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Flash droughts are becoming more common in Australia. What’s causing them?

<p><em><a href="https://theconversation.com/profiles/milton-speer-703091">Milton Speer</a>, <a href="https://theconversation.com/institutions/university-of-technology-sydney-936">University of Technology Sydney</a> and <a href="https://theconversation.com/profiles/lance-m-leslie-437774">Lance M Leslie</a>, <a href="https://theconversation.com/institutions/university-of-technology-sydney-936">University of Technology Sydney</a></em></p> <p><a href="https://www.drought.gov/what-is-drought/flash-drought">Flash droughts</a> strike suddenly and intensify rapidly. Often the affected areas are in drought after just weeks or a couple of months of well-below-average rainfall. They happen worldwide and are <a href="https://www.researchgate.net/publication/377274397_Flash_drought_A_state_of_the_science_review?_tp=eyJjb250ZXh0Ijp7ImZpcnN0UGFnZSI6InB1YmxpY2F0aW9uRG93bmxvYWQiLCJwYWdlIjoicHVibGljYXRpb24iLCJwcmV2aW91c1BhZ2UiOiJwdWJsaWNhdGlvbiJ9fQ#read">becoming more common</a>, including in Australia, due to global warming.</p> <p>Flash droughts can occur anywhere and at any time of the year. Last year, a flash drought <a href="https://www.abc.net.au/news/2023-10-20/dams-dry-up-as-drought-takes-hold-in-hunter-valley/102996364">hit the Upper Hunter</a> region of New South Wales, roughly 300 kilometres north-west of Sydney.</p> <p>These sudden droughts can have devastating economic, social and environmental impacts. The damage is particularly severe for agricultural regions heavily dependent on reliable rain in river catchments. One such region is the Upper Hunter Valley, the subject of our <a href="https://www.mdpi.com/2225-1154/12/4/49">new research</a>.</p> <p>We identified two climate drivers – the <a href="http://www.bom.gov.au/climate/about/?bookmark=enso">El Niño Southern Oscillation</a> and <a href="http://www.bom.gov.au/climate/about/?bookmark=iod">Indian Ocean Dipole</a>) – that became influential during this drought. In addition, the waning influence of a third climate driver, the <a href="http://www.bom.gov.au/climate/about/?bookmark=sam">Southern Annular Mode</a>), would typically bring rain to the east coast. However, this rain did not reach the Upper Hunter.</p> <p>Flash droughts are set to get more common as the world heats up. This year, a flash drought developed over western and central Victoria over just two months. While heavy rain this month in Melbourne ended the drought there, it continues in the west.</p> <h2>What makes a flash drought different?</h2> <p>Flash droughts differ from more slowly developing droughts. The latter result from extended drops in rainfall, such as the <a href="http://www.bom.gov.au/climate/drought/">drought affecting</a> parts of southwest Western Australia due to the much shortened winter wet season last year.</p> <p>Flash droughts develop when sudden large drops in rainfall coincide with above-average temperatures. They mostly occur in summer and autumn, as was the case for Asia and Europe in 2022. That year saw flash droughts appear across the northern hemisphere, such as the megadrought affecting China’s <a href="https://iopscience.iop.org/article/10.1088/1748-9326/acfe21">Yangtze river basin</a> and <a href="https://www.sciencedirect.com/science/article/pii/S2352340923000264?via%3Dihub">Spain</a>.</p> <p>The flash drought devastating the Upper Hunter from May to October 2023 developed despite the region being drought-free just one month earlier. At that stage, almost nowhere in NSW showed any sign of an impending drought.