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Cruise director shares little known ship facts

<p dir="ltr">A cruise director has revealed little known facts about cruise ships and their dedicated staff, while sharing tips for eager travellers. </p> <p dir="ltr">Luigi Incarnato, cruise director for MSC, is often seen hosting events, introducing acts and getting involved with passengers onboard his cruises. </p> <p dir="ltr">He shared his top tips for passengers with <em><a href="https://travel.nine.com.au/cruising/cruise-ship-worker-msc-world-europa/cab3f458-35e0-4989-aa3e-ce0cec1eee6b">9Travel</a></em>, while also revealing some industry secrets. </p> <p dir="ltr">When asked what people may not have considered about the crew and vessel of a cruise ship, Luigi shared that even more work goes into pulling off a trip than one might think. </p> <p dir="ltr">He said, “Our crew onboard comes from more than 60-70 countries of the world, spread on all continents, leading to an exceptionally culturally diverse team, which we are very proud of.”</p> <p dir="ltr">“Each one of our crew members is remarkably hard working and skilled in their trade. Our crew comes onboard for an average of six to seven months then goes home to rest for an average of two months and reembarks, possibly on a new ship.”</p> <p dir="ltr">“We also work on national holidays, on Christmas Day and New Year's Eve.”</p> <p dir="ltr">Luigi added that there is one thing many people may not think to bring onboard, that is of vital importance. </p> <p dir="ltr">When asked what essential to pack, he said, “Their complete health issues history and a medicine list with any prescriptions that may be needed during the cruise.”</p> <p dir="ltr">“A suitable wardrobe for the theme nights, especially for the elegant and white dress code evenings, and sunscreen.”</p> <p dir="ltr"><em>Image credits: Shutterstock </em></p>

Cruising

How cutting edge AI technology is helping doctors reduce waitlists

<div> <p>Artificial intelligence is now being used by Australian specialist doctors to reduce patient wait times and experts say it could be a game changer for the health sector, where some patients are waiting months or even years for an appointment.</p> </div> <div> <p>Leading Australian tech company <a title="https://www.medowhealth.ai/" href="https://www.medowhealth.ai/" data-outlook-id="ad0ccae0-1f97-484e-ba83-d8d566a7608a">Medow Health</a> has developed an AI “co-pilot” technology which automates medical reports for specialist doctors while operating in the background during patient consultations, saving clinicians hours which allows them to see more patients each day. </p> </div> <div> <p>“This technology transforms the way medical reports are formulated and processed, helping specialists reduce their paperwork and freeing up valuable time and resources which can be better spent on patient care,” said Joel Freiberg who co-founded Medow Health with his brother after his own experience with a chronic illness coupled with watching their father who is a respiratory specialist dictate reports until 10pm from the dinner table, prompting them to come up with a more efficient way for clinicians to work.</p> </div> <div> <p>“The idea was to improve what really is an archaic reporting system, which saw specialists taking notes with their back to the patient during consultations or having to speak into a dictaphone to be transcribed later, instead of solely focusing on the patient in front of them,” Mr Freiberg said.</p> </div> <div> <p>The uptake from specialists utilising the new technology has been swift, with doctors reporting the technology is giving them back two to three hours a day, reducing burnout and allowing them to see multiple more patients in that time if they choose.</p> </div> <div> <p>“Instead of your doctor staring into the computer typing notes, they can really concentrate on your needs and wellbeing while the technology does the note taking in the background and creates an almost instant report that the doctor just has to review rather than formulate from scratch,” Mr Freiberg said.</p> </div> <div> <p>Data from the Australian Medical Association on “hidden waitlists” for a specialist outpatient appointment shows some people are languishing for years for an initial consultation - up to 800 days for an initial appointment for an Ear, Nose and Throat Surgeon, up to 898 days for an urgent appointment with a neurosurgeon, while waitlists for a gastroenterologist or ophthalmologist can be as long as five years and up to 36 months to see a paediatrician.</p> </div> <div> <p>Mr Freiberg said the new cutting edge technology could supercharge a reduction in waitlists and speed up the appointment process.</p> </div> <div> <p>“We’re not trying to replace doctors, we’re trying to help them. Manually producing medical reports is a time-consuming and complex process that requires extensive paperwork and hours of labour-intensive work,” he said.</p> </div> <div> <p>“By using cutting edge AI specific to each medical specialty to examine patient interactions, formulate reports, and provide valuable insights we can enable doctors to do what they do best - focus on patient care,” Mr Freiberg said.</p> </div> <div> <p>Chris O’Brien Life House Chief Executive and medical oncologist Professor Michael Boyer who is on the Medow Health Clinical Advisory Council agreed the technology will improve patient care and help reduce waiting lists.</p> </div> <div> <p>"Any piece of technology that allows doctors to focus on the patient, helps deliver better care,” Prof Boyer said.</p> </div> <div> <p>"This technology helps the health professional to really turn their attention to the patient and what matters, instead of worrying about what notes they need and what letters they need to write. It allows them to focus on what is important.</p> </div> <div> <p>"There's no doubt this technology saves time and while it might only allow a single doctor to see an extra one of two patients a day, if you multiply that across the health system then it makes a big difference,” Prof Boyer said.</p> </div> <div> <p>Engagement with Medow Health is taking off in Australia, with the company reporting growth of more than 50 percent month on month across 15 different specialties including Cardiology, Gastroenterology, ENT, Geriatric, Orthopaedic Surgery, Paediatric, Neurology, General Surgery and Breast Surgeons, with some of Australia’s leading specialist doctors among the investors and Medtech Entrepreneurs to invest in its recent Seed round.</p> </div> <div> <p><strong>About Medow Health AI</strong></p> </div> <div> <p><em>Medow Health AI is a pioneering Australian based healthcare technology company dedicated to revolutionising the medical industry through the power of artificial intelligence to streamline processes, improve patient care, and enhance overall efficiency in healthcare settings.</em></p> </div> <div> <p><em> The company was founded by Joel Freiberg and soon after his brother Josh and former CTO and colleague Andrew joined as co-founders using their combined 30 years experience in technology and software to help build the business into the leading Specialist AI platform it is today.</em></p> </div> <div> <p><em>Joel lives with Crohn’s disease and has experienced long waits to see a specialist. The pair recognised there was a need for change growing up as they watched their father, a respiratory physician spend endless hours doing admin after work. </em></p> </div> <div> <p><em>The company has just completed a $1M funding round in the first half of 2024, grown the team to 10 full time employees and signed a partnership with Magentus the owner of leading specialist electronic medical record systems Genie & Gentu (who Medow Health integrates with).</em></p> <p><em>Image credits: Shutterstock</em></p> </div>

Caring

Readers response: What have you had to cut out of your life to cope with cost of living pressures?

<p>As the cost of living continues to rise, many people have had to cut things out of their day to day spending to cope with the financial struggles. </p> <p>We asked our readers what they have had to cut out of their budgets to cope with cost of living pressures, and the response was overwhelming. Here's what they said. </p> <p><strong>Wendy Oliver</strong> - We don’t eat out often at all… I spend too much in the supermarket.</p> <p><strong>Christine Brooks</strong> - I've cut out steak, good nutritional foods, TV streaming, entertainment, haircuts, new clothes, pets, pool cleaning, and more.</p> <p><strong>Kerrie Dare</strong> - I limit steak meals. I've stopped my haircuts to every 4 months. Internet is getting chopped. I can only afford exercise classes twice a week. I don't eat as much fruit as I used too. I only buy groceries when on special. One bottle of wine per fortnight. One slice of sourdough in the morning, which means the loaf lasts a week. I turn on my washing machine around every 10 days & I have quick showers. No eating out or take away. Maybe one cup of coffee per week with a friend. Movies once every 6 weeks as a social group. No concerts or clubs. I drive only locally, so a tank of petrol lasts 1 month. No weekends away.</p> <p><strong>Jane Dawes</strong> - No coffees, beauty treatments, hairdresser, eating out, takeouts etc. The trouble is not affording to spend on certain items has a flow on effect for businesses. Everyone is suffering. </p> <p><strong>Lois E. Fisk</strong> - Going out to eat or see movies in the cinema or live plays or new clothes. I shop at the least expensive grocery stores as much as possible, and good cuts of meat rarely happen.</p> <p><strong>Janice Stenning</strong> - Don't go to the hairdressers as often and don't buy as many clothes. </p> <p><strong>Debra Dugar </strong>- Thinking about dropping my extras cover of my insurance. By the time I pay for it, I can't afford the gap you have to pay.</p> <p><strong>Robyn Lee </strong>- Living in my own house. I now live with my family. </p> <p><strong>Rhondda Hughes</strong> - Well, petrol is expensive so I have to really think if I can afford to visit anyone. I can’t eat meat much and even vegetables can be expensive. We have three chickens so they give us eggs but good quality eggs and healthy chickens require money too. Fortunately I live in Perth so, in comparison to other states, it isn’t as cold however the cost of heating is a significant consideration and therefore I just tend to go to bed.</p> <div style="font-family: inherit;"><strong>Felicity Jill Murphy</strong> - Stopped going out to shopping centres. That's where I spend money unnecessarily.</div> <div style="font-family: inherit;"><em>Image credits: Shutterstock </em></div> <div style="font-family: inherit;"> </div> <div class="x6s0dn4 x3nfvp2" style="font-family: inherit; align-items: center; display: inline-flex; min-width: 584px;"> <ul class="html-ul xe8uvvx xdj266r x4uap5 x18d9i69 xkhd6sd x1n0m28w x78zum5 x1wfe3co xat24cr xsgj6o6 x1o1nzlu xyqdw3p" style="list-style: none; margin: 0px -8px 0px 4px; padding: 3px 0px 0px; display: flex; min-height: 15px; line-height: 12px; caret-color: #1c1e21; color: #1c1e21; font-family: system-ui, -apple-system, BlinkMacSystemFont, '.SFNSText-Regular', sans-serif; font-size: 12.000001px;" aria-hidden="false"> <li class="html-li xdj266r xat24cr xexx8yu x4uap5 x18d9i69 xkhd6sd x1rg5ohu x1emribx x1i64zmx" style="display: inline-block; padding: 0px; margin: 0px 8px;"> </li> </ul> </div> <p> </p>

Money & Banking

"So Australian": Local trust praised for response to illegal tree cutting

<p>A resident's decision to cut down a tree for a better view of Sydney Harbour has backfired after a sign was erected where the tree once stood, to condemn tree vandalism. </p> <p>Following multiple reports of resident carrying out tree vandalism along affluent streets, the Sydney Harbour Federation Trust has called out the behaviour by setting up the sign in the Sydney lower North Shore suburb of Woolwich. </p> <p>"Tree vandalism has occurred in this area," the sign read. </p> <p>"The Sydney Harbour Federation Trust protects and manages this land for the enjoyment of the public.</p> <p>"Acts of vandalism like this deprive all of us of the natural environment."</p> <p>The sign also warned that offenders could be subject to fines and/or prosecution as punishment, and urged those who notice any suspicious activity to contact 8969 2100. </p> <p>After an image of the sign was shared to a Sydney group on social media, the local trust's actions have been praised, with many saying they "loved how petty this is" and one even declaring the response "so Australian". </p> <p>"I hope they keep this sign, as a reminder to anyone contemplating doing something similar," one commented.</p> <p>"We're petty but we have a right to be. You don't f**n poison or cut down trees. F**n unacceptable behaviour," another added. </p> <p>Others accused the person who cut down the tree of being "entitled". </p> <p>In last November alone, over 300 native trees and shrubs vanished in front of multi-million dollar homes along the Sydney Harbour waterfront strip.</p> <p>Lane Cove Council believe that hand tools were used to silently cut down the trees, which impacts plants, and local wildlife including wallabies, possums and dozens of other species. </p> <p>On Monday, the council put out a statement saying its "pursuit of justice" is now ramping up, referring to the incident as "the largest tree vandalism case in Lane Cove’s recent history".</p> <p>They are trying to obtain permission to put up a sign to block "the harbour view of the property which would most benefit from the mass clearing of the trees." </p> <p>"As the area is classified as a Threatened Ecological Community and contains some items of Aboriginal Heritage, it was important the appropriate approvals were in place before installing the signage," the council added.</p> <p>"The legal case and banner installation are important steps in our commitment to seeking the strongest possible recourse response to send a message that we stand tall against tree vandalism."</p> <p><em>Images: Reddit</em></p>

