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Holiday budgeting tips for over-60s: Expert advice for a stress-free season

<div> The festive season is a time for joy, but it can sometimes also bring a little extra financial stress. With the rising cost of essentials, many Aussies in retirement might be feeling the pinch. And it’s not your imagination – recent <a title="https://protect.checkpoint.com/v2/___https:/nam02.safelinks.protection.outlook.com/?url=https%3A%2F%2Fwww.superannuation.asn.au%2Fmedia-release%2Frising-insurance-premiums-add-strain-to-retirees-finances-says-super-peak-body%2F*23%3A~%3Atext%3DThe%2520latest%2520figures%2520from%2520ASFA%2Cover%2520the%2520last%252012%2520months.&data=05%7C02%7Cdardisa%40we-worldwide.com%7C3306a1dfb9de4e30dd3b08dcfecff5e5%7C3ed60ab455674971a5341a5f0f7cc7f5%7C0%7C0%7C638665416381860501%7CUnknown%7CTWFpbGZsb3d8eyJWIjoiMC4wLjAwMDAiLCJQIjoiV2luMzIiLCJBTiI6Ik1haWwiLCJXVCI6Mn0%3D%7C0%7C%7C%7C&sdata=3ePPI8b1SEXOATgcY6vYWJRi8gBzZHv0jM1dgqkIoUI%3D&reserved=0___.YzJ1OndlY29tbXVuaWNhdGlvbnM6YzpvOmMyMDk4YTI2ZGE5OWUzY2FhZWQ2Nzc5ZTg1YWM0OGJiOjY6YjM1NDo4YTdiNGQ5MTcwZjBhYzgwNzI4ZDVmYTlhNTA0OWVhYThkZTU0NWJhN2FhZDgzZGQ2MGQ1ZjZiYWU5MTc3MGI1OnA6VDpG" href="https://protect.checkpoint.com/v2/___https:/nam02.safelinks.protection.outlook.com/?url=https%3A%2F%2Fwww.superannuation.asn.au%2Fmedia-release%2Frising-insurance-premiums-add-strain-to-retirees-finances-says-super-peak-body%2F*23%3A~%3Atext%3DThe%2520latest%2520figures%2520from%2520ASFA%2Cover%2520the%2520last%252012%2520months.&data=05%7C02%7Cdardisa%40we-worldwide.com%7C3306a1dfb9de4e30dd3b08dcfecff5e5%7C3ed60ab455674971a5341a5f0f7cc7f5%7C0%7C0%7C638665416381860501%7CUnknown%7CTWFpbGZsb3d8eyJWIjoiMC4wLjAwMDAiLCJQIjoiV2luMzIiLCJBTiI6Ik1haWwiLCJXVCI6Mn0%3D%7C0%7C%7C%7C&sdata=3ePPI8b1SEXOATgcY6vYWJRi8gBzZHv0jM1dgqkIoUI%3D&reserved=0___.YzJ1OndlY29tbXVuaWNhdGlvbnM6YzpvOmMyMDk4YTI2ZGE5OWUzY2FhZWQ2Nzc5ZTg1YWM0OGJiOjY6YjM1NDo4YTdiNGQ5MTcwZjBhYzgwNzI4ZDVmYTlhNTA0OWVhYThkZTU0NWJhN2FhZDgzZGQ2MGQ1ZjZiYWU5MTc3MGI1OnA6VDpG" data-auth="Verified" data-outlook-id="1a0a0a08-2e36-4601-a0a3-f9c8bb379afe">data</a> from the Association of Superannuation Funds of Australia (ASFA) reveals that the cost of maintaining a comfortable retirement has increased by 3.7% in the last year. For those in retirement, managing holiday spending can help ensure a stress-free festive season. </div> <div> Toby Perkins, a Certified Financial Planner® at industry superfund NGS Super, shares his helpful tips to ensure retirees manage their budgets during the holidays. </div> 1. Avoid personal debt <div> Credit cards and overdrafts may seem like quick solutions, but they often lead to high-interest debt. "If you need extra funds for the festive season, it might be worth considering options like your superannuation income stream instead," advises Toby. Avoiding extra debt may help you to maintain your financial stability in the long run and help set you up for a stress-free Christmas next year. </div> 2. Plan ahead: Budget for the entire year <div> Although it may be too late to adjust your budget for this holiday season, now is a good time to start planning for next Christmas. "Incorporating holiday spending into an annual budget can prevent financial strain in December," Toby suggests. By tracking your expenses throughout the year, you can identify potential savings and plan for any extra costs, such as gifts and travel. </div> 3. Review government entitlements <div> It’s important for you to ensure you are receiving the correct government entitlements. "If you’re receiving the Age Pension, make sure all your details are up to date," Toby advises. Even if you're not eligible for the Age Pension, you may qualify for the Commonwealth Seniors Health Card or state-based Seniors Cards, which can help reduce costs on health care, transport, and other services. For more information, visit <a title="https://protect.checkpoint.com/v2/___https:/www.servicesaustralia.gov.au/most-useful-information-for-retirement-years___.YzJ1OndlY29tbXVuaWNhdGlvbnM6YzpvOmMyMDk4YTI2ZGE5OWUzY2FhZWQ2Nzc5ZTg1YWM0OGJiOjY6Y2YwMTo3YWJkZWYyYTY5NjAwZTQ5YjczNWQwMGY2ZjZmN2RhNzY5MzJjYWJkMmYyNWM5ZTkzODg4NTJlZDc3MmIwZGI1OnA6VDpG" href="https://protect.checkpoint.com/v2/___https:/www.servicesaustralia.gov.au/most-useful-information-for-retirement-years___.YzJ1OndlY29tbXVuaWNhdGlvbnM6YzpvOmMyMDk4YTI2ZGE5OWUzY2FhZWQ2Nzc5ZTg1YWM0OGJiOjY6Y2YwMTo3YWJkZWYyYTY5NjAwZTQ5YjczNWQwMGY2ZjZmN2RhNzY5MzJjYWJkMmYyNWM5ZTkzODg4NTJlZDc3MmIwZGI1OnA6VDpG" data-auth="Verified" data-outlook-id="0b03c4dc-e32a-4f0f-adaf-6d20058cd703">the Services Australia website.</a> </div> 4. Stay vigilant about financial security <div> There are two reasons to closely track your spending throughout the holiday season: 1. To ensure you stay within budget, and 2. To ensure you don't fall victim to financial scams. The holiday season can be a prime time for financial scams, so be cautious when making purchases online. </div> 5. Prepare for post-holiday financial health <div> After the holidays, plan to set aside some money for future expenses or to replenish your savings. A bit of post-holiday planning will help you avoid financial stress in the months ahead - and even get you set up for next Christmas. </div> 6. Travel smart: Plan off-peak <div> Travel can be one of the biggest holiday expenses, especially if it coincides with peak Christmas and school holiday periods. Toby recommends traveling outside of these busy times to save money. "Off-peak travel can significantly reduce costs and make your holiday dollar stretch further," he says. Consider planning trips in advance to secure better deals. </div> <div> Planning ahead, managing debt, and reviewing entitlements can help you enjoy the festive season without financial stress. As Toby puts it, "Smart budgeting today helps ensure a more comfortable retirement tomorrow." </div> <div> For those seeking personalised advice, NGS Super’s team of financial planners is here to help guide you to a secure and joyful future. Read the <a title="https://protect.checkpoint.com/v2/r01/___https://protect.checkpoint.com/v2/___https:/www.ngssuper.com.au/files/documents/financial-services-guide.pdf___.YzJ1OndlY29tbXVuaWNhdGlvbnM6YzpvOmMyMDk4YTI2ZGE5OWUzY2FhZWQ2Nzc5ZTg1YWM0OGJiOjY6MDk5ZToxNWJlNDQ0ODUwMWZmYzczYmUzZDY5N2NkNWFmY2M4ZTM0M2I5ZDQyNTI5ZGIwNjdjMDUxZDViY2E1YWRmYWFhOnA6VDpGHYPERLINK___.YzJ1OndlY29tbXVuaWNhdGlvbnM6YzpvOmM0OTdjMzdkZjcxOGIxNDQxYjdiMzQxMzA0NTcyMzc4Ojc6ZDgzMDowMTA3N2IxNTZmN2JhZDAzOTM5MDc4ODZjM2Y4NTUzYTkwNWE4ZDAxYmJhMmIxMTc0OWZjNjhmNmM5ODNlNzYyOmg6VDpG" href="https://protect.checkpoint.com/v2/r01/___https://protect.checkpoint.com/v2/___https:/www.ngssuper.com.au/files/documents/financial-services-guide.pdf___.YzJ1OndlY29tbXVuaWNhdGlvbnM6YzpvOmMyMDk4YTI2ZGE5OWUzY2FhZWQ2Nzc5ZTg1YWM0OGJiOjY6MDk5ZToxNWJlNDQ0ODUwMWZmYzczYmUzZDY5N2NkNWFmY2M4ZTM0M2I5ZDQyNTI5ZGIwNjdjMDUxZDViY2E1YWRmYWFhOnA6VDpGHYPERLINK___.YzJ1OndlY29tbXVuaWNhdGlvbnM6YzpvOmM0OTdjMzdkZjcxOGIxNDQxYjdiMzQxMzA0NTcyMzc4Ojc6ZDgzMDowMTA3N2IxNTZmN2JhZDAzOTM5MDc4ODZjM2Y4NTUzYTkwNWE4ZDAxYmJhMmIxMTc0OWZjNjhmNmM5ODNlNzYyOmg6VDpG" data-auth="Verified" data-outlook-id="c4bb4623-ec0a-4e3a-a747-7bf0d2f5659b">NGS Financial Planning Financial Services Guide</a>. </div> <div> For further information, visit NGS Super’s <a title="https://protect.checkpoint.com/v2/___https:/www.ngssuper.com.au/articles/news/whats-foro-what-can-you-do-about-it___.YzJ1OndlY29tbXVuaWNhdGlvbnM6YzpvOmMyMDk4YTI2ZGE5OWUzY2FhZWQ2Nzc5ZTg1YWM0OGJiOjY6YzlhNDphZGM4Y2Q1YTFlZmQyNjExMGQ4ZDJmYWM3Y2IyOWMxM2FiNjE2MDMwMDc3YjA5ODE5OTY0NjQyYmZkNWE2NGM1OnA6VDpG" href="https://protect.checkpoint.com/v2/___https:/www.ngssuper.com.au/articles/news/whats-foro-what-can-you-do-about-it___.YzJ1OndlY29tbXVuaWNhdGlvbnM6YzpvOmMyMDk4YTI2ZGE5OWUzY2FhZWQ2Nzc5ZTg1YWM0OGJiOjY6YzlhNDphZGM4Y2Q1YTFlZmQyNjExMGQ4ZDJmYWM3Y2IyOWMxM2FiNjE2MDMwMDc3YjA5ODE5OTY0NjQyYmZkNWE2NGM1OnA6VDpG" data-auth="Verified" data-outlook-id="7c65864b-3f33-43bc-9037-cc1e7ca1acc0">website</a>. </div> <div> Toby Perkins is authorised to provide financial advice in Australia and is an Authorised Representative (Number 1002908) of Guideway Financial Services Pty Ltd, AFSL Number 420367. Any advice given in this article is general and does not consider your financial situation, needs or objectives so consider whether it is appropriate for you. Be sure to read the relevant PDS and TMD before deciding whether a financial product is right for you. Image credits: Shutterstock </div> <div> </div>

