Placeholder Content Image

Tourism hotspot in Italy attracts attention for selling strange souvenir

<p dir="ltr">Italy’s picturesque region of Lake Como has started selling a unique souvenir, making many people raise their eyebrows. </p> <p dir="ltr">The north Italian tourist hotspot has long been known for being the backdrop of many Hollywood films, while also hosting countless celebrity weddings, with many famous faces owning houses in the region. </p> <p dir="ltr">For those travelling to the stunning Lake Como and wanting to purchase a souvenir to remind them of their travels, you can now forgo the classic keyring or magnet for a more unique souvenir item.</p> <p dir="ltr">Communications company ItalyComunica says it has bottled the very air of Italy’s picturesque Lake Como and is selling these cans for €9.90 ($16 AUD) apiece.</p> <p dir="ltr">Each can is said to contain 400 millilitres of “100% authentic air” collected from Lake Como, with the website stating buyers can “Open it whenever you need a moment of escape, tranquillity, or simply beauty.”</p> <p dir="ltr">In an attempt to capitalise on the ever-growing visitor numbers, marketing specialist Davide Abagnale originally created the e-commerce site to sell dedicated Lake Como posters, before delving into the world of the unique souvenirs. </p> <p dir="ltr">His latest initiative of selling canned air aims to “create a souvenir that could be easily transported in a suitcase for tourists” and “something original, fun and even provocative.” </p> <p dir="ltr">Abagnale told <em><a href="https://edition.cnn.com/2024/11/04/travel/lake-como-air-cans-on-sale-intl-scli/index.html">CNN</a></em>, “It’s not a product, it’s a tangible memory that you carry in your heart,” adding that once tourists are home and have opened the can, they can repurpose it as a souvenir pen holder or plant holder. </p> <p dir="ltr">Not everyone was first onboard with the idea, as Como mayor Alessandro Rapinese said it wouldn’t be his first idea for tourists, and would prefer they take home other souvenirs, like the silk scarves the area is known for.</p> <p dir="ltr">“It’s a novel idea, but not for everyone,” he told <em>CNN</em>. “But as mayor of one of Italy’s most beautiful cities, if someone wants to take some of their air home, that’s fine as long as they also take beautiful memories of this area.”</p> <p dir="ltr"><em>Image credits: ItalyComunica/CNN/Shutterstock</em></p>

International Travel

Placeholder Content Image

World reacts as Donald Trump wins US election

<p>World leaders, celebrities and millions of Americans have shared their first reactions and messages of support - or messages of anger, upset and frustration - as Donald Trump claimed his victory in the US election. </p> <p>The Republican leader won both the electoral college vote and the popular vote, taking a hold of the majority of key swing states, as his victory just hours after the polls closed. </p> <p>The win will see Trump re-enter the White House in January as the 47th President, making him the only president to serve two non-consecutive terms in office. </p> <p>Reactions to the unprecedented win flooded online spaces, with world leaders sending their congratulations. </p> <p>Prime Minister Anthony Albanese said the election of the US president marked an important moment for Australia and the Asia Pacific region, and vowed to work closely with the Trump administration.</p> <p>“Australia and America are old allies and we are true friends,” he said. “Our nations are bound by a history of shared sacrifice, a commitment to common values and — above all — enduring respect and affection between our peoples."</p> <p>“I look forward to talking with President Trump and working with him in the best interests of both our nations.”</p> <p>Opposition Leader Peter Dutton also extended his congratulations to the Republican leader on behalf of the federal Coalition, describing the US as an “overwhelming force for good”.</p> <p>Unsurprisingly, Israel’s Prime Minister Benjamin Netanyahu was among the first to speak to Trump, writing on X, “Congratulations on history’s greatest comeback!”</p> <p>“Your historic return to the White House offers a new beginning for America and a powerful recommitment to the great alliance between Israel and America. This is a huge victory! In true friendship.”</p> <p>Elon Musk, petulant billionaire and owner of Twitter, also shared a series of memes on X, after he publicly endorsed Trump throughout his campaign. </p> <p>Among the posts is an image of Musk holding a bathroom sink photoshopped into the Oval Office with the caption "Let that sink in", a reference to how he marked his controversial takeover of X when it was still known as Twitter.</p> <p>Musk also shared a photo of a conversation he was having with Trump as votes were being counted.</p> <p>"The future is gonna be so [fire]," Musk said with American flag emojis.</p> <p>"The future is gonna be fantastic," he said in a follow up post with a photo of his recent SpaceX rocket test that Trump discussed at length, for some reason, in his declaration speech.</p> <p>Despite the messages of well wishes from world leaders, social media has been awash with messages of disbelief and anger since the victory was announced, with many American citizens anxious and scared about the next four years under Trump's controversial <a href="https://www.project2025.org" target="_blank" rel="noopener">Project 2025</a>, which will see mass deportations of immigrants, more tax cuts to the rich, harsher penalties for those seeking abortions or reproductive care, and unprecedented power in the hands of a President with authoritarian aspirations. </p> <p><em>Image credits: Brian Prahl/Shutterstock </em></p>

News

Placeholder Content Image

The most underrated Europe destinations to see in 2025

<p dir="ltr">When travellers usually decide to head to Europe on their next holiday, they tend to stick to the capital cities and major tourist attractions.</p> <p dir="ltr">However, there is a lot to be said for going off the beaten track and exploring hidden gems. </p> <p dir="ltr"><a href="https://www.timeout.com/europe/travel/most-underrated-travel-destinations-europe">Time Out</a> has made your next European getaway even easier, compiling a list of the 21 most underrated destinations to put on your 2025 travel bucket list. </p> <p dir="ltr">The influential guide shared their arguments for exploring the lesser known corners of Europe, writing, “This summer saw a series of anti-tourism demonstrations in European hotspots, as locals reached breaking point with years of overtourism; Amsterdam is cracking down on new hotels, Venice is set to double its tourist tax in 2025.”</p> <p dir="ltr">“So there's never been a better time to think outside the box for your travels – especially when so many incredible European spots are getting overlooked.”</p> <p dir="ltr">“These destinations have got everything you want from your next holiday, with the added bonus of far fewer people jostling to see the same attractions.”</p> <p dir="ltr">Coming in at number one on the list is the hidden gem of Ulcinj in Montenegro, which is located at the southern tip of the country.</p> <p dir="ltr">According to the Time out guide, Ulcinj “provides a different vibe to the more celebrated spots up north. Ulcinj’s Old Town is arguably the most dramatically situated in the country, and its beaches provide excitement and serenity in equal measure.”</p> <p dir="ltr">Check out the entire list of 21 underrated European destinations below. </p> <p dir="ltr">21. Ponza, Italy</p> <p dir="ltr">20. Pamukkale, Turkey</p> <p dir="ltr">19. Isles of Scilly, UK</p> <p dir="ltr">18. Landes, France</p> <p dir="ltr">17. Dordrecht, Netherlands</p> <p dir="ltr">16. Imotski Lakes, Croatia</p> <p dir="ltr">15. Banja Luka, Bosnia and Herzegovina</p> <p dir="ltr">14. Vilnius, Lithuania</p> <p dir="ltr">13. Faroe Islands</p> <p dir="ltr">12. Extremadura, Spain</p> <p dir="ltr">11. Tartu, Estonia</p> <p dir="ltr">10. Emilia-Romagna, Italy</p> <p dir="ltr">9. Cluj-Napoca, Romania</p> <p dir="ltr">8. Bergen, Norway</p> <p dir="ltr">7. Levi, Finnish Lapland</p> <p dir="ltr">6. Plovdiv, Bulgaria</p> <p dir="ltr">5. Vestmannaeyjar, Iceland</p> <p dir="ltr">4. Gozo, Malta</p> <p dir="ltr">3. Gerês, Portugal</p> <p dir="ltr">2. Aarhus, Denmark</p> <p dir="ltr" role="presentation">1. Ulcinj, Montenegro</p> <p dir="ltr"><em>Image credits: Shutterstock</em></p> <p></p>

International Travel

Placeholder Content Image

Most popular wedding song revealed

<p dir="ltr">A classic 1980s hit has been crowned the most popular wedding song according to a recent study. </p> <p dir="ltr">According to the new research by Breezit, an online wedding vendor search tool that collates data, Whitney Houston’s pop ballad <em>I Wanna Dance With Somebody</em> is the most popular song for couples tying the knot. </p> <p dir="ltr">The 1987 hit, which was on Houston’s second studio album, ‘<em>Whitney</em>’, appeared 484 times across the 2,000 wedding-themed Spotify playlists the company poured through, which contained a total of 49,091 songs.</p> <p dir="ltr">Among thousands of playlists, <em>I Wanna Dance With Somebody</em> featured on more than 24 per cent of those nuptial-centric compilations.</p> <p dir="ltr">Coming in second on the list of most popular wedding songs was ABBA’s 1976 worldwide hit <em>Dancing Queen</em>.</p> <p dir="ltr">“Music plays an incredibly important role in wedding celebrations, and it’s fascinating to see which songs are still hailed as wedding classics, even years after their initial release,” Arturas Asakavicius, co-founder and CEO of Breezit, told <em><a href="https://www.brides.com/all-time-most-popular-wedding-song-new-study-8733497">Brides</a></em>.</p> <p dir="ltr">“Wedding playlists can help create lasting memories” he added, “capturing both the joy of the dance floor and the romance of walking down the aisle. Certain songs have become intertwined with the celebration of a wedding, which is why some have become timeless classics for many couples’ big day.”</p> <p dir="ltr"><em>Image credits: Shutterstock </em></p> <p> </p>

Music

Placeholder Content Image

Readers response: What’s the most interesting cultural experience you've had while travelling?

