-moloney-1334959">Joey Moloney</a>, <a href="https://theconversation.com/institutions/grattan-institute-1168">Grattan Institute</a>, and <a href="https://theconversation.com/profiles/matthew-bowes-2316740">Matthew Bowes</a>, <a href="https://theconversation.com/institutions/grattan-institute-1168">Grattan Institute</a> Most Australians can look forward to a comfortable retirement. More than three in four retirees own their own home, most report feeling comfortable financially, and few suffer financial stress. But our new Grattan Institute <a href="https://grattan.edu.au/report/renting-in-retirement-why-rent-assistance-needs-to-rise/">report</a> paints a sobering picture for one group: retirees who rent in the private market. Two-thirds of this group live in poverty, including more than three in four single women who live alone. <hr /> <iframe id="x2VND" class="tc-infographic-datawrapper" style="border: 0;" src="https://datawrapper.dwcdn.net/x2VND/" width="100%" height="400px" frameborder="0" scrolling="no"></iframe> <hr /> Retirees who rent often have little in the way of retirement savings: more than half have less than A$25,000 stashed away. And a growing number of older Australians are at risk of becoming homeless. But our research also shows just how much we’d need to boost Commonwealth Rent Assistance to make housing more affordable and ensure all renters are able to retire with dignity. <h2>Today’s renters, tomorrow’s renting retirees</h2> Home ownership is falling among poorer Australians who are approaching retirement. Between 1981 and 2021, home ownership rates among the poorest 40% of 45–54-year-olds fell from 68% to just 54%. Today’s low-income renters are tomorrow’s renting retirees. Age pensioners need at least $40,000 in savings to afford to spend $350 a week in rent, together with the <a href="https://www.servicesaustralia.gov.au/age-pension">Age Pension</a> and <a href="https://www.servicesaustralia.gov.au/rent-assistance">Rent Assistance</a>. That’s enough to afford the cheapest 25% of one-bedroom homes in capital cities. But Australians who are renting as they approach retirement tend to have little in the way of retirement savings. 40% of renting households aged 55-64 have net financial wealth less than $40,000. <h2>Rent assistance is too low</h2> Our <a href="https://grattan.edu.au/report/renting-in-retirement-why-rent-assistance-needs-to-rise/">research</a> shows that Commonwealth Rent Assistance, which supplements the Age Pension for poorer retirees who rent, is inadequate. The federal government has <a href="https://ministers.treasury.gov.au/ministers/jim-chalmers-2022/speeches/budget-speech-2024-25">lifted the maximum rate of Rent Assistance</a> by 27% – over and above inflation – in the past two budgets. But the payment remains too low. A typical single retiree needs at least $379 per week to afford essential non-housing costs such as food, transport and energy. But we found a single pensioner who relies solely on income support can afford to rent just 4% of one-bedroom homes in Sydney, 13% in Brisbane, and 14% in Melbourne, after covering these basic living expenses. With Rent Assistance indexed to inflation, rather than low-income earners’ housing costs, the maximum rate of the payment has increased by 136% since 2001, while the rents paid by recipients have increased by 193%. <h2>A boost is needed</h2> Our analysis suggests that to solve this problem, the federal government should increase the maximum rate of Rent Assistance by 50% for singles and 40% for couples. The payment should also be indexed to changes in rents for the cheapest 25% of homes in our capital cities. These increases would boost the maximum rate of Rent Assistance by $53 a week ($2,750 a year) for singles, and $40 a week ($2,080 a year) for couples. This would ensure single retirees could afford to spend $350 a week on rent, enough to rent the cheapest 25% of one-bedroom homes across Australian capital cities, while still affording other essentials. Similarly, retired couples would be able to afford to spend $390 a week on rent, enough to rent the cheapest 25% of all one- and two-bedroom homes. <hr /> <iframe id="EZBuw" class="tc-infographic-datawrapper" style="border: 0;" src="https://datawrapper.dwcdn.net/EZBuw/" width="100%" height="400px" frameborder="0" scrolling="no"></iframe> <hr /> <h2>Unlikely to push up rents</h2> One common concern is that increasing Rent Assistance will just lead landlords to hike rents. But we find little evidence that this is the case. International studies suggest that more than five in six dollars of any extra Rent Assistance paid would benefit renters, rather than landlords. <hr /> <iframe id="qGxQE" class="tc-infographic-datawrapper" style="border: 0;" src="https://datawrapper.dwcdn.net/qGxQE/" width="100%" height="400px" frameborder="0" scrolling="no"></iframe> <hr /> In Australia, there’s little evidence that recent increases in Rent Assistance have pushed up rents. Our analysis of NSW rental bond lodgement data suggests areas with higher concentrations of Rent Assistance recipients did not see larger rent increases in the year after the payment was boosted. That’s not surprising. Rent Assistance is paid to tenants, not landlords, which means tenants are likely to spend only a small portion of any extra income on housing. Since rates of financial stress are even higher among younger renters, we propose that any increase to Rent Assistance should also apply to working-age households. Boosting Rent Assistance for all recipients would cost about $2 billion a year, with about $500 million of this going to retirees. These increases could be paid for by further <a href="https://grattan.edu.au/report/super-savings-practical-policies-for-fairer-superannuation-and-a-stronger-budget/">tightening superannuation tax breaks</a>, <a href="https://grattan.edu.au/report/housing-affordability-re-imagining-the-australian-dream/">curbing negative gearing and halving the capital gains tax discount</a>, or counting more of the value of the family home in the Age Pension assets test.<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/249134/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/brendan-coates-154644">Brendan Coates</a>, Program Director, Housing and Economic Security, <a href="https://theconversation.com/institutions/grattan-institute-1168">Grattan Institute</a>; <a href="https://theconversation.com/profiles/joey-moloney-1334959">Joey Moloney</a>, Deputy Program Director, Housing and Economic Security, <a href="https://theconversation.com/institutions/grattan-institute-1168">Grattan Institute</a>, and <a href="https://theconversation.com/profiles/matthew-bowes-2316740">Matthew Bowes</a>, Associate, Housing and Economic Security, <a href="https://theconversation.com/institutions/grattan-institute-1168">Grattan Institute</a> Image credits: Shutterstock This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/most-retirees-who-rent-live-in-poverty-heres-how-boosting-rent-assistance-could-help-lift-them-out-of-it-249134">original article</a>. </div>