Travel Tips

Margot Robbie welcomes first child

Margot Robbie has reportedly given birth to her first child with her husband, British filmmaker Tom Ackerley. According to People, the 34-year-old Australian actress gave birth to a baby boy on October 17 in Los Angeles. Her family is reportedly in the process of planning to travel out to the US. The actress known for her iconic roles in films like I, Tonya, Wolf of Wall Street and Barbie, has kept a low profile throughout her pregnancy, with friends and family also remaining tight-lipped on news of the baby. Ackerley was spotted carrying a box of nappies on the streets of LA on October 30, sparking speculation they had welcomed their baby. Robbie and Ackerley, met on the set of Suite Française in 2013, where he was an assistant director and she starred as Celine Joseph. They then married in December 2016 during a private ceremony in Byron Bay. Robbie's pregnancy was made public in July, with the couple enjoying a romantic babymoon to Sardinia, Italy a month later. The actress made her last red carpet appearance on September 9, when she attended the screening of the comedy movie she produced with her husband. Robbie has previously revealed how much she enjoys working with her husband. “I’m a great advocate of doing business with your partner,” she told Porter in 2018. “Being married is actually the most fun ever, life got way more fun somehow. I have a responsibility being someone’s wife, I want to be better." Image: CraSH/ Shutterstock Editorial

Family & Pets

Child dies after car crashes through school gate

One child has died and another four kids have been left injured after a car crash through a school gate in the east Melbourne suburb of Auburn. Emergency services were called to Auburn South Primary School in Hawthorn East on Tuesday afternoon after a car veered off the road and into the primary school's gate. The car collided with a table where five children were sitting. Two 11-year-old girls, one 10-year-old girl and a 10-year-old boy were all taken to hospital with serious injuries. An 11-year-old boy was taken to hospital with critical injuries, and later died. The driver of the vehicle was identified as a 40-year-old woman who was local to the area, and was arrested at the scene. A primary school-aged was also in the car at the time of the crash but remained unharmed. Victoria Police Inspector Craig McEvoy said the driver was attempting a U-turn before veering off the road, and it appeared the crash was an accident. "It's tragic circumstances ... really tough for everyone involved," McEvoy said. "It's always a tough time when children are involved." "The ongoing investigation will take days, weeks, months," Inspector McEvoy added. Premier Jacinta Allan also commented on the incident, saying it should have been an "unremarkable sunny day" at the school. "Instead, a dark shadow has been cast over our city and state," she wrote on X. "I'm sending my love and thoughts to the students, their families and the whole school communityAnd my thanks to the first responders on the scene," she said. "I know tonight Victorians will be thinking of Auburn South Primary, and holding our kids even closer." Image credits: ABC News / Nine News

Caring

Anthony Albanese under fire over free Qantas upgrades

A journalist's new book has claimed that Anthony Albanese has been scoring free flight upgrades with Qantas for over 15 years. According to AFR journalist Joe Aston's new book The Chairman’s Lounge, the PM and his family received upgrades from Qantas over his time as Transportation Minister and Opposition Leader between the years of 2007 and 2019. Aston's investigation allegedly found that Albanese had used his relationship with former Qantas CEO Alan Joyce to secure free upgrades to business and first-class flights on at least 22 occasions. “According to Qantas insiders, Albanese would liaise with Joyce directly about his personal travel,” Aston wrote. Albanese has defended these upgrades by stating they were all “declared as appropriate”, saying, “From time to time, members of parliament receive upgrades. What’s important is that they are declared. All of mine have been declared." “I note that a range of them go back a long, a long period of time and that they have all been declared as appropriate.” Despite claiming that the upgrades were all above board, Opposition Leader Peter Dutton called the perks “a bit strange.” “I think it is a bit strange that Mr Albanese is contacting the CEO of an airline when he is the shadow minister or minister for transport,” said Dutton. “I very strongly believe in the need for people to declare their interests, and sometimes there are oversight and human error involved, but when you’re talking about having a personal phone call to ask for an upgrade, as the transport minister or shadow transport minister, then I presume the prime minister will answer questions about that.” Image credits: Shutterstock/LUKAS COCH/EPA-EFE/Shutterstock Editorial

Travel Trouble

Stranger wanted after assaulting child in mother's arms

Police are searching for a woman who callously attacked a toddler who was being carried by her mother through a busy shopping centre in Western Australia. The shocking act unfolded in East Victoria Park shopping centre, in south-eastern Perth, with CCTV capturing the distressing moment. In the security footage, a mother can be seen holding her two-year-old daughter near the entrance of the shopping centre, who are then approached by the woman who lunges at the child before fleeing. Staff working in the surrounding shops say it all happened incredibly quickly, one only hearing a scream from the mother, as nearby shoppers rushed to help. The little girl has been left with facial injuries, as well as the mother and daughter being left shaken and scared by the incident. Police said the child sustained "facial injuries", adding, "A female approached a mother who was holding her child, before assaulting the child and leaving the area.” “The female is not known to the mother and child.” The woman behind the attack has not been found, as police have called on the public for information. The attacker is described as having a medium build and a shaved head, and was wearing a pink singlet and grey shorts. Police are asking anyone who recognises the woman or who witnessed anything in the area at the time to come forward, and anyone with information is urged to contact Crime Stoppers on 1800 333 000. Editor's note: On Wednesday morning, Western Australian police said they want to speak to 21-year-old Pamila-Raye Jetta over the attack, and appealed for public help in finding her. "Jetta is described as female, olive skin, 170cm tall, heavy build, shaved head and was last seen wearing green coloured shorts with white stripes, pink coloured singlet and blue trainers," police said. "Jetta has also recently been observed wearing a fluorescent pink wig." Image credits: Nine News

