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"You made me enjoy the game": Federer's emotional retirement letter to Nadal

<p>Roger Federer has penned an emotional tribute to Rafael Nadal ahead of his retirement, reflecting on their stellar careers together. </p> <p>Nadal’s career officially came to an end when Spain was defeated 2-1 by the Netherlands in the Davis Cup quarter-final in Malaga on Wednesday morning, with Nadal in tears as he stepped onto the court for the final time. </p> <p>Thousands of tributes poured in for Nadal as his retirement officially began, but Federer's tribute quickly went viral for his emotional words.</p> <p>“As you get ready to graduate from tennis, I’ve got a few things to share before I maybe get emotional,” Federer said. </p> <p>“Let’s start with the obvious: you beat me - a lot. More than I managed to beat you. You challenged me in ways no one else could. On clay, it felt like I was stepping into your backyard, and you made me work harder than I ever thought I could just to hold my ground."</p> <p>“You made me reimagine my game - even going so far as to change the size of my racquet head, hoping for any edge. I’m not a very superstitious person, but you took it to the next level. Your whole process. All those rituals."</p> <p>“Assembling your water bottles like toy soldiers in formation, fixing your hair, adjusting your underwear … All of it with the highest intensity. Secretly, I kind of loved the whole thing. Because it was so unique - it was so you."</p> <p>“And you know what, Rafa, you made me enjoy the game even more. OK, maybe not at first. After the 2004 Australian Open, I achieved the No. 1 ranking for the first time. I thought I was on top of the world. And I was - until two months later, when you walked on the court in Miami in your red sleeveless shirt, showing off those biceps, and you beat me convincingly."</p> <p>"All that buzz I’d been hearing about you - about this amazing young player from Mallorca, a generational talent, probably going to win a major someday - it wasn’t just hype."</p> <p>“We were both at the start of our journey and it’s one we ended up taking together. Twenty years later, Rafa, I have to say: What an incredible run you’ve had. Including 14 French Opens - historic! You made Spain proud … you made the whole tennis world proud."</p> <p>“And then there was London – the Laver Cup in 2022. My final match. It meant everything to me that you were there by my side – not as my rival but as my doubles partner."</p> <p>“Sharing the court with you that night, and sharing those tears, will forever be one of the most special moments of my career.”</p> <p>Federer signed off the 585-word tribute from “your fan Roger”.</p> <p><em>Image credits: ANDY RAIN/EPA-EFE/Shutterstock Editorial </em></p>

Retirement Life

How hip pain led Sydney karate master to life-changing weight loss journey

<div> <p>Sydney-based karate instructor and personal trainer Glenn Stephenson knows the toll that joint pain and extra weight can take on physical activity. Despite decades of experience as a martial arts coach, Glenn found himself increasingly limited by severe hip pain and unwanted weight gain.</p> </div> <div> <p>In 2021, at 95 kilograms, the 64-year-old’s arthritis and reduced mobility affected not only his work but also his confidence. “I couldn’t move around like I wanted to, and as a master instructor, it felt wrong to be teaching students while carrying so much extra weight,” he admits.</p> </div> <div> <p>Glenn’s pain and discomfort prompted him to make a drastic change. Instead of resorting to extreme dieting, he adopted a more sustainable approach to weight loss to reduce joint and liver inflammation, and regain his mobility. He shed 20 kilograms and now walks four kilometres daily. “I can move better, my mental health has improved, and I feel more capable of guiding my students,” he says.</p> </div> <div> <p>Today, Glenn encourages others struggling with weight to take a balanced approach to fitness and health. “I look the part now, which gives me confidence as a master instructor to show my students that staying active is achievable at any age.”</p> </div> <div> <p>Dietitian Kirby Sorenson, from health platform <a title="https://www.getmosh.com.au/?utm_term=mosh&utm_campaign=Cross_Search_Brand_Mosh&utm_source=paid-search&utm_medium=adwords&utm_content=100740202037&hsa_acc=5792635568&hsa_cam=1701000406&hsa_grp=100740202037&hsa_ad=697110582898&hsa_src=g&hsa_tgt=kwd-295213997936&hsa_kw=mosh&hsa_mt=p&hsa_net=adwords&hsa_ver=3&gclid=CjwKCAiAxKy5BhBbEiwAYiW--5qfGzQVQBG-CmA6baVMEeP5Zmk_oB_GOstA1n2vabFrLzbeDrEEnxoCM4YQAvD_BwE" href="https://www.getmosh.com.au/?utm_term=mosh&utm_campaign=Cross_Search_Brand_Mosh&utm_source=paid-search&utm_medium=adwords&utm_content=100740202037&hsa_acc=5792635568&hsa_cam=1701000406&hsa_grp=100740202037&hsa_ad=697110582898&hsa_src=g&hsa_tgt=kwd-295213997936&hsa_kw=mosh&hsa_mt=p&hsa_net=adwords&hsa_ver=3&gclid=CjwKCAiAxKy5BhBbEiwAYiW--5qfGzQVQBG-CmA6baVMEeP5Zmk_oB_GOstA1n2vabFrLzbeDrEEnxoCM4YQAvD_BwE" data-outlook-id="bc4b923a-a4a3-4af0-80db-e837cd64b4c7">Mosh</a>, is encouraging Australians to ditch the Body Mass Index (BMI) in favour of more modern diagnostics to determine the risk of disease linked to higher body fat, declaring it’s unfairly categorising people as being overweight.</p> </div> <div> <p>Ms Sorenson says knowing your Body Roundness Index (BRI) as well as your Basal Metabolic Rate (BMR) can more accurately predict the risk of diseases like high blood pressure, type 2 diabetes and heart disease because it works out body fat levels based on height and waist circumference, rather than the BMI method which relies on height and weight.</p> </div> <div> <p>“BMI has long been criticised for inaccurately categorising people as overweight or obese because it doesn’t differentiate between those who carry a lot of muscle and individuals with fat in the wrong places,” Ms Sorenson says.</p> </div> <div> <p>“The problem is that it only looks at overall weight, while the BRI focuses on fat held around the abdomen which is the riskiest fat in terms of overall health.</p> </div> <div> <p>Once the BRI is determined, Ms Sorenson says it can help to know your Basal Metabolic Rate, which is largely determined by your total lean mass to help determine a healthy path to maintaining a healthy weight range.</p> </div> <div> <p>“The basal metabolic rate or BMR gives you an idea of how many calories your body burns doing the bare minimum; breathing, blood circulation, brain and nerve function. It can vary greatly from person to person, which explains why individual weight loss journeys can be so different,” Ms Sorenson said.</p> </div> <div> <p>For more information visit Moshy’s online <a title="https://www.getmoshy.com.au/weight-loss/basal-metabolic-rate-calculator?srsltid=AfmBOoobS-PiI_4sJn2ykpEG6vzq6qkvQXammfLv4Rm-mS5nwll6EN0m" href="https://www.getmoshy.com.au/weight-loss/basal-metabolic-rate-calculator?srsltid=AfmBOoobS-PiI_4sJn2ykpEG6vzq6qkvQXammfLv4Rm-mS5nwll6EN0m" data-outlook-id="800f9af2-0a34-4ac4-801b-d16714c7ec2e">BMR calculator</a>.</p> <p><em>Image credits: Supplied</em></p> </div>