<p>When travelling abroad, we are often exposed to new and fascinating cultures that can open our eyes to different ways of life.</p> <p>We asked our readers to share the most interesting cultural experience they've had while travelling, and the response was overwhelming. Here's what they said.</p> <p><strong>Sandra Beckett</strong> - Staying overnight in a Ger in Mongolia miles from anywhere, listening to Throat singing accompanied by two traditionally dressed musicians playing Horsehead fiddles. Also, travelling across Russia by train, visiting the Galapagos islands, Skara Brae in the Orkneys, the Hagia Sophia in Istanbul.</p> <p><strong>Denise Ryan</strong> - Listening to glorious classical music played in Havana’s Plaza de la Catedral and attending a stunning performance of Swan Lake in the Grand Theatre of Havana.</p> <p><strong>Deedee Cullum</strong> - Visiting Ypres in Belgium and staying the night so we could see the evening ceremony at the Menin gate.</p> <p><strong>Alison Davenport</strong> - 50 years ago visiting a Fijian village made me realise everyone didn't live like I did. Have been amazed at all travel experiences since.</p> <p><strong>Glenn Turton</strong> - Staying in a farmhouse in Normandy for a week. Visiting D-Day beaches and Mont St Michel from there and local villages and markets on the days between. Back to the farmhouse each night to cook local produce and sit by an open fire.</p> <p><strong>Karen Psaila</strong> - Sitting in a small ally sipping black sweet tea in Egypt looking at the pyramids and sphinx whilst camels are strolling by. Amazing.</p> <p><strong>Patricia Watson</strong> - Darwin. Spending a day with First Nation Women and Children in the bush and learning about food that grows and is edible in that area.</p> <p><strong>James Langabeer</strong> - This are my three top three most interesting cultural experiences.</p> <p>1. Japan's Tea Ceremony: Attending a traditional tea ceremony in Kyoto, Japan, where I learned about the intricate rituals and Zen Buddhism's influence.</p> <p>2. Indian Holi Festival: Celebrating Holi, the Festival of Colors, in Mumbai, India, surrounded by vibrant colors, music, and joyful locals.</p> <p>3. Moroccan Hammam: Experiencing a traditional Moroccan bathhouse (hammam) in Marrakech, where I discovered local customs and relaxation techniques.</p> <p><strong>Margaret Mason</strong> - Staying for a couple of days in a small, traditional village in China.</p> <p><em>Image credits: Shutterstock </em></p>

International Travel

Placeholder Content Image

"Most loathed woman in parliament": Karl Stefanovic grills Lidia Thorpe

<p>Karl Stefanovic has labelled Lidia Thorpe as “the most loathed woman in parliament” during a fiery interview on the <em>Today </em>show. </p> <p>The <em>Today </em>host interviewed the politician on Thursday morning, noting that her decision to <a href="https://www.oversixty.com.au/finance/legal/you-are-not-my-king-lidia-thorpe-interrupts-charles-parliament-house-visit" target="_blank" rel="noopener">heckle King Charles</a> was not winning her much support. </p> <p>“Lidia, good morning to you. Nice to see you. I think it’s fair to say you might very well be the most loathed woman in parliament in Canberra at the moment. And that’s really saying something,’’ Stefanovic said. </p> <p>However, the Senator had no regrets and said that she was used to being "the black sheep" of politics. </p> <p>“Oh, well, it’s just another day in the colony, Karl. I’m used to that treatment,” she said.</p> <p>“You know. I am the black sheep of the family, if you like. But I wanted to send a message to the King. I got that message across. The whole world is talking about it.</p> <p>“And my people are happy because my people have been protesting for decades and decades. As you all know, for exactly this. And so the message has been sent, delivered. Now it’s up to the King of England to respond.”</p> <p>Stefanovic then asked her: “The question this morning you were being asked is, why the hell doesn’t Lidia Thorpe just do everyone a favour and get out of Canberra? Will you?”</p> <p>To which she replied: “I’m about truth telling. I’m loud, proud, black. Get used to it and listen to what I have to say.</p> <p>“We need to grow up as a nation and get rid of him and have our own head of state.”</p> <p>The broadcaster then showed a video of her swearing allegiance to the late Queen Elizabeth. </p> <p>“Did that hurt a little when you swore your allegiance? Did it take a little bit of your soul?’’ Stefanovic asked.</p> <p>“Absolutely it did. And I had to go through a process with my family prior to doing that, because swearing allegiance to someone else from another country whose ancestors have done a lot of damage to my ancestors, I think is completely inappropriate,” she replied. </p> <p>This comes after Thorpe's <a href="https://www.oversixty.com.au/finance/legal/lidia-thorpe-s-pledge-to-queen-elizabeth-raises-questions" target="_blank" rel="noopener">pledge to Queen Elizabeth's</a> "hairs" instead of "heir" came to light.</p> <p>“We don’t need to be paying the Governor-General $800,000 a year to sign a piece of legislation. And we paid for that man to come here. How many millions of dollars did that cost?” she continued. </p> <p>Karl hit back saying that Thorpe herself is “getting paid pretty well to be part of the process and to be part of parliament, a place you clearly despise.”</p> <p>She replied: “Yeah. I’m being paid to do my job. You could say it’s paying the rent if you like." </p> <p>“This government has walked back a treaty. I know the opposition is not interested in treaty. So where else do you go? You go to the King of England. Who? Whose ancestors treated with other countries but didn’t treaty here. So there’s unfinished business. I’ll spend the next three years getting that unfinished business done.”</p> <p><em>Images: Nine</em></p>

TV

Placeholder Content Image

Are older adults more vulnerable to scams? What psychologists have learned about who’s most susceptible, and when