Money & Banking

Aussie mums rally behind woman who confronted daughter's bully

A group of mums have rallied behind a pregnant woman who <a href="https://oversixty.com.au/lifestyle/family-pets/mother-breaks-silence-after-confronting-daughter-s-bully" target="_blank" rel="noopener">stormed</a> into her daughter's classroom to confront the 12-year-old who was bullying her. The mother from Adelaide made headlines after she walked into her daughter's classroom at St Paul's College in Gillies Plains, north-east Adelaide, on Monday, where she launched into an expletive-ridden tirade at her daughter's bully. The mother told <a href="https://7news.com.au/news/sa/mother-of-adelaide-bullying-victim-speaks-out-after-angry-st-pauls-college-spray-caught-on-social-media--c-17621578" target="_blank" rel="noopener">Seven News</a> that she and her husband had pleaded with the school to intervene in her daughter's alleged bullying, but said that fell on deaf ears. "I don't want my daughter to be another statistic. I don't want to have to bury my child," she said. "She was crying, she was devastated that this child told her to go and hang herself." After the woman lashed out at her daughter's bully, she issued an apology saying, "What everybody has seen of me is not who I am as a mother or as a person." However, many thought she had nothing to apologise for, as many women rallied behind her online saying they would have done the same thing if their child was being bullied. Young mum and personal trainer Jess Dickson stood up for the woman, saying for a mum to "lose her s**** like that" shows that she genuinely believed her daughter's life was at stake. "The tonality, and the frustration, and the fear, and just the 'f*** you' in her voice it really shows that this was a final straw for this mum," she said in a TikTok video. "Now in the past year, multiple children have committed suicide because of bullying because no one stands up for them. Teachers and parents might not see it, and the parents of the bullies probably just say, 'Oh no, that's not my kid'." Many agreed with Ms Dickson's take, saying they would "rather attend court than their child's funeral". "Team Mumma Bear all the way... Personally, I would have been right there beside her if my kid was in the same school," one mum wrote. "Soooo on team Mama Bear. I fear I would be a bit more psychotic," another agreed. Image credits: Seven News

Family & Pets

Readers response: Who is your favourite Australian artist, writer, or musician?