Legal

4 ways to cut down on meat when dining out – and still make healthy choices

<div class="theconversation-article-body"> <p>.<em><a href="https://theconversation.com/profiles/laura-marchese-1271636">Laura Marchese</a>, <a href="https://theconversation.com/institutions/deakin-university-757">Deakin University</a> and <a href="https://theconversation.com/profiles/katherine-livingstone-324808">Katherine Livingstone</a>, <a href="https://theconversation.com/institutions/deakin-university-757">Deakin University</a></em></p> <p>Many of us are looking for ways to eat a healthier and more <a href="https://theconversation.com/how-sustainable-is-your-weekly-grocery-shop-these-small-changes-can-have-big-benefits-234367">sustainable diet</a>. And one way to do this is by reducing the amount of meat we eat.</p> <p>That doesn’t mean you need to become a <a href="https://theconversation.com/why-you-should-eat-a-plant-based-diet-but-that-doesnt-mean-being-a-vegetarian-78470">vegan or vegetarian</a>. Our <a href="https://jn.nutrition.org/article/S0022-3166(24)00333-X/fulltext">recent research</a> shows even small changes to cut down on meat consumption could help improve health and wellbeing.</p> <p>But not all plant-based options are created equal and some are <a href="https://pubmed.ncbi.nlm.nih.gov/30744710/">ultra-processed</a>. Navigating what’s available when eating out – including options like tofu and fake meats – can be a challenge.</p> <p>So what are your best options at a cafe or restaurant? Here are some guiding principles to keep in mind when cutting down on meat.</p> <h2>Health benefits to cutting down</h2> <p>Small amounts of lean meat can be part of a healthy, balanced diet. But the majority of Australians <a href="https://cancer.org.au/about-us/policy-and-advocacy/prevention/obesity/related-resources/meat-and-cancer#consumption">still eat more meat</a> than recommended.</p> <p>Only a small percentage of Australians (10%) are vegetarian or vegan. But an <a href="https://www.foodfrontier.org/wp-content/uploads/2019/10/Food-Frontier-Hungry-For-Plant-Based-Australian-Consumer-Insights.pdf">increasing</a> number opt for a <a href="https://theconversation.com/love-meat-too-much-to-be-vegetarian-go-flexitarian-73741">flexitarian</a> diet. <a href="https://theconversation.com/whats-the-difference-between-vegan-and-vegetarian-225275">Flexitarians</a> eat a diet rich in fruits and vegetables, while still enjoying small amounts of meat, dairy, eggs and fish.</p> <p>Our <a href="https://jn.nutrition.org/article/S0022-3166(24)00333-X/fulltext">recent research</a> looked at whether the average Australian diet would improve if we swapped meat and dairy for plant-based alternatives, and the results were promising.</p> <p>The study found health benefits when people halved the amount of meat and dairy they ate and replaced them with healthy plant-based foods, like tofu or <a href="https://www.heartfoundation.org.au/blog/why-you-need-legumes-in-your-life">legumes</a>. On average, their dietary fibre intake – which helps with feeling fuller for longer and digestive health – went up. Saturated fats – which increase our blood cholesterol levels, a risk factor for heart disease – went down.</p> <p>Including more fibre and less saturated fat helps reduce the risk of <a href="https://www.heartfoundation.org.au/healthy-living/healthy-eating/healthy-eating-to-protect-your-heart">heart disease</a>.</p> <p>Achieving these health benefits may be as simple as swapping ham for baked beans in a toastie for lunch, or substituting half of the mince in your bolognese for lentils at dinner.</p> <h2>How it’s made matters</h2> <p>For a long time we’ve known processed meats – such as ham, bacon and sausages – are bad for your health. Eating high amounts of these foods is associated with poor <a href="https://www.heartfoundation.org.au/healthy-living/healthy-eating/protein-and-heart-health">heart health</a> and some forms of <a href="https://cancer.org.au/cancer-information/causes-and-prevention/diet-and-exercise/meat-and-cancer-risk">cancer</a>.</p> <p>But the same can be true of many processed meat alternatives.</p> <p>Plant-based alternatives designed to mimic meat, such as sausages and burgers, have become readily available in supermarkets, cafes and restaurants. These products are ultra-processed and can be <a href="https://theconversation.com/we-looked-at-700-plant-based-foods-to-see-how-healthy-they-really-are-heres-what-we-found-222991">high in salt and saturated fat</a>.</p> <p>Our study found when people replaced meat and dairy with ultra-processed meat alternatives – such as plant-based burgers or sausages – they ate more salt and less calcium, compared to eating meat or healthy plant-based options.</p> <p>So if you’re cutting down on meat for health reasons, it’s important to think about what you’re replacing it with. The <a href="https://www.eatforhealth.gov.au/sites/default/files/2022-09/n55g_adult_brochure.pdf">Australian Dietary Guidelines</a> recommend eggs, legumes/beans, tofu, nuts and seeds.</p> <p>Tofu can be a great option. But we recommend flavouring plain tofu with herbs and spices yourself, as pre-marinated products are often ultra-processed and can be high in salt.</p> <h2>What about when dining out?</h2> <p>When you’re making your own food, it’s easier to adapt recipes or reduce the amount of meat. But when faced with a menu, it can be difficult to work out what is the best option.</p> <p>Here are our four ways to make healthy choices when you eat out:</p> <p><strong>1. Fill half your plate with vegetables</strong></p> <p>When cutting down on meat, aim for half your plate to be vegetables. Try to also eat <a href="https://theconversation.com/were-told-to-eat-a-rainbow-of-fruit-and-vegetables-heres-what-each-colour-does-in-our-body-191337">a variety of colours</a>, such as leafy green spinach, red capsicum and pumpkin.</p> <p>When you’re out, this might look like choosing a vegetable-based entree, a stir-fry or ordering a side salad to have with your meal.</p> <p><strong>2. Avoid the deep fryer</strong></p> <p>The Australian Dietary Guidelines <a href="https://www.eatforhealth.gov.au/sites/default/files/files/the_guidelines/n55a_australian_dietary_guidelines_summary_130530.pdf">recommend limiting</a> deep fried foods to once a week or less. When dining out, choose plant-based options that are sautéed, grilled, baked, steamed, boiled or poached – instead of those that are crumbed or battered before deep frying.</p> <p>This could mean choosing vegetarian dumplings that are steamed not fried, or poached eggs at brunch instead of fried. Ordering a side of roast vegetables instead of hot chips is also a great option.</p> <p><strong>3. Pick wholegrains</strong></p> <p>Scan the menu for wholegrain options such as brown rice, wholemeal pizza or pasta, barley, quinoa or wholemeal burger buns. Not only are they good sources of protein, but they also provide more <a href="https://www.eatforhealth.gov.au/food-essentials/five-food-groups/grain-cereal-foods-mostly-wholegrain-and-or-high-cereal-fibre">dietary fibre</a> than refined grains, which help keep you fuller for longer.</p> <p><strong>4. If you do pick meat – choose less processed kinds</strong></p> <p>You may not always want, or be able, to make a vegetarian choice when eating out and with other people. If you do opt for meat, it’s better to steer clear of processed options like bacon or sausages.</p> <p>If sharing dishes with other people, you could try adding unprocessed plant-based options into the mix. For example, a curry with lentils or chickpeas, or a vegetable-based pizza instead of one with ham or salami. If that’s not an option, try choose meat that’s a lean cut, such as chicken breast, or options which are grilled rather than fried.<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/236505/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /></p> <p><em><a href="https://theconversation.com/profiles/laura-marchese-1271636">Laura Marchese</a>, PhD candidate at the Institute for Physical Activity and Nutrition, <a href="https://theconversation.com/institutions/deakin-university-757">Deakin University</a> and <a href="https://theconversation.com/profiles/katherine-livingstone-324808">Katherine Livingstone</a>, NHMRC Emerging Leadership Fellow and Senior Research Fellow at the Institute for Physical Activity and Nutrition, <a href="https://theconversation.com/institutions/deakin-university-757">Deakin University</a></em></p> <p><em>Image credits: Shutterstock </em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/4-ways-to-cut-down-on-meat-when-dining-out-and-still-make-healthy-choices-236505">original article</a>.</em></p> </div>