</p> <figure class="align-center "><img src="https://images.theconversation.com/files/586776/original/file-20240409-18-n82npo.jpg?ixlib=rb-1.1.0&amp;q=45&amp;auto=format&amp;w=754&amp;fit=clip" sizes="(min-width: 1466px) 754px, (max-width: 599px) 100vw, (min-width: 600px) 600px, 237px" srcset="https://images.theconversation.com/files/586776/original/file-20240409-18-n82npo.jpg?ixlib=rb-1.1.0&amp;q=45&amp;auto=format&amp;w=600&amp;h=276&amp;fit=crop&amp;dpr=1 600w, https://images.theconversation.com/files/586776/original/file-20240409-18-n82npo.jpg?ixlib=rb-1.1.0&amp;q=30&amp;auto=format&amp;w=600&amp;h=276&amp;fit=crop&amp;dpr=2 1200w, https://images.theconversation.com/files/586776/original/file-20240409-18-n82npo.jpg?ixlib=rb-1.1.0&amp;q=15&amp;auto=format&amp;w=600&amp;h=276&amp;fit=crop&amp;dpr=3 1800w, https://images.theconversation.com/files/586776/original/file-20240409-18-n82npo.jpg?ixlib=rb-1.1.0&amp;q=45&amp;auto=format&amp;w=754&amp;h=347&amp;fit=crop&amp;dpr=1 754w, https://images.theconversation.com/files/586776/original/file-20240409-18-n82npo.jpg?ixlib=rb-1.1.0&amp;q=30&amp;auto=format&amp;w=754&amp;h=347&amp;fit=crop&amp;dpr=2 1508w, https://images.theconversation.com/files/586776/original/file-20240409-18-n82npo.jpg?ixlib=rb-1.1.0&amp;q=15&amp;auto=format&amp;w=754&amp;h=347&amp;fit=crop&amp;dpr=3 2262w" alt="Maps of drought conditions in NSW in April 2023 compared to the next six months" /><figcaption><span class="caption">NSW Department of Primary Industries’ combined drought indicator in April 2023 (a) and combined drought indicator for May–October 2023 (b) show how rapidly a flash drought developed in the Upper Hunter region.</span> <span class="attribution"><span class="source">Milton Speer et al 2024, using NSW Department of Primary Industries' data</span></span></figcaption></figure> <p>The flash drought greatly affected agricultural production in the Upper Hunter region, due to the region’s reliance on water from rivers. Low rainfall in river catchments means less water for crops and pasture. It also dries up drinking water supplies.</p> <p>Flash droughts are characterised by abrupt periods of low rainfall leading to rapid drought onset, particularly when accompanied by above-average temperatures. Higher temperatures increase both the evaporation of water from the soil and transpiration from plants (evapotranspiration). This causes soil moisture to drop rapidly.</p> <h2>The Upper Hunter drought is part of a trend</h2> <p>Flash droughts will be more common in the future. That’s because higher temperatures will more often coincide with dry conditions, as relative humidity falls <a href="https://www.researchgate.net/publication/377274397_Flash_drought_A_state_of_the_science_review_tp=eyJjb250ZXh0Ijp7ImZpcnN0UGFnZSI6InB1YmxpY2F0aW9uRG93bmxvYWQiLCJwYWdlIjoicHVibGljYXRpb24iLCJwcmV2aW91c1BhZ2UiOiJwdWJsaWNhdGlvbiJ9fQ#read">across many parts</a> of Australia and globally.</p> <p>Climate change is <a href="https://climate.ec.europa.eu/climate-change/consequences-climate-change_en">linked to</a> shorter, heavier bursts of rain followed by longer periods of little rainfall.</p> <figure class="align-center "><img src="https://images.theconversation.com/files/586777/original/file-20240409-16-n82npo.jpg?ixlib=rb-1.1.0&amp;q=45&amp;auto=format&amp;w=754&amp;fit=clip" sizes="(min-width: 1466px) 754px, (max-width: 599px) 100vw, (min-width: 600px) 600px, 237px" srcset="https://images.theconversation.com/files/586777/original/file-20240409-16-n82npo.jpg?ixlib=rb-1.1.0&amp;q=45&amp;auto=format&amp;w=600&amp;h=196&amp;fit=crop&amp;dpr=1 600w, https://images.theconversation.com/files/586777/original/file-20240409-16-n82npo.jpg?ixlib=rb-1.1.0&amp;q=30&amp;auto=format&amp;w=600&amp;h=196&amp;fit=crop&amp;dpr=2 1200w, https://images.theconversation.com/files/586777/original/file-20240409-16-n82npo.jpg?ixlib=rb-1.1.0&amp;q=15&amp;auto=format&amp;w=600&amp;h=196&amp;fit=crop&amp;dpr=3 