We asked our readers who their favourite Australian artist, writer, or musicians are, and the response was overwhelming. Here's what they said about their favourite homegrown talents. Greg Curtin - Judith Durham. Her voice had an amazing quality. Julie Richardson - Australia has a number of top artists, my personal favourite is John Farnham. Gail Ladds - Russell Morris. Absolutely brilliant voice. Denise Houlihan - Such a tough one, so many great musicians, one under the radar was Mark Gillespie, he always made good music. Top of the voices would have to be John Farnham, but so many! Neil Watt - So many brilliant artists in this country. Joe Camilleri is a particular fave. Faye Inskip - My favourite writer is Fiona Macintosh...her books are well researched and well written. Catherine Borthwick - Any member of Powderfinger for sure! They were all brilliant. Vicki Coulta - John Farnham, Shirley from Skyhooks, Jimmy Barnes, Russell Morris, Michael Hutchence from INXS, Bon Scott from AC/DC and so many more! Dianne Strachan - John Williamson. Sue Pentecost - Delta Goodrem! Great singer. Image credits: Shutterstock

Music

Why the WHO has recommended switching to a healthier salt alternative

<div class="theconversation-article-body"> <a href="https://theconversation.com/profiles/xiaoyue-luna-xu-1388807">Xiaoyue (Luna) Xu</a>, <a href="https://theconversation.com/institutions/unsw-sydney-1414">UNSW Sydney</a> and <a href="https://theconversation.com/profiles/bruce-neal-69">Bruce Neal</a>, <a href="https://theconversation.com/institutions/george-institute-for-global-health-874">George Institute for Global Health</a> This week the <a href="https://www.who.int/news-room/events/detail/2025/01/27/default-calendar/launch-of-the-who-guideline-on-the-use-of-lower-sodium-salt-substitutes">World Health Organization</a> (WHO) released new guidelines recommending people switch the regular salt they use at home for substitutes containing less sodium. But what exactly are these salt alternatives? And why is the WHO recommending this? Let’s take a look. <h2>A new solution to an old problem</h2> Advice to eat less salt (sodium chloride) is not new. It has been part of international and Australian guidelines <a href="https://www.ahajournals.org/doi/full/10.1161/HYPERTENSIONAHA.123.21343?rfr_dat=cr_pub++0pubmed&url_ver=Z39.88-2003&rfr_id=ori%3Arid%3Acrossref.org">for decades</a>. This is because evidence clearly shows the sodium in salt can <a href="https://www.who.int/news-room/fact-sheets/detail/salt-reduction">harm our health</a> when we eat too much of it. Excess sodium increases the risk of high blood pressure, which affects millions of Australians (around <a href="https://www.aihw.gov.au/reports/risk-factors/high-blood-pressure/contents/summary">one in three adults</a>). High blood pressure (<a href="https://www.healthdirect.gov.au/high-blood-pressure-hypertension">hypertension</a>) in turn increases the risk of heart disease, stroke and kidney disease, among other conditions. The WHO estimates <a href="https://www.who.int/news-room/events/detail/2025/01/27/default-calendar/launch-of-the-who-guideline-on-the-use-of-lower-sodium-salt-substitutes">1.9 million deaths</a> globally each year can be attributed to eating too much salt. The WHO recommends consuming no more than <a href="https://www.who.int/news-room/fact-sheets/detail/salt-reduction">2g of sodium daily</a>. However people eat on average more than double this, around <a href="https://www.who.int/news-room/events/detail/2025/01/27/default-calendar/launch-of-the-who-guideline-on-the-use-of-lower-sodium-salt-substitutes">4.3g a day</a>. In 2013, WHO member states <a href="https://iris.who.int/bitstream/handle/10665/366393/9789240069985-eng.pdf?sequence=1">committed to reducing</a> population sodium intake <a href="https://www.who.int/news/item/09-03-2023-massive-efforts-needed-to-reduce-salt-intake-and-protect-lives">by 30% by 2025</a>. But cutting salt intake has proved very hard. Most countries, including Australia, will not meet the WHO’s goal for reducing sodium intake <a href="https://www.sciencedirect.com/science/article/pii/S2161831322004690?via%3Dihub_">by 2025</a>. The WHO has since <a href="https://www.who.int/news-room/events/detail/2025/01/27/default-calendar/launch-of-the-who-guideline-on-the-use-of-lower-sodium-salt-substitutes">set the same target for 2030</a>. The difficulty is that eating less salt means accepting a less salty taste. It also requires changes to established ways of preparing food. This has proved too much to ask of people making food at home, and too much for the food industry. <h2>Enter potassium-enriched salt</h2> The main lower-sodium salt substitute is called potassium-enriched salt. This is salt where some of the sodium chloride has been replaced with potassium chloride. Potassium is an <a href="https://www.healthdirect.gov.au/potassium">essential mineral</a>, playing a key role in all the body’s functions. The high potassium content of fresh fruit and vegetables is one of the main reasons they’re so good for you. While