Food & Wine

"Cut this rubbish out": Channel 7's fresh "news" segment slammed

<p>Channel 7's major bulletin shake up has not been well received by some viewers. </p> <p>On Friday night, they kicked off their new comedy segment with Mark Humphries, whose satirical humour was intended to be used to "cut through political spin and translate current affairs in the universal news language of taking the piss” according to appointed news director Anthony De Ceglie. </p> <p>Humphries’ three minutes comedy segment premiered under the banner <em>The 6.57pm News</em>, and was made to look like a continuation of the news. </p> <p>That night, they were discussing US President Joe Biden's press conference which aired earlier in the day. </p> <p>“His press conference was delayed for over an hour, presumably because the President was running late … or more likely waddling late,” Humphries said in the segment. </p> <p>“Biden who is 81 – but doesn’t look a day over 90 – spoke smoothly on a variety of issues and allayed voters fears about his age … is what I wish I could tell you.</p> <p>“Instead, this happened …”</p> <p>He then played a clip of Biden confusing Kamala Harries with Donald Trump, followed by another clip of him whispering on the lectern. </p> <p>“Very reassuring and not weird at all,” the comic said.</p> <blockquote class="instagram-media" style="background: #FFF; border: 0; border-radius: 3px; box-shadow: 0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width: 540px; min-width: 326px; padding: 0; width: calc(100% - 2px);" data-instgrm-captioned="" data-instgrm-permalink="https://www.instagram.com/p/C9TGVSTTozZ/?utm_source=ig_embed&utm_campaign=loading" data-instgrm-version="14"> <div style="padding: 16px;"> <div style="display: flex; flex-direction: row; align-items: center;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 40px; margin-right: 14px; width: 40px;"> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 100px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 60px;"> </div> </div> </div> <div style="padding: 19% 0;"> </div> <div style="display: block; height: 50px; margin: 0 auto 12px; width: 50px;"> </div> <div style="padding-top: 8px;"> <div style="color: #3897f0; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: 550; line-height: 18px;">View this post on Instagram</div> </div> <div style="padding: 12.5% 0;"> </div> <div style="display: flex; flex-direction: row; margin-bottom: 14px; align-items: center;"> <div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(0px) translateY(7px);"> </div> <div style="background-color: #f4f4f4; height: 12.5px; transform: rotate(-45deg) translateX(3px) translateY(1px); width: 12.5px; flex-grow: 0; margin-right: 14px; margin-left: 2px;"> </div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(9px) translateY(-18px);"> </div> </div> <div style="margin-left: 8px;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 20px; width: 20px;"> </div> <div style="width: 0; height: 0; border-top: 2px solid transparent; border-left: 6px solid #f4f4f4; border-bottom: 2px solid transparent; transform: translateX(16px) translateY(-4px) rotate(30deg);"> </div> </div> <div style="margin-left: auto;"> <div style="width: 0px; border-top: 8px solid #F4F4F4; border-right: 8px solid transparent; transform: translateY(16px);"> </div> <div style="background-color: #f4f4f4; flex-grow: 0; height: 12px; width: 16px; transform: translateY(-4px);"> </div> <div style="width: 0; height: 0; border-top: 8px solid #F4F4F4; border-left: 8px solid transparent; transform: translateY(-4px) translateX(8px);"> </div> </div> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center; margin-bottom: 24px;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 224px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 144px;"> </div> </div> <p style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; line-height: 17px; margin-bottom: 0; margin-top: 8px; overflow: hidden; padding: 8px 0 7px; text-align: center; text-overflow: ellipsis; white-space: nowrap;"><a style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: normal; line-height: 17px; text-decoration: none;" href="https://www.instagram.com/p/C9TGVSTTozZ/?utm_source=ig_embed&utm_campaign=loading" target="_blank" rel="noopener">A post shared by Mark Humphries (@humphriesmark)</a></p> </div> </blockquote> <p>Humphries then tried to make a joke out of it saying that Biden was suffering from a condition called “that guy old” with symptoms including confusing names, long pauses, “and keeping your mouth just that little bit open with that slightly disappointed look like Bunnings just told you the sausage sizzle is closed”.</p> <p> “But if you think that’s bad, wait till you find out the condition the other candidate has ‘that guy convicted felon’,” he concluded. </p> <p>While some Channel 7 viewers "loved" it and thought it was “better than <em>The Project</em>,” a few others were less impressed. </p> <p>“This was an appalling segment … hire, rather than sack, journos,” read one comment on social media. </p> <p>“It was a deplorable segment that has no place in a news bulletin,” another added. </p> <p>"It was absolutely ridiculous. I hope channel 7 cut this rubbish out," wrote a third. </p> <p>"This was cringe," another said. </p> <p><em>Images: Instagram</em></p>

10 ways to make those stage 3 tax cuts count

<p>You’re already used to living without these extra dollars. So, you won’t miss them by continuing to do so. Consider the various options available and which best suits your circumstances, then devise a plan of action to put that money to work.</p> <ol> <li><strong>Check tax brackets</strong></li> </ol> <p>Not only are some income tax rates falling, but the thresholds for others are increasing - potentially pushing you into a lower tax bracket.</p> <p>For example, Alice currently earns $130,000 and this tips her into marginal tax rate of 37 per cent. </p> <p>The Stage 3 changes will increase the 37 per cent tax threshold to $135,001. As such, Alice drops to a lower tax bracket. Not only this, her new tax bracket will have its marginal tax rate reduced from 32.5 per cent to 30 per cent. It’s a double win for Alice!</p> <p>This shouldn’t change your money habits but is still good to know.</p> <ol start="2"> <li><strong>Update your plan</strong></li> </ol> <p>Check <a href="https://www.ato.gov.au/about-ato/new-legislation/in-detail/individuals/individual-income-tax-rates-and-threshold-changes">what your new tax rate will be</a> to calculate your new take-home pay (or simply look at your first full pay cycle in the new financial year).</p> <p>Plot your new income into your household spending and investment plan. Now you know what you have to play with.</p> <ol start="3"> <li><strong>Check your pay</strong></li> </ol> <p>Most employers use digital payroll systems which automatically update tax rates. But not all do. And even then, mistakes can happen.</p> <p>From July, double check that your pay is adjusted correctly. </p> <p>If you notice a mistake, speak up – not only will you and your colleagues benefit, but you could save your employer from costly penalties for an innocent mistake.</p> <ol start="4"> <li><strong>Monitor expenses</strong></li> </ol> <p>Don’t let ballooning expenses wipe out any tax cut gains. </p> <p>Avoid pre-spending those gains too. The additional income is spaced out over each pay; it’s not a lump sum you can blow on a spending spree.</p> <ol start="5"> <li><strong>Automatic redirects</strong></li> </ol> <p>Consider setting up an automated redirect of the difference in your pay as soon as it hits your account. </p> <p>The money could be diverted into a high-interest savings account or used to top up your emergency fund.</p> <ol start="6"> <li><strong>Super contributions</strong></li> </ol> <p>Tax cut cash can be used in combination with super contribution rules to supercharge retirement earnings.</p> <p>Low income earners may be eligible for <a href="https://www.ato.gov.au/individuals-and-families/super-for-individuals-and-families/super/growing-and-keeping-track-of-your-super/how-to-save-more-in-your-super/government-super-contributions/super-co-contribution">government co-contributions</a> while <a href="https://www.ato.gov.au/individuals-and-families/super-for-individuals-and-families/super/growing-and-keeping-track-of-your-super/how-to-save-more-in-your-super/spouse-super-contributions">spouse contributions</a> can offer further tax benefits.</p> <p>This may be particularly useful for anyone <a href="https://www.ato.gov.au/individuals-and-families/super-for-individuals-and-families/super/growing-and-keeping-track-of-your-super/caps-limits-and-tax-on-super-contributions/concessional-contributions-cap#ato-Carryforwardunusedcontributioncapamounts">trying to catch-up</a> after time out of the workforce (e.g., raising kids or caring for relatives) or repaying <a href="https://www.ato.gov.au/about-ato/research-and-statistics/in-detail/super-statistics/early-release/covid-19-early-release-of-super">early withdrawals during COVID</a>. </p> <ol start="7"> <li><strong>Pay down debt</strong></li> </ol> <p>Every extra dollar spent paying off debt will save on future interest and clear it faster. </p> <p>Prioritise higher interest debts (like credit cards). Consider consolidating multiple debts into one with a lower rate (e.g., your mortgage) to reduce total interest and simplify repayments.</p> <ol start="8"> <li><strong>Invest in yourself</strong></li> </ol> <p>The old saying goes “you’ve got to spend money to make money”. Nowhere are the returns typically better than from self improvement.</p> <p>That could be undertaking new qualifications or additional training, enabling you to secure pay rises or transition to a higher-paying industry.</p> <p>Or it may be investing in your health and wellbeing, to reduce medical expenses, improve job prospects and productivity, and enhance your decision-making abilities (including about money matters).</p> <ol start="9"> <li><strong>Lodge returns promptly</strong></li> </ol> <p>This applies to every tax year: the sooner you lodge your tax return, the sooner you access your tax refund.</p> <p>Even if you’re facing a tax bill, getting it done sooner means less interest accruing and no late payment penalties.</p> <ol start="10"> <li><strong>Revisit strategies</strong></li> </ol> <p>While making changes to incorporate these tax cuts, take the opportunity to re-evaluate your overall finances. </p> <p>Revisit investment strategies to ensure they are delivering optimal returns. Check superannuation thresholds and performance. Scrutinise total tax liabilities (for instance, lower tax rates may mean you won’t qualify for the same level of tax deductions). Make updates where necessary.</p> <p>Keeping on top of your finances will mean better bang for your buck now while streamlining your affairs in future years.</p> <p><em><strong>Helen Baker is a licensed Australian financial adviser and author of On Your Own Two Feet: The Essential Guide to Financial Independence for all Women. Helen is among the 1% of financial planners who hold a master’s degree in the field. Proceeds from book sales are donated to charities supporting disadvantaged women and children. Find out more at <a href="http://www.onyourowntwofeet.com.au/">www.onyourowntwofeet.com.au</a></strong></em></p> <p><em><strong>Disclaimer: The information in this article is of a general nature only and does not constitute personal financial or product advice. Any opinions or views expressed are those of the authors and do not represent those of people, institutions or organisations the owner may be associated with in a professional or personal capacity unless explicitly stated. Helen Baker is an authorised representative of BPW Partners Pty Ltd AFSL 548754.</strong></em></p> <p><em>Image credits: Shutterstock </em></p>

Money & Banking

Hilarious moment unassuming Aussie unknowingly interviews award-winning director

<p>An Aussie TikToker has been left red-faced after unknowingly interviewing a legend of the Australian movie industry. </p> <p>Georgia Godworth took to the streets of the Sydney inner west suburb of Newtown to ask members of the public for relationship advice. </p> <p>Ms Godworth began asking a man in a green leather jacket some questions about relationships, oblivious as to who she was speaking to.</p> <p>Turns out that man was award-winning director Baz Luhrmann.</p> <p>She captioned the clip, which was posted to TikTok, “no idea this was Baz Luhrmann”.</p> <p>In true director style, the video begins with Luhrmann instructing the social media star and her camera operator where to stand in order to get the best lighting for the clip. </p> <blockquote class="instagram-media" style="background: #FFF; border: 0; border-radius: 3px; box-shadow: 0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width: 540px; min-width: 326px; padding: 0; width: calc(100% - 2px);" data-instgrm-captioned="" data-instgrm-permalink="https://www.instagram.com/reel/C7lt6nypOLK/?utm_source=ig_embed&utm_campaign=loading" data-instgrm-version="14"> <div style="padding: 16px;"> <div style="display: flex; flex-direction: row; align-items: center;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 40px; margin-right: 14px; width: 40px;"> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 100px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 60px;"> </div> </div> </div> <div style="padding: 19% 0;"> </div> <div style="display: block; height: 50px; margin: 0 auto 12px; width: 50px;"> </div> <div style="padding-top: 8px;"> <div style="color: #3897f0; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: 550; line-height: 18px;">View this post on Instagram</div> </div> <div style="padding: 12.5% 0;"> </div> <div style="display: flex; flex-direction: row; margin-bottom: 14px; align-items: center;"> <div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(0px) translateY(7px);"> </div> <div style="background-color: #f4f4f4; height: 12.5px; transform: rotate(-45deg) translateX(3px) translateY(1px); width: 12.5px; flex-grow: 0; margin-right: 14px; margin-left: 2px;"> </div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(9px) translateY(-18px);"> </div> </div> <div style="margin-left: 8px;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 20px; width: 20px;"> </div> <div style="width: 0; height: 0; border-top: 2px solid transparent; border-left: 6px solid #f4f4f4; border-bottom: 2px solid transparent; transform: translateX(16px) translateY(-4px) rotate(30deg);"> </div> </div> <div style="margin-left: auto;"> <div style="width: 0px; border-top: 8px solid #F4F4F4; border-right: 8px solid transparent; transform: translateY(16px);"> </div> <div style="background-color: #f4f4f4; flex-grow: 0; height: 12px; width: 16px; transform: translateY(-4px);"> </div> <div style="width: 0; height: 0; border-top: 8px solid #F4F4F4; border-left: 8px solid transparent; transform: translateY(-4px) translateX(8px);"> </div> </div> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center; margin-bottom: 24px;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 224px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 144px;"> </div> </div> <p style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; line-height: 17px; margin-bottom: 0; margin-top: 8px; overflow: hidden; padding: 8px 0 7px; text-align: center; text-overflow: ellipsis; white-space: nowrap;"><a style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: normal; line-height: 17px; text-decoration: none;" href="https://www.instagram.com/reel/C7lt6nypOLK/?utm_source=ig_embed&utm_campaign=loading" target="_blank" rel="noopener">A post shared by Georgia Godworth (@god_worthy)</a></p> </div> </blockquote> <p>Mr Luhrmann seemed to take it all on the chin and enjoyed the unorthodox interview, sharing wisdom and insight into his own approach to marriage with his wife, Oscar-winning costume and production designer Catherine Martin.</p> <p>“During that journey of marriage, the person I’m married to and I found our own really genuine and authentic concept of what our contract to each other should be,” Mr Luhrmann said.</p> <p>“But I think more importantly, marriage is not so much about what exists between you and another person, it’s about advertising to other people that you love and care as to what the dealio is." </p> <p>“My own general philosophy is, if you care about someone and they’re your friend, but they fall in love with someone else or they like someone, there has to be some degree of acceptance.”</p> <p>At the end of the interview, Mr Luhrmann told Ms Godworth that he usually doesn’t “do interviews”, saying, “But you know what? Happy to be a part of yours.” </p> <p>Despite the light-hearted nature of the interview, people were quick to drag Ms Godworth for not recognising the famous director. </p> <p>“I feel like you shouldn’t work in media if you don’t know who Baz Luhrmann is. An insult to this genius,” one person wrote.</p> <p>“Please tell me you’re joking and you absolutely knew who this was,” wrote another. “This is really embarrassing for you."</p> <p>Others came to her defence and even found the situation humorous, with one person commenting, “Walking down the street and bumping into Baz Luhrmann is so Australian.”</p> <p>“This is SUCH a wild encounter!" another wrote. </p> <p><em>Image credits: TikTok </em></p>