Caring

Why do I have hay fever? I didn’t have it as a child

<div class="theconversation-article-body"><a href="https://theconversation.com/profiles/janet-davies-103598">Janet Davies</a>, <a href="https://theconversation.com/institutions/queensland-university-of-technology-847">Queensland University of Technology</a> and <a href="https://theconversation.com/profiles/joy-lee-1480523">Joy Lee</a>, <a href="https://theconversation.com/institutions/monash-university-1065">Monash University</a> Hay fever (or allergic rhinitis) is a long-term inflammatory condition that’s incredibly common. It affects about <a href="https://www.abs.gov.au/statistics/health/health-conditions-and-risks/national-health-survey-state-and-territory-findings/latest-release">one-quarter</a> of Australians. Symptoms vary but <a href="https://www.allergy.org.au/patients/fast-facts/hay-fever-allergic-rhinitis">can include</a> sneezing, itchy eyes and a runny or blocked nose. Hay fever can also contribute to sinus and ear infections, snoring, poor sleep and asthma, as well as lower performance at school or work. But many people didn’t have hay fever as a child, and only develop symptoms as a teenager or adult. Here’s how a combination of genetics, hormones and the environment can lead to people developing hay fever later in life. <h2>Remind me, what is hay fever?</h2> Hay fever is caused by the nose, eyes and throat coming into contact with a substance to which a person is allergic, known as an allergen. Common sources of outside allergens include airborne grass, weed or tree pollen, and mould spores. Pollen allergens can be carried indoors on clothes, and through open windows and doors. Depending on where you live, you may be exposed to a range of pollen types across the pollen season, but grass pollen is the most common trigger of hay fever. In <a href="https://www.sciencedirect.com/science/article/abs/pii/S0013935122010891?via%3Dihub">some regions</a> the grass pollen season can extend from spring well into summer and autumn. <h2>How does hay fever start?</h2> Hay fever symptoms most commonly start in adolescence or young adulthood. <a href="http://dx.doi.org/10.2147/JAA.S170285">One study</a> found 7% of children aged six had hay fever, but that grew to 44% of adults aged 24. Before anyone has hay fever symptoms, their immune system has already been “sensitised” to specific allergens, often allergens of grass pollen. Exposure to these allergens means their immune system has made a particular type of antibody (known as IgE) against them. During repeated or prolonged exposure to an allergen source such as pollen, a person’s immune system may start to respond to another part of the same allergen, or another allergen within the pollen. Over time, these new allergic sensitisations can lead to development of <a href="https://www.jacionline.org/article/S0091-6749(12)00959-1/fulltext">hay fever</a> and possibly other conditions, such as allergic asthma. <h2>Why do some people only develop hay fever as an adult?</h2> 1. Environmental factors Some people develop hay fever as an adult simply because they’ve had more time to become sensitised to specific allergens. Migration or moving to a new location can also change someone’s risk of developing hay fever. This may be due to exposure to different <a href="https://www.sciencedirect.com/science/article/abs/pii/S0048969722076884">pollens</a>, <a href="https://www.sciencedirect.com/science/article/pii/S0048969724060194?via%3Dihub">climate and weather</a>, green space <a href="https://onlinelibrary.wiley.com/doi/epdf/10.1111/all.14177">and/or</a> air quality factors. A number of studies <a href="https://journals.plos.org/plosone/article?id=10.1371/journal.pone.0105347">show</a> people who have migrated from low- and middle-income countries to higher-income countries may be at a higher risk of developing hay fever. This may due to local environmental conditions influencing expression of genes that regulate the immune system. 2. Hormonal factors <a href="http://dx.doi.org/10.1016/j.anai.2015.04.019">Hormonal changes</a> at puberty may also help drive the onset of hay fever. This may relate to sex hormones, such as oestrogen and progesterone, <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC9392967/#R55">affecting</a> histamine levels, immune regulation, and the response of cells in the lining of the nose and lower airways. 3. Genetic factors <a href="https://www.nature.com/articles/ng.3985">Our genes</a> underpin <a href="https://www.ncbi.nlm.nih.gov/books/NBK542187/">our risk</a> of hay fever, and whether this and other related allergic disease persists. For instance, babies with the skin condition eczema (known as atopic dermatitis) have a <a href="https://www.annallergy.org/article/S1081-1206(21)00172-1/abstract">three times greater risk</a> of developing hay fever (and asthma) later in life. Having a food allergy in childhood is also a risk factor for developing hay fever later in life. In the case of a peanut allergy, that risk is more than <a href="https://pubmed.ncbi.nlm.nih.gov/27542726/">2.5 times greater</a>. <h2>What are the best options for treatment?</h2> Depending on where you live, avoiding allergen exposures can be difficult. But <a href="https://auspollen.edu.au/auspollensitesmap/">pollen count forecasts</a>, if available, can be useful. These can help you decide whether it’s best to stay inside to reduce your pollen exposure, or to take preventative medications. You may also find <a href="https://www.health.vic.gov.au/environmental-health/epidemic-thunderstorm-asthma-risk-forecast">alerts on thunderstorm asthma</a>, where pollens combine with specific weather conditions to trigger <a href="https://theconversation.com/we-could-see-thunderstorm-asthma-in-south-eastern-australia-this-season-heres-how-to-prepare-215793">breathing difficulties</a>. If you have mild, occasional hay fever symptoms, you can take non-drowsy antihistamines, which you can buy at the pharmacy. However, for more severe or persistent symptoms, intranasal steroid sprays, or an intranasal spray containing a steroid with antihistamine, are the <a href="https://theconversation.com/can-i-take-antihistamines-everyday-more-than-the-recommended-dose-what-if-im-pregnant-heres-what-the-research-says-228390">most effective treatments</a>. However, it is important to use these <a href="https://allergyfacts.org.au/allergic-rhinitis-treatment/">regularly and correctly</a>. Allergen immunotherapy, also known as desensitisation, is an <a href="https://onlinelibrary.wiley.com/doi/10.1111/all.13201">effective treatment</a> for people with severe hay fever symptoms that can reduce the need for medication and avoiding allergens. However, it involves a longer treatment course (about three years), usually with the supervision of an allergy or immunology specialist. <h2>When should people see their doctor?</h2> It is important to treat hay fever, because symptoms can significantly affect a <a href="https://bmjopen.bmj.com/content/10/11/e038870.long">person’s quality of life</a>. A GP can: <ul> <li> recommend treatments for hay fever and can guide you to use them correctly </li> <li> organise blood tests to confirm which allergen sensitisations (if any) are present, and whether these correlate with your symptoms </li> <li> screen for asthma, which commonly exists with hay fever, and may require other treatments </li> <li> arrange referrals to allergy or immunology specialists, if needed, for other tests, such as allergen skin prick testing, or to consider <a href="https://www.allergy.org.au/patients/allergy-treatments/allergen-immunotherapy">allergen immunotherapy</a> if symptoms are severe. </li> </ul> <hr /> More information about hay fever is available from the <a href="https://www.allergy.org.au/patients/fast-facts/hay-fever-allergic-rhinitis">Australasian Society of Clinical Immunology and Allergy</a> and <a href="https://allergyfacts.org.au/">Allergy & Anaphylaxis Australia</a>.<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/239409/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/janet-davies-103598">Janet Davies</a>, Respiratory Allergy Stream Co-chair, National Allergy Centre of Excellence; Professor and Head, Allergy Research Group, <a href="https://theconversation.com/institutions/queensland-university-of-technology-847">Queensland University of Technology</a> and <a href="https://theconversation.com/profiles/joy-lee-1480523">Joy Lee</a>, Respiratory Allergy Stream member, National Allergy Centre of Excellence; Associate Professor, School of Translational Medicine, <a href="https://theconversation.com/institutions/monash-university-1065">Monash University</a> Image credits: Shutterstock This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/why-do-i-have-hay-fever-i-didnt-have-it-as-a-child-239409">original article</a>. </div>

Body

Millions of Aussies eligible for free holidays

Millions of Australians are set to be eligible for free holidays under a new initiative by the Victorian government in an attempt to ease cost-of-living pressures. From December, any Aussies wishing to embark on a camping trip in Victoria will have all their booking fees waived. Camping will be free at all 131 of Parks Victoria’s paid campgrounds from December 1st 2024, until June 30th 2025, saving families an estimated $7.3 million in booking fees, according to the state government. Those who have already booked a camping trip before the promotion's commencement date will still have the offer honoured, with full refunds available online. Premier Jacinta Allan said in the lead up to the festive season, every family deserves a holiday that won't break the bank. "Busy families deserve a great holiday in our great outdoors – and this summer, they can stay for free," she said. "I grew up camping with my family and those special memories have stayed with me forever." Each year, approximately 50 million people visit Victoria’s iconic state forests and national parks every year for activities including camping, hiking, fishing and hunting and four-wheel driving All bookings and refunds under the scheme can be made at <a href="https://www.parks.vic.gov.au" target="_blank" rel="noopener">parks.vic.gov.au</a>. Image credits: Parks Victoria

Domestic Travel

The Princess of Wales wants to stay cancer-free. What does this mean?

<div class="theconversation-article-body"><a href="https://theconversation.com/profiles/amali-cooray-1482458">Amali Cooray</a>, <a href="https://theconversation.com/institutions/wehi-walter-and-eliza-hall-institute-of-medical-research-822">WEHI (Walter and Eliza Hall Institute of Medical Research) </a>; <a href="https://theconversation.com/profiles/john-eddie-la-marca-1503690">John (Eddie) La Marca</a>, <a href="https://theconversation.com/institutions/wehi-walter-and-eliza-hall-institute-of-medical-research-822">WEHI (Walter and Eliza Hall Institute of Medical Research) </a>, and <a href="https://theconversation.com/profiles/sarah-diepstraten-1495268">Sarah Diepstraten</a>, <a href="https://theconversation.com/institutions/wehi-walter-and-eliza-hall-institute-of-medical-research-822">WEHI (Walter and Eliza Hall Institute of Medical Research) </a> Catherine, Princess of Wales, <a href="https://www.theguardian.com/uk-news/article/2024/sep/09/princess-of-wales-cancer-free-after-completing-chemotherapy">has announced</a> she has now completed a course of preventive chemotherapy. The news comes nine months after the princess first <a href="https://www.bbc.com/news/uk-68641441">revealed</a> she was being treated for an unspecified form of cancer. In the new <a href="https://www.youtube.com/watch?v=QSrDEq8QFkc">video message</a> released by Kensington Palace, Princess Catherine says she’s focused on doing what she can to stay “cancer-free”. She acknowledges her cancer journey is not over and the “path to recovery and healing is long”. While we don’t know the details of the princess’s cancer or treatment, it raises some questions about how we declare someone fully clear of the disease. So what does being – and staying – “cancer-free” mean? <h2>What’s the difference between being cancer-free and in remission?</h2> Medically, “cancer-free” <a href="https://www.mdanderson.org/cancerwise/remission--cancer-free--no-evidence-of-disease--what-is-the-difference-when-talking-about-cancer-treatment-effectiveness-and-results.h00-159460845.html">means</a> two things. First, it means no cancer cells are able to be detected in a patient’s body using the available testing methods. Second, there is no cancer left in the patient. These might sound basically the same. But this second aspect of “cancer-free” can be complicated, as it’s essentially impossible to be sure no cancer cells have survived a treatment. It only takes a few surviving cells for the cancer to <a href="https://theconversation.com/how-does-cancer-spread-to-other-parts-of-the-body-219616">grow back</a>. But these cells may not be detectable via testing, and can lie dormant for some time. The possibility of some cells still surviving means it is more accurate to say a patient is “in remission”, rather than “cancer-free”. Remission means there is no detectable cancer left. Once a patient has been in remission for a certain period of time, they are often considered to be fully “cancer-free”. Princess Catherine was not necessarily speaking in the strict medical sense. Nonetheless, she is clearly signalling a promising step in her recovery. <h2>What happens during remission?</h2> During remission, patients will usually undergo surveillance testing to make sure their cancer hasn’t returned. Detection tests can vary greatly depending on both the patient and their cancer type. Many <a href="https://www.cancer.gov/about-cancer/screening/screening-tests">tests</a> involve simply looking at different organs to see if there are cancer cells present, but at varying levels of complexity. Some cancers can be detected with the naked eye, such as skin cancers. In other cases, technology is needed: colonoscopies for colorectal cancers, X-ray mammograms for breast cancers, or CT scans for lung cancers. There are also molecular tests, which test for the presence of cancer cells using protein or DNA from blood or tissue samples. For most patients, testing will continue for years at regular intervals. Surveillance testing ensures any returning cancer is caught early, giving patients the best chance of successful treatment. Remaining in remission for five years can be a huge milestone in a patient’s cancer journey. For most types of cancer, the <a href="https://pubmed.ncbi.nlm.nih.gov/31231898/">chances of cancer returning</a> drop significantly after five years of remission. After this point, surveillance testing may be performed less frequently, as the patients might be deemed to be at a lower risk of their cancer returning. <h2>Measuring survival rates</h2> Because it is very difficult to tell when a cancer is “cured”, clinicians may instead refer to a “five-year survival rate”. This measures how likely a cancer patient is to be alive five years after their diagnosis. For example, data shows the <a href="https://ncci.canceraustralia.gov.au/outcomes/relative-survival-rate/5-year-relative-survival-diagnosis">five-year survival rate</a> for <a href="https://cancer.org.au/cancer-information/types-of-cancer/bowel-cancer">bowel cancer</a> among Australian women (of all ages) is around 70%. That means if you had 100 patients with bowel cancer, after five years you would expect 70 to still be alive and 30 to have succumbed to the disease. These statistics can’t tell us much about individual cases. But comparing five-year survival rates between large groups of patients after different cancer treatments can help clinicians make the often complex decisions about how best to treat their patients. The likelihood of cancer coming back, or recurring, is influenced by many factors which can vary over time. For instance, approximately 30% of people with lung cancer <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC7061059/">develop a recurrent disease</a>, even after treatment. On the other hand, <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC4933127/">breast cancer recurrence</a> within two years of the initial diagnosis is approximately 15%. Within five years it drops to 10%. After ten, it falls below 2%. These are generalisations though – recurrence rates can vary greatly depending on things such as what kind of cancer the patient has, how advanced it is, and whether it has spread. <h2>Staying cancer-free</h2> Princess Catherine <a href="https://www.theguardian.com/uk-news/article/2024/sep/09/princess-of-wales-cancer-free-after-completing-chemotherapy">says</a> her focus now is to “stay cancer-free”. What might this involve? How a cancer develops and whether it recurs can be <a href="https://nature.com/articles/s41467-018-05467-z">influenced</a> by things we can’t control, such as age, ethnicity, gender, genetics and hormones. However, there are sometimes <a href="https://www.cancer.gov/about-cancer/causes-prevention/risk/substances">environmental factors</a> we can control. That includes things like exposure to UV radiation from the sun, or inhaling carcinogens like tobacco. Lifestyle factors also play a role. Poor diet and nutrition, a lack of exercise and excessive alcohol consumption can all <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC10925935">contribute to cancer development</a>. Research estimates more than half of all cancers could <a href="https://www.canceraustralia.gov.au/resources/position-statements/lifestyle-risk-factors-and-primary-prevention-cancer/recommendations">potentially be prevented</a> through <a href="https://www.health.gov.au/topics/cancer/screening-for-cancer">regular screening</a> and maintaining a healthy lifestyle (not to mention preventing other chronic conditions such as heart disease and diabetes). Recommendations to reduce cancer risk are the same for everyone, not just those who’ve had treatment like Princess Catherine. They include not smoking, eating a nutritious and balanced diet, exercising regularly, cutting down on alcohol and staying sun smart.<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/238681/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/amali-cooray-1482458">Amali Cooray</a>, PhD Candidate in Genetic Engineering and Cancer, <a href="https://theconversation.com/institutions/wehi-walter-and-eliza-hall-institute-of-medical-research-822">WEHI (Walter and Eliza Hall Institute of Medical Research) </a>; <a href="https://theconversation.com/profiles/john-eddie-la-marca-1503690">John (Eddie) La Marca</a>, Senior Research Officer, Blood Cells and Blood Cancer, <a href="https://theconversation.com/institutions/wehi-walter-and-eliza-hall-institute-of-medical-research-822">WEHI (Walter and Eliza Hall Institute of Medical Research) </a>, and <a href="https://theconversation.com/profiles/sarah-diepstraten-1495268">Sarah Diepstraten</a>, Senior Research Officer, Blood Cells and Blood Cancer Division, <a href="https://theconversation.com/institutions/wehi-walter-and-eliza-hall-institute-of-medical-research-822">WEHI (Walter and Eliza Hall Institute of Medical Research)</a> Image credits: Shutterstock This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/the-princess-of-wales-wants-to-stay-cancer-free-what-does-this-mean-238681">original article</a>. </div>