<div class="theconversation-article-body"><em><a href="https://theconversation.com/profiles/natalie-c-ebner-1527554">Natalie C. Ebner</a>, <a href="https://theconversation.com/institutions/university-of-florida-1392">University of Florida</a> and <a href="https://theconversation.com/profiles/didem-pehlivanoglu-1527551">Didem Pehlivanoglu</a>, <a href="https://theconversation.com/institutions/university-of-florida-1392">University of Florida</a></em></p> <p>About 1 in 6 Americans <a href="https://www.census.gov/library/stories/2023/05/2020-census-united-states-older-population-grew.html">are age 65 or older</a>, and that percentage <a href="https://www.ncoa.org/article/get-the-facts-on-older-americans">is projected to grow</a>. Older adults often hold positions of power, have retirement savings accumulated over the course of their lifetimes, and make important financial and health-related decisions – all of which makes them attractive targets for financial exploitation.</p> <p>In 2021, there were more than 90,000 older victims of fraud, according to the FBI. These cases resulted in <a href="https://www.ic3.gov/Media/PDF/AnnualReport/2021_IC3ElderFraudReport.pdf">US$1.7 billion in losses</a>, a 74% increase compared with 2020. Even so, that may be a significant undercount, since embarrassment or lack of awareness <a href="https://assets.aarp.org/rgcenter/econ/fraud-victims-11.pdf">keeps some victims from reporting</a>.</p> <p><a href="https://ncea.acl.gov/elder-abuse#gsc.tab=0">Financial exploitation</a> represents one of the most common forms of elder abuse. Perpetrators are often individuals in the victims’ inner social circles – family members, caregivers or friends – but can also be strangers.</p> <p>When older adults experience financial fraud, they typically <a href="https://public.tableau.com/app/profile/federal.trade.commission/viz/AgeandFraud/Infographic">lose more money</a> than younger victims. Those losses can have <a href="https://doi.org/10.1057/sj.2012.11">devastating consequences</a>, especially since older adults have limited time to recoup – dramatically reducing their independence, health and well-being.</p> <p>But older adults have been largely neglected in research on this burgeoning type of crime. We are <a href="https://ebnerlab.psych.ufl.edu/natalie-c-ebner-phd/">psychologists who study social cognition</a> and <a href="https://ebnerlab.psych.ufl.edu/didem-pehlivanoglu/">decision-making</a>, and <a href="https://ebnerlab.psych.ufl.edu/">our research lab</a> at the University of Florida is aimed at understanding the factors that shape vulnerability to deception in adulthood and aging.</p> <h2>Defining vulnerability</h2> <p>Financial exploitation involves a variety of exploitative tactics, such as coercion, manipulation, undue influence and, frequently, some sort of deception.</p> <p>The majority of current research focuses on <a href="https://doi.org/10.1002/acp.3052">people’s ability to distinguish between truth and lies</a> during interpersonal communication. However, deception occurs in many contexts – increasingly, over the internet.</p> <p>Our lab conducts laboratory experiments and real-world studies to measure susceptibility under various conditions: investment games, lie/truth scenarios, phishing emails, text messages, fake news and deepfakes – fabricated videos or images that are created by artificial intelligence technology.</p> <p>To study how people respond to deception, we use measures like surveys, brain imaging, behavior, eye movement and heart rate. We also collect health-related biomarkers, such as being a carrier of <a href="https://pubmed.ncbi.nlm.nih.gov/8346443/">gene variants</a> that increase risk for Alzheimer’s disease, to identify individuals with particular vulnerability.</p> <p>And <a href="https://doi.org/10.20900/agmr20230007">our work</a> shows that an older adult’s ability to detect deception is not just about their individual characteristics. It also depends on how they are being targeted.</p> <figure class="align-center zoomable"><a href="https://images.theconversation.com/files/593784/original/file-20240513-16-j9zy1i.png?ixlib=rb-4.1.0&amp;q=45&amp;auto=format&amp;w=1000&amp;fit=clip"><img src="https://images.theconversation.com/files/593784/original/file-20240513-16-j9zy1i.png?ixlib=rb-4.1.0&amp;q=45&amp;auto=format&amp;w=754&amp;fit=clip" sizes="(min-width: 1466px) 754px, (max-width: 599px) 100vw, (min-width: 600px) 600px, 237px" srcset="https://images.theconversation.com/files/593784/original/file-20240513-16-j9zy1i.png?ixlib=rb-4.1.0&amp;q=45&amp;auto=format&amp;w=600&amp;h=339&amp;fit=crop&amp;dpr=1 600w, https://images.theconversation.com/files/593784/original/file-20240513-16-j9zy1i.png?ixlib=rb-4.1.0&amp;q=30&amp;auto=format&amp;w=600&amp;h=339&amp;fit=crop&amp;dpr=2 1200w, https://images.theconversation.com/files/593784/original/file-20240513-16-j9zy1i.png?ixlib=rb-4.1.0&amp;q=15&amp;auto=format&amp;w=600&amp;h=339&amp;fit=crop&amp;dpr=3 1800w, https://images.theconversation.com/files/593784/original/file-20240513-16-j9zy1i.png?ixlib=rb-4.1.0&amp;q=45&amp;auto=format&amp;w=754&amp;h=426&amp;fit=crop&amp;dpr=1 754w, https://images.theconversation.com/files/593784/original/file-20240513-16-j9zy1i.png?ixlib=rb-4.1.0&amp;q=30&amp;auto=format&amp;w=754&amp;h=426&amp;fit=crop&amp;dpr=2 1508w, https://images.theconversation.com/files/593784/original/file-20240513-16-j9zy1i.png?ixlib=rb-4.1.0&amp;q=15&amp;auto=format&amp;w=754&amp;h=426&amp;fit=crop&amp;dpr=3 2262w" alt="A figure with two circles and an arrow between them. One circle shows icons that symbolize individual susceptibility to deception -- like a brain, and a walking cane -- while the other has icons of types of deception, like mail or a text message." /></a><figcaption><span class="caption">Vulnerability depends not only on the person, but also the type of fraud being used.</span> <span class="attribution"><span class="source">Natalie Ebner and Didem Pehlivanoglu</span></span></figcaption></figure> <h2>Individual risk factors</h2> <p>Better cognition, social and emotional capacities, and brain health are all associated with less susceptibility to deception.</p> <p>Cognitive functions, such as how quickly our brain processes information and how well we remember it, <a href="https://doi.org/10.1177/1745691619827511">decline with age</a> and impact decision-making. For example, among people around 70 years of age or older, declines in analytical thinking are associated with <a href="https://doi.org/10.1037/xap0000426">reduced ability to detect false news stories</a>.</p> <p>Additionally, low memory function in aging is associated with <a href="https://doi.org/10.1093/geronb/gby036">greater susceptibility to email phishing</a>. Further, according to recent <a href="https://osf.io/preprints/osf/6f2y9">research</a>, this correlation is specifically pronounced among older adults who carry a gene variant that is a genetic risk factor for developing Alzheimer’s disease later in life. Indeed, some research suggests that greater financial exploitability may serve as <a href="https://doi.org/10.1016/j.neubiorev.2022.104773">an early marker</a> of disease-related cognitive decline.</p> <p>Social and emotional influences are also crucial. Negative mood can enhance somebody’s ability to detect lies, while <a href="https://doi.org/10.1037/xap0000426">positive mood in very old</a> age can impair a person’s ability to detect fake news.</p> <p>Lack of support and loneliness exacerbate susceptibility to deception. Social isolation during the COVID-19 pandemic has led to <a href="https://doi.org/10.1093/gerona/glaa077">increased reliance on online platforms</a>, and older adults with lower digital literacy are <a href="https://doi.org/10.1093/geront/gnac188">more vulnerable to fraudulent emails and robocalls</a>.</p> <p>Finally, an individual’s brain and body responses play a critical role in susceptibility to deception. One important factor is <a href="https://doi.org/10.1016/j.tins.2020.10.007">interoceptive awareness</a>: the ability to accurately read our own body’s signals, like a “gut feeling.” This awareness is correlated with <a href="https://doi.org/10.1093/geroni/igad104.3714">better lie detection</a> in older adults.</p> <p>According to <a href="https://doi.org/10.1093/gerona/glx051">a first study</a>, financially exploited older adults had a significantly smaller size of insula – a brain region key to integrating bodily signals with environmental cues – than older adults who had been exposed to the same threat but avoided it. Reduced insula activity is also related to greater difficulty <a href="https://doi.org/10.1073/pnas.1218518109">picking up on cues</a> that make someone appear less trustworthy.</p> <h2>Types of effective fraud</h2> <p>Not all deception is equally effective on everyone.</p> <p><a href="https://doi.org/10.1145/3336141">Our findings</a> show that email phishing that relies on reciprocation – people’s tendency to repay what another person has provided them – was more effective on older adults. Younger adults, on the other hand, were more likely to fall for phishing emails that employed scarcity: people’s tendency to perceive an opportunity as more valuable if they are told its availability is limited. For example, an email might alert you that a coin collection from the 1950s has become available for a special reduced price if purchased within the next 24 hours.</p> <p>There is also evidence that as we age, we have greater difficulty detecting the “wolf in sheep’s clothing”: someone who appears trustworthy, but is not acting in a trustworthy way. In <a href="https://doi.org/10.1038/s41598-023-50500-x">a card-based gambling game</a>, we found that compared with their younger counterparts, older adults are more likely to select decks presented with trustworthy-looking faces, even though those decks consistently resulted in negative payouts. Even after learning about untrustworthy behavior, older adults showed greater difficulty overcoming their initial impressions.</p> <h2>Reducing vulnerability</h2> <p>Identifying who is especially at risk for financial exploitation in aging is crucial for preventing victimization.</p> <p>We believe interventions should be tailored, instead of a one-size-fits-all approach. For example, perhaps machine learning algorithms could someday determine the most dangerous types of deceptive messages that certain groups encounter – such as in text messages, emails or social media platforms – and provide on-the-spot warnings. Black and Hispanic consumers are <a href="https://www.ftc.gov/system/files/documents/reports/combating-fraud-african-american-latino-communities-ftcs-comprehensive-strategic-plan-federal-trade/160615fraudreport.pdf">more likely to be victimized</a>, so there is also a dire need for interventions that resonate with their communities.</p> <p>Prevention efforts would benefit from taking a holistic approach to help older adults reduce their vulnerability to scams. Training in <a href="https://doi.org/10.1007/s40520-019-01259-7">financial, health</a> and <a href="https://www.nature.com/articles/s41598-022-08437-0.pdf">digital literacy</a> are important, but so are programs to <a href="https://doi.org/10.1186/s12889-021-10363-1">address loneliness</a>.</p> <p>People of all ages need to keep these lessons in mind when interacting with online content or strangers – but not only then. Unfortunately, financial exploitation often comes from individuals close to the victim.<!-- 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/227991/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/natalie-c-ebner-1527554"><em>Natalie C. Ebner</em></a><em>, Professor of Psychology, <a href="https://theconversation.com/institutions/university-of-florida-1392">University of Florida</a> and <a href="https://theconversation.com/profiles/didem-pehlivanoglu-1527551">Didem Pehlivanoglu</a>, Postdoctoral Researcher, Psychology, <a href="https://theconversation.com/institutions/university-of-florida-1392">University of Florida</a></em></p> <p><em>Image credits: Shutterstock</em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/are-older-adults-more-vulnerable-to-scams-what-psychologists-have-learned-about-whos-most-susceptible-and-when-227991">original article</a>.</em></p> </div>

Money & Banking

Placeholder Content Image

Pokies? Lotto? Sports betting? Which forms of problem gambling affect Australians the most?