Movies

Millions of phones at risk of being cut off from calling triple-0

<p>Over a million Aussies may be unable to contact triple-0 as two major telcos cut their 3G networks. </p> <p>Telstra's network will be closed on June 30 this year followed by Optus, which will shut their 3G network in September.</p> <p>While most late model phones are now serviced by either 4G or 5G networks, there are many devices that still rely on 3G. </p> <p>Approximately 113,000 Telstra customers have not upgraded their 3G handsets, while Optus have not disclosed a figure.</p> <p>The greater concerns lie for older 4G-enabled handsets that may not be able to call triple-0 once the 3G networks are switched off, because of the way those phones are configured.</p> <p>In March, Communications Minister Michelle Rowland was informed that 740,000 Australians were in that category. </p> <p>A month later, that figure was revised to over a million. </p> <p>"I welcome the industry’s first report to government but am concerned around their disclosure of around one million potentially impacted consumers,” the minister said. </p> <p>“I am considering the detail provided and next steps, and the government will have more to say about the 3G switchover soon.”</p> <p>She also said that they were open to delaying the switchover "if warranted in the public interest”.</p> <p>“Options exist under law for the government to consider proposals to delay the planned switchover, subject to consultation and procedural processes,” she said.</p> <p>Telstra has informed customers about what to do if they are affected, and how they could check. </p> <p>“If your mobile device doesn’t have Voice over LTE (VoLTE) technology, even if it uses 4G data, it will not be able to make voice calls on our network after 30 June 2024,” they informed their customers. </p> <p>“Not all VoLTE enabled devices support emergency VoLTE calling, meaning they will not be able to make an emergency call to triple-0 once 3G closes." </p> <p>“Without taking the recommended action you won’t be able to connect to a network after 30 June 2024,” they warned. </p> <p>Customers who are worried that they might be impacted, are encouraged to text 3 to the number 3498, so that the telco can inform the customer on their connection status.</p> <p>Optus have also encouraged customers to contact them if they think they may be affected. </p> <p><em>Image: Getty</em></p>

Legal

10 million animals die on our roads each year. Here’s what works (and what doesn’t) to cut the toll

<p><em><a href="https://theconversation.com/profiles/graeme-coulson-1378778">Graeme Coulson</a>, <a href="https://theconversation.com/institutions/the-university-of-melbourne-722">The University of Melbourne</a> and <a href="https://theconversation.com/profiles/helena-bender-98800">Helena Bender</a>, <a href="https://theconversation.com/institutions/the-university-of-melbourne-722">The University of Melbourne</a></em></p> <p>There’s almost no warning. A dark shape appears on the side of the road, then you feel a jolt as something goes under the car. Or worse, the shape rears up, hits the front of your vehicle, then slams into the windscreen. You have just experienced a wildlife-vehicle collision.</p> <p>This gruesome scene plays out <a href="https://www.bbcearth.com/news/australias-road-kill-map">every night across Australia</a>. When these collisions happen, many animals become instant roadkill. An <a href="https://ses.library.usyd.edu.au/bitstream/handle/2123/23121/Thesis%20updated%20for%20library%20submission.pdf?sequence=1">estimated 10 million</a> native mammals, reptiles, birds and other species are killed each year.</p> <p>Others are injured and die away from the road. Some survive with <a href="https://theconversation.com/10-million-animals-are-hit-on-our-roads-each-year-heres-how-you-can-help-them-and-steer-clear-of-them-these-holidays-149733">terrible injuries and have to be euthanised</a>. The lucky ones might <a href="https://kb.rspca.org.au/knowledge-base/who-should-i-contact-about-injured-wildlife/">be rescued</a> by groups such as <a href="https://wildliferescue.net.au/">Wildlife Rescue</a>, <a href="https://www.wildlifevictoria.org.au/">Wildlife Victoria</a> and <a href="https://www.wires.org.au/">WIRES</a>.</p> <p>Wildlife-vehicle collisions also increase the risk to whole populations of some threatened species, such as <a href="https://doi.org/10.1071/WR17143">Lumholtz’s tree-kangaroo</a> on the Atherton Tablelands in Queensland.</p> <p>People are affected, too. Human <a href="https://doi.org/10.1111/1742-6723.13361">deaths and injuries</a> from these collisions are rising, with motorcyclists at greatest risk. Vehicle repairs are <a href="https://www.mynrma.com.au/-/media/wildlife-road-safety-report--final.pdf">inconvenient and costly</a>. Added to this is the distress for people when dealing with a dead or dying animal on the roadside.</p> <p>How can we reduce the wildlife toll on our roads? Many measures have been tried and proven largely ineffective. However, other evidence-based approaches can help avoid collisions.</p> <h2>Evidence for what works is limited</h2> <p>Many communities are worried about the growing impacts of wildlife-vehicle collisions and are desperate for solutions. Recent reports from <a href="https://www.diva-portal.org/smash/get/diva2:1822182/FULLTEXT01.pdf">Europe</a> and <a href="https://westerntransportationinstitute.org/wp-content/uploads/2021/12/4w7576_Huijser_etal_WVC_ConnectivityLiteratureReview_PooledFundStudyFinalReport_2021.pdf">North America</a> review the many methods to reduce such collisions.</p> <p>Do these findings apply to Australia’s unique fauna? Unfortunately, we don’t have a detailed analysis of options for our wildlife, but here’s what we know now.</p> <p>Well-designed fences keep wildlife off our highways but also fragment the landscape. Happily, animals will use crossing structures – overpasses and <a href="https://theconversation.com/good-news-highway-underpasses-for-wildlife-actually-work-187434">underpasses</a> – to get to food and mates on the other side of the road. Fences and crossings do work, but are regarded as too costly over Australia’s vast road network.</p> <p>As for standard wildlife warning signs, drivers <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC4494358/">ignore most of them</a> after a while, making them ineffective. Signs with graphic images and variable messages get <a href="https://doi.org/10.3390/ani3041142">more attention</a>, but we need road trials to assess their effect on drivers and collision rates.</p> <h2>Whistling in the dark</h2> <p>Some drivers install cheap, wind-driven, high-pitched wildlife whistles on their vehicles. Tests in the United States 20 years ago found humans and deer <a href="https://doi.org/10.1121/1.1582071">could not hear any whistling sound</a> above the road noise of the test vehicle. Yet these devices are still sold in Australia as kangaroo deterrents.</p> <p>The Shu-Roo, an Australian invention, is an active wildlife whistle. It is fitted to the bumper bar, producing a high-pitched electronic sound, which is claimed to scare wildlife away from the road. Sadly, <a href="https://rest.neptune-prod.its.unimelb.edu.au/server/api/core/bitstreams/3c3154e0-2f48-5b73-a6cd-a7423c2a75ee/content">our tests</a> show the Shu-Roo signal can’t be heard above road noise 50 metres away and has no effect on captive kangaroo behaviour.</p> <p>We also recruited fleets of trucks, buses, vans, utes and cars to field test the Shu-Roo. Nearly 100 vehicles covered more than 4 million kilometres across Australia over 15,500 days. The drivers reported just over one wildlife-vehicle collision per 100,000km travelled, but <a href="https://doi.org/10.7882/AZ.2021.042">there was no difference in the rate</a> for vehicles fitted with a Shu-Roo versus those without one.</p> <p>The virtual fence is the latest attempt to reduce wildlife-vehicle collisions. It uses a line of posts spaced along the roadside, each with a unit producing loud sounds and flashing lights aimed away from the road. Vehicle headlights activate the units, which are claimed to alert animals and reduce the risk of collision.</p> <p>Early results from Tasmania were encouraging. A 50% drop in possum and wallaby deaths was reported, but <a href="https://doi.org/10.1071/AM19009">this trial had many design flaws</a>. Recent trials in <a href="https://www.mdpi.com/2076-2615/9/10/752">Tasmania</a>, <a href="https://www.mdpi.com/2076-2615/12/10/1323">New South Wales</a> and <a href="https://www.redland.qld.gov.au/downloads/download/292/virtual_fence_to_reduce_vehicle_collisions_with_wallabies_on_heinemann_rd_-_final_report_2020">Queensland</a> show no effect of virtual fencing on collisions with possums, wallabies or wombats.</p> <p>Our concern is that this system is being <a href="https://www.abc.net.au/news/2020-06-02/wildlife-fence-trial-underway-in-queensland-and-phillip-island/12268110">rolled out</a> in <a href="https://www.townsville.qld.gov.au/about-council/news-and-publications/media-releases/2023/june/councils-innovative-trial-helping-keep-local-wildlife-safe">many</a> <a href="https://www.abc.net.au/news/2022-10-26/nsw-south-coast-council-first-virtual-fence-to-protect-wildlife/101571600">parts</a> of <a href="https://www.theage.com.au/politics/victoria/the-stealth-tech-aiming-to-stop-roos-from-becoming-roadkill-20231222-p5etda.html">Australia</a>. It gives the impression of action to reduce collisions with wildlife, but without an evidence base, solid study design or adequate monitoring.</p> <h2>A very messy problem</h2> <p>The problem has many dimensions. We need to consider all of them to achieve safe travel for people and animals on our roads.</p> <p>At a landscape level, collision hotspots occur where wildlife frequently cross roads, which can help us predict the collision risk for species such as <a href="https://doi.org/10.1111/aec.13465">koalas</a>. But the risk differs between species. For example, <a href="https://doi.org/10.1016/j.gecco.2021.e01530">on Phillip Island</a> most wallaby collisions happen on rural roads, while most involving possums and birds are in urban streets.</p> <p>Traffic volume and speed are key factors for many species, including <a href="https://doi.org/10.1002/ece3.2306">kangaroos</a>.</p> <p>Driver training and experience are also important. In the Royal National Park in New South Wales, <a href="https://www.mdpi.com/2076-2615/6/6/40">half the drivers surveyed</a> had struck animals, including wallabies and deer. Yet most still <a href="https://theconversation.com/10-million-animals-are-hit-on-our-roads-each-year-heres-how-you-can-help-them-and-steer-clear-of-them-these-holidays-149733">weren’t keen</a> to slow down or avoid driving at dawn and dusk.</p> <p>Road design has a major influence on wildlife-vehicle collions too, but the planning process too often <a href="https://www.frontiersin.org/articles/10.3389/fenvs.2022.959918">neglects wildlife studies</a>.</p> <p>Smarter cars are <a href="https://www.diva-portal.org/smash/get/diva2:1822182/FULLTEXT01.pdf">being developed</a>. One day these will use AI to spot animal hazards, apply automatic emergency braking and alert other drivers of real-time risk.</p> <p>To explore potential technological solutions, Transport for NSW is running a <a href="https://www.eianz.org/events/event/symposium-using-technology-to-reduce-wildlife-vehicle-collisions">symposium</a> at the University of Technology Sydney on May 21. The symposium will cover wildlife ecology and the evidence base for options to reduce wildlife-vehicle collisions in Australia.</p> <hr /> <p><em>If you see an injured animal on the road, call <a href="https://www.wildliferescue.net.au/">Wildlife Rescue Australia</a> on 1300 596 457. for specific state and territory numbers, go to the <a href="https://kb.rspca.org.au/knowledge-base/who-should-i-contact-about-injured-wildlife/">RSPCA injured wildlife site</a>.</em><img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/222367/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /></p> <p><a href="https://theconversation.com/profiles/graeme-coulson-1378778"><em>Graeme Coulson</em></a><em>, Honorary Principal Fellow, School of BioSciences, <a href="https://theconversation.com/institutions/the-university-of-melbourne-722">The University of Melbourne</a> and <a href="https://theconversation.com/profiles/helena-bender-98800">Helena Bender</a>, Senior Lecturer, Environmental Social Sciences, <a href="https://theconversation.com/institutions/the-university-of-melbourne-722">The University of Melbourne</a></em></p> <p><em>Image credits: Getty Images </em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/10-million-animals-die-on-our-roads-each-year-heres-what-works-and-what-doesnt-to-cut-the-toll-222367">original article</a>.</em></p>