people are eating more sodium than they should, many don’t get enough potassium. The WHO recommends a daily potassium intake of 3.5g, but on the whole, people in most countries consume significantly <a href="https://www.ahajournals.org/doi/full/10.1161/HYPERTENSIONAHA.123.21343?rfr_dat=cr_pub++0pubmed&url_ver=Z39.88-2003&rfr_id=ori%3Arid%3Acrossref.org">less than this</a>. Potassium-enriched salt benefits our health by cutting the amount of sodium we consume, and increasing the amount of potassium in our diets. Both help to <a href="https://theconversation.com/this-salt-alternative-could-help-reduce-blood-pressure-so-why-are-so-few-people-using-it-221409">lower blood pressure</a>. Switching regular salt for potassium-enriched salt has been shown to <a href="https://heart.bmj.com/content/108/20/1608">reduce the risk</a> of heart disease, stroke and premature death in large trials around the world. Modelling studies have projected that population-wide switches to potassium-enriched salt use would prevent hundreds of thousands of deaths from cardiovascular disease (such as heart attack and stroke) each year in <a href="https://www.bmj.com/content/369/bmj.m824.long">China</a> and <a href="https://www.ahajournals.org/doi/10.1161/HYPERTENSIONAHA.122.19072?url_ver=Z39.88-2003&rfr_id=ori:rid:crossref.org&rfr_dat=cr_pub%20%200pubme">India</a> alone. The key advantage of switching rather than cutting salt intake is that potassium-enriched salt can be used as a direct one-for-one swap for regular salt. It looks the same, works for seasoning and in recipes, and most people don’t notice any important <a href="https://theconversation.com/this-salt-alternative-could-help-reduce-blood-pressure-so-why-are-so-few-people-using-it-221409">difference in taste</a>. In the <a href="https://www.nejm.org/doi/full/10.1056/NEJMoa2105675">largest trial</a> of potassium-enriched salt to date, more than 90% of people were still using the product after five years. <h2>Making the switch: some challenges</h2> If fully implemented, this could be one of the most consequential pieces of advice the WHO has ever provided. Millions of strokes and heart attacks could be prevented worldwide each year with a simple switch to the way we prepare foods. But there are some obstacles to overcome before we get to this point. First, it will be important to balance the benefits and the risks. For example, people with <a href="https://www.ahajournals.org/doi/full/10.1161/HYPERTENSIONAHA.123.21343?rfr_dat=cr_pub++0pubmed&url_ver=Z39.88-2003&rfr_id=ori%3Arid%3Acrossref.org">advanced kidney disease</a> don’t handle potassium well and so these products are not suitable for them. This is only <a href="https://pmc.ncbi.nlm.nih.gov/articles/PMC8177747/">a small proportion</a> of the population, but we need to ensure potassium-enriched salt products are labelled with appropriate warnings. A key challenge will be making potassium-enriched salt more affordable and accessible. Potassium chloride is more expensive to produce than sodium chloride, and at present, potassium-enriched salt is mostly sold as a niche health product at a <a href="https://publichealth.jmir.org/2021/7/e27423">premium price</a>. If you’re looking for it, <a href="https://www.georgeinstitute.org/switchthesalt#card-with-text-2166">salt substitutes</a> may also be called low-sodium salt, potassium salt, heart salt, mineral salt, or sodium-reduced salt. A <a href="https://pmc.ncbi.nlm.nih.gov/articles/PMC8319774/">review published in 2021</a> found low sodium salts were marketed in only 47 countries, mostly high-income ones. Prices ranged from the same as regular salt to almost 15 times higher. An expanded supply chain that produces much more food-grade potassium chloride will be needed to enable wider availability of the product. And we’ll need to see potassium-enriched salt on the shelves next to regular salt so it’s easy for people to find. In countries like Australia, about 80% of the salt we eat comes from <a href="https://www.foodstandards.gov.au/consumer/nutrition/sodium-salt/salthowmuch">processed foods</a>. The WHO guideline falls short by not explicitly prioritising a switch for the salt used in food manufacturing. Stakeholders working with government to encourage food industry uptake will be essential for maximising the health benefits.<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/248436/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/xiaoyue-luna-xu-1388807">Xiaoyue (Luna) Xu</a>, Scientia Lecturer, School of Population Health, <a href="https://theconversation.com/institutions/unsw-sydney-1414">UNSW Sydney</a> and <a href="https://theconversation.com/profiles/bruce-neal-69">Bruce Neal</a>, Executive Director, George Institute Australia, <a href="https://theconversation.com/institutions/george-institute-for-global-health-874">George Institute for Global Health</a> Image credits: Shutterstock This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/why-the-who-has-recommended-switching-to-a-healthier-salt-alternative-248436">original article</a>. </div>