1800w, https://images.theconversation.com/files/586777/original/file-20240409-16-n82npo.jpg?ixlib=rb-1.1.0&amp;q=45&amp;auto=format&amp;w=754&amp;h=246&amp;fit=crop&amp;dpr=1 754w, https://images.theconversation.com/files/586777/original/file-20240409-16-n82npo.jpg?ixlib=rb-1.1.0&amp;q=30&amp;auto=format&amp;w=754&amp;h=246&amp;fit=crop&amp;dpr=2 1508w, https://images.theconversation.com/files/586777/original/file-20240409-16-n82npo.jpg?ixlib=rb-1.1.0&amp;q=15&amp;auto=format&amp;w=754&amp;h=246&amp;fit=crop&amp;dpr=3 2262w" alt="Map of Upper Hunter region showing drought indicators in December 2023" /><figcaption><span class="caption">Intense drought conditions continued in the Upper Hunter in December 2023.</span> <span class="attribution"><span class="source">Milton Speer et al 2024</span></span></figcaption></figure> <figure class="align-right "><img src="https://images.theconversation.com/files/586778/original/file-20240409-16-www3a.jpg?ixlib=rb-1.1.0&amp;q=45&amp;auto=format&amp;w=237&amp;fit=clip" sizes="(min-width: 1466px) 754px, (max-width: 599px) 100vw, (min-width: 600px) 600px, 237px" srcset="https://images.theconversation.com/files/586778/original/file-20240409-16-www3a.jpg?ixlib=rb-1.1.0&amp;q=45&amp;auto=format&amp;w=600&amp;h=376&amp;fit=crop&amp;dpr=1 600w, https://images.theconversation.com/files/586778/original/file-20240409-16-www3a.jpg?ixlib=rb-1.1.0&amp;q=30&amp;auto=format&amp;w=600&amp;h=376&amp;fit=crop&amp;dpr=2 1200w, https://images.theconversation.com/files/586778/original/file-20240409-16-www3a.jpg?ixlib=rb-1.1.0&amp;q=15&amp;auto=format&amp;w=600&amp;h=376&amp;fit=crop&amp;dpr=3 1800w, https://images.theconversation.com/files/586778/original/file-20240409-16-www3a.jpg?ixlib=rb-1.1.0&amp;q=45&amp;auto=format&amp;w=754&amp;h=472&amp;fit=crop&amp;dpr=1 754w, https://images.theconversation.com/files/586778/original/file-20240409-16-www3a.jpg?ixlib=rb-1.1.0&amp;q=30&amp;auto=format&amp;w=754&amp;h=472&amp;fit=crop&amp;dpr=2 1508w, https://images.theconversation.com/files/586778/original/file-20240409-16-www3a.jpg?ixlib=rb-1.1.0&amp;q=15&amp;auto=format&amp;w=754&amp;h=472&amp;fit=crop&amp;dpr=3 2262w" alt="Map of NSW showing average temperature ranges recorded for May–October 2023." /><figcaption><span class="caption">The sharp drop in rainfall coincided with the Upper Hunter’s highest average maximum temperatures on record for May–October 2023.</span> <span class="attribution"><span class="source">Milton Speer et al 2024</span></span></figcaption></figure> <p>In south-east and south-west Australia, flash droughts can also occur in winter.</p> <p>In May 2023 rainfall over south-east Australia dropped abruptly. The much lower rainfall continued until November in the Upper Hunter. Over this same period, mean maximum temperatures in the region were the highest on record, increasing the loss of moisture through evapotranspiration. The result was a flash drought. While flash droughts occurred in other parts of south-east Australia, we focused on the Upper Hunter as it remained in drought the longest.</p> <h2>What were the climate drivers of this drought?</h2> <p>We used machine-learning techniques to identify the key climate drivers of the drought.</p> <p>We found the dominant driver of the flash drought was global warming, modulated by the phases of the three major climate drivers in our region, the El Niño Southern Oscillation, Indian Ocean Dipole and the Southern Annular Mode.</p> <p>From 2020 to 2022, the first two drivers became favourable for rain in the Upper Hunter in late winter through spring, before changing phase to one supporting drought over south-east Australia. Meanwhile, the Southern Annular Mode remained mostly positive, meaning rain-bearing westerly winds and weather fronts had moved to middle and higher latitudes of the southern hemisphere, away from Australia’s south-east coast.