Domestic Travel

Stage 3 stacks up: the rejigged tax cuts help fight bracket creep and boost middle and upper-middle households

<p><em><a href="https://theconversation.com/profiles/ben-phillips-98866">Ben Phillips</a>, <a href="https://theconversation.com/institutions/australian-national-university-877">Australian National University</a></em></p> <p>The winners and losers from the Albanese government’s <a href="https://treasury.gov.au/sites/default/files/2024-01/tax-cuts-government-fact-sheet.pdf">rejig</a> of this year’s Stage 3 tax cuts have already been well documented.</p> <p>From July 1 every taxpayer will get a tax cut. Most, the 11 million taxpayers earning up to A$146,486, will also pay less tax than they would have under the earlier version of Stage 3, some getting a tax cut <a href="https://theconversation.com/albanese-tax-plan-will-give-average-earner-1500-tax-cut-more-than-double-morrisons-stage-3-221875">twice as big</a>.</p> <p>A much smaller number, 1.8 million, will get a smaller tax cut than they would have under the original scheme, although their cuts will still be big. The highest earners will get cuts of $4,529 instead of $9,075.</p> <p>But many of us live in households where income is shared and many households don’t pay tax because the people in them don’t earn enough or are on benefits.</p> <p>The Australian National University’s <a href="https://csrm.cass.anu.edu.au/research/policymod">PolicyMod</a> model is able to work out the impacts at the household level, including the impact on households in which members are on benefits or don’t earn enough to pay tax.</p> <h2>More winners than losers in every broad income group</h2> <p>We’ve divided Australian households into five equal-size groups ranked by income, from lowest to lower-middle to middle to upper-middle to high.</p> <p>Our modelling finds that, just as is the case for individuals, many more households will be better off with the changes to Stage 3 than would have been better off with Stage 3 as it was, although the difference isn’t as extreme.</p> <p>Overall, 58% of households will be better off with the reworked Stage 3 than they would have under the original and 11% will be worse off.</p> <p>Importantly, there remain 31% who will be neither better off nor worse off, because they don’t pay personal income tax.</p> <hr /> <p><iframe id="0CWXE" class="tc-infographic-datawrapper" style="border: none;" src="https://datawrapper.dwcdn.net/0CWXE/4/" width="100%" height="400px" frameborder="0"></iframe></p> <hr /> <p>But it is different for different types of households.</p> <p>In the lowest-earning fifth of households, far more are better off (13.5%) than worse off (0.2%) with the overwhelming bulk neither better nor worse off (86.3%).</p> <hr /> <p><iframe id="KC5zy" class="tc-infographic-datawrapper" style="border: none;" src="https://datawrapper.dwcdn.net/KC5zy/3/" width="100%" height="400px" frameborder="0"></iframe></p> <hr /> <p>In the highest-earning fifth of households, while more than half are better off (54.4%), a very substantial proportion are worse off (42.3%).</p> <p>Very few (only 3.1%) are neither better nor worse off.</p> <hr /> <p><iframe id="WSkSL" class="tc-infographic-datawrapper" style="border: none;" src="https://datawrapper.dwcdn.net/WSkSL/3/" width="100%" height="400px" frameborder="0"></iframe></p> <hr /> <h2>But high-earning households go backwards on average</h2> <p>In dollar terms, the top-earning fifth of households loses money while every group gains. That’s because although there are more winners than losers among the highest-earning fifth of households, the losers lose more money.</p> <p>The biggest dollar gains go to middle and upper-middle income households with middle-income households ahead, on average, by $988 per year and upper-middle income households by $1,102. The highest-income households are worse off by an average of $837 per year.</p> <p>As a percentage of income, middle-income households gain the most with a 1% increase in disposable income. Lowest income households gain very little, while the highest-income households go backwards by 0.3%.</p> <hr /> <p><iframe id="kAPmC" class="tc-infographic-datawrapper" style="border: none;" src="https://datawrapper.dwcdn.net/kAPmC/3/" width="100%" height="400px" frameborder="0"></iframe></p> <hr /> <h2>The rejig does a better job of fighting bracket creep</h2> <p>And we’ve found something else.</p> <p>The original version of the Stage 3 tax cuts was advertised as a measure to overcome <a href="https://theconversation.com/the-2-main-arguments-against-redesigning-the-stage-3-tax-cuts-are-wrong-heres-why-221975">bracket creep</a>, which is what happens when a greater proportion of taxpayers’ income gets pushed into higher tax brackets as incomes climb.</p> <p>We have found it wouldn’t have done it for most of the income groups, leaving all but the highest-earning group paying more tax after the change in mid-2024 than it used to in 2018.</p> <p>The rejigged version of Stage 3 should compensate for bracket creep better, leaving the top two groups paying less than they did in 2018 and compensating the bottom three better than the original Stage 3.</p> <hr /> <p><iframe id="YG0cT" class="tc-infographic-datawrapper" style="border: none;" src="https://datawrapper.dwcdn.net/YG0cT/1/" width="100%" height="400px" frameborder="0"></iframe></p> <hr /> <p>Not too much should be made of the increase in tax rates in the lowest income group between 2018 ad 2024 because some of it reflects stronger income growth.</p> <p>We find that overall, the redesigned Stage 3 does a better job of offsetting bracket creep than the original. It is also better targeted to middle and upper-middle income households.</p> <p>Having said that, the average benefit in dollar terms isn’t big. At about $1,000 per year for middle and upper-middle income households and costing the budget about what the original Stage 3 tax cuts would have cost, its inflationary impact compared to the original looks modest.<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/221851/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /></p> <p><a href="https://theconversation.com/profiles/ben-phillips-98866"><em>Ben Phillips</em></a><em>, Associate Professor, Centre for Social Research and Methods, Director, Centre for Economic Policy Research (CEPR), <a href="https://theconversation.com/institutions/australian-national-university-877">Australian National University</a></em></p> <p><em>Image credits: Shutterstock</em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/stage-3-stacks-up-the-rejigged-tax-cuts-help-fight-bracket-creep-and-boost-middle-and-upper-middle-households-221851">original article</a>.</em></p>

Money & Banking

Major supermarket director slams "woke" rivals' Australia Day boycott

<p>John-Paul Drake, director of family-owned Drakes Supermarkets, has slammed rival supermarkets for moving away from stocking Australia Day merchandise. </p> <p>The fiery rant posted on social media came after the independent grocery retailer, which has 66 stores across South Australia and Queensland, shared their latest catalogue promoting Australia Day. </p> <p>The supermarket director said that his objection to “wokeworths” was about “choice”.</p> <p>“Whether you choose to celebrate Australia Day or not is totally up to you,” he wrote. </p> <p>“As a retailer, it’s my responsibility to let my customers choose if a product is suitable for them.</p> <p>“Just because you’re lactose-intolerant, does that mean I shouldn’t sell dairy products in store? How would you feel if I told you I didn’t like chocolate so we’ll no longer be selling it?</p> <p>“I agree that there is a broader discussion to be had around the date we celebrate our country," he added. </p> <p>“But until that date is changed, I will choose to gather with my friends and family and celebrate how bloody lucky we are that we live in a country where we can choose to have these kinds of debates.”</p> <p>He added that he understands some "may not agree with me, and that's ok." </p> <p>“Some of you may choose to boycott our stores – and I respect your right to choose where you spend your money,” he wrote. </p> <p>“I do ask, however, that you respect my team if you do enter our stores. They do not deserve to cop abuse for my values.”</p> <blockquote class="instagram-media" style="background: #FFF; border: 0; border-radius: 3px; box-shadow: 0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width: 540px; min-width: 326px; padding: 0; width: calc(100% - 2px);" data-instgrm-captioned="" data-instgrm-permalink="https://www.instagram.com/p/C2Q56xUvOVW/?utm_source=ig_embed&utm_campaign=loading" data-instgrm-version="14"> <div style="padding: 16px;"> <div style="display: flex; flex-direction: row; align-items: center;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 40px; margin-right: 14px; width: 40px;"> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 100px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 60px;"> </div> </div> </div> <div style="padding: 19% 0;"> </div> <div style="display: block; height: 50px; margin: 0 auto 12px; width: 50px;"> </div> <div style="padding-top: 8px;"> <div style="color: #3897f0; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: 550; line-height: 18px;">View this post on Instagram</div> </div> <div style="padding: 12.5% 0;"> </div> <div style="display: flex; flex-direction: row; margin-bottom: 14px; align-items: center;"> <div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(0px) translateY(7px);"> </div> <div style="background-color: #f4f4f4; height: 12.5px; transform: rotate(-45deg) translateX(3px) translateY(1px); width: 12.5px; flex-grow: 0; margin-right: 14px; margin-left: 2px;"> </div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(9px) translateY(-18px);"> </div> </div> <div style="margin-left: 8px;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 20px; width: 20px;"> </div> <div style="width: 0; height: 0; border-top: 2px solid transparent; border-left: 6px solid #f4f4f4; border-bottom: 2px solid transparent; transform: translateX(16px) translateY(-4px) rotate(30deg);"> </div> </div> <div style="margin-left: auto;"> <div style="width: 0px; border-top: 8px solid #F4F4F4; border-right: 8px solid transparent; transform: translateY(16px);"> </div> <div style="background-color: #f4f4f4; flex-grow: 0; height: 12px; width: 16px; transform: translateY(-4px);"> </div> <div style="width: 0; height: 0; border-top: 8px solid #F4F4F4; border-left: 8px solid transparent; transform: translateY(-4px) translateX(8px);"> </div> </div> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center; margin-bottom: 24px;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 224px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 144px;"> </div> </div> <p style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; line-height: 17px; margin-bottom: 0; margin-top: 8px; overflow: hidden; padding: 8px 0 7px; text-align: center; text-overflow: ellipsis; white-space: nowrap;"><a style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: normal; line-height: 17px; text-decoration: none;" href="https://www.instagram.com/p/C2Q56xUvOVW/?utm_source=ig_embed&utm_campaign=loading" target="_blank" rel="noopener">A post shared by jp drake (@shake.and.drake)</a></p> </div> </blockquote> <p>This comes after <a href="https://www.oversixty.com.au/finance/money-banking/woolworths-under-fire-for-dropping-australia-day-merch" target="_blank" rel="noopener">Woolworths</a> confirmed that it would no longer be selling Australia day merchandise last week, with Big W and Aldi following suit.</p> <p>Opposition Leader Peter Dutton was quick to call for a <a href="https://www.oversixty.com.au/news/news/peter-dutton-calls-for-woolworths-boycott" target="_blank" rel="noopener">boycott</a> against the supermarket giant, for their "woke agenda".</p> <p>Coles, on the other hand, confirmed that they will continue to sell a small-range of Australia Day themed products for those who wish to celebrate the day. </p> <p><em>Images: Instagram/ Facebook</em></p> <p> </p>