<div class="theconversation-article-body"><em><a href="https://theconversation.com/profiles/alex-russell-133860">Alex Russell</a>, <a href="https://theconversation.com/institutions/cquniversity-australia-2140">CQUniversity Australia</a>; <a href="https://theconversation.com/profiles/matthew-browne-97705">Matthew Browne</a>, <a href="https://theconversation.com/institutions/cquniversity-australia-2140">CQUniversity Australia</a>, and <a href="https://theconversation.com/profiles/matthew-rockloff-569">Matthew Rockloff</a>, <a href="https://theconversation.com/institutions/cquniversity-australia-2140">CQUniversity Australia</a></em></p> <p>Gambling, especially sports and race betting, is a hot political issue at the moment.</p> <p>This is largely due to the recommendations from a 2023 report from a nonpartisan federal government committee, chaired by the late Peta Murphy, called <a href="https://www.aph.gov.au/Parliamentary_Business/Committees/House/Social_Policy_and_Legal_Affairs/Onlinegamblingimpacts/Report">You Win Some, You Lose More</a>.</p> <p>This report <a href="https://www.aph.gov.au/Parliamentary_Business/Committees/House/Social_Policy_and_Legal_Affairs/Onlinegamblingimpacts/Report/List_of_recommendations">recommended</a> “the Australian government, with the cooperation of the states and territories, implement a comprehensive ban on all forms of advertising for online gambling”.</p> <p>This has led to lots of debate and controversy.</p> <p>Recently, Peter V’landys, head of the NRL and Racing NSW, <a href="https://www.smh.com.au/politics/federal/nanny-state-nrl-afl-storm-the-field-over-gambling-ads-20240920-p5kc2q.html">claimed</a> lotteries were more harmful than race and sports betting combined, citing independent statistics.</p> <p>Let’s explore the relative harm of different types of gambling and see if this claim holds up.</p> <h2>Australians love a punt</h2> <p>Gambling is widespread in Australia, with <a href="https://www.gamblingresearch.org.au/publications/second-national-study-interactive-gambling-australia-2019-20">more than half of adults</a> engaging in at least one form each year.</p> <p>According to the <a href="https://www.gamblingresearch.org.au/publications/second-national-study-interactive-gambling-australia-2019-20">latest national data</a>, lotteries are the most common type (40% of Australians buy a ticket annually), followed by race betting (17%), pokies (16%), scratchies (15.7%) and sports betting (9.6%).</p> <p>However, the popularity of a gambling form doesn’t necessarily reflect its harm. Different gambling activities have distinct characteristics.</p> <p>Two key factors mean that some gambling forms are more harmful than others: the speed of gambling and bet size.</p> <p>Pokies allow for frequent, small bets, with spins every three seconds. Race and sports betting can involve much larger sums and betting that is relatively fast, but still slower than pokie spins.</p> <p>Sports betting, in particular, is getting faster with in-play betting and <a href="https://pubmed.ncbi.nlm.nih.gov/30386964/">microbetting</a>.</p> <figure><iframe src="https://www.youtube.com/embed/hI_XFOc4is0?wmode=transparent&amp;start=0" width="440" height="260" frameborder="0" allowfullscreen="allowfullscreen"></iframe><figcaption><span class="caption">Poker machines, or ‘pokies’ are the biggest single source of gambling losses in Australia.</span></figcaption></figure> <p>Lotteries, on the other hand, are much slower-paced.</p> <p>People typically spend a small amount on tickets and wait for a draw to find out if they’ve won.</p> <p>Although it’s possible to spend a lot on tickets, <a href="https://www.qgso.qld.gov.au/statistics/theme/society/gambling/australian-gambling-statistics">people tend not to</a>, unlike with faster gambling forms.</p> <p>The average spend on pokies among the 16% who play them is around $4,782 per year, compared to an average spend on lotteries of $377 per year. These are averages. Most won’t spend these amounts but some will spend far more, which raises the average amount.</p> <p>V’landys’ claim about lotteries being more harmful than race and sports betting was based on “independent statistics”.</p> <p>He said that of 100 people seeking help from a gambling hotline, 70 had issues with pokies, 15 with lotteries, eight with race betting, four with sports betting, and three with casinos.</p> <p>We were unable to verify these figures – if anyone has the data, we’d love to see the research to assess them.</p> <p>However, we do have publicly available data.</p> <h2>What the data say</h2> <p>The NSW GambleAware website’s <a href="https://www.gambleaware.nsw.gov.au/-/media/ghs-annual-activity-report-2020-21.ashx?rev=e070f9c8bdbf4031816a852f27246c54&amp;hash=C5FC3AA23BE5F2EF69D551A5E2292BA9#:%7E:text=Of%20the%20clients%20receiving%20counselling,36.9%25%20of%20all%20female%20clients.">2020-21</a> report shows that of 2,886 people seeking help, 73.3% identified pokies as their primary form of gambling, while only 13 people (less than 1%) listed lotteries. Race betting accounted for 13.1%, and sports betting for 7.9%.</p> <p>These patterns were consistent with <a href="https://www.gambleaware.nsw.gov.au/about-us/corporate-documents">previous years</a>.</p> <p>People who experience problems also usually take part in more than one form of gambling, as the NSW report showed.</p> <p>When these secondary gambling activities were considered, sports betting was cited by 35.5%, race betting by 33.5%, pokies by 19.5%, and lotteries by 13.7%.</p> <h2>What we discovered</h2> <p>The best evidence on gambling problems and harm comes from large-scale prevalence studies, typically commissioned by governments and conducted by independent researchers.</p> <p>These studies offer high-quality insights into how each gambling form contributes to problems.</p> <p>While one prevalence study is great, our team recently combined data from seven national and state-based prevalence studies. This resulted in a very high-quality dataset that we can use to study this question.</p> <p>In <a href="https://akjournals.com/view/journals/2006/12/1/article-p182.xml">our analysis</a>, we used statistical techniques to show how strongly each gambling form is associated with problems.</p> <p>These techniques give us regression coefficients, which are just numbers that tell us how strong the association is. A higher number means a stronger association between that form and gambling problems.</p> <p>The most problematic form was pokies (coefficient = 0.147), followed by casino games (0.136), sports betting (0.068) and race betting (0.038).</p> <p>Lotteries, with a coefficient of 0.001, were the least problematic and were not statistically significant even in our large sample.</p> <p>As you might guess from such a low number, there’s very little relationship between lotteries and gambling problems.</p> <h2>What about prevalence?</h2> <p>Prevalence matters too – while pokies were most strongly associated with problems, the number of people participating in each gambling form is also important.</p> <p>Let’s consider an analogy – a car that gives out a lot of exhaust fumes. That car is harmful, but if virtually no one owns one, then it’s not going to account for much pollution.</p> <p>The same idea applies for gambling forms. If a gambling form is very harmful but very few people do it, it doesn’t account for many problems in the population.</p> <p>It works the other way, too – if there is a very clean type of car that many people drive, they also won’t add up to much pollution.</p> <p>Similarly, if we have gambling forms that have very little association with problems, it won’t add up to many problems in the population, even if lots of people take part.</p> <p>The regression coefficients tell us how problematic each gambling form is. Prevalance tells us how many people do it.</p> <p>When we combine these two bits of information, we can work out the degree of problems in the community that come from each form.</p> <p>When we did this, pokies were responsible for 52-57% of gambling problems in the community.</p> <p>Sports and race betting each contributed 9-11%, with a combined total of around 20%.</p> <p>Lotteries accounted for just 0.1-1% of problems.</p> <p>Even if we include scratchies as part of lotteries, this only adds another 2-5% of problems, still far below sports and race betting.</p> <hr /> <p><iframe id="quxHH" class="tc-infographic-datawrapper" style="border: 0;" src="https://datawrapper.dwcdn.net/quxHH/" width="100%" height="400px" frameborder="0" scrolling="no"></iframe></p> <hr /> <h2>The real issue</h2> <p>What’s the takeaway?</p> <p>Lotteries are widely played but are not typically associated with much harm.</p> <p>Sports and race betting, despite having fewer participants, are more harmful due to their faster pace and the potential for large, frequent bets.</p> <p>Lotteries involve slower betting and lower spending, making them much less risky.</p> <p>If we aim to reduce gambling harm in our community, the focus should be on pokies, which are widespread in pubs and clubs <a href="https://akjournals.com/view/journals/2006/12/3/article-p721.xml">outside WA</a>, casino games and race and sports betting.</p> <p>These forms have features that make them far more harmful than slower-paced gambling like lotteries.<!-- 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/240665/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /><!-- End of code. If you don't see any code above, please get new code from the Advanced tab after you click the republish button. The page counter does not collect any personal data. More info: https://theconversation.com/republishing-guidelines --></p> <p><em><a href="https://theconversation.com/profiles/alex-russell-133860">Alex Russell</a>, Principal Research Fellow, <a href="https://theconversation.com/institutions/cquniversity-australia-2140">CQUniversity Australia</a>; <a href="https://theconversation.com/profiles/matthew-browne-97705">Matthew Browne</a>, Senior Lecturer in Statistics, <a href="https://theconversation.com/institutions/cquniversity-australia-2140">CQUniversity Australia</a>, and <a href="https://theconversation.com/profiles/matthew-rockloff-569">Matthew Rockloff</a>, Head, Experimental Gambling Research Lab, <a href="https://theconversation.com/institutions/cquniversity-australia-2140">CQUniversity Australia</a></em></p> <p><em>Image credits: Shutterstock </em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/pokies-lotto-sports-betting-which-forms-of-problem-gambling-affect-australians-the-most-240665">original article</a>.</em></p> </div>

Money & Banking

Placeholder Content Image

‘Dark tourism’ is attracting visitors to war zones and sites of atrocities in Israel and Ukraine. Why?