Body

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

Your Go-To guide to game-changing Christmas skincare

<p dir="ltr">When it comes to Christmas presents, it’s hard to go wrong with skincare, makeup or anything in the general “self-care” space. </p> <p dir="ltr">This Christmas, <a href="https://gotoskincare.com/collections/holiday-2024">Go-To</a> (the revolutionary skincare brand founded by Zoe Foster-Blake) have released their most beautiful collection yet in collaboration with Alémais to deliver the very best in feeling good, for any budget. </p> <p dir="ltr">With 11 extremely limited gifts and sets to help you spread some serious cheer this season, you’ll find something for everyone, whether it’s for your daughter, granddaughter, neighbour, or that one friend that is always looking to level up their skincare routine. </p> <p dir="ltr">For the second year running, Go-To’s undeniably unique print and packaging is thanks to a local collaboration with Alémais, celebrating the very vibrant and zesty DNA of both brands.</p> <blockquote class="instagram-media" style="background: #FFF; border: 0; border-radius: 3px; box-shadow: 0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width: 540px; min-width: 326px; padding: 0; width: calc(100% - 2px);" data-instgrm-permalink="https://www.instagram.com/p/DBsyJSnxTMY/?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/DBsyJSnxTMY/?utm_source=ig_embed&utm_campaign=loading" target="_blank" rel="noopener">A post shared by Go-To (@gotoskincare)</a></p> </div> </blockquote> <p dir="ltr">The gorgeous gift sets start at just $26 with Perfect Present, or for those looking more on the luxury side, the $300 must-have Facial In A Box has everything you need.</p> <p dir="ltr">You’ll also spot several never-before-seen items from Go-To, like, Bon Bons, a trio of tinted lip balms, and custom tarot cards.</p> <p dir="ltr">In addition to all the stunning skincare, Go-To have created gifts that live on as keepsakes, such as the signature silk pillowcase and matching silk eye mask.</p> <p dir="ltr">Or, if you can’t pick just one gift for that special someone, or you want to treat yourself and just can’t wait until December 25th, the 12 Days Of Go-To advent calendar is filled with so many merry items of merch paired with the effective, quality, clinically-proven skincare you know, love and need.</p> <blockquote class="instagram-media" style="background: #FFF; border: 0; border-radius: 3px; box-shadow: 0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width: 540px; min-width: 326px; padding: 0; width: calc(100% - 2px);" data-instgrm-permalink="https://www.instagram.com/reel/DBrsRwlJRsG/?utm_source=ig_embed&utm_campaign=loading" data-instgrm-version="14"> <div style="padding: 16px;"> <div style="display: flex; flex-direction: row; align-items: center;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 40px; margin-right: 14px; width: 40px;"> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 100px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 60px;"> </div> </div> </div> <div style="padding: 19% 0;"> </div> <div style="display: block; height: 50px; margin: 0 auto 12px; width: 50px;"> </div> <div style="padding-top: 8px;"> <div style="color: #3897f0; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: 550; line-height: 18px;">View this post on Instagram</div> </div> <div style="padding: 12.5% 0;"> </div> <div style="display: flex; flex-direction: row; margin-bottom: 14px; align-items: center;"> <div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(0px) translateY(7px);"> </div> <div style="background-color: #f4f4f4; height: 12.5px; transform: rotate(-45deg) translateX(3px) translateY(1px); width: 12.5px; flex-grow: 0; margin-right: 14px; margin-left: 2px;"> </div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(9px) translateY(-18px);"> </div> </div> <div style="margin-left: 8px;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 20px; width: 20px;"> </div> <div style="width: 0; height: 0; border-top: 2px solid transparent; border-left: 6px solid #f4f4f4; border-bottom: 2px solid transparent; transform: translateX(16px) translateY(-4px) rotate(30deg);"> </div> </div> <div style="margin-left: auto;"> <div style="width: 0px; border-top: 8px solid #F4F4F4; border-right: 8px solid transparent; transform: translateY(16px);"> </div> <div style="background-color: #f4f4f4; flex-grow: 0; height: 12px; width: 16px; transform: translateY(-4px);"> </div> <div style="width: 0; height: 0; border-top: 8px solid #F4F4F4; border-left: 8px solid transparent; transform: translateY(-4px) translateX(8px);"> </div> </div> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center; margin-bottom: 24px;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 224px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 144px;"> </div> </div> <p style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; line-height: 17px; margin-bottom: 0; margin-top: 8px; overflow: hidden; padding: 8px 0 7px; text-align: center; text-overflow: ellipsis; white-space: nowrap;"><a style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: normal; line-height: 17px; text-decoration: none;" href="https://www.instagram.com/reel/DBrsRwlJRsG/?utm_source=ig_embed&utm_campaign=loading" target="_blank" rel="noopener">A post shared by Go-To (@gotoskincare)</a></p> </div> </blockquote> <p dir="ltr">The Go-To treats are ones you can feel good about in more ways than one, as Go-To is donating $1 from all marked gifts and sets, to their 2024 charity partner, Orange Sky: a not-for-profit that provides complimentary laundry services and warm showers to people in the community who are experiencing homelessness and hardship.</p> <p dir="ltr">With this glorious fusion of colour, wonderfully wacky motifs, and giving to those in need in the spirit of Christmas, Go-To has a gift for everyone in their most coveted holiday collection to date.</p> <p dir="ltr">The Go-To Christmas range is available at <a href="https://www.mecca.com/en-au/go-to/">Mecca</a>, both in-store and online, and on the official <a href="https://gotoskincare.com/collections/holiday-2024">Go-To</a> website.</p> <p dir="ltr"><em>Image credits: Shutterstock / Instagram </em></p> <p><span id="docs-internal-guid-bb2c25c8-7fff-6953-de80-1b3c24792a23"></span></p>