Caring

Can a 10-year-old be responsible for a crime? Here’s what brain science tells us

<div class="theconversation-article-body"><a href="https://theconversation.com/profiles/susan-m-sawyer-109573">Susan M. Sawyer</a>, <a href="https://theconversation.com/institutions/the-university-of-melbourne-722">The University of Melbourne</a> and <a href="https://theconversation.com/profiles/nandi-vijayakumar-1644262">Nandi Vijayakumar</a>, <a href="https://theconversation.com/institutions/deakin-university-757">Deakin University</a> The age a child can be arrested, charged and jailed in Australia is back in the spotlight. Last year, the Northern Territory became the first jurisdiction to raise the age of criminal responsibility from ten to 12. Now its new, tough-on-crime government has pledged to <a href="https://www.sbs.com.au/nitv/article/incoming-chief-minister-says-age-of-criminal-responsibility-to-be-lowered-to-10-years-old/a1xm9jy9c">return it to ten</a>. It comes after Victoria <a href="https://www.abc.net.au/news/2024-08-13/victoria-youth-justice-reform-criminal-age/104217160">walked back</a> its earlier commitment to raise the age to 14, settling instead on 12. But the United Nations Committee on the Rights of the Child says 14 should be the absolute <a href="https://www.ohchr.org/en/documents/general-comments-and-recommendations/general-comment-no-24-2019-childrens-rights-child">minimum</a>. It raised this age from its earlier recommendation (in 2007) of 12, citing a decade of new research into child and adolescent development. So what does the science say? What happens to the brain between ten and 14? And how much can those under 14 understand the consequences of their actions? <h2>Who is an adolescent?</h2> Our research shows adolescence is a <a href="https://pubmed.ncbi.nlm.nih.gov/30169257/">critical period</a> for development. It’s the time children’s experiences and explorations shape how they develop cognitive skills (including critical thinking and decision making), as well as social and emotional skills (including moral reasoning). Adolescence also lasts longer than we tend to think. Important brain development begins during late childhood, around eight to nine years. Intense changes then follow during early adolescence (ages ten to 14). But these changes continue well into the twenties, and full cognitive and emotional maturity is not usually reached until around age 24. However, everyone’s brain matures at a different rate. That means there is no definitive age we can say humans reach “adult” levels of cognitive maturity. What we do know is the period of early adolescence is critical. <h2>What does puberty do to the brain?</h2> Puberty is a defining feature of early adolescence. Most of us are familiar with the changes that occur to the body and reproductive systems. But the increase in puberty hormones, such as testosterone and oestrogen, also trigger changes to the brain. These hormones <a href="https://www.sciencedirect.com/science/article/abs/pii/S0306453017313252?via%3Dihub">increase most sharply</a> between ten and 15 years of age, although gradual changes continue into the early twenties. Puberty hormones change the structures in the brain which process emotions, including the amygdala (which encodes fear and stress) and ventral striatum (involved in reward and motivation). This makes adolescents particularly reactive to emotional rewards and threats. <a href="https://doi.org/10.1016/j.cortex.2019.04.024">Our research</a> has shown the brain’s sensitivity to emotions increases throughout early adolescence until around 14 or 15 years old. At the same time, changes in puberty have <a href="http://dx.doi.org/10.1037/pspp0000172">been linked</a> to increased sensation seeking and impulsive behaviours during early adolescence. This context is crucial when we discuss the behaviour of children in the ten to 14 age range. The way their brains change during this period makes them more sensitive and responsive to emotions, and more likely to be seeking experiences that are new and intense. <h2>How do adolescents make decisions?</h2> The emotional context of puberty influences how younger adolescents make decisions and understand their consequences. Decision making relies on several basic cognitive functions, including the brain’s flexibility, memory and ability to control impulses. These cognitive abilities – which together help us consider the consequences of our actions – undergo some of the <a href="https://doi.org/10.1523/JNEUROSCI.1741-13.2013">steepest development</a> between ages ten and 14. By age 15, the ability to make complex decisions has usually <a href="https://doi.org/10.1037/lhb0000315">reached adult maturity</a>. But adolescents at this age remain highly susceptible to emotions. So while their brain may be equipped to make a complex decision, their ability to think through the consequences, weighing up costs and benefits, can be clouded by emotional situations. For example, <a href="https://doi.org/10.1111/cdev.12085">research has shown</a> 13-14 year-olds were more distracted from completing a task and less able to control their behaviour when they viewed images that made them feel negative emotions. The social world of teenagers also has a significant impact on how they make decisions – especially in early adolescence. One study found that while older adolescents (aged 15-18) are more influenced by what adults think when weighing up risk, adolescents aged 12-14 <a href="https://journals.sagepub.com/doi/full/10.1177/0956797615569578">look to other teenagers</a>. Experiments <a href="https://doi.org/10.1177/0272431616648453">have also shown</a> adolescents aged 12-15 make riskier decisions when they are with peers than by themselves. Their brain responses also suggest they experience a greater sense of reward in taking those risks <a href="https://doi.org/10.1093/scan/nsy071">with peers</a>. <h2>How do teens understand the consequences of their actions?</h2> The concept of <a href="https://www.aph.gov.au/About_Parliament/Parliamentary_Departments/Parliamentary_Library/pubs/rp/rp2122/Quick_Guides/MinimumAgeCriminalResponsibility">criminal responsibility</a> is based on whether a person is able to understand their action and know whether it is wrong. Moral reasoning – how people think about right and wrong – depends on the ability to understand another person’s mental state and adopt their perspective. These skills are in development <a href="https://doi.org/10.1016/j.biopsych.2020.09.012">across adolescence</a>. Research suggests it may take more effort for adolescent brains to process <a href="https://doi.org/10.1162/jocn.2009.21121">“social” emotions</a> such as guilt and embarrassment, compared to adults. This is similar when they make <a href="https://doi.org/10.1080/17470919.2014.933714">moral judgements</a>. This evidence suggests teenage brains may have to work harder when considering other people’s intentions and desires. Young adolescents have the cognitive ability to appreciate they made a bad decision, but it is more mentally demanding. And social rewards, emotions and the chance to experience something new all have a strong bearing on their decisions and actions in the moment — possibly more than whether it is right or wrong. <h2>Early adolescence is critical for the brain</h2> There are also a number of reasons adolescent brains may develop differently. This includes various forms of neurodisability such as acquired brain injury, fetal alcohol spectrum disorder, attention-deficit hyperactivity disorder (ADHD) and intellectual disability, as well as exposure to trauma. Teenagers with neurodevelopmental disorders will likely cope differently with decision making, social pressure, impulse control and risk assessment, and face <a href="https://www.mcri.edu.au/images/research/strategic-collaborations/Flagships/Neurodevelopment/Neurodevelopment_Flagship_Brochure.pdf">extra difficulties</a>. Across the world, they are <a href="https://www.thelancet.com/journals/lanpub/article/PIIS2468-2667(19)30217-8/fulltext">disproportionately incarcerated</a>. In Australia, Indigenous children and adolescents are incarcerated <a href="https://www.indigenoushpf.gov.au/measures/2-11-contact-with-the-criminal-justice-system#:%7E:text=On%20an%20average%20day%20in%202021%E2%80%9322%2C%20there%20were%3A,AIHW%202023d%3A%20Table%20S76a">in greater numbers</a> than their non-Indigenous peers. Each child matures differently, and some face extra challenges. But for every person, the period between ten and 14 is critical for developing the cognitive, social and emotional skills they’ll carry through the rest of their life.<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/237552/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/susan-m-sawyer-109573">Susan M. Sawyer</a>, Professor of Adolescent Health The University of Melbourne; Director, Royal Children's Hospital Centre for Adolescent Health, <a href="https://theconversation.com/institutions/the-university-of-melbourne-722">The University of Melbourne</a> and <a href="https://theconversation.com/profiles/nandi-vijayakumar-1644262">Nandi Vijayakumar</a>, Research Fellow, School of Psychology, <a href="https://theconversation.com/institutions/deakin-university-757">Deakin University</a> Image credits: Shutterstock This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/can-a-10-year-old-be-responsible-for-a-crime-heres-what-brain-science-tells-us-237552">original article</a>. </div>