<div class="theconversation-article-body"><em><a href="https://theconversation.com/profiles/juliet-rogers-333488">Juliet Rogers</a>, <a href="https://theconversation.com/institutions/the-university-of-melbourne-722">The University of Melbourne</a></em></p> <p>There is a disturbing trend of people travelling to the sadder places of the world: sites of military attacks, war zones and disasters. Dark tourism is now a phenomenon, with <a href="https://dark-tourism.com/">its own website</a> and dedicated tour guides. People visit these places to mourn, or to remember and honour the dead. But sometimes they just want to look, and sometimes they want to delight in the pain of others.</p> <p>Of course, people have long visited places like the <a href="https://www.auschwitz.org/en/visiting/guided-tours-for-individual-visitors/">Auschwitz-Birkenau</a> Memorial, <a href="https://www.911memorial.org/911-faqs">the site of the Twin Towers</a> destroyed in the 9/11 attacks, <a href="https://www.robben-island.org.za/tour-types/">Robben Island Prison</a>, where Nelson Mandela and others spent many years, and more recently, <a href="https://chernobyl-tour.com/english/">the Chernobyl nuclear power plant</a>. But there are more recent destinations, connected to active wars and aggression.</p> <p>Since the <a href="https://www.newsweek.com/2024/10/11/one-year-hamas-oct-attack-israel-northern-border-1961816.html">Hamas military attacks</a> of October 7 2023, in which around 1,200 people were killed and more than 250 taken hostage, celebrities and tourists have visited the related sites of the Nova music festival and the Nir Oz Kibbutz in Palestine/Israel.</p> <p>The kibbutz tours, guided by former residents, allow people to view and be guided through houses of the dead, to be shown photographs and bullet holes. Sderot, the biggest city targeted by Hamas, is offering <a href="https://apnews.com/article/israel-gaza-hamas-oct-7-tourism-sderot-8b21f590c37fa6780bf9190d6bfb62b7">what it describes as “resilience tours”</a>, connecting tourists with October 7 survivors.</p> <p>Similar places are visited <a href="https://wartours.in.ua/2023/02/25/dark-tourism-in-ukraine/">in Ukraine</a>. The “popular” Donbas war tour, for instance, takes visitors to the front lines of the conflict and offers “a firsthand look at the impact of the war on the local population”, introducing them to displaced locals, soldiers and volunteer fighters. There’s also <a href="https://wartours.in.ua/en/">a Kyiv tour</a>, which takes in destroyed military equipment and what remains of missile strikes.</p> <h2>Solidarity tours</h2> <p>These tours have various names, but <a href="https://touringisrael.com/tour/october-7-solidarity-tour/">one Israeli company</a> calls them “solidarity tours”. The idea of solidarity lessens the presumption of voyeurism, or the accusation of ghoulish enjoyment of pain or suffering. It suggests an affinity with those who have died or those who have lost loved ones.</p> <p>But solidarity is a political affiliation too. These tours are not only therapeutic. They are not only about “bearing witness”, as many guides and visitors attest. They are also about solidarity with the struggle.</p> <p>What is this struggle? Genocide scholar Dirk Moses <a href="https://www.bostonreview.net/articles/more-than-genocide/">has written thoughtfully</a> on this after October 7. Colonial states seek not just security, but “permanent security”. This makes them hyper-defensive of their borders. Israel was created as a nation <a href="https://www.pbs.org/wgbh/americanexperience/features/truman-israel/">by the newly formed United Nations</a> in 1947, two years after the end of World War II and in the shadow of the Holocaust: it was an inevitable product of the <a href="https://theconversation.com/a-century-on-the-balfour-declaration-still-shapes-palestinians-everyday-lives-86662">Balfour Declaration</a> (1917) that carved up the Middle East.</p> <p>The creation of the Israeli state turned relationships between Palestinians and Jewish people into borders to navigate and police, producing a line of security to defend.</p> <p>These borders have long been sites of humiliation and denigration toward Palestinians, whose homelands have been now occupied for many generations. Israeli Defense Force soldiers themselves <a href="https://www.breakingthesilence.org.il/testimonies/videos/29690">have spoken passionately</a> about the brutal and arbitrary violence that occurs there, <a href="https://link.springer.com/article/10.1007/s10978-016-9195-y">including “creative punishments”</a>. These were the borders that protected the sites targeted by Hamas. The Nova music festival was five kilometres from one of these borders.</p> <p>For many Israelis, any breach of those borders, any sense of loss of control, courts the terrors of the past. It raises the spectre of the Holocaust: the destruction of European Jewry, the loss of sovereignty over family, home, and over life, the loss of millions of lives, again. For Israel, as for any colonial state, security is a permanent aspiration, in Moses’s terms. The stakes are high.</p> <p>Dark tourism, seen in this light, is not only solidarity with those who have lost loved ones on October 7. It is solidarity with the border, with those who have lost that security. And that loss is profound, traumatic and, at least psychologically, can provoke violent reactions in an effort to have the borders – geographical and psychological – reasserted.</p> <h2>‘I stand with you’</h2> <p>Transitional justice mechanisms such as the truth commissions in <a href="https://www.justice.gov.za/trc/">South Africa</a>, <a href="https://www.usip.org/publications/2002/02/truth-commission-timor-leste-east-timor">Timor Leste</a> and <a href="https://www.usip.org/publications/1983/12/truth-commission-argentina">Argentina</a> apply legal frameworks to heal nations from the trauma of crimes against humanity. These mechanisms are one choice after experiences of mass violence. Ironically, their catchphrase is <em>Nunca Mas</em> (never again), which was the title of the 1984 report by Argentina’s <a href="https://www.usip.org/publications/1983/12/truth-commission-argentina">National Commission on the Dissappeared</a>.</p> <p>Permanent security of the kind Israel is seeking is another choice – and its catchphrase might well be the same. Never again will Israel’s borders be breached, never again will Jewish life be subjected to mass destruction with impunity.</p> <p>This is what solidarity can mean: not only grieving alongside those who have suffered, but attachment to an identity and borders, which are reinforced through participation. “I stand with you” is perhaps what the visits are for. I stand with you on this land, at this time, and perhaps for all time.</p> <p>But stand beside you in what now? In grief, yes. But also in rage, in pain, in vengeance and, for some, in making Israel great again.</p> <p>The hashtag #standwithus accompanies some calls for visits to the October 7 sites, for this form of tourism. It means stand with us at Israel’s border. From there, you can hear the sound of bombs falling: <a href="https://inews.co.uk/news/world/israel-7-october-massacre-sites-dark-draw-tourists-3101715">in Gaza</a>, a place where no solidarity tour will go. Yet.</p> <h2>Memorials, grief and understanding</h2> <p>Dark tourism is not always for those associated with the events. Some people visit sites of disaster and loss because they want to understand the greater sadnesses of the world and its formidable brutalities. Some want to show their respect to others. It’s not dissimilar to visiting memorials.</p> <p>Memorials collate the disparate parts of grief and reflect it as public memory. They offer fragments of historical pain that can be borne in more than one mind, to create a shared reality.</p> <p>In Pretoria, South Africa, a memorial called <a href="https://www.freedompark.co.za/">Freedom Park</a> depicts the names of every person who died in every war fought in South Africa, as well as those South Africans who died in the world wars. The names are written on a wall that circles the park. It is impossibly long and circular, and you cannot measure it with your own stride. It is disorientating and interminable, like grief.</p> <p>In this memorial-metaphor, you are unable to comprehend – and at the same time are awash with – a history of loss, represented by the names. The walls contain you, and then they cannot. Grief and even solidarity is not always about comprehension or containment. Sometimes it is about proximity. Sometimes, it is about sitting with not knowing. Sometimes, it is about solidarity with something that cannot be made sense of.</p> <p>Trauma, psychoanalysis tells us, is an experience of what we cannot assimilate. If you sit in proximity to people and places where traumatic events have happened, you can learn something. If you see the bullet holes at a site of loss, you can comprehend something. But not everything. Bullet holes in a wall are the very definition of a partial story.</p> <p>People visit memorials and sites of loss to learn and to unlearn. Dark tourism has this quality.</p> <h2>Obscenity of understanding</h2> <p>In my field, criminology and trauma studies, we try to understand why people do the violent things they do. Holocaust filmmaker and commentator <a href="https://www.jstor.org/stable/26303924">Claude Lanzmann has said</a> we must not indulge in what he calls the “obscenity of the project of understanding” in relation to Nazi perpetrators of the Holocaust.</p> <p>He regards curiosity about the minds of perpetrators and the rationale for violence as a violence in itself. Of the Holocaust, he says you cannot ask “Why were the Jews killed?”. It is the result that matters. But it is also the reaction that matters. The state of Israel itself – permanent security and its attendant horrors – is part of that reaction.</p> <p>But understanding can influence the reaction to violence, and contribute something to the promise of Never Again. Understanding allows us to hold more than one story in mind. It allows us to do more than <a href="https://www.ochaopt.org/">count the more than 1,200 killed</a> in Israel, or the 41,689 (plus) Palestinians killed in Gaza. Bodies are always more than numbers. But explanation is one thing, justification another. Justification is best left to the courts, international or otherwise, after the violence has ceased.</p> <p>It is hard to hear about dark tourism in Israel/Palestine and in Ukraine and try to understand it. It is hard not to condemn the tourists. But we are quick to condemn at this time – and even quicker to demand others do the same. Perhaps we should not be so righteous, and we should resist the urge to easily condemn, from our homes in what <a href="https://www.mup.com.au/books/after-mabo-paperback-softback">Tim Rowse has called</a> the “ongoing colonial encounter sometimes called ‘Australia’”.</p> <p>Indigenous people here speak of the lack of memorials on this land. But every bordered property is a site for dark tourism in Australia. Dark tourism is the effort to seek out destinations of violence and devastation, but it is not hard to see genocide from our front door in this country.<!-- 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/240119/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/juliet-rogers-333488"><em>Juliet Rogers</em></a><em>, Associate Professor Criminology, <a href="https://theconversation.com/institutions/the-university-of-melbourne-722">The University of Melbourne</a></em></p> <p><em>Image credits: Shutterstock </em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/dark-tourism-is-attracting-visitors-to-war-zones-and-sites-of-atrocities-in-israel-and-ukraine-why-240119">original article</a>.</em></p> </div>

Travel Trouble

Placeholder Content Image

World’s longest treasure hunt ends as Golden Owl finally unearthed in France

<p><span style="font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Oxygen, Ubuntu, Cantarell, 'Open Sans', 'Helvetica Neue', sans-serif;">After more than three decades of mystery and intrigue, the world’s longest-running treasure hunt has come to a thrilling conclusion with the discovery of the elusive Golden Owl. Valued at approximately $240,000, the treasure had captivated the imaginations of thousands since it was first buried in France in the early 1990s.</span></p> <p>The hunt began with the publication of the now-famous book, <em>On the Trail of the Golden Owl</em>, written by communications expert Régis Hauser under the pseudonym “Max Valentin” and illustrated by artist Michel Becker. The 1993 book challenged readers to solve a series of intricate riddles and clues, which, when deciphered, would reveal the owl’s secret location.</p> <p>Despite years of painstaking attempts to crack the mystery, the Golden Owl remained hidden for decades, surviving even its creator. Hauser passed away in 2009, leaving the prize still buried. Michel Becker, who took over the management of the hunt, delivered the long-awaited news on October 3 via an online announcement that sparked a frenzy among treasure hunters: “A potential winning solution is currently being verified.”</p> <p>Two hours later, he confirmed: “Don’t go digging! We confirm that the Golden Owl countermark was unearthed last night.”</p> <p>The treasure hunt’s <a href="https://goldenowlhunt.com/" target="_blank" rel="noopener">official website was also updated with the announcement</a>, bringing an end to a search that has been both thrilling and, for some, overwhelming.</p> <p><strong>The obsession and madness behind the search</strong></p> <p>For over 30 years, the Golden Owl hunt transcended being just a hobby for many treasure hunters and became an all-consuming obsession. While some enjoyed it as a leisurely pursuit, others were driven to extreme lengths – financially, emotionally and mentally. The search for the owl has been linked to personal crises, including financial ruin and broken marriages. At least one individual reportedly ended up in an asylum due to their fixation on solving the hunt’s riddles.</p> <p>The toll wasn’t limited to individuals. Searchers caused considerable disruption across France, digging unauthorised holes in public and private lands. In one eastern French village, the local mayor was forced to plead with hunters to stop digging around its chapel, while in other cases, searchers brought power tools to banks and even considered destroying structures in the hopes of unearthing the treasure.</p> <p><strong>The Golden Owl’s elusive clues</strong></p> <p><em>On the Trail of the Golden Owl</em> contained a complex series of 11 riddles, each paired with a painting by Becker. The riddles, combined with maps, colours and hidden details, challenged readers to work out the owl’s hidden location.</p> <p>Before his death, Hauser revealed three crucial elements to solving the puzzle:</p> <p>The use of maps: Hunters needed to work with maps to narrow down the search area and use a specific map to pinpoint the final zone.</p> <p>A “mega trick”: This was the key to using the sequence of riddles to locate the final area where the owl was hidden.</p> <p>A final hidden riddle: Once in the final zone, hunters had to uncover one last riddle to lead them to the exact spot of the treasure.</p> <p><strong>Joyous celebration among treasure hunters</strong></p> <p>The treasure-hunting community was overjoyed when the news broke, with many expressing their disbelief and excitement. “Finally – liberated!” exclaimed one fan on the hunt’s Discord forum. Another added, “I didn’t think I’d live to see the day.”</p> <p>As of now, the exact location of the owl’s discovery and the identity of the finder remain undisclosed. However, Becker hinted at the complexity involved in concluding this monumental hunt. “Tons of emotions to manage for all those who are responsible for managing the end of this episode and complex logistics to put in place,” he said in a statement on October 6.</p> <p>For now, the Golden Owl, a treasure that has held a generation of sleuths in its grasp, has been unearthed. Yet, the fascination with its story will undoubtedly linger for years to come.</p> <p><em>Images/Illustrations: Michel Becker</em></p>

International Travel

Placeholder Content Image

Readers response: What’s the most unexpected thing you’ve learned about yourself through travel?