Beauty & Style

Could a recent ruling change the game for scam victims? Here’s why the banks will be watching closely

<div class="theconversation-article-body"><em><a href="https://theconversation.com/profiles/jeannie-marie-paterson-6367">Jeannie Marie Paterson</a>, <a href="https://theconversation.com/institutions/the-university-of-melbourne-722">The University of Melbourne</a> and <a href="https://theconversation.com/profiles/nicola-howell-1160247">Nicola Howell</a>, <a href="https://theconversation.com/institutions/queensland-university-of-technology-847">Queensland University of Technology</a></em></p> <p>In Australia, it’s scam victims who foot the bill for the overwhelming majority of the money lost to scams each year.</p> <p>A 2023 <a href="https://download.asic.gov.au/media/mbhoz0pc/rep761-published-20-april-2023.pdf">review</a> by the Australian Securities and Investments Commission (ASIC) found banks detected and stopped only a small proportion of scams. The total amount banks paid in compensation paled in comparison to total losses.</p> <p>So, it was a strong statement this week when it was revealed the Australian Financial Conduct Authority (AFCA) had <a href="https://my.afca.org.au/searchpublisheddecisions/kb-article/?id=f9f8941f-7379-ef11-ac20-000d3a6acbb4">ordered</a> a bank – HSBC – to compensate a customer who lost more than $47,000 through a sophisticated bank impersonation or “spoofing” scam.</p> <p>This decision was significant. An AFCA determination is binding on the relevant bank or other financial institution, which has <a href="https://www.afca.org.au/make-a-complaint#:%7E:text=Any%20determinations%20we%20make%20are,service%20is%20free%20to%20access">no direct right of appeal</a>. It could have implications for the way similar cases are treated in future.</p> <p>The ruling comes amid a broader push for sector-wide reforms to give banks more responsibility for <a href="https://www.fico.com/blogs/detection-prevention-tackling-scams-every-angle">detecting</a>, deterring and responding to scams, as opposed to simply telling customers to be “more careful”.</p> <p>Here’s what you should know about this landmark ruling, and what it might mean for consumers.</p> <h2>A highly sophisticated ‘spoofing’ scam</h2> <p>You might be familiar with “push payment” scams that trick the victim into paying money to a dummy account. These include the “<a href="https://www.acma.gov.au/articles/2024-01/scam-alert-re-emergence-hi-mum-scam">mum I’ve lost my phone</a>” scam and some <a href="https://www.scamwatch.gov.au/types-of-scams/online-dating-and-romance-scams">romance</a> scams.</p> <p>The <a href="https://www.smh.com.au/national/dragged-kicking-and-screaming-banking-giant-loses-battle-against-scam-victim-20241015-p5kide.html">recent case</a> concerned an equally noxious “bank impersonation” or “spoofing” scam. The complainant – referred to as “Mr T” – was tricked into giving the scammer access to his HSBC account, from which an unauthorised payment was made.</p> <p>The scammer sent Mr T a text message, purportedly asking him to investigate an attempted Amazon transaction.</p> <p>In an effort to respond to the (fake) unauthorised Amazon purchase, Mr T revealed security passcodes to the scammer, enabling them to transfer $47,178.54 from his account and disappear with it.</p> <p>The fact Mr T was dealing with scammers was far from obvious – scammers had information about him one might reasonably expect only a bank would know, such as his bank username.</p> <p>On top of this, the scam text message appeared in a thread of other legitimate text messages that had previously been sent by the real HSBC.</p> <h2>AFCA’s ruling</h2> <p>HSBC argued to AFCA that having to pay compensation should be ruled out under the <a href="https://download.asic.gov.au/media/lloeicwb/epayments-code-published-02-june-2022.pdf">ePayments Code</a>, a voluntary code of practice administered by ASIC.</p> <p>Under this code, a bank is not required to compensate a customer for an unauthorised payment if that customer has disclosed their passcode. The bank argued the complainant had voluntarily disclosed these codes to the scammer, meaning the bank didn’t need to pay.</p> <p>AFCA disagreed. It noted the very way the scam had worked was by creating a sense of urgency and crisis. AFCA considered that the complainant had been manipulated into disclosing the passcodes and had not acted voluntarily.</p> <p>AFCA awarded compensation covering the vast majority of the disputed transaction amount, lost interest charged to a home loan account, and $5,000 towards Mr T’s legal costs.</p> <p>It also ordered the bank to pay compensation of $1,000 for poor customer service in dealing with the matter, including communication delays.</p> <h2>Other cases may be more complex</h2> <p>In this case, the determination was relatively straightforward. It found Mr T had not voluntarily disclosed his account information, so was not excluded from being compensated under the ePayments Code.</p> <p>However, many payment scams fall outside the ePayments Code because they involve the customer directly sending money to the scammer (as opposed to the scammer accessing the customer’s account). That means there is no code to direct compensation.</p> <p>Still, AFCA’s jurisdiction is broader than merely applying a code. In considering compensation for scam losses, AFCA must consider what is “fair in all the circumstances”. This means taking into account:</p> <ul> <li>legal principles</li> <li>applicable industry codes</li> <li>good industry practice</li> <li>previous AFCA decisions.</li> </ul> <p>Relevant factors might well include whether the bank was proactive in responding to known scams, as well as the challenges for individual customers in identifying scams.</p> <h2>Broader reforms are on the way</h2> <p>At the heart of this determination by AFCA is a recognition that, increasingly, detecting sophisticated scams can be next to impossible for customers, which can mean they don’t act voluntarily in making payments to scammers.</p> <p>Similar reasoning has informed a range of recent reform initiatives that put more responsibility for detecting and responding to scams on the banks, rather than their customers.</p> <p>In 2023, Australia’s banking sector committed to a new “<a href="https://www.ausbanking.org.au/scam-safe-accord/">Scam-Safe Accord</a>”. This is a commitment to implement new measures to protect customers, including a confirmation of payee service, delays for new payments, and biometric identity checks for new accounts.</p> <p>Changes on the horizon could be more ambitious and significant.</p> <p>The proposed <a href="https://treasury.gov.au/consultation/c2024-573813">Scams Prevention Framework</a> legislation would require Australian banks, telcos and <a href="https://pursuit.unimelb.edu.au/articles/accc-vs-big-tech-round-10-and-counting">digital platforms</a> to take reasonable steps to prevent, detect, report, disrupt and respond to scams.</p> <p>It would also include a compulsory external dispute resolution process, like AFCA’s, for consumers seeking compensation for when any of these institutions fail to comply.</p> <p>Addressing scams is not just an Australian issue. In the United Kingdom, newly introduced <a href="https://www.bbc.com/news/articles/cy94vz4zd7zo">rules</a> make paying and receiving banks responsible for compensating customers, for scam losses up to £85,000 (A$165,136), unless the customer is grossly negligent.<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/241558/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /></p> <p><em><a href="https://theconversation.com/profiles/jeannie-marie-paterson-6367">Jeannie Marie Paterson</a>, Professor of Law, <a href="https://theconversation.com/institutions/the-university-of-melbourne-722">The University of Melbourne</a> and <a href="https://theconversation.com/profiles/nicola-howell-1160247">Nicola Howell</a>, Senior lecturer, <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/could-a-recent-ruling-change-the-game-for-scam-victims-heres-why-the-banks-will-be-watching-closely-241558">original article</a>.</em></p> </div>