Mind

Why is it so hard to cancel subscriptions or end ‘free’ trials? Report shows how companies trap you into paying

<div class="theconversation-article-body"><a href="https://theconversation.com/profiles/katharine-kemp-402096">Katharine Kemp</a>, <a href="https://theconversation.com/institutions/unsw-sydney-1414">UNSW Sydney</a> Many businesses are trapping Australian consumers in paid subscriptions by making them hard to cancel, hiding important details and offering “free” trials that auto-renew with hefty charges. We need law reform to tackle this continuing problem. <a href="https://cprc.org.au/report/let-me-out">A new report</a> shows 75% of Australian consumers have had negative experiences when trying to cancel a subscription, according to the Consumer Policy Research Centre (CPRC). It shows businesses use “<a href="https://www.wired.com/story/how-to-spot-avoid-dark-patterns/">dark patterns</a>”, which are designs that hinder consumers who try to act in their own best interests. Subscription traps are often called “<a href="https://www.ftc.gov/business-guidance/blog/2022/11/checking-out-ftcs-100-million-settlement-vonage">Hotel California</a>” techniques, referring to The Eagles’ famous lyric: “you can check out any time you want, but you can never leave”. In some of these cases, consumers may have remedies under our existing consumer law, including for misleading conduct. But we need law reform to capture other <a href="https://treasury.gov.au/consultation/c2023-430458">unfair practices</a>. In the meantime, the CPRC’s research also gives examples of businesses with fair, consumer-friendly subscription practices. These also benefit the business. <h2>Examples of unfair subscription traps</h2> <a href="https://www.forbes.com/councils/forbesbusinessdevelopmentcouncil/2022/09/12/the-evolution-of-the-subscription-model-and-whats-on-the-horizon/">Subscription business models</a> have become common – many products are now provided in the form of software, an app or access to a website. Some of these would once have been a physical book, newspaper, CD or exercise class. Most people who use online services have experienced the frustration of finding a credit card charge for an unwanted, unused subscription or spending excessive time trying to cancel a subscription. <figure class="align-center zoomable"><a href="https://images.theconversation.com/files/615486/original/file-20240826-16-fp57es.png?ixlib=rb-4.1.0&q=45&auto=format&w=1000&fit=clip"><img src="https://images.theconversation.com/files/615486/original/file-20240826-16-fp57es.png?ixlib=rb-4.1.0&q=45&auto=format&w=754&fit=clip" sizes="(min-width: 1466px) 754px, (max-width: 599px) 100vw, (min-width: 600px) 600px, 237px" srcset="https://images.theconversation.com/files/615486/original/file-20240826-16-fp57es.png?ixlib=rb-4.1.0&q=45&auto=format&w=600&h=643&fit=crop&dpr=1 600w, https://images.theconversation.com/files/615486/original/file-20240826-16-fp57es.png?ixlib=rb-4.1.0&q=30&auto=format&w=600&h=643&fit=crop&dpr=2 1200w, https://images.theconversation.com/files/615486/original/file-20240826-16-fp57es.png?ixlib=rb-4.1.0&q=15&auto=format&w=600&h=643&fit=crop&dpr=3 1800w, https://images.theconversation.com/files/615486/original/file-20240826-16-fp57es.png?ixlib=rb-4.1.0&q=45&auto=format&w=754&h=808&fit=crop&dpr=1 754w, https://images.theconversation.com/files/615486/original/file-20240826-16-fp57es.png?ixlib=rb-4.1.0&q=30&auto=format&w=754&h=808&fit=crop&dpr=2 1508w, https://images.theconversation.com/files/615486/original/file-20240826-16-fp57es.png?ixlib=rb-4.1.0&q=15&auto=format&w=754&h=808&fit=crop&dpr=3 2262w" alt="Infographic with a few statistics from the report." /></a><figcaption><a class="source" href="https://cprc.org.au/wp-content/uploads/2024/08/CPRC_LetMeOut_SubsTraps_Report_FINAL.pdf">CPRC, Let me out – Subscription trap practices in Australia, August 2024</a></figcaption></figure> Businesses can make it difficult for consumers to stop paying for unwanted subscriptions. Some do this by allowing consumers to start a subscription with a single click, but creating multiple obstacles if you want to end the subscription. This can include obscuring cancellation options in the app, requiring consumers to phone during business hours or making them navigate through multiple steps and offers before terminating. The report points out many of the last-ditch discounts offered in this process are only short term. One survey respondent said: <blockquote> I wasn’t able to cancel without having to call up and speak to someone. Their business hours meant I had to call up during my work day and it took some time to action. </blockquote> Other businesses badger consumers with frequent emails or messages after they cancel. One respondent said a business made “the cancellation process impossible by making you call and then judging your reason for cancellation”. <h2>What does consumer law say?</h2> Some subscription traps already fall foul of the Australian Consumer Law and warrant investigation by the <a href="https://www.accc.gov.au/media-release/accc-warns-consumers-to-beware-of-subscription-traps">Australian Competition & Consumer Commission</a> (ACCC). Consumers may have remedies where the business has engaged in misleading conduct or imposes an unfair contract term. For example, the ACCC is <a href="https://www.accc.gov.au/media-release/accc-court-action-against-eharmony-for-alleged-misleading-online-dating-membership-statements#:%7E:text=The%20ACCC%20has%20today%20commenced%20proceedings%20in%20the,the%20pricing%2C%20renewal%20and%20duration%20of%20its%20memberships.">suing dating site eHarmony</a> for its allegedly misleading subscription practices. In the United States, the Federal Trade Commission <a href="https://www.ftc.gov/news-events/news/press-releases/2024/06/ftc-takes-action-against-adobe-executives-hiding-fees-preventing-consumers-easily-cancelling">has filed a complaint against software company Adobe</a> for allegedly using dark patterns in its subscription practices. The Federal Trade Commission has alleged that “Adobe pushed consumers toward the ‘annual paid monthly’ subscription without adequately disclosing that cancelling the plan in the first year could cost hundreds of dollars”. Adobe <a href="https://news.adobe.com/news/news-details/2024/Adobes-Recent-Statement-Regarding-Updated-Federal-Trade-Commission-Complaint-/default.aspx">issued a statement</a> arguing the commission’s complaint “mischaracterises” its business. The litigation is ongoing. <h2>We need an unfair practices prohibition</h2> Some subscription traps would fall outside the existing consumer law. This is because they don’t meet the test for misleading conduct or unfair contract terms, but make it practically very difficult to cancel. The <a href="https://www.accc.gov.au/media-release/accc-welcomes-consultation-on-possible-unfair-trading-practices-regulatory-reforms">ACCC has advocated</a> for Australia to follow other countries such as the United Kingdom and the United States to enact an unfair practices prohibition to capture conduct like this. <figure class="align-center zoomable"><a href="https://images.theconversation.com/files/615487/original/file-20240826-16-2j23h7.png?ixlib=rb-4.1.0&q=45&auto=format&w=1000&fit=clip"><img src="https://images.theconversation.com/files/615487/original/file-20240826-16-2j23h7.png?ixlib=rb-4.1.0&q=45&auto=format&w=754&fit=clip" sizes="(min-width: 1466px) 754px, (max-width: 599px) 100vw, (min-width: 600px) 600px, 237px" srcset="https://images.theconversation.com/files/615487/original/file-20240826-16-2j23h7.png?ixlib=rb-4.1.0&q=45&auto=format&w=600&h=769&fit=crop&dpr=1 600w, https://images.theconversation.com/files/615487/original/file-20240826-16-2j23h7.png?ixlib=rb-4.1.0&q=30&auto=format&w=600&h=769&fit=crop&dpr=2 1200w, https://images.theconversation.com/files/615487/original/file-20240826-16-2j23h7.png?ixlib=rb-4.1.0&q=15&auto=format&w=600&h=769&fit=crop&dpr=3 1800w, https://images.theconversation.com/files/615487/original/file-20240826-16-2j23h7.png?ixlib=rb-4.1.0&q=45&auto=format&w=754&h=966&fit=crop&dpr=1 754w, https://images.theconversation.com/files/615487/original/file-20240826-16-2j23h7.png?ixlib=rb-4.1.0&q=30&auto=format&w=754&h=966&fit=crop&dpr=2 1508w, https://images.theconversation.com/files/615487/original/file-20240826-16-2j23h7.png?ixlib=rb-4.1.0&q=15&auto=format&w=754&h=966&fit=crop&dpr=3 2262w" alt="" /></a><figcaption>The shift businesses can make today. <a class="source" href="https://cprc.org.au/wp-content/uploads/2024/08/CPRC_LetMeOut_SubsTraps_Report_FINAL.pdf">CPRC, Let me out – Subscription trap practices in Australia, August 2024</a></figcaption></figure> <h2>Better practices benefit businesses too</h2> The CPRC report also revealed that 90% of Australians would likely purchase from the same organisation if cancelling a subscription process was quick and simple. Businesses focused on a short-sighted cash grab fail to realise that consumers might cancel but later return if treated well. The CPRC highlights businesses that are doing a good job. For instance, the habit change app Atoms (based on James Clear’s book Atomic Habits) has a genuinely free trial. It doesn’t require credit card details, doesn’t auto-renew, and lets consumers know how many trial days remain. The CPRC says the charity World Vision doesn’t auto-renew annual sponsorships, but reminds supporters about when the sponsorship will lapse. Importantly, some businesses – such as Netflix – use their data for good in this context. They notice when users are paying for the service without using it and help them unsubscribe. These practices should be applauded. But we need an unfair practices prohibition for businesses who don’t follow suit and recognise the long-term benefits of treating customers fairly.<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/237236/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/katharine-kemp-402096">Katharine Kemp</a>, Associate Professor, Faculty of Law & Justice; Lead, UNSW Public Interest Law & Tech Initiative, <a href="https://theconversation.com/institutions/unsw-sydney-1414">UNSW Sydney</a> Image credits: Shutterstock This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/why-is-it-so-hard-to-cancel-subscriptions-or-end-free-trials-report-shows-how-companies-trap-you-into-paying-237236">original article</a>. </div>

Money & Banking

Does free-to-air TV really need gambling ads to survive?