</p> <p>Combined, the impact of global warming with the three climate drivers made rainfall much more variable. The net result was an atmospheric environment highly conducive to a flash drought appearing anywhere in south-east Australia.</p> <figure class="align-right zoomable"><a href="https://images.theconversation.com/files/586248/original/file-20240405-16-ti5j3m.png?ixlib=rb-1.1.0&amp;q=45&amp;auto=format&amp;w=1000&amp;fit=clip"><img src="https://images.theconversation.com/files/586248/original/file-20240405-16-ti5j3m.png?ixlib=rb-1.1.0&amp;q=45&amp;auto=format&amp;w=237&amp;fit=clip" sizes="(min-width: 1466px) 754px, (max-width: 599px) 100vw, (min-width: 600px) 600px, 237px" srcset="https://images.theconversation.com/files/586248/original/file-20240405-16-ti5j3m.png?ixlib=rb-1.1.0&amp;q=45&amp;auto=format&amp;w=600&amp;h=464&amp;fit=crop&amp;dpr=1 600w, https://images.theconversation.com/files/586248/original/file-20240405-16-ti5j3m.png?ixlib=rb-1.1.0&amp;q=30&amp;auto=format&amp;w=600&amp;h=464&amp;fit=crop&amp;dpr=2 1200w, https://images.theconversation.com/files/586248/original/file-20240405-16-ti5j3m.png?ixlib=rb-1.1.0&amp;q=15&amp;auto=format&amp;w=600&amp;h=464&amp;fit=crop&amp;dpr=3 1800w, https://images.theconversation.com/files/586248/original/file-20240405-16-ti5j3m.png?ixlib=rb-1.1.0&amp;q=45&amp;auto=format&amp;w=754&amp;h=583&amp;fit=crop&amp;dpr=1 754w, https://images.theconversation.com/files/586248/original/file-20240405-16-ti5j3m.png?ixlib=rb-1.1.0&amp;q=30&amp;auto=format&amp;w=754&amp;h=583&amp;fit=crop&amp;dpr=2 1508w, https://images.theconversation.com/files/586248/original/file-20240405-16-ti5j3m.png?ixlib=rb-1.1.0&amp;q=15&amp;auto=format&amp;w=754&amp;h=583&amp;fit=crop&amp;dpr=3 2262w" alt="Map of Upper Hunter region showing drought indicators in December 2023" /></a><figcaption><span class="caption">Intense drought conditions continued in the Upper Hunter in December 2023.</span> <span class="attribution"><span class="source">Milton Speer et al 2024</span></span></figcaption></figure> <h2>Victoria, too, fits the global warming pattern</h2> <p>As for the flash drought that developed in early 2024 over western and central Victoria, including Melbourne, it continues in parts of <a href="http://www.bom.gov.au/climate/drought/#msdynttrid=_ytsVsw1a3IFZ7xGCnQz8mw1Gum_n_0JUdQyt2hUVCo">western Victoria</a>. The flash drought followed very high January rainfall (top 5% of records) dropping rapidly to very low rainfall (bottom 5%) in February and March.</p> <p>It was the <a href="http://www.bom.gov.au/climate/maps/rainfall/?variable=rainfall&amp;map=decile&amp;period=2month&amp;region=vc&amp;year=2024&amp;month=03&amp;day=31">driest February-March period</a> on record for Melbourne and south-west Victoria.</p> <p>At the beginning of April, a storm front <a href="https://www.9news.com.au/national/severe-weather-storm-warning-for-victoria-and-melbourne-easter-monday/41d5d383-b70d-4d36-a649-38632bc607de">brought heavy rainfall</a> over an 18-hour period to central Victoria, including Melbourne.</p> <p>The rains ended the flash drought in these areas, but it continues in parts of western Victoria, which missed out on the rain.</p> <p>The pattern of the 2024 flash drought in Victoria typifies the increasing trend under global warming of long dry periods, interspersed by short, heavy rainfall events. <!-- Below is The Conversation's page counter tag. Please DO NOT REMOVE. --><img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/227052/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /><!