Money & Banking

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

"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

"Never been seen before": Fergie reveals new details from 9/11 near miss

<p>Sarah Ferguson, affectionately known as Fergie, has taken to Instagram overnight to share new details of her 9/11 near miss. </p> <p>24 years on, the Duchess of York, who has previously revealed that she was meant to be in the World Trade Centre's North Tower when the plane struck the building, has shared more details of the day.</p> <p>Fergie recalled how her friend, billionaire businessman Howard Lutnick, gave her an office on the 101st floor of the World Trade Centre at the time, for her charity Chances for Children. </p> <p>The charity's logo had a mascot called Little Red, which was eventually made into a doll for a child named PJ who survived the 1995 Oklahoma City Bombings.</p> <p>On the day of the 9/11 attacks Fergie was due to attend a meeting in the office, but was running late because of an earlier engagement, so she was still on route to the building when the terrorists struck. </p> <p>"I was driving in the car and I was late for work... and Little Red was found in the rubble," she said in the video. </p> <p>Fergie opened a box to reveal her own Little Red doll that survived the attacks. While she has previously talked about the doll, this is the first time she revealed what it looked like. </p> <p>"A fireman picked her up, carried her out, like the fireman that picked up PJ all those years ago in the Oklahoma City Bombing," she continued. </p> <p>"And CNN filmed it and said, 'Look, a child's doll.' And Larry King said, 'That's no child's doll. That's Fergie's Little Red' and she stands for children's rights all over the world and she's a sign of hope for children.</p> <p>"What no one has ever seen before and I would like to share this with you is the actual doll that survived in 9/11.</p> <p>"So here, I have it at home. Normally I talk about Little Red and here is the actual doll that survived.</p> <p>"You can see the dust from the building — that's never been seen before.</p> <blockquote class="instagram-media" style="background: #FFF; border: 0; border-radius: 3px; box-shadow: 0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width: 540px; min-width: 326px; padding: 0; width: calc(100% - 2px);" data-instgrm-permalink="https://www.instagram.com/reel/C_xjdvMKSCn/?utm_source=ig_embed&utm_campaign=loading" data-instgrm-version="14"> <div style="padding: 16px;"> <div style="display: flex; flex-direction: row; align-items: center;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 40px; margin-right: 14px; width: 40px;"> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 100px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 60px;"> </div> </div> </div> <div style="padding: 19% 0;"> </div> <div style="display: block; height: 50px; margin: 0 auto 12px; width: 50px;"> </div> <div style="padding-top: 8px;"> <div style="color: #3897f0; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: 550; line-height: 18px;">View this post on Instagram</div> </div> <div style="padding: 12.5% 0;"> </div> <div style="display: flex; flex-direction: row; margin-bottom: 14px; align-items: center;"> <div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(0px) translateY(7px);"> </div> <div style="background-color: #f4f4f4; height: 12.5px; transform: rotate(-45deg) translateX(3px) translateY(1px); width: 12.5px; flex-grow: 0; margin-right: 14px; margin-left: 2px;"> </div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(9px) translateY(-18px);"> </div> </div> <div style="margin-left: 8px;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 20px; width: 20px;"> </div> <div style="width: 0; height: 0; border-top: 2px solid transparent; border-left: 6px solid #f4f4f4; border-bottom: 2px solid transparent; transform: translateX(16px) translateY(-4px) rotate(30deg);"> </div> </div> <div style="margin-left: auto;"> <div style="width: 0px; border-top: 8px solid #F4F4F4; border-right: 8px solid transparent; transform: translateY(16px);"> </div> <div style="background-color: #f4f4f4; flex-grow: 0; height: 12px; width: 16px; transform: translateY(-4px);"> </div> <div style="width: 0; height: 0; border-top: 8px solid #F4F4F4; border-left: 8px solid transparent; transform: translateY(-4px) translateX(8px);"> </div> </div> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center; margin-bottom: 24px;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 224px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 144px;"> </div> </div> <p style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; line-height: 17px; margin-bottom: 0; margin-top: 8px; overflow: hidden; padding: 8px 0 7px; text-align: center; text-overflow: ellipsis; white-space: nowrap;"><a style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: normal; line-height: 17px; text-decoration: none;" href="https://www.instagram.com/reel/C_xjdvMKSCn/?utm_source=ig_embed&utm_campaign=loading" target="_blank" rel="noopener">A post shared by Sarah Ferguson (Fergie) (@sarahferguson15)</a></p> </div> </blockquote> <p>"And I hope Little Red will be talked about all over the world because she's just a very strong, stoic little person."</p> <p>She also shared that on the day, Little Red "sat on her desk overlooking Manhattan on that fateful day when the towers came down."</p> <p>"She came down through the rubble and landed fully intact," she wrote.</p> <p>"Little Red was carried out of the rubble in the fireman's hat exactly as PJ, a child burn victim, was carried years earlier in the Oklahoma City bombing, where the doll was first inspired to bring hope during difficult times and raise money for aid.</p> <p>"Little Red now sits in the 9/11 memorial museum and serves as a reminder of hope within the darkness. We will #neverforget," she continued before encouraging her followers to donate to the Cantor Relief Fund, to support families affected by disaster. </p> <p><em>Images: Instagram</em></p> <p> </p>