<p>When it comes to travelling, it's not uncommon to have revelations about yourself while self-reflecting in a new place. </p> <p>We asked our readers what the most unexpected thing they've learned about themselves is through travel, and the response was overwhelming. Here's what they said.</p> <p><strong>Penny Corbin</strong> - I don't need the cathedrals, monuments, the tours, I just love walking in the space and finding my own beauty wherever it leads me.</p> <p><strong>Dom Cimino</strong> - That I really love meeting people of all backgrounds.</p> <p><strong>Jenny Halkett</strong> - To treat it as an adventure, and don’t be afraid to ask a qualified person for advice.</p> <p><strong>Kristeen Collison</strong> - That I’m more adventurous than I thought.</p> <p><strong>Angie Jansen</strong> - That I love it. Just new places, culture, food, history, the wonderful people, the adventures you have and the memories, it’s the experiencing new things and learning, exploring, being amazed. Just so grateful I can still do it.</p> <p><strong>Palma Hemer </strong>- To have a sense of humour, rain hail or shine.</p> <p><strong>Anne Jenkin</strong> - That I can enjoy the travel by myself but I do like meeting new people on these trips.</p> <p><strong>Kath Sheppard</strong> - To try to learn basic phrases when travelling. It's definitely appreciated.</p> <p><strong>Kerry Fischer</strong> - Soak up the vibe wherever you are! Every place has beauty!</p> <p><strong>Jacqueline Buchanan</strong> - That a smile speaks many languages.</p> <p><strong>Martin Drake</strong> - That there is just too much to see and not enough time.</p> <p><em>Image credits: Shutterstock </em></p>

Travel Tips

Placeholder Content Image

Readers response: What movie have you rewatched the most?

<p>We all have our favourite movies. The ones that make us feel comforted and happy each time we rewatch them.</p> <p>We asked our readers what movies they have rewatched the most, and the response was overwhelming. Here's what they said. </p> <p><strong>Heather Fuchs</strong> - Pretty Woman, The Shawshank Redemption and The Green Mile.</p> <p><strong>Nola Schmidt</strong> - Gone with the Wind, Sound of Music and Breakfast at Tiffanys.</p> <p><strong>Isabel Pritchard</strong> - Love Actually, watched it every Christmas since it was released.</p> <p><strong>Angela Chapman</strong> - The Notebook, Back to the Future trilogy, The Sound of Music, Grease, Sleepless in Seattle, and Sweet Home Alabama.</p> <p><strong>Margie Grass</strong> - Grease! Was watched over and over and over, would finish watching and go "oh let’s do it again". My kids knew the words by heart and did a running commentary when they replayed it again.</p> <p><strong>Naomi Thacker </strong>- The Rise of Skywalker, Star Wars. I must have seen it 10 or more times.</p> <p><strong>Terri Cameron</strong> - The Lion King with my eldest grandson who was very young then and is 30 now. Neither of us seemed to tire of it. It was just a wonderful film.</p> <p><strong>Beverley Hoffman</strong> - LOTR, Harry Potter, The Ten Commandments.</p> <p><strong>Christine Thompson</strong> - Sound of Music, Sleepless in Seattle, Pretty Woman. Anything that you would class as a “chick flick” really.</p> <p><strong>Maggie Geeves</strong> - Steel Magnolias.</p> <p><strong>Rhonda Woods</strong> - The Castle. </p> <p><em>Image credits: Shutterstock </em></p>

Movies

Placeholder Content Image

Readers response: What is the most expensive place you've visited?

<p>When it comes to travelling, there are some destinations around the world that are definitely more expensive than others. </p> <p>We asked our readers which place left them the most out of pocket, and the response was overwhelming. Here's what they said. </p> <p><strong>Angela Budden</strong> - Switzerland for sure. </p> <p><strong>Vera Hunt </strong>- Italy, but it's a beautiful place so worth every cent.</p> <p><strong>Pat Isaacs</strong> - Probably London, back in 2011. Such a contrast to Bali, in 2013. Had two weeks there, total cost was under $1600, including air fare, accommodation, food etc. Just the air fare to London was more than the total cost of my time in Bali.</p> <p><strong>Eileen Dunford</strong> - The Amalfi Coast.</p> <p><strong>Roz Harris</strong> - Ashford Castle in Ireland, but I would give anything to go back again and stay for longer.</p> <p><strong>Valerie Southam</strong> - Iceland and Finland.</p> <p><strong>Peter Connolly</strong> - I think Qatar, although the Netherlands wasn't that far behind.</p> <p><strong>Marirose Piciucco</strong> - Tahiti and Copenhagen.</p> <p><strong>Maree Newhouse</strong> - Iceland, I just came back from there. $48 for a bowl of lamb soup and $52 for a hamburger!</p> <p><strong>Gail Ladds</strong> - Positano in Italy. Cost me $25 for a milkshake about $7 years ago. It was the cost of the view I think.</p> <p><strong>Kevin Chapman</strong> - Hawaii, but worth every penny.</p> <p><strong>Peter Brady</strong> - Everywhere in the US given the lousy exchange rate, the plethora of additional government taxes, and the mandatory 20% tip.</p> <p><strong>Chaz Maree</strong> - Scandinavian countries are very expensive to visit but so beautiful, so who cares.</p> <p><strong>Catherine Cotterell</strong> - Venice, where the traders sting you as fiercely as the mosquitos.</p> <p><em>Image credits: Shutterstock </em></p> <p> </p>

Travel Trouble

Placeholder Content Image

"Welcome to the world": Sophie Delezio shares first photos with baby boy

<p>Sophie Delezio has announced the birth of her and fiancé Joseph Salerno’s first child on Friday. </p> <p>"Welcome to the world, Frankie," she announced on Instagram, with a blue heart emoji and a black and white photograph of her newborn son holding her finger. </p> <p>"Our hearts are so full."</p> <p>A few days later she thanked fans for their support and well wishes and shared a few snaps of her holding baby Frankie. </p> <p>“Thank you all for the kind words and well wishes!” she captioned another a  black-and-white photo of her snuggling with her newborn son.</p> <p>“We’re soaking in every moment with out little one and feeling like we’re on cloud nine.”</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/C_2PrNXzAhw/?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/C_2PrNXzAhw/?utm_source=ig_embed&utm_campaign=loading" target="_blank" rel="noopener">A post shared by Sophie Delezio (@soph.delezio)</a></p> </div> </blockquote> <p>The new mum also offered a peek into Frankie's bedroom on her Instagram stories, with a wooden crib, animal atlas artwork and a personalised blanket. </p> <p>“I can’t believe he’s finally here, and this room is now being used!” she captioned the nursery photo.</p> <p>“It’s been such a wonderful journey watching it come together throughout my pregnancy."</p> <p>Delezio and Salerno, who live in Sydney’s Northern Beaches, started dating during covid in 2021. Salerno proposed two years later on Valentine's day. </p> <p>Delezio, who came to national attention after two horrific accidents as a child, announced that she was pregnant on her 23rd birthday. </p> <p>Her journey has since been closely followed by Australians, with one of her followers saying: “I’ve followed your story since you were a tiny little girl and this had made me so happy today! Congratulations! Enjoy every second!” </p> <p><em>Images: Instagram</em></p>

Family & Pets

Placeholder Content Image

Readers response: What’s your most memorable birthday party?

<p>One of the best parts of birthdays is celebrating with your loved ones, whether it's a milestone birthday or not. </p> <p>We asked our readers to share the stories from their most memorable birthday parties, and the response was overwhelming. Here's what they said. </p> <p><strong>Jill Harker </strong>- My 80th birthday last November! My family organised it! Had no idea who was coming! I'm a big Elvis fan and when I got to the hotel for lunch everybody was holding up an Elvis face in front of their face so I still had no idea who was there! When they took the faces down there were all my family from Queensland including grandchildren and great grandchildren! Plus my 2 sons organised a birthday video message from Tex Walker my favourite footballer! Plus my granddaughter organised a ride in a Cadillac for me! So many wonderful surprises! It was fantastic!</p> <p><strong>Judi Baker </strong>- My 21st. My Mum and Dad were there. Plus my late Mum's 70th and 80th. Both so funny.</p> <p><strong>Annette Guernier Clay</strong> - In 2007 when two good friends and I celebrated our 60th birthdays with a party at the old Cairns Yacht Club. Live band, lots of dancing, loads of friends.</p> <p><strong>Lesley Peacock</strong> - My 21st, as it was the only one I had.</p> <p><strong>Christine Whyte </strong>- Never had children’s birthday party as mine was always with immediate family, but had a memorable 70th last year with my family and 3 grandkids in Townsville.</p> <p><strong>Barbara Jaramenko</strong> - Didn’t have one as there was no money, but just had a homemade birthday cake with siblings which was lovely. </p> <p><strong>Margie Buckingham</strong> - On my 40th, I was a single mum and I held a combined party- my 40th, end of 3rd term (teacher) &amp; taking leave service leave, the Parliamentary election &amp; going overseas! I took a cruise from Singapore for a week, beginning with a Singapore Gin Sling in the Long Bar at the Raffles Hotel. that was pretty memorable. </p> <div dir="auto"><em>Image credits: Shutterstock </em></div>

Family & Pets

Placeholder Content Image

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

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

Home & Garden

Placeholder Content Image

"Best country in the world" crowned for the third year in a row

<p>The best countries in the world have been ranked according to a new survey, with Switzerland taking out the top spot for the third year in a row. </p> <p>According to new data released by <a href="https://www.usnews.com/news/best-countries/rankings" target="_blank" rel="noopener">US News &amp; World's report</a> in its annual Best Countries rankings, the small European nation has been dubbed the "best country in the world" for 2024. </p> <p>Among the top 25 list, 15 European countries nabbed spots, east and southeast Asia claimed four spots, and the Middle East took two spots, with North America and Oceania taking two spots each. </p> <p>The ranking was made based on the views of 17,000 people, who assessed how well each nation ranked on categories including power, openness for business and cultural influence. </p> <p>At the top of the ranking was Switzerland, which has been at the top of the table nearly every year since 2017, with the report saying the country was "bolstered by notable performances in three of the heaviest-weighted subrankings: quality of life, entrepreneurship and social purpose."</p> <p>Japan claimed second spot on the list for the first time, climbing four spots from last year's ranking, for its high rankings in the entrepreneurship and movers categories. </p> <p>Australia came in fifth place this year (down from fourth in 2023), ranking high in quality of life and social purpose, while New Zealand came in ninth place (down from eighth in 2023).</p> <p>Check out the top 25 best countries list below. </p> <p>1. Switzerland</p> <p>2. Japan </p> <p>3. United Stated of America</p> <p>4. Canada</p> <p>5. Australia</p> <p>6. Sweden</p> <p>7. Germany </p> <p>8. United Kingdom</p> <p>9. New Zealand </p> <p>10. Denmark </p> <p>11. Norway</p> <p>12. France </p> <p>13. The Netherlands</p> <p>14. Singapore</p> <p>15. Italy </p> <p>16. China</p> <p>17. United Arab Emirates </p> <p>18. South Korea</p> <p>19. Spain</p> <p>20. Finland</p> <p>21. Austria</p> <p>22. Iceland </p> <p>23. Belgium </p> <p>24. Ireland </p> <p>25. Qatar</p> <p><em>Image credits: Shutterstock </em></p>

International Travel

Placeholder Content Image

Surcharges are added to most purchases, but what are the rules behind these extra fees?