-- End of code. If you don't see any code above, please get new code from the Advanced tab after you click the republish button. The page counter does not collect any personal data. More info: https://theconversation.com/republishing-guidelines --></p> <p><a href="https://theconversation.com/profiles/milton-speer-703091"><em>Milton Speer</em></a><em>, Visiting Fellow, School of Mathematical and Physical Sciences, <a href="https://theconversation.com/institutions/university-of-technology-sydney-936">University of Technology Sydney</a> and <a href="https://theconversation.com/profiles/lance-m-leslie-437774">Lance M Leslie</a>, Professor, School of Mathematical And Physical Sciences, <a href="https://theconversation.com/institutions/university-of-technology-sydney-936">University of Technology 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/flash-droughts-are-becoming-more-common-in-australia-whats-causing-them-227052">original article</a>.</em></p>

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Funding for refugees has long been politicized − punitive action against UNRWA and Palestinians fits that pattern

<p><em><a href="https://theconversation.com/profiles/nicholas-r-micinski-207353">Nicholas R. Micinski</a>, <a href="https://theconversation.com/institutions/university-of-maine-2120">University of Maine</a> and <a href="https://theconversation.com/profiles/kelsey-norman-862895">Kelsey Norman</a>, <a href="https://theconversation.com/institutions/rice-university-931">Rice University</a></em></p> <p>At least a dozen countries, including the U.S., have <a href="https://news.un.org/en/story/2024/01/1145987">suspended funding to the UNRWA</a>, the United Nations agency responsible for delivering aid to Palestinian refugees.</p> <p>This follows allegations made by Israel that <a href="https://www.wsj.com/world/middle-east/at-least-12-u-n-agency-employees-involved-in-oct-7-attacks-intelligence-reports-say-a7de8f36">12 UNRWA employees participated</a> in the Oct. 7, 2023, Hamas attack. The UNRWA responded by <a href="https://www.reuters.com/world/middle-east/un-palestinian-refugee-agency-investigates-staff-suspected-role-israel-attacks-2024-01-26/">dismissing all accused employees</a> and opening an investigation.</p> <p>While the seriousness of the accusations is clear to all, and the U.S. has been keen to <a href="https://www.nytimes.com/2024/01/30/us/politics/aid-gaza-israel.html">downplay the significance</a> of its pause in funding, the action is not in keeping with precedent.</p> <p>Western donors did not, for example, defund other U.N. agencies or peacekeeping operations amid accusations of <a href="https://www.hrw.org/news/2020/01/11/un-peacekeeping-has-sexual-abuse-problem">sexual assault</a>, <a href="https://www.justice.gov/usao-sdny/pr/former-un-general-assembly-president-and-five-others-charged-13-million-bribery-scheme">corruption</a> or <a href="https://www.hrw.org/legacy/summaries/s.bosnia9510.html">complicity in war crimes</a>.</p> <p>In real terms, the funding cuts to the UNRWA will affect <a href="https://www.unrwa.org/where-we-work/gaza-strip">1.7 million Palestinian refugees in Gaza</a> along with an additional 400,000 Palestinians without refugee status, many of whom benefit from the UNRWA’s infrastructure. Some critics have gone further and said depriving the agency of funds <a href="https://jacobin.com/2024/01/unrwa-defunding-gaza-israel">amounts to collective punishment</a> against Palestinians.