Caring

"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

"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 & 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

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&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><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" /></p> <p><a href="https://theconversation.com/profiles/cassandra-cross-122865"><em>Cassandra Cross</em></a><em>, Associate Dean (Learning & 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

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

Why aren’t the Olympics and Paralympics combined into one Games? The reasoning goes beyond logistics

<div class="theconversation-article-body"><em><a href="https://theconversation.com/profiles/laura-misener-992664">Laura Misener</a>, <a href="https://theconversation.com/institutions/western-university-882">Western University</a> </em></p> <p>As the lights go out on an outstanding Olympic Games in Paris, with <a href="https://www.cbc.ca/mediacentre/press-release/7-in-10-canadians-tune-in-for-paris-2024">record-breaking media attention</a> and <a href="https://olympic.ca/press/paris-2024-team-canada-brings-home-historic-medal-haul/">excellent medal results for Team Canada</a>, it’s important to remember the Games aren’t over — it’s just the halfway mark.</p> <p>While the closing ceremonies on Aug. 11 seemed like the end of the event with the <a href="https://www.ctvnews.ca/sports/as-the-olympic-flame-heads-for-los-angeles-what-can-we-expect-from-the-2028-games-1.6997247">official handover to Los Angeles for the 2028 Summer Games</a>, the 2024 Games are really just on pause.</p> <p>This two-week break between Olympic and Paralympic Games isn’t a respite at all. Paris is now getting ready to host the Paralympic Games, which will <a href="https://olympics.com/en/paris-2024/information/competition-schedule-for-the-paralympic-games">begin on Aug. 28 with the opening ceremony</a>.</p> <p>In two weeks, a whole new set of elite international athletes will descend on Paris for the <a href="https://olympics.com/en/sports/paralympic/">third largest sporting event</a> in the world. Canada will be sending <a href="https://paralympic.ca/news/team-of-126-canadian-athletes-set-to-compete-at-paris-2024-paralympic-games/">126 athletes to the Paris Paralympics</a> to compete in 18 sports.</p> <p>Staff will be working hard to set up venues for the Paralympic sports. This means tearing down some temporary venues and putting up others that facilitate accessibility for Paralympic sports, athletes and their entourage.</p> <p>Transforming <a href="https://olympics.com/en/paris-2024/the-games/village">the village</a>, which housed just over 14,000 athletes and team personnel for the Olympics, to get it ready for the 8,000 para athletes and staff for the Paralympic Games is no simple feat.</p> <h2>A logistical nightmare</h2> <p>At this juncture, the question often arises as to why the Olympics and Paralympics aren’t combined together into one Games. The reasoning behind the decision is more complicated than it might appear.</p> <p>In 2001, the International Olympic Committee and the International Paralympic Committee signed the <a href="https://www.paralympic.org/feature/2-historic-one-bid-one-city-agreement">One Bid, One City</a> agreement to protect the interests of the Paralympic Games. The agreement requires host cities to stage both the Olympic and Paralympic Games using the same venues, facilities and infrastructure. This also unites the two sporting movements.</p> <p>The sheer size of such an event would make it impossible for almost any city to host a single combined Olympic and Paralympic Games. Consider the logistics of an event that would include approximately 15,000 athletes over 50 sporting disciplines.</p> <p>In the current iteration, there are already 15 cities outside of Paris playing host to events. For instance, sailing was <a href="https://olympics.com/en/paris-2024/venues/marseille-marina">held in Marseille</a>, shooting was <a href="https://olympics.com/en/paris-2024/venues/chateauroux-shooting-centre">held in Châteauroux</a> and the rowing and canoe-kayak events were <a href="https://olympics.com/en/paris-2024/venues/vaires-sur-marne-nautical-stadium">held in Vaires-sur-Marne</a>. Even a city with the resources and infrastructure of Paris could not, and would not, host an event of that size.</p> <p>Combining the games would necessitate a change in structure, and inevitably sports — likely Paralympic sports — would be dropped. Hence the two-week break between Games.</p> <h2>Paralympics deserve their own spotlight</h2> <p>The discussion about the separation of the two events goes much deeper than logistical concerns. Some supporters of the Paralympic Games see the need and value for a <a href="https://time.com/7004176/olympic-paralympic-games-separate/">separate event</a> that showcases and highlights elite athletes with disabilities.</p> <p>IPC President Andrew Parsons, for example, argues that hosting the Paralympic Games separately <a href="https://www.insidethegames.biz/articles/1147694/merging-olympic-and-paralympic-games">focuses on their broader mission</a> of drawing attention to “issues of disability rights, accessibility, and broader areas of inclusion for the legacy of the event.”</p> <p>The distinct Paralympic event showcases the elite performances of Para athletes, giving them the attention and celebration deserved. All too often, Para athletes’ successes are overshadowed by the <a href="https://doi.org/10.1177/21674795221103410">tendency of media to prioritize non-disabled athletes</a>, often marginalizing or overlooking the achievements of athletes with disabilities.</p> <p>The challenge, then, is for the host city to maintain the momentum from the Olympics and ensure Paralympic athletes receive the recognition they deserve for their sporting successes. The Canadian Paralympic Committee launched their <a href="https://paralympic.ca/games/paris-2024/">Greatness Moves Us</a> campaign recently to highlight the stories of excellence of Paralympic athletes and galvanize support and viewership.</p> <h2>A lasting legacy</h2> <p>Ultimately, the Paralympic Games showcase elite sporting excellence in a way that no other event does. But the Games are about so much more — championing inclusion, disability rights and a lasting legacy of social change.</p> <p>Paris is an example of a city that has stepped up to the challenge. It put <a href="https://www.nytimes.com/2024/05/06/travel/paris-olympics-accessibility-disabled.html">accessibility at the centre of its bid</a>, knowing full well the challenge ahead of them in the historic city.</p> <p>Leading into the Games, the city has made good on <a href="https://www.insidethegames.biz/articles/1147595/paris-accessibility-paralympics-games">many promises around accessibility</a> and increasing opportunities for people with disabilities. The city upgraded the overground transportation network by adding fully accessible bus and tram lines, and introduced 1,000 accessible taxis.</p> <p>They also tackled some challenging tasks, such as upgrading historic venues into accessible sporting spaces. More than €10 million was allocated to improve the accessibility of six major sports facilities, including the <a href="https://www.paris.fr/en/pages/georges-vallerey-swimming-pool-reopens-after-renovation-work-27046">Georges Vallerey swimming pool</a> and the <a href="https://www.paris.fr/en/pages/the-pierre-de-coubertin-stadium-has-been-renovated-for-the-olympic-games-27211">Pierre de Coubertin stadium</a>.</p> <p>The aim is to sustain the momentum, not only between the Olympic and Paralympic Games, but long after they conclude, with the goal of creating a more <a href="https://olympics.com/en/paris-2024/our-commitments/promoting-the-role-of-sports/more-inclusive-society">inclusive society</a> in France.</p> <p>Leading up to the start of the Paralympics, there is some concern about whether the momentum will be there from a viewership perspective and spectators in the stands. The Tokyo 2020 Paralympic Games set records for viewership in a Games that was largely devoid of spectators in the stand due to the COVID-19 pandemic.</p> <p>American <a href="https://www.wkar.org/wkar-news/2022-01-17/opinion-sports-are-a-shared-human-experience-bringing-us-joy-and-drama-so-it-is-time-to-appreciate-the-paralympics-on-par-with-the-olympics">television network NBC</a> reported 15.5 million viewers per night for the 2020 Olympic Games, in contrast to 14 million viewers in total for the 2020 Paralympic Games.</p> <p>But many of us will be looking more at the momentum of the event to be a catalyst for inclusion, access and opportunity beyond the events. Once all the lights go out on the Games, it is the lasting legacy of social change that will be the ultimate judge of the success of both the Olympic and Paralympic Games.<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/236670/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /></p> <p><em><a href="https://theconversation.com/profiles/laura-misener-992664">Laura Misener</a>, Professor & Director, School of Kinesiology, <a href="https://theconversation.com/institutions/western-university-882">Western University</a></em></p> <p><em>Image credits: ALI HAIDER/EPA-EFE/Shutterstock Editorial </em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/why-arent-the-olympics-and-paralympics-combined-into-one-games-the-reasoning-goes-beyond-logistics-236670">original article</a>.</em></p> </div>