Body

Want your loved ones to inherit your super? Here’s why you can’t afford to skip this one step

<div class="theconversation-article-body"><a href="https://theconversation.com/profiles/tobias-barkley-1271340">Tobias Barkley</a>, <a href="https://theconversation.com/institutions/la-trobe-university-842">La Trobe University</a> What happens to our super when we die? Most Australians have superannuation accounts but about <a href="https://www.austlii.edu.au/cgi-bin/viewdoc/au/journals/SydLawRw/2024/10.html#Heading24">one in five</a> of us die before we can retire and actually enjoy that money. If we do die early our money is paid out as super “death benefits”. They can be substantial. Even people who die young can have $200,000–$300,000 of death benefits through <a href="https://moneysmart.gov.au/how-life-insurance-works/insurance-through-super">super life insurance</a>. Death benefits have recently been in the news for all the wrong reasons. Last week <a href="https://ministers.treasury.gov.au/ministers/jim-chalmers-2022/media-releases/mandatory-service-standards-superannuation-industry">the Treasurer Jim Chalmers</a> expressed concern about delays paying out death benefits. <a href="https://lawcouncil.au/resources/submissions/proposed-reform-to-superannuation-death-benefits">The Law Council</a> is concerned people do not have enough control over how death benefits are distributed. <a href="https://www.watoday.com.au/national/western-australia/championing-for-molly-perth-mum-s-milestone-in-her-quest-for-justice-20241206-p5kwiu.html">Others are devastated</a> about death benefits being paid to alleged violent partners. <h2>How can you decide who gets your unspent super?</h2> Our first thought might be writing it in our will. However, super is not covered by our will as it does not become part of our <a href="https://www.austlii.edu.au/cgi-bin/viewdoc/au/cases/cth/FCA/2001/1535.html">deceased estate</a>. Instead, death benefits are distributed by the trustee of your superannuation fund. Under the law, there are two main mechanisms controlling distribution: <a href="https://www.australiansuper.com/superannuation/access-your-super-early/nominate-a-beneficiary#:%7E:text=A%20binding%20nomination%20instructs%20AustralianSuper,the%20date%20we%20accept%20it.&text=Lapsing%20binding%20nomination%20%E2%80%93%20This%20nomination,date%20you%20sign%20the%20form.">binding nominations</a> and the trustee’s discretion. Every super member has the option to create a binding nomination. It’s like a will for your super that the super trustee is obliged to follow. It also needs two witnesses to execute it. However, there are actually more ways for a binding nomination to fail than for a will to fail. The law only allows you to nominate certain people: your “<a href="https://www.lawsociety.com.au/resources/resources/my-practice-area/elder-law/superannuation-FAQs#collapse_165">dependants</a>” or your estate. If you nominate anyone else your entire nomination stops being binding. Plus, unlike wills, there is no way to fix execution errors. Also, many binding nominations expire after three years. If you don’t have a binding nomination, then the trustee can choose who your death benefit goes to. There are two main mechanisms controlling how the trustee chooses who gets your death benefit. First, <a href="https://treasury.gov.au/sites/default/files/2019-03/c2019-t371937-discussion-paper.pdf">legislation</a> requires the trustee to give the death benefit to your dependants or deceased estate before anyone else. This means that your parents, for example, will only receive something if you have no children, partner or other dependants. Second, decisions made by trustees can be disputed by complaining to the <a href="https://www.afca.org.au/">Australian Financial Complaints Authority (AFCA)</a>. The authority has a