<div class="theconversation-article-body"> <p><em><a href="https://theconversation.com/profiles/steve-worthington-138">Steve Worthington</a>, <a href="https://theconversation.com/institutions/swinburne-university-of-technology-767">Swinburne University of Technology</a></em></p> <p>You head to the register at the cafe to pay for your lunch, swipe your card and suddenly realise you’ve been hit with an extra small but unexpected charge.</p> <p>It might be listed on your receipt as a service or merchant fee, but either way it’s because you’ve used a credit or debit card.</p> <p>With the pandemic accelerating the use of cards instead of cash – <a href="https://www.rba.gov.au/publications/bulletin/2023/jun/cash-use-and-attitudes-in-australia.html#:%7E:text=Cash%20payments,-The%20CPS%20suggests&amp;text=In%20value%20terms%2C%20the%20cash,cent%20by%20value%20in%202022.">only 13% of Australians use cash</a>, dropping from 27% in the last five years – these extra charges have become mainstream.</p> <p>However, as was highlighted by National Australia Bank chief executive Andrew Irvine during a <a href="https://www.aph.gov.au/Parliamentary_Business/Committees/Joint/Corporations_and_Financial_Services/FinancialAbuse">parliamentary inquiry</a> into bank charges last week, they are often applied, in varying amounts, by businesses for reasons not always in line with their original purpose.</p> <p>Irvine slammed as <a href="https://www.afr.com/companies/financial-services/credit-card-surcharges-should-be-banned-or-regulated-nab-boss-says-20240830-p5k6jm">“outrageous”</a> a 10% surcharge he was forced to pay when he recently bought a cup of coffee at a Sydney cafe. “I don’t like the lack of transparency and lack of consistency,” he said.</p> <p>But most Australians are making these extra payments every day, without question. So how did this end up happening – and what can you do about it?</p> <h2>Card surcharges in Australia</h2> <p>At the start of this century, payments for goods and services were mainly made by cash, paper cheques, credit and debit cards.</p> <p>The first two of these options would eventually be deposited into a bank account by the merchant who ran the business. The latter two would be processed by the bank or financial institution which would charge the business a merchant service fee.</p> <p>For debit cards this might be a fixed fee. But for credit cards it would be proportionate with the value of the goods or services.</p> <p>The Reserve Bank of Australia became concerned the use of credit cards was greater than that of debit cards and <a href="https://www.rba.gov.au/publications/consultations/201106-review-card-surcharging/background.html">introduced surcharging in January 2003</a>. The intention was to lower the cost to the merchant of accepting debit cards and change customer behaviour.</p> <p>This has been achieved, as both the volume and value of paying by debit cards now exceeds the volume and value of paying by credit cards.</p> <p>However, the reality in 2024 is that card surcharges have become commonplace, and in a wide variety of payment situations.</p> <h2>It’s estimated to cost us billions</h2> <p>It is difficult to calculate the total cost of surcharging to Australian consumers since they became legal more than 20 years ago, because the rates charged vary widely.</p> <p>But at last week’s inquiry, Labor MP Jerome Laxale suggested it added up to <a href="https://www.smh.com.au/money/banking/card-surcharges-are-costing-us-billions-but-can-they-be-avoided-20240830-p5k6o8.html">A$4 billion</a> in the last year.</p> <p>Surcharges can be imposed by small to medium enterprises such as your local cafe, doctor’s surgery, your energy supplier, or when you use a card to pay your council rates.</p> <p>As an example, my rates are payable by card, with a surcharge of 1.10% for Mastercard and Visa credit, and 0.55% for eftpos and Mastercard and Visa debit cards.</p> <h2>When surcharges can be applied</h2> <p>Many merchants charge the same rate for all their card payments and some fail to alert customers to the extra fee before accepting the payment at their terminal, which they are required to do.</p> <p>Indeed, even on a receipt for payment, the surcharge can be described by the merchant as a “handling” or “merchant” fee.</p> <p>The Australian Competition and Consumer Commission <a href="https://www.accc.gov.au/consumers/pricing/card-surcharges">(ACCC)</a> regulates surcharging and demands the merchant prove a surcharge is justified.</p> <p>Furthermore, the ACCC says if there is no way for a consumer to pay without paying a surcharge – that is, they can’t pay by cash or cheque – then the business must include the surcharge in <a href="https://www.accc.gov.au/business/pricing/price-displays#toc-display-of-surcharges">the displayed price</a>.</p> <h2>Penalties for misuse</h2> <p>The ACCC can take merchants to court to enforce these regulations and there have been some examples of this in recent history.</p> <p>In July 2021, <a href="https://www.accc.gov.au/media-release/nine-entertainment-pays-penalties-for-alleged-excessive-payment-surcharges#:%7E:text=The%20ACCC%20alleged%20that%20these,Deputy%20Chair%20Mick%20Keogh%20said.">Nine Entertainment paid penalties totalling $159,840</a>, plus $450,000 redressing customers, for charging subscribers and advertisers excessive surcharges.</p> <p>The ACCC specifies that the surcharge must not be more than it costs the merchant to use that payment type.</p> <p>As guidance to the merchants, it also offers <a href="https://www.accc.gov.au/consumers/pricing/card-surcharges">the average costs for different payment types</a>: eftpos less than 0.5%, Mastercard and Visa Debit 0.5%–1% and Mastercard and Visa credit 1%–1.5%.</p> <p>However, despite the ACCC setting guidelines for the amounts that can be charged, many surcharges are above this guidance and in some cases more than 2.0% for all cards.</p> <p>Some merchants do charge different surcharging rates, depending on the cards they accept, be it eftpos, Mastercard or Visa. In theory, the surcharge rate is meant to be determined by the merchant service fee, which is negotiated between the merchant and their bank.</p> <p>Larger merchants, such as the supermarkets, department stores and energy companies, can negotiate low rates (reportedly as low as one cent a transaction). But smaller merchants with less negotiating clout will have higher service fees.</p> <p>The arrival of new payment players, such as <a href="https://www.forbes.com/advisor/business/software/square-vs-stripe/">Square and Stripe</a>, has offered businesses an alternative banker of card payments, which can then use surcharging as part of their merchant service fees.</p> <h2>Surcharging overseas</h2> <p>The <a href="https://europa.eu/youreurope/business/finance-funding/making-receiving-payments/electronic-cash-payments/index_en.htm">European Union</a> already has a long-standing ban on surcharging, while in the United States, surcharging is illegal in some states.</p> <p>Other countries, including the United Kingdom, have tried surcharging on card payments, only to abandon them as it was rorted by some merchants and became an unnecessary expense for consumers.</p> <p><a href="https://bluenotes.anz.com/posts/2023/07/anz-news-surcharge-steve-worthington-australia#:%7E:text=In%202018%20the%20UK%20Treasury,their%20hard%2Dearned%20money%E2%80%9D.">A statement</a> released by the UK Treasury when it banned the practice in 2018 described surcharges as</p> <blockquote> <p>Hidden charges for paying with a debit or credit card, which will help millions of UK consumers to avoid rip-off fees when spending their hard earned money.</p> </blockquote> <h2>What can you do about it?</h2> <p>Before surcharging was allowed by the Reserve Bank in January 2003, acceptance by merchants of payments was just another cost of doing business. And it seems many consumers have just accepted surcharges as part of their transactions.</p> <p>There are ways to avoid them, the most obvious being to use cash. Using eftpos involves charges, but they are less than those imposed on credit and debit cards.</p> <p>The Reserve Bank is working on implementing a so-called <a href="https://www.rba.gov.au/payments-and-infrastructure/debit-cards/least-cost-routing/#:%7E:text=What%20is%20least%2Dcost%20routing,'merchant%2Dchoice%20routing'.">“least-cost routing”</a> system that defaults to the lowest cost network when processing payments. Unfortunately, this is yet to be widely adopted by businesses.<!-- 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/237964/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/steve-worthington-138"><em>Steve Worthington</em></a><em>, Adjunct Professor, <a href="https://theconversation.com/institutions/swinburne-university-of-technology-767">Swinburne University of Technology</a></em></p> <p><em>Image credits: Shutterstock </em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/surcharges-are-added-to-most-purchases-but-what-are-the-rules-behind-these-extra-fees-237964">original article</a>.</em></p> </div>