International Travel

Readers response: If you could spend your retirement anywhere in the world, where would you go?

<p>When it comes to retirement, many people decide to spend their golden years travelling the globe. </p> <p>Alternatively, others prefer to stay closer to come to spend valuable quality time with their closest friends and family. </p> <p>We asked our readers where they would spend their retirement if they could choose anywhere in the world, and the response was overwhelming. Here's what they said. </p> <p><strong>Tracee Williams Mason</strong> - A cruise ship.</p> <p><strong>Kay Little-Ohmsen</strong> - Right where I am. Sunshine Coast and have been for 48 years.</p> <p><strong>Cheryl Barrett</strong> - On the Greek island of Naxos.</p> <p><strong>Bruce Hopkins</strong> - Travelling around the world.</p> <p><strong>Bob Holl</strong> - Cruising the Whitsunday Islands. </p> <p><strong>Steve Tracy</strong> - Back to Japan where I spent the 25 happiest years of my life.</p> <p><strong>Terry Dolman</strong> - Where I live in South Australia for half the year, Vietnam for the other half. </p> <p><strong>Bev Martin</strong> - Florida.</p> <p><strong>Sandra Tiplady Schellings</strong> - At the beach!</p> <p><strong>Sonia Davis</strong> - Darwin. </p> <p><strong>Sally O'Neill</strong> - European cruise and cruising around the Greek Isles.</p> <p><em>Image credits: Shutterstock </em></p>

International Travel

World's second largest diamond unearthed

<p>A massive diamond, believed to be the second largest in the world, has been unearthed in Botswana according to a mining company. </p> <p>The huge stone is thought to be the biggest found since the 3106-carat Cullinan Diamond was discovered in South Africa in 1905.</p> <p>Canadian mining company Lucara Diamond Corp. announced that the "exceptional" gem, at 2492-carats, was found intact in its Karowe mine.</p> <p>The company celebrated the find as "one of the largest rough diamonds ever unearthed," calling the discovery "remarkable". </p> <p>William Lamb, president and CEO of Lucara, said in the release: "We are ecstatic about the recovery of this extraordinary 2492 carat diamond."</p> <p>Prior to the latest announcement, the second largest discovery was thought to be the Lesedi La Rona, a 1109-carat stone also found by Lucara at the Karowe mine in 2015.</p> <p>The diamond was sold to luxury jeweller Graff for $53 million USD two years later.</p> <p>Lucara's spokeswoman said the company had found six of the top 10 diamonds ever discovered.</p> <p><em>Image credits: Lucara Diamond Corp</em></p>