Legal

$280 million lotto winner cuts ties with "greedy" family

<p>Scotland resident Gillian Bayford went from rags to riches in an instant when she won the equivalent of a $278.36 million jackpot in August 2012. </p> <p>Thinking luck was finally on her side, Bayford didn't expect the amount of drama that came with the life-changing prize. </p> <p>It all began just 15 months after her lucky win with then-husband Adrian, who she split with allegedly due to the stress of managing the jackpot. </p> <p>Not long after, she spent $1,324,304 to pay off her family's debt, which included money that her late father Ian McCulloch and her brother Colin owed over a series of failed business ventures according to <a href="https://www.businessinsider.com/woman-won-187m-lottery-severed-ties-greedy-family-2023-12" target="_blank" rel="noopener"><em>Business Insider</em></a>. </p> <p>“My dad and brother built up one company after another and then closed them down,” Bayford said. </p> <p>“I’ve bailed them out of every debt.”</p> <p>She continued to keep her family financially afloat spending a total of $37.31 million on them, and even bought her parents - who were broke and living in a caravan at the time - a $522,388 penthouse apartment in eastern Scotland. </p> <p>But, according to the <em>Mirror</em>, that wasn't enough and her father insisted that she should give her brother around $1.5 million, for a new play-centre business. </p> <p>She obliged, and instead of thanking her, Colin now drives Audis with private plates, owns a $546,000 house and reportedly stopped talking to his sister. He even got married to his girlfriend without inviting Bayford to the wedding. </p> <p>“They have lost touch with where they’ve come from,” Bayford told <em>The Sun</em>.</p> <p>“They’re rubbing people’s noses in it by flashing their cash, which I think is downright nasty.”</p> <p>At one point her father even tried to take control of her winnings and even take a piece of her business. </p> <p>“It’s upsetting and raw,” she told the publication. </p> <p>“The money was supposed to make everybody happy. But it’s made them demanding and greedy.” </p> <p>She added, "they brought our name into disrespect in the village, and we had people threatening to torch the family house.”</p> <p>Bayford said that despite it all she takes pride in herself "because I know I’ve taken them out of a situation.”</p> <p>The lotto winner officially cut ties with her family in 2016 after they called her an embarrassment, while her mum Brenda McCulloch claims she’s heartbroken over the lack of contact with her daughter and grandchildren.</p> <p>“Gillian says that we didn’t try and get in touch with them, but if I’d tried she wouldn’t have let me,” she said. </p> <p>Her mum also claimed that while her daughter was “generous,” the actual amount she gave her family was much lower. </p> <p>“Every word that comes out of their mouths is a lie. I wish them a happy life, but there will be no reconciliation now," Bayford refuted. </p> <p><em>Image: Getty</em></p> <p> </p>

Money & Banking

"I'm officially cutting ties": Sunrise star quits media for glittering new career

<p>Former <em>Weekend Sunrise</em> TV presenter Talitha Cummins is embarking on a new chapter in her life, bidding farewell to her 20-year-long media career.</p> <p>Cummins, widely recognised for her role as a newsreader on <em>Weekend Sunrise</em> and more recently as a newsreader on Triple M Sydney, recently shared on social media her decision to step away from the media industry. Her departure is driven by her passion for a new venture in the world of jewellery.</p> <p>In a heartfelt Instagram post, the 43-year-old former journalist reflected on her two decades in journalism and television while also announcing her exciting shift toward launching her own diamond and jewellery business:</p> <p>"It’s a big day for me today," she wrote. "I’m officially cutting ties with a 20 year career in journalism/television + media consulting and launching my business in diamond and jewellery creating.</p> <p>"It’s a big shift, but the move to launching my own business has given me an energy and drive like never before.</p> <p>"Our family has been creating diamond jewellery for 50 years and I’ve joined forces with my uncle Craig and cousin Kara to create @thecutjewellery - Bespoke diamond ring and fine jewellery using lab diamonds - all crafted by our team of jewellers in Sydney....</p> <p>"I’m excited to be a part of what’s proving to be the biggest disruptor to the jewellery industry."</p> <p>Cummins gained widespread acclaim as a member of Seven's <em>Weekend Sunrise</em> team in 2014, where she assumed the role of newsreader following Jessica Rowe's departure. However, her journey took an unexpected turn in early 2017 during her maternity leave with her first child, Oliver. She received a call from Seven News chief Craig McPherson, who informed her that her contract as a newsreader on the show had been terminated.</p> <p>This abrupt decision was met with astonishment and disappointment, especially as Cummins had anticipated resuming her role on the popular weekend breakfast show. Instead, she was offered a weekday 5am time slot, leaving her feeling blindsided by the sudden change.</p> <p>The timing of this development was particularly challenging for Cummins, as she was gearing up to promote her episode on <em>Australian Story</em>, aired on ABC, in which she candidly shared her personal battle with alcoholism and her remarkable four-year journey to sobriety.</p> <p>Cummins contested her dismissal, asserting that it had been unjust. In a mere four months, the Seven network and Cummins reached a confidential settlement, putting an end to the legal dispute.</p> <p>Cummins' departure from the media world marks the beginning of a new and exciting chapter in her life as she immerses herself in the world of diamonds and jewellery, following in her family's tradition and pursuing her passion.</p> <p><em>Images: Instagram</em></p>

Does private health insurance cut public hospital waiting lists? We found it barely makes a dent