rigid approach to who should get death benefits and trustees usually follow this course of action. <a href="https://openjournals.library.sydney.edu.au/SLR/article/view/20199">Research I’ve done with Xia Li</a> of La Trobe University reveals what AFCA does in practice. Most crucially, people’s wishes expressed in non-binding nominations were essentially ignored. Our research found there was no statistically significant association between being nominated in a non-binding nomination and receiving any of the death benefit. This was true even for recent nominations. Other factors the complaints authority ignores are family violence and financial need. In one case, five daughters provided evidence, including a police report, that their deceased mother was a victim of violence perpetrated by her new partner. <a href="https://service02.afca.org.au/CaseFiles/FOSSIC/701195.pdf">In keeping with the Federal Court, AFCA gave the alleged perpetrator</a> everything because he alone would have benefited from the deceased’s finances if she had lived. In another case, <a href="https://service02.afca.org.au/CaseFiles/FOSSIC/874050.pdf">the deceased’s adult son received nothing</a> despite living with disability and “doing it tough”. He had refused financial help so was not financially dependent. AFCA gave everything to the partner. AFCA ignores these factors because of one key issue. It places “<a href="https://service02.afca.org.au/CaseFiles/FOSSIC/832049.pdf">great weight</a>” on whether beneficiaries are financially dependent on the deceased. This means when choosing between a financial dependent – such as a new partner who shares home expenses with the deceased, and non-financial dependants, such as most adult children – AFCA will almost always give everything to the spouse. Relying on financial dependence can be arbitrary. Unlike in family law, a de facto partner <a href="http://www.austlii.edu.au/cgi-bin/viewdoc/au/legis/cth/consol_act/sia1993473/s10.html#spouse">does not need to be living with you for two years</a> before becoming entitled. For example, <a href="https://service02.afca.org.au/CaseFiles/FOSSIC/753556.pdf">in one case AFCA gave a partner of possibly only seven months</a> (and 41 years younger than the deceased) everything and the deceased’s three children aged 27–33 nothing. Also, AFCA treats any regular payment that supports daily living as financial dependence. For example, <a href="https://service02.afca.org.au/CaseFiles/FOSSIC/714258.pdf">a son paying A$100 a week board to parents means both parents are financially dependent on the son</a>. In another case, payments from the deceased to his brother of $5,000, $7,000 and $5,000 made over a year <a href="https://service02.afca.org.au/CaseFiles/FOSSIC/842323.pdf">was not financial dependence because they were irregular</a>. The whole process is slow. The average time it takes to resolve a death benefit case that goes to AFCA is nearly <a href="https://www.austlii.edu.au/cgi-bin/viewdoc/au/journals/SydLawRw/2024/10.html#Heading248">three years and the longest case I’ve seen took over six</a>. The only thing that you can do that will make a difference is execute a binding nomination; non-binding nominations are worthless. But take care to execute your binding nomination correctly (get legal advice) and leave reminders for yourself to review it every three years.<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/248019/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/tobias-barkley-1271340">Tobias Barkley</a>, Lecturer, <a href="https://theconversation.com/institutions/la-trobe-university-842">La Trobe University</a> Image credits: Shutterstock This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/want-your-loved-ones-to-inherit-your-super-heres-why-you-cant-afford-to-skip-this-one-step-248019">original article</a>. </div>