Money & Banking

World famous gay penguin dies

<p>One half of the world famous gay penguin couple at Sydney's SEA LIFE Aquarium has died. </p> <p>In 2018, Gentoo penguin Sphen made international headlines when he coupled up with another male gentoo penguin, Magic.</p> <p>Shortly after meeting, the two male penguins began making a nest together out of pebbles ahead of breeding season, so the aquarium staff gave them a foster egg to care for.</p> <p>Sphen and Magic raised two foster chicks, Sphengic (Lara) in 2018 and Clancy in 2020, and are among the most strongly bonded gentoo penguin pairs at the aquarium.</p> <p>The penguins have inspired books, documentaries, new studies in the NSW syllabus and even featured on a float at the Sydney Mardi Gras parade. </p> <p>Earlier in August, Sphen passed away at the age of 12, which is considered a long life for a gentoo penguin. </p> <p>In order to help process the loss, the aquarium staff took Magic to see his partner's body to help with the understanding that Sphen would not be returning.</p> <p>He immediately started singing, which was reciprocated by the colony.</p> <p>"The loss of Sphen is heartbreaking to the penguin colony, the team and everyone who has been inspired or positively impacted by Sphen and Magic's story," SEA LIFE Sydney Aquarium's general manager, Richard Dilly, said in a statement.</p> <p>"Sphen and Magic's love story captivated the world and it's been an honour to welcome local and international fans, some of which travelled long distances to see them in real life."</p> <p>"The team's focus is now on Magic, who will soon prepare for his first breeding season without Sphen."</p> <p><em>Image credits: SEA LIFE Aquarium Sydney </em></p>

Relationships

Heartbreaking final message as world's oldest woman passes away

<p>Maria Branyas Morera, the world's oldest woman, has died aged 117. </p> <p>The centurion, who has lived through two world wars and a global pandemic, passed away “peacefully and without pain”, according to her family members who announced her tragic passing on X, formerly Twitter. </p> <p>“Maria Branyas has left us.</p> <p>“She died as she wished: in her sleep, peacefully and without pain.</p> <p>“We will always remember her for her advice and her kindness.”</p> <p>In a heartbreaking final message shared to X on Tuesday, Morera shared that she felt "weak" and that the "time is near". </p> <p>“The time is near. Don’t cry, I don’t like tears. And above all, don’t suffer for me," she wrote. </p> <p>“Wherever I go, I will be happy.”</p> <p>Morera became the world's oldest living person after French nun Lucile Randon passed away aged 118 in January last year. </p> <p>Before her death, Morera agreed to undergo scientific testing by researchers who collected samples of her saliva, blood and urine, in hopes to gain insight into the secrets to a long life. </p> <p>They will compare them with those of her 80-year-old daughter and hope that by studying her genes they may develop drugs which could combat diseases associated with ageing. </p> <p>Morera is survived by her two daughters, 11 grandchildren and 11 great-grandchildren. </p> <p><em>Images: news.com.au/ Guinness Book of Records</em></p> <p> </p>

Caring

"Stop the blame game": Kochie slams young Aussie homebuyers

<p>David Koch has called on young Aussies to stop blaming baby boomers for their financial woes in his latest newsletter for finance website Compare The Market. </p> <p>The former <em>Sunrise</em> host and current economic director for the finance company said that young Aussies need to “stop the blame game” in regards to the housing crisis, arguing that baby boomers should be called the "scapegoats" instead. </p> <p>He explained that young homebuyers believe that his generation has “put them on the chopping block” despite the “Bank of Mum and Dad” sitting sixth largest home lenders.</p> <p>“Not enough houses? Boomers are hoarding them. Not enough home units? Boomers throw down cash before first-time buyers can say boo!” he wrote.</p> <p>He said that while he understood that young Aussies are struggling to buy a home, as the median price of one in Australia is currently 14 times the average annual income, in 1990 it was five times the average annual income. </p> <p>“When we bought our homes, prices were more accessible, and while interest rates were sky-high, our wages were aligned with housing costs.”</p> <p>“Housing markets have inflated, wages have stagnated, and opportunities for younger generations are considerably diminished.”</p> <p>He added that government policy is largely to blame for the dire housing situation, and that the rise in property costs was not because they wanted to hang younger Aussies out to dry, but because the economy favoured real estate as a safe, long-term investment. </p> <p>“Governments have simply not planned for either the generational housing change or the big increase in migration to ensure enough properties have been built to meet demand,” he wrote.</p> <p>He then referenced the State of the Housing System report which found that Australia will fall 40,000 units short of its 2029 new home construction target of 1.2m million.</p> <p>Kochie defended the boomers, saying that not many of them could be considered as the "wealthy, elite stereotype we often see in the news”, as many of them had to work hard to become a homeowner. </p> <p>“It's essential to recognise this diversity and avoid vilifying the entire generation,” he wrote.</p> <p>Kochie called on young Australians to "stop the blame game" and instead of "pointing fingers" they should focus on “how we can work together” to make housing affordable again. </p> <p>“A bit of compassion and creative thinking could go a long way. Otherwise, the scapegoats and sacrificial lambs of the world will continue their bleating,” he wrote.</p> <p><em>Images: Realestate.com.au</em></p>

Money & Banking

WHO declares new global health emergency

<p>The World Health Organisation (WHO) has declared the spread of mpox a global public health emergency, after sounding the alarm following the dramatic rise of cases in Africa. </p> <p>Concerned about the increase in infections in the Democratic Republic of Congo, which has subsequently spread to at least 10 neighbouring countries, the WHO quickly convened a meeting of experts to study the outbreak.</p> <p>“Today, the emergency committee met and advised me that in its view, the situation constitutes a public health emergency of international concern. I have accepted that advice,” WHO chief Tedros Adhanom Ghebreyesus told a <a href="https://www.who.int/news/item/14-08-2024-who-director-general-declares-mpox-outbreak-a-public-health-emergency-of-international-concern" target="_self">press conference</a> on Wednesday. </p> <p>A PHEIC is the highest level of alarm under the International Health Regulations, which are legally binding in 196 countries.</p> <p>“The detection and rapid spread of a new clade of mpox in eastern DRC, its detection in neighbouring countries that had not previously reported mpox, and the potential for further spread within Africa and beyond is very worrying,” said Dr Tedros.</p> <p>“It’s clear that a coordinated international response is essential to stop these outbreaks and save lives. This is something that should concern us all.”</p> <p>Since January 2022, 38,465 cases and 1456 deaths have been reported in Africa due to mpox, with cases surging 160 per cent and deaths 19 per cent in recent months compared to 2023. </p> <p>Dr Tedros said the more than 14,000 cases and 524 deaths reported so far this year in DR Congo had already exceeded last year’s total.</p> <p>“The emergence last year and rapid spread of clade 1b in DRC, which appears to be spreading mainly through sexual networks, and its detection in countries neighbouring DRC is especially concerning,” he said, citing Burundi, Kenya, Rwanda and Uganda.</p> <p>Maria Van Kerkhove, the WHO’s epidemic and pandemic preparedness and prevention director, insisted, “We can stop transmission of mpox with a concerted effort.”</p> <p>However, she said experts needed a “much better understanding of the epidemiology” and the transmission patterns of the virus, which would help make sure the limited number of vaccines could be deployed to best effect.</p> <p>Two vaccines for mpox are recommended by WHO immunisation experts.</p> <p>Formerly called monkeypox, the virus was first discovered in humans in 1970 in what is now the DRC.</p> <p>Mpox is an infectious disease caused by a virus transmitted to humans by infected animals but can also be passed from human to human through close physical contact.</p> <p>The disease causes fever, muscular aches and large boil-like skin lesions.</p> <p>A PHEIC has only been declared seven times previously since 2009, over H1N1 swine flu, poliovirus, Ebola, Zika virus, Ebola again, Covid-19 and mpox.</p> <p><em>Image credits: Manuel Romano/NurPhoto/Shutterstock Editorial </em></p>