Money & Banking

Placeholder Content Image

Romance fraud doesn’t only happen online – it can turn into real-world deception

<div class="theconversation-article-body"><em><a href="https://theconversation.com/profiles/cassandra-cross-122865">Cassandra Cross</a>, <a href="https://theconversation.com/institutions/queensland-university-of-technology-847">Queensland University of Technology</a></em></p> <p>We often think of fraudsters as people on the opposite side of the world. They will manipulate and exploit victims through words on a computer screen, or loving messages through the phone. But romance fraud can also happen in person, with the fraudster sleeping in the bed beside you.</p> <p>This was the circumstance Australian writer Stephanie Wood found herself in. It’s also the basis for the new <a href="https://www.paramountanz.com.au/news/fake-breaks-subscription-and-streaming-records-on-paramount/">television series Fake</a>, currently screening on Paramount+. A dramatisation of Wood’s powerful memoir by the same name, the series outlines the many lies and betrayals of an intimate relationship.</p> <p>It’s a brutal insight into the world of deception which characterises romance fraud.</p> <h2>When love hurts</h2> <p>Romance fraud (or romance scams) is what it sounds like – offenders use the guise of a relationship to gain a financial reward. In most cases, it’s through the direct transfer of money from the victim, but it can also be through using personal credentials to commit identity crimes.</p> <p>From the outside, it’s hard to understand how romance fraud is so effective. However, <a href="https://eprints.qut.edu.au/233966/">research has documented</a> the range of grooming techniques, social engineering tactics and methods of psychological abuse deployed by offenders. Offenders know exactly what to do and say to gain the compliance of their victim.</p> <hr /> <hr /> <p>Offenders target a person’s vulnerability and work hard to build strong levels of trust. There are endless calls, texts and emails that create a bond. Then follows the inevitable “crisis”, whereby the offender needs money urgently for a health emergency, criminal justice situation, business need or even a <a href="https://www.accc.gov.au/media-release/romance-baiting-scams-on-the-rise">cryptocurrency investment</a> opportunity.</p> <p>For many, this can result in ongoing payments and substantial losses. Over <a href="https://www.accc.gov.au/about-us/publications/serial-publications/targeting-scams-reports-on-scams-activity/targeting-scams-report-of-the-accc-on-scams-activity-2023">A$200 million</a> was reported lost by Australians to this fraud type in 2023, but this is likely a gross underestimation of actual figures. It also doesn’t capture the many <a href="https://www.aic.gov.au/sites/default/files/2020-05/29-1314-FinalReport.pdf">non-financial harms</a>, including physical and emotional declines in wellbeing.</p> <p>When the relationship finally ends, it’s too late. The money is gone, the extent of the deception is laid bare, and recovery from the heartache and loss is a constant battle.</p> <p>There is a well-documented “<a href="https://journals.sagepub.com/doi/full/10.1177/1748895815603773">double hit</a>” of victimisation, with individuals needing to grieve the relationship as well as any financial losses.</p> <h2>Seeing is not believing</h2> <p>There are countless incidents of romance fraud where the offender and victim never meet: the deception takes place entirely online. But it’s important to know fraudsters also operate in person.</p> <p>Wood’s memoir details an extraordinary level of lies and dishonesty presented to her throughout her relationship. Stories that laid the groundwork for later fabrications. Stories that were deliberate and calculated in how they were used to gain her trust, and later used against her.</p> <p>The motivations of these real-world deceivers are not always straightforward. Often it’s about money, but not always. For Wood, not being asked for money allayed potential suspicions, but it didn’t reduce her feelings of loss and emotional devastation upon discovering the extent of the lies.</p> <figure><iframe src="https://www.youtube.com/embed/K_1Akqhjy6M?wmode=transparent&amp;start=0" width="440" height="260" frameborder="0" allowfullscreen="allowfullscreen"></iframe></figure> <p>Wood is by no means alone in her experience. Marketing executive Tracy Hall endured a similarly sophisticated and all-encompassing level of deceit in her relationship with <a href="https://www.theguardian.com/australia-news/2019/jun/20/conman-hamish-mclaren-jailed-for-up-to-16-years-after-swindling-76m-from-victims">convicted conman Hamish McLaren</a> (known to her as Max Tavita).</p> <p>In her book, <a href="https://tracyhall.com.au/the-last-victim">The Last Victim</a>, Hall recounts snippets of their daily lives over a 16-month period, with McLaren portraying himself as a successful professional in finance. His mail was addressed to Max Tavita and his phone conversations were with real people. Yet his whole identity and the world he represented to Hall was a complete fabrication.</p> <p>The experiences of Wood and Hall highlight the sheer depth of elaborate deception that can be perpetrated in an intimate relationship. Critically, it highlights romance fraud isn’t relegated to an online environment.</p> <h2>How can we prevent romance fraud?</h2> <p>There is an overwhelming amount of <a href="https://eprints.qut.edu.au/83702/">shame and stigma</a> associated with romance fraud. The dynamics of these deceptive relationships are misunderstood, and this perpetuates negative stereotypes and a discourse of victim blaming, even from friends and family.</p> <p>In hindsight, the warning signs might seem obvious, but fraudsters tend to effectively disguise these in real time and deploy deliberate tactics to overcome any suspicion.</p> <p>We must all create a culture that empowers victims to come forward to raise awareness. This isn’t intended to create fear or anxiety, but to normalise the threat fraud poses, and to allow for difficult conversations if it happens. Ongoing silence from victims only favours the offender.</p> <h2>How to protect yourself from romance fraud</h2> <p>It’s inevitable we’ll continue to swipe right in our efforts to find love. But keep a healthy level of scepticism and an open dialogue with family and friends in any quest for a new relationship.</p> <p>Don’t be afraid to conduct your own searches of people, places and situations presented to you in a relationship. There is a memorable moment in Fake where the protagonist refutes her friend’s offer of assistance, saying “this is a love story not an investigation”. Sadly, sometimes an investigation is necessary.</p> <p>No matter what the circumstance or the person, think carefully before sending any money. Only give what you are willing to lose.</p> <p>Deception comes in many forms. We must recognise it for what it is, and the impact it has on victims. But we must also not give into those who lie, and let them define who we are or dictate our ability to trust.</p> <p><em>If you or someone you know has been a victim of romance fraud, you can report it to <a href="https://www.cyber.gov.au/report-and-recover/report">ReportCyber</a>. For support, contact <a href="https://www.idcare.org/">iDcare</a>. For prevention advice, consult <a href="https://www.scamwatch.gov.au/">Scamwatch</a>.</em><!-- Below is The Conversation's page counter tag. Please DO NOT REMOVE. --><img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/237653/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/cassandra-cross-122865"><em>Cassandra Cross</em></a><em>, Associate Dean (Learning &amp; Teaching) Faculty of Creative Industries, Education and Social Justice, <a href="https://theconversation.com/institutions/queensland-university-of-technology-847">Queensland University of Technology</a></em></p> <p><em>Image credits: Shutterstock</em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/romance-fraud-doesnt-only-happen-online-it-can-turn-into-real-world-deception-237653">original article</a>.</em></p> </div>

Legal

Placeholder Content Image

Tourists reveal the world’s best “non-mainstream” cities

<p dir="ltr">While many eager travellers head to a nation’s capital city when travelling abroad, others prefer to steer off the beaten track for a more authentic experience. </p> <p dir="ltr">A group of keen tourists discussed their favourite “non-mainstream” cities in a popular travel thread on Reddit, with eight destinations around the world coming out on top. </p> <p dir="ltr"><strong>Turin, Italy</strong></p> <p dir="ltr">Most travellers that head to Italy tend to stick to the main tourist-driven cities of Rome, Florence, Milan and Venice. </p> <p dir="ltr">However, according to one traveller, the city of Turin (also known as Torino) is “one of the best cities in the country and it gets ignored by most tourists.”</p> <p dir="ltr">One person wrote, “Great architecture, very walkable, fantastic museums, delicious regional dishes and stunning Alpine backdrop.”</p> <p dir="ltr">Another agreed, adding, “Torino is really great. [It] feels different to any other Italian city. [It's] also totally uncrowded even during peak season.”</p> <p dir="ltr"><strong>Oulu, Finland</strong></p> <p dir="ltr">Aside from the Finnish capital of Helsinki in the far south of the country, some travellers prefer to venture up north into colder climates away from the bustling city. </p> <p dir="ltr">One hotspot is the city of Oulu, which offers a more relaxed pace of life despite its harsh weather. </p> <p dir="ltr">One traveller wrote, “I really enjoyed Oulu in Finland. So much space between buildings, green trees everywhere, a nice beach to relax on and watch the sunset, [and] beautiful parks.”</p> <p dir="ltr">“To me, it looked like the ideal city to live in. I was there in July. I think winters can be harsh.”</p> <p dir="ltr"><strong>Ouray, Colorado, USA</strong></p> <p dir="ltr">Situated in the heart of the San Juan Mountains in southwest Colorado, Ouray is often referred to as the 'Switzerland of America', with many travellers in awe of its beauty. </p> <p dir="ltr">One person simply wrote, “Ouray is stunningly beautiful!” sharing their love for the quaint city. </p> <p dir="ltr"><strong>Nuremberg, Germany</strong> </p> <p dir="ltr">Germany’s most visited cities are usually Berlin and Munich, but Nuremberg also offers a unique glimpse into Germany’s history and culture. </p> <p dir="ltr">One traveller described the city as “amazing” while another said they “absolutely loved the place”. </p> <p dir="ltr">Another claimed that Nuremberg was “so beautiful, magical and fun” during wintertime that it “ruined Christmas for the rest of my life”.</p> <p dir="ltr"><strong>Townsville, Australia</strong></p> <p dir="ltr">When you think of coastal Aussie getaways, many think of Noosa or the Gold Coast as the best places to visit. </p> <p dir="ltr">However, others encouraged travellers to head to the “super-underrated” Townsville in northeastern Queensland instead.</p> <p dir="ltr">One traveller remarked that it has “great bars and restaurants”, adding, “It was a good base to get around the place. I found the locals friendly, [it] wasn't overrun with tourists like Cairns. My wife and I both thought it was a super-underrated place and we'll be back.”</p> <p dir="ltr"><strong>Khiva, Uzbekistan </strong></p> <p dir="ltr">The city of Khiva, locally pronounced 'Heevah', is more than 2,500 years old and is a keen holiday destination for history buffs. </p> <p dir="ltr">One traveller wrote of the charming city, “The old city inside the walls is so well preserved that it's like entering another time. Early morning and after dark, when the tourist market has closed, and the buses have left, makes for a magical experience. I've been to a lot of places in the world but will never forget the magic of that place.”</p> <p dir="ltr"><strong>Salta, Argentina</strong></p> <p dir="ltr">Located in the north of the country, Salta is “definitely not on the mainstream path”, but worth the journey.</p> <p dir="ltr">One tourist wrote, “The city itself isn't the most exciting but it's safe, the food is incredible, and it's the gateway to some of the most beautiful natural areas I've seen in my life.”</p> <p dir="ltr"><strong>Kastoria, Greece</strong></p> <p dir="ltr">Located in northern Greece in the region of Western Macedonia, Kastoria sits on the shore of Lake Orestiada and is surrounded by limestone mountains. </p> <p dir="ltr">One traveller fell in love with the Greek destination, writing, “This is the definition of a hidden gem. It's deep in northern Greece and on a peninsula jutting into the middle of a lake, so it's just this incredibly serene and picturesque setting. There's history on every street corner, too.”</p> <p dir="ltr"><em>Image credits: Shutterstock </em></p> <p> </p>

International Travel

Our Partners