<p><em><a href="https://theconversation.com/profiles/yuting-zhang-1144393">Yuting Zhang</a>, <a href="https://theconversation.com/institutions/the-university-of-melbourne-722">The University of Melbourne</a>; <a href="https://theconversation.com/profiles/jongsay-yong-10803">Jongsay Yong</a>, <a href="https://theconversation.com/institutions/the-university-of-melbourne-722">The University of Melbourne</a>, and <a href="https://theconversation.com/profiles/ou-yang-937801">Ou Yang</a>, <a href="https://theconversation.com/institutions/the-university-of-melbourne-722">The University of Melbourne</a></em></p> <p>The more people take up private health insurance, the <a href="https://www.aph.gov.au/parliamentary_business/committees/senate/community_affairs/completed_inquiries/1999-02/pubhosp/report/c05">less pressure</a> on the public hospital system, including <a href="https://www.privatehealthcareaustralia.org.au/australians-sign-up-to-private-health-insurance-in-record-numbers-to-avoid-hospital-waiting-lists/#:%7E:text=%22Private%20health%20insurance%20is%20the,and%20keep%20pressure%20off%20premiums.">shorter waiting lists</a> for surgery. That’s one of the key messages we’ve been hearing from government and the private health insurance industry in recent years.</p> <p>Governments <a href="https://www.privatehealth.gov.au/health_insurance/surcharges_incentives/index.htm">encourage us</a> to buy private hospital cover. They tempt us with carrots – for instance, with subsidised <a href="https://www.ato.gov.au/Individuals/Medicare-and-private-health-insurance/Private-health-insurance-rebate/">premiums</a>. With higher-income earners, the government uses sticks – buy private cover or pay the <a href="https://www.ato.gov.au/Individuals/Medicare-and-private-health-insurance/Medicare-levy-surcharge/">Medicare Levy Surcharge</a>. These are just some of the <a href="https://www.health.gov.au/ministers/the-hon-greg-hunt-mp/media/delivering-australias-lowest-private-health-insurance-premium-change-in-21-years#:%7E:text=Home-,Delivering%20Australia's%20lowest%20private%20health%20insurance%20premium%20change%20in%2021,be%202.70%20percent%20in%202022">billion-dollar strategies</a> aimed to shift more of us who can afford it into the private system.</p> <p>But what if private health insurance doesn’t have any meaningful impact on public hospital waiting lists after all?</p> <p>That’s what we found in our <a href="https://melbourneinstitute.unimelb.edu.au/publications/working-papers/search/result?paper=4721936">recent research</a>. Our analysis suggests if an extra 65,000 people buy private health insurance, public hospital waiting lists barely shift from the average 69 days. Waiting lists are an average just eight hours shorter.</p> <p>In other words, we’ve used hospital admission and waiting-list data to show private health insurance doesn’t make much difference.</p> <h2>What we did</h2> <p>Our <a href="https://melbourneinstitute.unimelb.edu.au/publications/working-papers/search/result?paper=4721936">work</a> looked at data from 2014-2018 on hospital admissions and waiting lists for elective surgery in Victoria.</p> <p>The data covered all Victorians who were admitted as an inpatient in all hospitals in the state (both public and private) and those registered on the waiting list for elective surgeries in the state’s public hospitals.</p> <p>That included waiting times for surgeries where people are admitted to public hospitals (as an inpatient). We didn’t include people waiting to see specialist doctors as an outpatient.</p> <p>The data was linked at the patient level, meaning we could track what happened to individuals on the waiting list.</p> <p>We then examined the impact of more people buying private health insurance on waiting times for surgeries in the state’s public hospitals.</p> <p>We did this by looking at the uptake of private health insurance in different areas of Victoria, according to socioeconomic status. After adjusting for patient characteristics that may affect waiting times, these differences in insurance uptake allowed us to identify how this changed waiting times.</p> <h2>What we found</h2> <p>In our sample, on average <a href="https://melbourneinstitute.unimelb.edu.au/__data/assets/pdf_file/0005/4721936/wp2023n09.pdf">44% of people</a> in Victoria had private health insurance. This is close to the national average of <a href="https://www.apra.gov.au/private-health-insurance-annual-coverage-survey">45%</a>.</p> <p>We found that increasing the average private health insurance take-up from 44% to 45% in Victoria would reduce waiting times in public hospitals by an average 0.34 days (or about eight hours).</p> <p>This increase of one percentage point is equivalent to 65,000 more people in Victoria (based on <a href="https://www.abs.gov.au/AUSSTATS/abs@.nsf/Lookup/3101.0Main+Features1Jun%202018?OpenDocument">2018 population data</a>) taking up (and using) private health insurance.</p> <p>The effects vary slightly by surgical specialty. For instance, private health insurance made a bigger reduction to waiting times for knee replacements, than for cancer surgery, compared to the average. But again, the difference only came down to a few hours.</p> <p>Someone’s age also made a slight difference, but again by only a few hours compared to the average wait.</p> <p>Given the common situation facing public and private hospitals across all states and territories, and similar private health insurance take-up in many states, our findings are likely to apply outside Victoria.</p> <h2>Why doesn’t it reduce waiting lists?</h2> <p>While our research did not address this directly, there may be several reasons why private health insurance does not free up resources in the public system to reduce waiting lists:</p> <ul> <li> <p>people might buy health insurance and not use it, preferring to have free treatment in the public system rather than risk out-of-pocket costs in the private system</p> </li> <li> <p>specialists may not be willing to spend more time in the public system, instead <a href="https://onlinelibrary.wiley.com/doi/epdf/10.1111/1753-6405.12488">favouring working</a> in private hospitals</p> </li> <li> <p>there’s a growing need for public hospital services that may not be available in the private system, such as complex neurosurgery and some forms of cancer treatment.</p> </li> </ul> <h2>Why is this important?</h2> <p>Government <a href="https://www.privatehealth.gov.au/health_insurance/surcharges_incentives/index.htm">policies</a> designed to get more of us to buy private health insurance involve a significant sum of public spending.</p> <p>Each year, the Australian government spends about <a href="https://www.health.gov.au/ministers/the-hon-greg-hunt-mp/media/delivering-australias-lowest-private-health-insurance-premium-change-in-21-years#:%7E:text=Home-,Delivering%20Australia's%20lowest%20private%20health%20insurance%20premium%20change%20in%2021,be%202.70%20percent%20in%202022">$A6.7 billion</a> in private health insurance rebates to reduce premiums.</p> <p>In the 2020-21 financial year, Medicare combined with state and territory government expenditure provided almost <a href="https://www.aihw.gov.au/reports/hospitals/australias-hospitals-at-a-glance/contents/spending-on-hospitals">$6.1 billion</a> to fund services provided in private hospitals.</p> <p> </p> <p>There might be an argument for this public spending if the end result was to substantially take pressure off public hospitals and thereby reduce waiting times for treatment in public hospitals.</p> <p>But the considerable effort it takes to encourage more people to sign up for private health insurance, coupled with the small effect on waiting lists we’ve shown, means this strategy is neither practical nor effective.</p> <p>Given the substantial costs of subsidising private health insurance and private hospitals, public money might be better directed to public hospitals and primary care.</p> <p>In addition, people buying private health insurance can skip the waiting times for elective surgery to receive speedier care. These people are often <a href="https://melbourneinstitute.unimelb.edu.au/__data/assets/pdf_file/0005/4682822/wp2023n08.pdf">financially well off</a>, implying unequal access to health care.</p> <h2>What’s next?</h2> <p>The Australian government is currently <a href="https://consultations.health.gov.au/medical-benefits-division/consultation-on-phi-studies/">reviewing</a> private health insurance.</p> <p>So now is a good time for reforms to optimise the overall efficiency of the health-care system (both public and private) and improve population health while saving taxpayer money. We also need policies to ensure equitable access to care as a priority.</p> <p>When it comes to reducing hospital waiting lists, we’ve shown we cannot rely on increased rates of private health insurance coverage to do the heavy lifting.<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/211680/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /></p> <p><em><a href="https://theconversation.com/profiles/yuting-zhang-1144393">Yuting Zhang</a>, Professor of Health Economics, <a href="https://theconversation.com/institutions/the-university-of-melbourne-722">The University of Melbourne</a>; <a href="https://theconversation.com/profiles/jongsay-yong-10803">Jongsay Yong</a>, Associate Professor of Economics, <a href="https://theconversation.com/institutions/the-university-of-melbourne-722">The University of Melbourne</a>, and <a href="https://theconversation.com/profiles/ou-yang-937801">Ou Yang</a>, Senior Research Fellow, <a href="https://theconversation.com/institutions/the-university-of-melbourne-722">The University of Melbourne</a></em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/does-private-health-insurance-cut-public-hospital-waiting-lists-we-found-it-barely-makes-a-dent-211680">original article</a>.</em></p>

Money & Banking

How air travellers can cut their door-to-door emissions right now – by as much as 13% on the Sydney-Melbourne route

<p><em><a href="https://theconversation.com/profiles/rico-merkert-90253">Rico Merkert</a>, <a href="https://theconversation.com/institutions/university-of-sydney-841">University of Sydney</a> and <a href="https://theconversation.com/profiles/david-li-1460445">David Li</a>, <a href="https://theconversation.com/institutions/university-of-sydney-841">University of Sydney</a></em></p> <p>Our climate is changing, and airlines are under pressure to reduce emissions from air travel. For many of us, especially in Australia, flying is an essential form of transport, so how can we reduce its environmental impact? Getting to and from the airport is an overlooked aspect of air travel that offers an immediate way to cut total carbon emissions from the trip by a surprisingly large amount.</p> <p>Our newly published <a href="https://www.sciencedirect.com/science/article/pii/S1361920923002468">research</a> shows for an average economy passenger flying from Sydney to Melbourne, the carbon emissions from using a fossil-fuelled car to get to and from the airports make up a staggering 13.5% of the total door-to-door emissions. At a global scale, this number reaches 12.1% for long-haul flights and up to 22.8% for short-haul air journeys.</p> <p>For comparison, in the International Air Transport Association’s <a href="https://www.iata.org/en/programs/environment/roadmaps/">2050 net-zero emission roadmap</a>, 13% of global airline decarbonisation will come from electric and hydrogen propulsion. A further 65% is to come from mass adoption of sustainable aviation fuel. This is fuel produced from non-petroleum-based renewable sources such as some municipal solid waste, woody biomass, fats, greases and oils.</p> <p>Each of these big lifters requires a mammoth level of investment and technological breakthroughs, and comes with limitations and risks. Some solutions might make air travel prohibitively expensive. Airlines are moving mountains to decarbonise, but there are increasing concerns their net-zero plans might not stack up.</p> <p>In contrast, a 13.5% emission reduction on a Sydney-Melbourne door-to-door journey today may sound like a dream. Yet our research shows it’s easily achievable if travellers can be persuaded to change how they get to and from the airport.</p> <h2>So how can travellers be convinced to switch?</h2> <p><a href="https://www.cambridge.org/core/journals/agricultural-and-resource-economics-review/article/future-of-carbon-labeling-factors-to-consider/FDBC62244F2ACA29A7602886085B4A91">Research</a> has shown carbon “labelling” helps shift consumer behaviour towards greener choices. It’s a bit like how the nutrition label on the back of our cereal box helps us choose healthier options.</p> <p>For instance, when searching for a flight on online travel platform Skyscanner, all flight options are displayed with carbon emissions, so consumers can make a more informed choice.</p> <p>Two <a href="https://escholarship.org/uc/item/5n53672m">recent</a> <a href="https://journals.sagepub.com/doi/abs/10.1177/03611981211046924">studies</a> at the University of California, Davis, suggest showing consumers the emission outcomes of different gate-to-gate flight choices, such as aircraft types and transit stops, can prompt them to choose greener flights, reducing emissions by up to 3.8%.</p> <p>But air journeys don’t start or end at airports. They start at home and end at destinations, or vice versa. Our air-travel carbon emissions are divided into ground and air segments and counted as airport and airline emissions respectively. While airlines focus on gate-to-gate decarbonisation through future technologies, the door-to-door emissions produced by travel to and from airports can be reduced immediately.</p> <p>Let’s look at an example of a Sydney-to-Melbourne trip. Say you travel from North Sydney to Sydney Airport by car, then fly to Melbourne Airport and catch a taxi to the city centre. That trip emits 82 kilograms of CO₂ door-to-door. But if you use a train, bus or electric vehicle (charged from a renewable source) to travel to and from the airport, the emissions from your trip drop to 71kg: a 13.5% fall door-to-door.</p> <p>Although travel platforms are increasingly communicating gate-to-gate emissions to consumers, we’re not aware of any that are including door-to-door emissions. Helping climate-conscious consumers understand the door-to-door carbon impact of airport ground connections could drive them to choose greener options such as public transport and electric vehicles.</p> <figure class="align-center zoomable"><a href="https://images.theconversation.com/files/541364/original/file-20230807-15-mp3dlr.png?ixlib=rb-1.1.0&q=45&auto=format&w=1000&fit=clip"><img src="https://images.theconversation.com/files/541364/original/file-20230807-15-mp3dlr.png?ixlib=rb-1.1.0&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/541364/original/file-20230807-15-mp3dlr.png?ixlib=rb-1.1.0&q=45&auto=format&w=600&h=464&fit=crop&dpr=1 600w, https://images.theconversation.com/files/541364/original/file-20230807-15-mp3dlr.png?ixlib=rb-1.1.0&q=30&auto=format&w=600&h=464&fit=crop&dpr=2 1200w, https://images.theconversation.com/files/541364/original/file-20230807-15-mp3dlr.png?ixlib=rb-1.1.0&q=15&auto=format&w=600&h=464&fit=crop&dpr=3 1800w, https://images.theconversation.com/files/541364/original/file-20230807-15-mp3dlr.png?ixlib=rb-1.1.0&q=45&auto=format&w=754&h=583&fit=crop&dpr=1 754w, https://images.theconversation.com/files/541364/original/file-20230807-15-mp3dlr.png?ixlib=rb-1.1.0&q=30&auto=format&w=754&h=583&fit=crop&dpr=2 1508w, https://images.theconversation.com/files/541364/original/file-20230807-15-mp3dlr.png?ixlib=rb-1.1.0&q=15&auto=format&w=754&h=583&fit=crop&dpr=3 2262w" alt="Google Flights chart of air travel options showing emissions and cost" /></a><figcaption><span class="caption">Travel aggregator search platforms are now labelling carbon emissions when offering flight options.</span> <span class="attribution"><span class="source">Google Flights</span></span></figcaption></figure> <h2>Give airlines an incentive to inform passengers</h2> <p>Governments and airports have long collaborated in driving consumers towards greener ground transit options. For instance, Transport for NSW has set a 50% emission-reduction <a href="https://www.future.transport.nsw.gov.au/sites/default/files/2022-09/Future_Transport_Strategy_2.pdf">target</a> for 2030.</p> <p>However, consumer adoption of these options has remained low. <a href="https://www.ttf.org.au/wp-content/uploads/2016/09/TTF_Accessing_Sydney_Airport.pdf">Most airport trips</a> in Australia today are still made by conventional car.</p> <p>As consumers, we have relationships with airlines that we don’t have with airports. When it comes to flying, we choose our airline carefully. Yet we rarely think about how we get to the airport.</p> <p>Airlines are experts in customer communication and engagement. They operate some of the largest frequent-flyer programs in the world. Last time we checked, Qantas had <a href="https://www.finder.com.au/frequent-flyer/qantas">15 million</a> program members and Virgin had <a href="https://newsroom.virginaustralia.com/release/velocity-frequent-flyer-soars-11-million-members">11 million</a>.</p> <p>Through these channels, airlines learn about us and how we tick when it comes to making flying choices. This puts them in an ideal position to keep us informed about door-to-door travel and drive the transition towards greener airport ground-connection options. To give them an incentive to do so, their efforts should be recognised through emission accounting.</p> <h2>A cost-effective way to cut emissions</h2> <p>Travellers using the Sydney Airport train station must pay an <a href="https://www.opal.com.au/en/opal-fares/airport_station_access_fee/">access fee</a>, which adds <a href="https://airportlink.com.au/trip-information/price/">A$15.74</a> to the cost of the journey. As our <a href="https://www.sciencedirect.com/science/article/pii/S1361920923002468">paper</a> highlights, the average customer using the airport train removes 2.7kg of CO₂. Achieving the same amount of decarbonisation during the flight using more sustainable aviation fuel – which is more expensive – would cost the customer about the same: between $10 and $16.</p> <p>So there is an opportunity for airlines to highlight this decarbonisation outcome as a way to persuade travellers to reconsider driving a car or catching a taxi, and instead take the airport train or bus. Airlines could also consider collaborating with airports to build airport charging facilities for electric vehicles as uptake in Australia approaches a <a href="https://www.theguardian.com/australia-news/2023/jul/31/australian-electric-vehicles-ev-sales-rise-increase">double-digit share</a> of new vehicle sales.</p> <p>This overlooked opportunity to cut door-to-door emissions from air travel has a substantial upside. It deserves far more attention from airlines, airports and consumers.<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/211099/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /></p> <p><em><a href="https://theconversation.com/profiles/rico-merkert-90253">Rico Merkert</a>, Professor in Transport and Supply Chain Management and Deputy Director, Institute of Transport and Logistics Studies (ITLS), University of Sydney Business School, <a href="https://theconversation.com/institutions/university-of-sydney-841">University of Sydney</a> and <a href="https://theconversation.com/profiles/david-li-1460445">David Li</a>, PhD Candidate, Institute of Transport and Logistics Studies, <a href="https://theconversation.com/institutions/university-of-sydney-841">University of Sydney</a></em></p> <p><em>Image credits: Getty Images</em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/how-air-travellers-can-cut-their-door-to-door-emissions-right-now-by-as-much-as-13-on-the-sydney-melbourne-route-211099">original article</a>.</em></p>