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<p>Connection. Safety. Friendship. Family. When you <a href="https://www.redcross.org.au/donate-funds/bequest/pass-it-on/will-planning-checklist-social/?utm_medium=digital&utm_source=edm&utm_campaign=bequests&utm_content=over60s" target="_blank" rel="noopener">leave a gift in your Will for Australian Red Cross</a>, there’s no end to the difference you can make.</p> <p>Just ask Elsie. At 95 years old, Elsie has been transformed by weekly visits from Fiona, her Red Cross volunteer. For Fiona, her visits to see 95-year-old nursing home resident Elsie quickly turned into a family affair. </p> <p>"My children, Tom and Meg, have become very attached to her and vice versa. They're like, 'Are you going to see Elsie, can we come too?' They see how lovely it is to be kind to someone like Elsie," says Fiona. "Elsie tells me, 'You're my special family.'"</p> <p>Fiona's dog, Mia, is even a regular visitor at the Tasmanian nursing home. "Mia's like a celebrity. All the residents love her."</p> <p>The family marks all the big milestones with Elsie, like Christmas Day when they brought her home for a special morning tea. "When she turned 95 in December, we took her to a café. She said that was the best birthday she'd had for a long time."</p> <p><img src="https://oversixtydev.blob.core.windows.net/media/2024/08/RedCross_01.jpg" alt="" width="1280" height="720" /></p> <p><em>Elsie celebrating her birthday with Fiona's children, Tom and Meg. </em></p> <p>It is very much a two-way friendship, says Fiona. "I wasn't expecting it to be like that. I thought it was going to be more me doing lots of things for Elsie. But she gives back a lot."</p> <p>Like when Fiona's daughter, Meg, didn't pass her driver's license test. "Meg was quite upset. Elsie goes to her, 'That's why they invented pencils with rubbers at the end. They are there for you to rub out your mistakes, and then you can have another go.' </p> <p>"She's wise. She gives them little bits of advice and words of wisdom, and they listen to what she says … I can't believe she's 95 years old. Her mind is so unbelievably sharp."</p> <p>Fiona says that, lately, Elsie has not been as mobile as she was, and so they often spend their time together at the nursing home. "We find a nice spot and have a cuppa … She likes telling stories about her life. She talks a lot about her husband, her upbringing, people she's met.</p> <p>"Often, I'll bring her some magazines, or she will have asked me to get some stamps. And my kids have been great with her with technology, how to do this and how to do that. </p> <p>"We chat with other residents as well. Even though Elsie's our person, there are other people we've got to know. She introduces us as 'This is my family.'" </p> <p>Fiona says the first time they met, she and Elsie discovered they had much in common. They both grew up in the same country town and had travelled around Australia managing hotels.</p> <p>They care a lot about each other, she says. "I think it's given her more of a will to live. That sounds pretty deep, but I know how much she looks forward to seeing us; it's giving her more purpose in life.</p> <p>"Elsie always says, 'You make me feel so happy. I love seeing you, it's such a highlight.' I say it back to her because it's the same for me, 'I get so much joy out of seeing you.'"</p> <p>Fiona says she hopes her story inspires other people to volunteer, too.</p> <p>Your generosity, captured in your Will, can help fund programs like our Aged Care Volunteer Visitors Scheme and foster social connections like Elsie and Fiona’s. The program supports more than 1000 participants across the country with the majority between the ages of 78 and 89.</p> <p>Everybody deserves the warmth of kindness and friendship, and your Will can help Australian Red Cross share that with people for generations to come.</p> <p><a href="https://www.redcross.org.au/donate-funds/bequest/pass-it-on/will-planning-checklist-social/?utm_medium=digital&utm_source=edm&utm_campaign=bequests&utm_content=over60s" target="_blank" rel="noopener"><img src="https://oversixtydev.blob.core.windows.net/media/2024/08/RedCross_02_wQRCode.jpg" alt="" width="1280" height="638" /></a></p> <p>If you would like a free <a href="https://www.redcross.org.au/donate-funds/bequest/pass-it-on/will-planning-checklist-social/?utm_medium=digital&utm_source=edm&utm_campaign=bequests&utm_content=over60s" target="_blank" rel="noopener">Will Planning Checklist</a>, or more information, our <a href="mailto:litran@redcross.org.au" target="_blank" rel="noopener">Gifts in Wills Specialist</a> would love to help.</p> <p>You <a style="font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Oxygen, Ubuntu, Cantarell, 'Open Sans', 'Helvetica Neue', sans-serif;" href="mailto:litran@redcross.org.au" target="_blank" rel="noopener">get in touch here</a><span style="font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Oxygen, Ubuntu, Cantarell, 'Open Sans', 'Helvetica Neue', sans-serif;"> or call 1800 733 276.</span></p> <p><em>All images: Supplied.</em></p> <p><em>This is a sponsored article produced in partnership with Australian Red Cross.</em></p>

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WHO declares new global health emergency

Your legacy. Their future. Will you be the difference in an uncertain world?

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