Money & Banking

Dave Hughes spills on worst A-list celeb interview

Dave Hughes has revealed the "rudest" A-list celebrity he's ever interviewed in the latest episode of I’m A Celebrity … Get Me Out of Here! The radio star was talking about all his celebrity interviews throughout the years with campmate Max Balegde, who then asked him: “I want you to be honest – who was the rudest?” “If we’re going to be honest … it hurts me to say it, but it’s … Ben Stiller. I was a big fan, and he was just a pain in the a**e," Hughes replied. Hughes then joked that he might've “ruined his Hollywood career” by calling out the A-list actor and director known for films like Zoolander and Meet the Parents. The radio broadcaster didn't reveal when he'd encountered Stiller or why the actor was a "pain in the a**e" . In the latest episode of I’m A Celebrity … Get Me Out of Here! former MAFS star Samantha Moitzi was the first of this season's contestants to be evicted from the jungle. Last week, Aussie TV legend Sigrid Thornton was the latest celeb to join the show in its 11th season. It's the first time the actress appeared in a reality show during her 40-year career, telling news.com.au: “I felt like if I was going to say yes to a challenge like this, then this was the time for me. I mean, I’ve never done reality television; I’ve never done anything remotely like this.” “But I don’t hold any particular judgement around it; I’ve removed all potential judgement because I don’t know what it’s going to be. All I know is that it will be extraordinary, exciting, unexpected, and I hope a little bit wonderful.” Image: I'm A Celeb/ 10

Readers response: Who's your favourite vocalist of all time?

We asked our readers who their favourite vocalist of all time is, and the response was overwhelming. Here's what they said. Regina Johnson - Barbra Streisand. Vicki Bell - Roy Orbison, hands down. Anne Denise Houghton - I think it’s a tie between Roy Orbison and Freddie Mercury. Christine Phillips - Elvis Presley. That was voice straight out of heaven. Barbara Moretti - Luciano Pavarotti and Barbra Streisand. Marilyn Sheldrick - Tom Jones. Sue McKinnon - Eric Clapton, plus his guitar ability! Kristeen Collison - John Farnham! Australian legend. Lyn Gardiner - Male: Elvis. Female: Karen Carpenter and Linda Ronstadt. Can't separate them. Mary Bartlett - Don Williams, the gentle giant. Deb Wagner - Leonard Cohen. Cheryl Barrett - Freddie Mercury hands down. Peter Brady - Aretha Franklin. Karen Turner - Rod Stewart, Robbie Williams and John Farnham. Image credits: Shutterstock

Music

Man who worked on Harbour Bridge climbs iconic landmark

An elderly man who worked on the Sydney Harbour Bridge 60 years ago has returned to Australia to climb the iconic landmark. Irishman Patrick Lonergan, 82, was part of a team of men who painted the Harbour Bridge in the 1960s as part of its yearly maintenance. Lonergan then returned to his native Ireland after his work in Sydney and has dreamed of returning ever since. Now in his 80s, the Sydney Bridge Climb official Instagram page has shared that Patrick has ticked off his bucket list dream of climbing the Harbour Bridge. "We’re honoured to have played a small role in helping him relive those special memories and capture a new photo on the Bridge," the account wrote. <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/DE4XDIMvCgm/?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/DE4XDIMvCgm/?utm_source=ig_embed&utm_campaign=loading" target="_blank" rel="noopener">A post shared by BridgeClimb Sydney (@bridgeclimb)</a> </div> </blockquote> The Instagram page then shared a photo of Patrick from when he was in his 20s standing atop the bridge when he was enlisted to paint, and also a photo snapped after he completed his climb. The post racked up thousands of likes, with dozens of comments praising Patrick's efforts for completing the climb. One person wrote, "Blimey!!! No OH&S precautions back in those days! Welcome back to Oz, Paddy," while another added, "What a fantastic story. Well done Patrick!" Image credits: Instagram - Bridge Climb

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Man who worked on Harbour Bridge climbs iconic landmark

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