Domestic Travel

King Charles cuts ties with TV host over affair revelations

<p>King Charles has cut all ties with UK television host Phillip Schofield, after he lied about having an affair. </p> <p>Schofield has been dumped from his hosting gig at <em>This Morning</em>, which he has been the face of for 21 years, after he admitted he had an affair with a much younger man who worked at the ITV network.</p> <p>The 61-year-old resigned from the network after lying about the “consensual on-off relationship", admitting in a statement that the affair was "unwise" but stressed it was "not illegal".</p> <p>He added that he was "deeply sorry" for having lied to his wife and to ITV about his relationship with the man reportedly 30 years his junior and who he first met as a teenager.</p> <p>“Contrary to speculation, whilst I met the man when he was a teenager and was asked to help him to get into television, it was only after he started to work on the show that it became more than just a friendship,” he said in his recent statement.</p> <p>In light of the affair, Schofield has been dropped by The Prince's Trust, after being an ambassador for several years. </p> <p>A spokesperson from the King's charity told <em><a title="The Telegraph" href="https://www.telegraph.co.uk/news/2023/05/30/phillip-schofield-dropped-princes-trust-this-morning-affair/" target="_blank" rel="noopener">The Telegraph</a> UK</em> that it was mutually agreed it was "no longer appropriate to work together".</p> <p>"In light of Phillip's recent admissions, we have agreed with him that it is no longer appropriate to work together," a Prince's Trust spokesperson said.</p> <p>All references to Schofield have been removed from the charity's website and also his own page.</p> <p>It previously read, "Outside of work, Phillip is an ambassador for the charity The Prince's Trust, dedicating time to further the work of supporting vulnerable young people in the UK".</p> <p>The Prince's Trust was created in 1976 by then-Prince Charles to help young disadvantaged people in the UK, with the hugely successful charity helping more than one million young people by providing them with business grants, education and training.</p> <p>Following the bombshell revelation of Schofield's affair, ITV said it had investigated the allegations of his affair "several times" from early 2020, but said it didn't find any evidence.</p> <p>It's been a trying time for the ex-presenter with his brother Timothy recently being jailed for 12 years over child sex offences.</p> <p><em>Image credits: Getty Images</em></p>

News

"A true legend": Jane Fonda pegs award at director's head

<p>Film icon Jane Fonda is known to entertain the masses, and her cheeky antics at the 2023 Cannes Film Festival saw her do just that.</p> <p>While hosting Palme d’Or Awards on May 27, Fonda, 85, called up director Justine Triet who had won the award for <em>Anatomy of the Fall</em>, but it was Fonda’s deliverance of said award that had viewers in stitches.</p> <p>The 85-year-old tried to get Triet's attention, but after multiple attempts of calling out to her, Fonda decided to throw the scroll at the director’s back.</p> <p>When the scroll hit Triet on the back of the head and fell to the floor, she didn’t appear to notice.</p> <p><em>The Book Club</em> star’s unconventional passing of the award sent Twitter users into a frenzy, with many praising her, calling her a “queen” with an “excellent shot.”</p> <p>"A true legend." one person wrote.</p> <p>"This just made my day! 😂😂😂" another said.</p> <blockquote class="twitter-tweet"> <p dir="ltr" lang="en">favorite cannes moment is officially jane fonda throwing the palme d'or certificate at justine triet because she forgot to take it <a href="https://t.co/6tv8TEj8zw">pic.twitter.com/6tv8TEj8zw</a></p> <p>— flo ¨̮ (@astralbarnes) <a href="https://twitter.com/astralbarnes/status/1662568221931601920?ref_src=twsrc%5Etfw">May 27, 2023</a></p></blockquote> <p>Fonda hit the red carpet dazzled in black sequins. Her black gown was faired with a chain necklace and matching earrings.</p> <p>The beloved actress has been documenting her Cannes weekend via Instagram, sharing photos of herself with Hollywood greats Eva Longoria and Kate Winslet, as well as a snippet of her accommodation.</p> <p>Fonda’s attendance comes five months into her remission after <a href="https://www.oversixty.com.au/health/caring/jane-fonda-reassures-fans-after-cancer-diagnosis" target="_blank" rel="noopener">announcing her non-Hodgkin's lymphoma diagnosis</a> in September 2022.</p> <p>She revealed the happy news on her Instagram, titling it "BEST BIRTHDAY PRESENT EVER!!!"</p> <p>”Last week I was told by my oncologist that my cancer is in remission and I can discontinue chemo," she wrote. "I am feeling so blessed, so fortunate."</p> <p><em>Image credit: Getty</em></p>

Why being married cuts your risk of skin cancer

<p>A new study has found that married couples are less likely to die of skin cancer because they spot warning signs earlier than singles.</p> <p>The study, which observed 50,000 American skin cancer patients, found that 45.7 per cent of those who were married, had stage 1 tumours – which have a 98 per cent survival rate.</p> <p>The chance of catching skin cancer early dropped 32 per cent for singles, 38 per cent for divorcees and 70 per cent for widowers.</p> <p>The researchers from the University of Pennsylvania said they were stunned by the striking difference in diagnoses.</p> <p>The researchers believe these findings should help dermatologists adjust their advice to patients based on their relationship status, suggesting screening at an earlier age for single patients and encouraging home-screen training for those in relationships.</p> <p>Victims of melanoma, the deadliest form of skin cancer, are expected to increase by seven per cent by 2035.</p> <p>For those diagnosed with stage 1 disease, the five-year survival is reportedly 98 per cent. The five-year survival drops to 62 per cent for those diagnosed with stage 3 disease</p> <p>The study, published in the<em> Journal of the American Heart Association</em>, aimed to investigate how lifestyle and relationships could impact patients’ early detection chances.</p> <p>“Spouses likely facilitate early detection of melanomas by assisting in identification of pigmented lesions that may have otherwise gone unnoticed,” said corresponding author Dr Cimarron Sharon, a dermatologist at the Hospital of the University of Pennsylvania.</p> <p>“They may also provide support and encouragement to see a physician for evaluation.</p> <p>“Thus, married patients are likely to receive a better prognosis because of earlier surgical management.”</p> <p>The study also found that married patients were more likely than single, divorced or widowed patients to have a sentinel lymph node biopsy.</p> <p>SLNB is linked to survival as the sentinel lymph node is closest to a tumour and is the first place it would spread.</p> <p>Dr Sharon said this could be “associated with the spouse's role in supporting the patient and engaging in further discussion”. A partner also reduces the difficulty in travelling to and from a hospital and finding a carer post-surgery.</p> <p>This study is the largest of its kind to find the influence of marriage on the detection of melanoma.</p> <p>Dr Sharon said, “These findings support increased consideration of spousal training for partner skin examination and perhaps more frequent screening for unmarried patients.</p> <p>“Marital status should be considered when counselling patients for melanoma procedures and when recommending screening and follow-up to optimize patient care.”</p> <p><em>Image credit: Shutterstock</em></p>

Body

Funeral director accused of stealing from dead woman

<p dir="ltr">An 82-year-old woman, Teresa had to sadly lay her 56-year-old daughter Helen Moratias to rest after her untimely death.</p> <p dir="ltr">A devastated Teresa sensed something was off when she said the funeral director refused to open the casket at the church. </p> <p dir="ltr">"I was screaming and crying," Moraitis told A Current Affair.</p> <p dir="ltr">"I wanted to see my daughter and all my relatives wanted to see, to say goodbye.”</p> <p dir="ltr">After months of emotional torture, Teresa made the decision to exhume her daughter's remains from the above ground mausoleum. </p> <p dir="ltr">A Current Affair’s cameras were invited onto the scene, to bring to light what Teresa claims is the dark side of Australia’s unregulated funeral industry.</p> <p dir="ltr">After travelling to the mortuary facility, embalmers opened the casket to find Teresa’s naked remains in a blue body bag with her arm up behind her head. </p> <p dir="ltr">Thousands of dollars of gold jewellery and clothing that were given to the funeral director, Peter Tziotzis, were also missing. </p> <p dir="ltr">Despite paying for her daughter to be embalmed and plans for an open casket funeral, no preparation had been done on the corpse, according to mortuary staff who examined the remains.</p> <p dir="ltr">Teresa claimed on the day of the funeral, her family was told the casket had to be sealed shut as it was the coroner’s order.</p> <p dir="ltr">The family said the coroner later confirmed that no such order ever came about.</p> <p dir="ltr">"I feel betrayed," Teresa said. </p> <p dir="ltr">After Helen’s body was exhumed, detectives arrested Tziotzis, while allegedly finding the missing jewellery and clothes at the funeral parlour.</p> <p dir="ltr">Tziotzis released a statement, saying, “I wish to state in the clearest terms that A Current Affair’s version of events is incorrect and without factual basis. </p> <p dir="ltr">“I did not steal any jewellery or clothing, I did not fail to prepare Ms Moraitis’ daughter’s body for the funeral and burial and I was not dishonest in any way in my dealings with Ms Moraitis. </p> <p dir="ltr">“I also have not been charged with any criminal offence by Victoria Police.”</p> <p dir="ltr">Tziotzis still denies all claims.</p> <p dir="ltr"><em>Image credit: A Current Affair</em></p>

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