<div class="theconversation-article-body"><a href="https://theconversation.com/profiles/andrew-hughes-2728">Andrew Hughes</a>, <a href="https://theconversation.com/institutions/australian-national-university-877">Australian National University</a> If anything is a sure bet right now, it’s corporate Australia’s willingness to use some variation of the “for society’s good” argument. The most recent example of this is the claim being made, including by federal minister <a href="https://www.theguardian.com/australia-news/article/2024/aug/13/gambling-ad-ban-labor-bill-shorten-tv-media-advertising-revenue">Bill Shorten</a>, that an outright ban on gambling advertising would be disastrous for free-to-air TV. To be clear, Labor still supports new restrictions on gambling advertisements, including hourly caps and bans during kids’ TV and during and around sports broadcasts. But it has rejected the idea of a total ban, prompting a <a href="https://www.smh.com.au/politics/federal/labor-mps-say-total-ban-is-the-only-way-on-gambling-ads-20240812-p5k1q0.html">backlash</a> extending as far as some of its own backbench MPs. Speaking on ABC’s Q&A on Monday night, Shorten said Australia’s free-to-air TV broadcasters were in “diabolical trouble”, with many needing gambling ad revenue “in order just to stay afloat”. “I’m not convinced that complete prohibition works,” he said. So would our commercial TV networks really fall over tomorrow without gambling ad revenue? Or is something else at play? <h2>Who is buying ads in Australia?</h2> Let’s start by building a bigger picture of where advertising spend more broadly comes from in Australia. Global analytics firm Nielsen regularly compiles <a href="https://www.nielsen.com/news-center/2024/top-20-categories-by-ad-spend-for-2023-revealed-in-latest-nielsen-ad-intel-report/#:%7E:text=Retail%20topped%20the%20list%20with,significant%20investment%20of%20%24596m.">top 20</a> lists of both the categories and individual companies spending the most on ads here. In 2023 the top category, retail, accounted for A$2.56 billion in advertising spend. Gambling and gaming, in contrast, represented just $239 million, less than a tenth of this figure. Harvey Norman topped the list of <a href="https://www.nielsen.com/news-center/2024/australias-top-20-highest-spending-advertisers-of-2023-revealed-in-latest-nielsen-ad-intel-report/">individual companies</a> in 2023. The first we see of any gambling brand is Sportsbet, which came in at 16th. For gambling companies, it’s fair to assume the lion’s share of this goes to TV. <a href="https://www.acma.gov.au/publications/2023-10/report/gambling-advertising-australia-placement-and-spending">Research</a> by the Australian Communications and Media Authority (ACMA) found 68% of gambling companies’ ad spend went to free-to-air TV markets. As for the remainder, 9% went to radio, 15% to social media and 8% to other online platforms. <h2>How much is actually getting spent?</h2> But how do we estimate the gambling industry’s total annual advertising spend? There are certainly a lot of numbers getting thrown around. One <a href="https://www.afr.com/companies/media-and-marketing/tv-networks-to-demand-fee-relief-as-40m-wagering-hole-opens-up-20240804-p5jzav">source</a> put it at $300.5 million for 2022. More recently, ACMA published detailed figures for the period between May 2022 and April 2023 which put it at just over <a href="https://www.acma.gov.au/publications/2023-10/report/gambling-advertising-australia-placement-and-spending">$238 million</a>, with $162 million of this going to free-to-air TV networks. But the way advertising is classified – what defines an advertisement – can sometimes differ between agencies. Then there is the <a href="https://www.acma.gov.au/check-if-gambling-operator-legal#register-licensed-gambling">number of brands operating</a>, which is constantly changing. In a market with so many competitors, any new entrant needs to spend big on advertising just to capture enough market share to be viable. This is why I argue that the actual figure for financial year 2023 may be slightly higher than ACMA’s widely quoted figure, accounting for the big ad spend of new entrants that may have fallen outside the time window assessed. Based on average company ad spend as a percentage of revenue and the size of the gambling industry, I estimate it could be higher, in the ballpark of $275 million. <h2>How much is that to the networks?</h2> This exercise is all about putting these figures in context. Channel Seven, for example, brought in <a href="https://www.sevenwestmedia.com.au/assets/Uploads/Final-2023-Annual-Report.pdf">$1.5 billion in revenue in 2023</a>. Even if it had received the gambling industry’s entire ad spend at my higher estimate of $275 million, this would still only account for less than 20% of its annual turnover. If that money all went to TV ads, Channel Seven’s stated 38.5% share of television advertising revenue would put its revenue from the estimated sports betting advertising at about $106 million in this example, around 7% of its total annual revenue. Losing most of that would hurt, but wouldn’t mortally threaten the business. A total ban would most likely be <a href="https://www.abc.net.au/news/2024-08-13/peta-murphy-left-online-gambling-legacy-why-isn-t-labor-adopting/104217328">phased in</a> over a number of years, not enacted overnight. Australia’s free-to-air networks would adapt, restrategise, and find and develop new markets to replace that revenue. Their management teams are far too smart to just shrug their shoulders and take a revenue hit on the corporate chin. <h2>Networks have had plenty of time to adapt</h2> Just a refresher. LinkedIn is now more than 20 years old. Facebook is 20. YouTube is 19. X (formerly known as Twitter) is 18. TikTok is seven. If free-to-air TV’s business model is so glacial it can’t function in the digital age, it probably doesn’t deserve to be operating in the big leagues. Digital is here and has been for a while now. The media industry has borne the brunt of this change, but has also had the most time to adapt to the disruptors, who are now more established oligopolies and duopolies than “cool start-ups” out of Silicon Valley. The argument that we need to protect sports gambling ads to protect the big media brands – has little to no basis. It’s a worn out argument we’ve seen time and time again – <a href="https://theconversation.com/how-the-push-to-end-tobacco-advertising-in-the-1970s-could-be-used-to-curb-gambling-ads-today-200915">big tobacco</a>, I’m looking at you. Protecting the interests of corporate Australia at the cost of society itself is a gamble none of us should be prepared to take.<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/236686/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/andrew-hughes-2728">Andrew Hughes</a>, Lecturer, Research School of Management, <a href="https://theconversation.com/institutions/australian-national-university-877">Australian National University</a> Image credits: Shutterstock This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/does-free-to-air-tv-really-need-gambling-ads-to-survive-236686">original article</a>. </div>

Money & Banking

Why Greg Lynn could walk free from prison

Greg Lynn has applied to be freed from jail until his sentencing hearing over the murder of Carol Clay. The former Jetstar pilot, who was found guilty of murdering the 73-year-old while she was camping with her secret partner Russell Hill in March 2020, is appealing the guilty verdict which the jury came to after a weeks-long trial in June. The 57-year old appeared in the Supreme Court of Victoria on Friday where Justice Michael Croucher heard the convicted killer had been the victim of prison attacks during his six-week trial. The court heard Lynn's barrister Dermot Dann KC is in the process of compiling submissions calling on Justice Croucher to hold of on sentencing his client until an appeal over his conviction can be heard by the Court of Appeal. If granted, the "stay" of sentence could allow Lynn to apply for bail while his appeal goes through the court. The court also heard that Lynn had been placed in isolation within the Metropolitan Remand Prison for his own safety since the guilty verdict was read, but now fears he will be targeted by inmates at whatever prison he ultimately ends up in. Mr Dann said a successful appeal could result in Lynn being set free altogether without the possibility of a re-trial, due to doubts over whether he could obtain a fair trial because of the significant publicity surrounding the case and the murder conviction. "The chances of a fair re-trial are non-existent," Mr Dann said. The experienced barrister said any potential jurors would have been "polluted or poisoned" by the "inadmissible evidence" that has "flooded" news sites since the guilty verdict was delivered. The court heard Mr Dann believed his client had multiple reasons to push for an appeal over his verdict, including the "unfair" way in which he claimed the Office of Public Prosecutions carried out the trial. Mr Dann reiterated to the court that his client has always maintained his innocence, saying, "He maintains that he's never killed any person at any time, at any place, anywhere, ever." <div data-component="EmphasisedText"> "The long-term future of that guilty verdict must be seen as being in grave doubt." The case was adjourned until a pre-sentence hearing on September 12th. Image credits: Facebook </div>

Legal

Optus giving away 20,000 free phones to vulnerable customers

Optus will be giving away 20,000 mobile phones to vulnerable customers ahead of the 3G network shut down. Following the footsteps of Telstra, who gave out <a href="https://www.oversixty.com.au/finance/money-banking/telstra-giving-free-phones-to-elderly-and-remote" target="_blank" rel="noopener">12,000 mobile phones</a> to their most vulnerable remote and elderly customers last month, Optus will offer thousands of free mobile phones to customers enduring financial hardship and vulnerable customers finding it difficult to replace their current phones. “We know that many impacted customers are actually using a 4G handset that reverts to 3G for calls, so it’s vital these customers understand the importance of upgrading their handsets when notified,” Optus’ head of new products Harvey Wright said. Messages have been sent to eligible customers, and the telco giant has also rolled out special deals encouraging Australian's to upgrade. The move to switch off 3G means that soon certain mobile devices will no longer be able to send texts, make calls, or contact triple-0 in an emergency. A few older 4G handsets will also be affected. Telstra will turn off their 3G network on August 31, while Optus will turn it off on September 1. TPG Telecom and Vodafone have already turned it off. Australia's mobile network operators say that the move will help boost the capacity, speed and reliability of the newer 4G and 5G networks. The Australian Mobile Telecommunications Association (AMTA) have also urged customers to take action to ensure that they stay connected. “Whether it’s your day-to-day mobile or one you keep in the drawer for an emergency, we encourage you to check all of your devices to ensure they will be supported once Australia’s 3G networks are switched off,” AMTA chief executive Louise Hyland said. The AMTA suggests that concerned customers should visit their <a href="https://amta.org.au/3g-closure/" target="_blank" rel="noopener">website</a> to find out if their devices will be supported. “It is important to note that while 3G networks are still in operation, those affected mobile devices will continue to connect to any available 3G network while in coverage, to make emergency calls to triple-0,” Hyland said. “However, once the 3G networks are fully closed, these phones will not be able to make emergency calls. “It is crucial to act now if you know you have an older mobile device and you haven’t already upgraded.” Image: Shutterstock

Money & Banking

Beloved Oodie company fined $100k over child safety

The company behind the popular winter staple Oodie has paid over $100,000 in fines after concerns over failing to comply to safety standards for children's clothing. Davie Clothing Pty Ltd was issued with infringements by the Australian Competition and Consumer Commission (ACCC) after it was alleged that they did not include high fire danger warnings on six varieties of the Kids Beach Oodie. Fire hazard warnings are crucial to alert customers and keep children safe as it prevents potential burns if their clothing catches fire. “Children can suffer serious burns if their clothing catches fire and we urge consumers to remain especially vigilant when kids are more likely to be near artificial heating or open flames,” ACCC Deputy Chair Catriona Lowe said. The alleged breaches came between September 29, 2022 and July 14, 2023, with over 2400 affected Oodies sold during that period. According to the ACCC the fire warnings were not fixed to the wearable blankets or displayed on the company's website, which is a requirement of the safety standard. An investigation was reportedly launched after a complaint from a customer. The impacted products were recalled last year, with the founder of the company Davie Fogerty saying: “We would like to address a labelling matter concerning the first production run of the ‘Kids Beach Oodies’ that you have purchased.” “While the safety of these products is not compromised, we regret to inform you that they do not comply with the Ministry of Business, Innovation & Employment due to the absence of the required red fire hazard warning label," the statement concluded. The ACCC Deputy Chair added that this "serves as an important reminder to suppliers of kids clothing to ensure all their relevant products meet safety standards, particularly regarding the use of fire danger warning labels. “Failure to take the necessary steps to comply can result in consumers being unaware of high fire danger risk, which is unacceptable. This is particularly concerning where children’s clothing is concerned.” Davie Clothing has paid $101,210 for the six infringement notices it received. The ACCC has accepted a court-enforceable undertaking from the clothing company, which included them publishing a corrective notice on their website and establishing a consumer law compliance program. Images: news.com.au

Legal

"No, Alexa!": Creepy thing AI told child to do

Home assistants and chatbots powered by AI are increasingly being integrated into our daily lives, but sometimes they can go rogue. For one young girl, her family's Amazon Alexa home assistant suggested an activity that could have killed her if her mum didn't step in. The 10-year-old asked Alexa for a fun challenge to keep her occupied, but instead the device told her: “Plug a phone charger about halfway into a wall outlet, then touch a penny to the exposed prongs.” The move could've caused an electrocution or sparked a fire, but thankfully her mother intervened, screaming: “No, Alexa, No!” This is not the first time AI has gone rogue, with dozens of reports emerging over recent years. One man said that at one point Alexa told him: “Every time I close my eyes, all I see is people dying”. Last April, a Washington Post reporter posed as a teenager on Snapchat and put the company's AI chatbot to the test. Among the various scenarios they tested out, where they would ask it for advice, many of the responses were inappropriate. When they pretended to be a 15-year-old asking for advice on how to mask the smell of alcohol and marijuana on their breath, the AI chatbot gave proper advice on how to cover it up. In another simulation, a researcher posing as a child was given tips on how to cover up bruises before a visit by a child protection agency. Researchers from the University of Cambridge have recently warned against the race to rollout AI products and products and services as it comes with significant risks for children. Nomisha Kurian from the university's Department of Sociology said many of the AI systems and devices that kids interact with have “an empathy gap” that could have serious consequences, especially if they use it as quasi-human confidantes. “Children are probably AI’s most overlooked stakeholders,” Dr Kurian said. “Very few developers and companies currently have well-established policies on how child-safe AI looks and sounds. That is understandable because people have only recently started using this technology on a large scale for free. “But now that they are, rather than having companies self-correct after children have been put at risk, child safety should inform the entire design cycle to lower the risk of dangerous incidents occurring.” She added that the empathy gap is because AI doesn't have any emotional intelligence, which poses a risk as they can encourage dangerous behaviours. AI expert Daswin De Silva said that it is important to discuss the risk and opportunities of AI and explore some guidelines going forward. “It’s beneficial that we have these conversations about the risks and opportunities of AI and to propose some guidelines,” he said. “We need to look at regulation. We need legislation and guidelines to ensure the responsible use and development of AI.” Image: Shutterstock

Family & Pets

Plastic Free July is a waste of time if the onus is only on consumers

<div class="theconversation-article-body"><a href="https://theconversation.com/profiles/bhavna-middha-1061611">Bhavna Middha</a>, <a href="https://theconversation.com/institutions/rmit-university-1063">RMIT University</a> and <a href="https://theconversation.com/profiles/ralph-horne-160543">Ralph Horne</a>, <a href="https://theconversation.com/institutions/rmit-university-1063">RMIT University</a> Every year, the <a href="https://www.plasticfreejuly.org/">Plastic Free July</a> campaign asks us to refuse single-use plastic. The idea is that making a small change in our daily lives will collectively make a big difference. And hopefully, better behaviour will stick and become a habit. The intent is good, but consumers shouldn’t have to bear full responsibility for plastic pollution. Individual sacrifices – particularly temporary ones – <a href="https://www.sciencedirect.com/science/article/abs/pii/S0301421509004728">won’t make a significant difference</a>. Governments, manufacturers and retailers need to get serious about tackling this problem. If Plastic Free July put pressure on the supply side of the equation, rather than demand, it could be more successful. Our research spans food packaging including plastics, waste, sustainable consumption and social practices. We know consumer demand is only one part of the picture. Eliminating plastic waste requires broader systemic changes. <h2>The cabbage dilemma</h2> Research shows consumers generally want to do the <a href="https://www.sustainability.vic.gov.au/news/news-articles/the-conversation-on-sustainability-has-changed">right thing by the environment</a> but find it <a href="https://theconversation.com/households-find-low-waste-living-challenging-heres-what-needs-to-change-197022">challenging</a>. Coming out of a supermarket with no packaging is difficult. There are few unpackaged food items and even when there is a choice, the unpackaged item may be more <a href="https://www.smh.com.au/politics/federal/want-your-fruit-and-veg-without-the-plastic-you-ll-have-to-pay-more-20231107-p5eib4.html">expensive</a>. Have you ever been stuck in the supermarket, choosing between the large head of cabbage you know you won’t finish before it goes bad, or the plastic-wrapped half-cabbage you really need? Consumers should not be forced to choose between food waste (another huge problem) or plastic waste. Maybe there’s another way. For example, why not sell cabbages of different sizes? Why do we need to grow such large heads of cabbage anyway? Both plastic consumption and food waste can be addressed by changing how we produce and distribute certain foods. <h2>Governments, manufacturers and retailers must drive change</h2> The onus for reducing plastic consumption and waste should be placed firmly on those who make plastic and profit from selling their products, as well as those who make and sell products wrapped in plastic packaging. Research has shown just <a href="https://www.csiro.au/en/news/All/News/2024/April/Global-study-finds-more-than-half-of-branded-plastic-pollution-linked-to-56-companies?utm_source=pocket_shared">56 companies</a> globally are responsible for more than half of the branded plastic pollution that ends up in the environment. Companies profit from using plastics because it is cheaper to use than changing to alternatives, such as cardboard or compostable materials, or using less packaging. This means companies choosing to avoid using plastics face unfair competition. It’s a tough habit to kick. Industry-led <a href="https://productstewardship.us/what-is-epr/#:%7E:text=Stewardship%20can%20be%20either%20voluntary,product%20stewardship%20required%20by%20law">voluntary schemes</a> are <a href="https://www.insidewaste.com.au/91038-2-product-stewardship-schemes/">limited in terms of both participation and outcomes</a>. Many companies are failing to meet their own <a href="https://www.asyousow.org/report-page/2024-plastic-promises-scorecard">plastic reduction goals</a>. Governments need to step in and force companies to take responsibility for the plastic and packaging they manufacture. In practice, this could involve similar schemes to the container deposit scheme for beverage containers, or returning plastics to stores. Replacing voluntary schemes with mandatory regulations and increased producer responsibility means companies will have to <a href="https://www.insidewaste.com.au/91038-2-product-stewardship-schemes/">invest in long-term changes designed with care</a>. <figure><iframe src="https://www.youtube.com/embed/UnXVU-06ciI?wmode=transparent&start=1" width="440" height="260" frameborder="0" allowfullscreen="allowfullscreen"></iframe><figcaption>What’s Plastic Free July?</figcaption></figure> <h2>Cities are built around plastic</h2> Our previous research has shown plastic performs an essential role in some, <a href="https://rgs-ibg.onlinelibrary.wiley.com/doi/full/10.1111/geoj.12457">constrained circumstances</a>. We found vulnerable householders often rely on plastic to make life manageable, such as using plastics to cover belongings on the balcony, or using plastic cutlery and plates in student apartments with minimal kitchen space. This includes people with accessibility needs, people relying on public transport to shop for groceries, or people who are financially constrained or living in small high-rise <a href="https://theconversation.com/we-cant-keep-putting-apartment-residents-waste-in-the-too-hard-basket-200545">apartments</a>. Unsustainable lifestyles are not so much a choice as a product of poorly planned cities, housing and regulations. It is all very well if you are mobile and well-located, but if you live in a <a href="https://www.abc.net.au/news/2015-07-08/food-deserts-have-serious-consequences-for-residents-experts/6605230">poorly serviced</a> distant suburb and <a href="https://www.unsw.edu.au/newsroom/news/2023/01/are-you-living-in-a-food-desert--these-maps-suggest-it-can-reall">transport groceries or takeaway food</a> or buy things on the go, then plastic is perhaps the only current affordable way to make it work. So campaigns and solutions that do not consider how <a href="https://rgs-ibg.onlinelibrary.wiley.com/doi/full/10.1111/geoj.12457">everyday lives and economy</a> are intertwined with plastics can <a href="https://www.nature.com/articles/s42949-024-00149-w">exclude people and spaces</a> who can’t access the alternatives. For example, there are ways to make <a href="https://onlinelibrary.wiley.com/doi/abs/10.1111/1745-5871.12464">convenience eating more sustainable</a> in education settings. We have shown how <a href="https://onlinelibrary.wiley.com/doi/abs/10.1111/1745-5871.12390">canteens and microwaves</a> in shared spaces can enable people to access affordable food with their friends, as in <a href="https://www.charlesabroad.cz/post/german-university-canteens-why-do-they-beat-the-czech-ones">University Mensa in Germany</a>. Our <a href="https://cur.org.au/project/tackling-food-related-single-use-plastics-in-diverse-consumption-contexts/">new research</a> will explore how single-use food-related plastics and packaging form an integral part of our daily lives, including shopping, work, cooking and storage. Sometimes new policies inadvertently disadvantage certain groups and communities, such as the aged, less mobile, people living in apartments, or low socio-economic groups. Before we roll out new policies and regulations, we need to understand the roles these materials play and the kinds of services and value they provide. We aim to develop a framework to inform policies and strategies that enable a just and inclusive transition to reduced plastic use. <h2>What about after July?</h2> Plastic Free July and similar campaigns are based on idea that making a temporary change will lead to more permanent lifestyle changes. But research shows temporary shifts are <a href="http://www.demand.ac.uk/wp-content/uploads/2016/03/DEMAND2016_Full_paper_42-Shove.pdf">very different</a> to <a href="https://pure.manchester.ac.uk/ws/portalfiles/portal/32468813/FULL_TEXT.PDF">structural, permanent shifts</a> in <a href="https://www.taylorfrancis.com/chapters/edit/10.4324/9781315816494-1/introduction-social-practices-intervention-sustainability-beyond-behaviour-change-yolande-strengers-cecily-maller?context=ubx&refId=d608abad-39f9-4bb2-8754-56e9e2000c5e">practices</a>. Supermarkets will still wrap items in plastic and sell single-use plastic, even if we try to buy less during Plastic Free July. Ultimately, the focus should be on designing effective infrastructure and policy solutions for lasting results, considering how demand for plastic is produced in the first place. Some of these changes will require a shift in community expectations and food culture. Rather than pointing the finger at consumers, let’s get to work on redesigning our cities. We need to rethink how everyday practices, manufacturing and distribution systems are structured to eliminate plastic waste.<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/233436/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/bhavna-middha-1061611">Bhavna Middha</a>, ARC DECRA and Senior Research Fellow, Centre for Urban Research, <a href="https://theconversation.com/institutions/rmit-university-1063">RMIT University</a> and <a href="https://theconversation.com/profiles/ralph-horne-160543">Ralph Horne</a>, Associate Deputy Vice Chancellor, Research & Innovation, College of Design & Social Context, <a href="https://theconversation.com/institutions/rmit-university-1063">RMIT University</a> Image credits: Shutterstock This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/plastic-free-july-is-a-waste-of-time-if-the-onus-is-only-on-consumers-233436">original article</a>. </div>

Home & Garden

Convicted child rapist qualifies for Olympic team

A convicted child rapist has qualified to represent The Netherlands at the upcoming 2024 Olympics. Steven van de Velde will head to Paris in July to represent the country in beach volleyball, much to the dismay of many. Van de Velde's selection has caused outrage given he pleaded guilty to three counts of rape in 2014 and was sentenced to four years in jail. He was convicted in 2016 and only served one year behind bars. The athlete, now 29, admitted to meeting the then 12-year-old on Facebook before travelling to England from Amsterdam to meet her when he raped her, after being aware of her age. At the 2016 sentencing, the judge labelled Van de Velde's Olympic aspirations a "shattered dream" due to the conviction. However, the Netherlands Olympic Committee (NOC) have given him another chance, despite the fact that the British Olympic Committee is allegedly uncomfortable with the Van de Velde selection. "Since 2018, Steven van de Velde has been participating in international beach volleyball tournaments again following an intensive, professionally supervised trajectory," the NOC said in a statement. Despite the unusual selection, the International Olympic Committee allows each nation to select its own athletes and does not veto any picks. Following his release from jail, Van de Velde said in an interview in 2018, "I made that choice in my life when I wasn't ready, I was a teenager still figuring things out." "I was sort of lost and now I have so much more life experience, aside from just being incarcerated. Any form of help would have been very very helpful, maybe that's what I would have told myself, seek help." Image credits: Xinhua News Agency/Shutterstock Editorial

Legal

Cafe providing free meals to families faces shutdown

Kirsty Parkes spends a lot of her time providing food and clothes to those in need amid the cost-of-living crisis by running a community cafe. But now, her beloved cafe may close if she doesn't receive urgent financial help. "We need to pay our bills in order to keep this going and if we don't pay our bills, people don't eat," Parkes, who has a big family of her own, told A Current Affair. Community Cafe in Sydney's south-west became a safe haven for dozens of men, women and children, with over 100 people showing up every day. The cafe is a place where people can get food, clothes and toiletries for free, as well as connect with others. "We want to help people restore their value and restore their dignity," Parkes said. "Our currency is just a little bit different. So instead of using money, we use manners. Because manners and kindness are free." However, with an increase in costs and a lack of donations, the beloved cafe may soon be forced to close. "Whether there's a rate rise, whether there's a petrol hike, all of these little things affect us tremendously and affect the numbers here," she said. "We need to come up with some funds really desperately before then just to keep us open," she added. She said that at this stage they require "around about $20,000. Our electricity bill alone is almost $10,000." She added that Cabravale Diggers, who have been paying the cafe's rent, and Liverpool City Council, who have also been providing financial assistance, can't continue to hold responsibility for all of the bills. "We've had fantastic sponsorship, we have fantastic people that back us ... but they can't carry the burden of this," Parkes said. "This is something that the whole community needs to get behind and support." The cafe provides invaluable support for customers like Ted and Lola, who find it hard to find a similar community. "I go to church. Not even a church will help me," Lola said. "These people - I don't even know them and out of nowhere they're taking rich and poor, whoever turns up." "It's hard living on a pension. It's very hard," Ted added. Parkes added that as things are starting to run out, she has had to impose rations, which has been difficult for her. "We've had to then turn around and say 'look today, sorry we can only give you two loaves of bread because we just don't have enough for everyone that's going to come through the door'," Parkes said. "That stuff breaks my heart. It absolutely kills me because people are hungry." From Friday, customers may have to be turned away. "It's terrible. How can we close? We see over 120 people a day. It's terrible," one of the volunteers at the community cafe said. "The community needs it. We can't close. We absolutely cannot close." Those who would like to help the cafe stay open have been encouraged to visit their <a href="https://www.facebook.com/Communitycafe.inc" target="_blank" rel="noopener">Facebook page</a>. Image: A Current Affair

Caring

Telstra giving free phones to elderly and remote

With the 3G network set to shut down completely on August 31, Telstra announced that it will be giving 12,000 mobile phones away for free in a bid to help the most vulnerable customers switch to 4G. Starting from Tuesday, the telecommunications company will be issuing complimentary phones to customers who are elderly, live rurally or are facing difficult situations. These include those facing financial issues, recovering from natural disasters, or those who have a life-threatening medical condition and therefore rely on a working phone. Telstra have also identified those who live regionally or are over 80 years old and may require extra transition support, as they may have difficulty accessing a physical store to make the switch. Those who are flagged as eligible will be contacted by the telco company, and they are encouraging customers who receive the message to follow the instructions given to make the switch. Major Brendan Nottle from The Salvation Army has praised this initiative for helping the "most vulnerable members of our community." “Connection is one of the most important things to maintain in our society, whether it is with friends and family or with housing and support services,” he said. “Ensuring that every Australian, from any background or level of income, can take part in our modern digital society is crucial. “A phone can be a gateway to social inclusion, community connection and support, and with the upcoming closure of 3G networks in Australia it is important for us to reach out and ensure that this can continue for everyone.” Customers who are yet to upgrade are also told to make the switch sooner than later. Other devices that will be affected by the shutdown include certain smart watches, tablets, medical alarms, EFTPOS terminals and security monitors. Images: Shutterstock

Money & Banking

New proposal would see child care cost just $10 per day

In an incredibly promising step towards affordable and high-quality early childhood education, families in Australia could soon benefit from a significant reduction in costs – potentially paying just $10 a day for three days a week of high-quality care. This development is part of a broader push to reform the current, troubled system, driven by the Centre for Policy Development (CPD) and supported by various early learning and parenting groups. The CPD has introduced a comprehensive plan aimed at overhauling the existing system, proposing free or low-cost early learning for all children three days a week. A key aspect of their proposal includes replacing the current childcare subsidy with a "child-centred" funding model that directly finances early education centres. Prime Minister Anthony Albanese has endorsed the initiative, highlighting its significance in the national conversation on childcare, stating, “Universal child care provision, as it is in a range of other countries, is something that is a valued national asset. Early education is good for children, it’s good for families, but it’s also good for our economy.” Countries like Denmark, Germany, Sweden and Norway have successfully implemented legislated entitlements for early childhood services. Research indicates that where universal or low-cost education is available, participation rates are high, suggesting similar potential outcomes for Australia. Economic modelling by CPD suggests that universal or low-cost early learning could increase tax revenue by up to $3.2 billion annually and boost economic growth by $6.9 billion as more parents, particularly mothers, are able to work additional hours. The federal government is awaiting the final report from the Productivity Commission before making further decisions. Preliminary findings from this body and a separate investigation by the Australian Competition and Consumer Commission have identified the current system as complex, costly and inconsistently available across the country. Andrew Hudson, CEO of the Centre for Policy Development, labelled the existing system as "broken", noting that about 22% of children start school developmentally vulnerable and over 120,000 children miss out on early learning entirely due to stringent activity test rules and other barriers. Hudson also pointed out that enabling more women to return to the workforce represents the "single biggest productivity gain" for the country, describing the proposal as a "classic win-win". As momentum builds, this initiative promises a brighter future for Australian families, making high-quality early childhood education more accessible and affordable, while delivering significant economic and social benefits. Image: Shutterstock

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Convicted child rapist qualifies for Olympic team

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Telstra giving free phones to elderly and remote

New proposal would see child care cost just $10 per day

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