</p> <p>Refugee aid, and humanitarian aid more generally, is theoretically meant to be neutral and impartial. But as experts in <a href="https://www.cambridge.org/core/books/reluctant-reception/558E2A93FF99B8F295347A8FA2053698">migration</a> <a href="https://www.routledge.com/UN-Global-Compacts-Governing-Migrants-and-Refugees/Micinski/p/book/9780367218836">and</a> <a href="https://press.umich.edu/Books/D/Delegating-Responsibility">international relations</a>, we know funding is often used as a foreign policy tool, whereby allies are rewarded and enemies punished. In this context, we believe the cuts in funding for the UNRWA fit a wider pattern of the politicization of aid to refugees, particularly Palestinian refugees.</p> <h2>What is the UNRWA?</h2> <p>The UNRWA, short for the U.N. Relief and Works Agency for Palestine Refugees in the Near East, was established two years after about <a href="https://theconversation.com/the-nakba-at-75-palestinians-struggle-to-get-recognition-for-their-catastrophe-204782">750,000 Palestinians were expelled or fled from their homes</a> during the months leading up to the creation of the state of Israel in 1948 and the subsequent Arab-Israeli war.</p> <p>Prior to the UNRWA’s creation, international and local organizations, many of them religious, provided services to displaced Palestinians. But after <a href="https://cup.columbia.edu/book/refuge-and-resistance/9780231202855">surveying the extreme poverty</a> and dire situation pervasive across refugee camps, the U.N. General Assembly, including all Arab states and Israel, voted to create the UNRWA in 1949.</p> <p>Since that time, <a href="https://www.unrwa.org/what-we-do">the UNRWA has been the primary aid organization</a> providing food, medical care, schooling and, in some cases, housing for the 6 million Palestinians living across its five fields: Jordan, Lebanon, Syria, as well as the areas that make up the occupied Palestinian territories: the West Bank and Gaza Strip.</p> <p>The mass displacement of Palestinians – known as the <a href="https://theconversation.com/the-nakba-at-75-palestinians-struggle-to-get-recognition-for-their-catastrophe-204782">Nakba, or “catastrophe</a>” – occurred prior to the <a href="https://www.unhcr.org/about-unhcr/who-we-are/1951-refugee-convention">1951 Refugee Convention</a>, which defined refugees as anyone with a well-founded fear of persecution owing to “events occurring in Europe before 1 January 1951.” Despite a <a href="https://www.unhcr.org/sites/default/files/legacy-pdf/4ec262df9.pdf">1967 protocol extending the definition</a> worldwide, Palestinians are still excluded from the primary international system protecting refugees.</p> <p>While the UNRWA is responsible for providing services to Palestinian refugees, the United Nations also created the U.N. Conciliation Commission for Palestine in 1948 to seek a <a href="https://www.refworld.org/docid/4fe2e5672.html">long-term political solution</a> and “to facilitate the repatriation, resettlement and economic and social rehabilitation of the refugees and the payment of compensation.”</p> <p>As a result, the UNRWA does not have a mandate to push for the traditional durable solutions available in other refugee situations. As it happened, the conciliation commission was active only for a few years and has since been sidelined in favor of the U.S.-brokered peace processes.</p> <h2>Is the UNRWA political?</h2> <p>The UNRWA has been <a href="https://www.migrationpolicy.org/article/palestinian-refugees-dispossession">subject</a> to political headwinds since its inception and especially during periods of heightened tension between Palestinians and Israelis.</p> <p>While it is a U.N. organization and thus ostensibly apolitical, it has <a href="https://cup.columbia.edu/book/refuge-and-resistance/9780231202855">frequently been criticized</a> by Palestinians, Israelis as well as donor countries, including the United States, for acting politically.</p> <p>The UNRWA performs statelike functions across its five fields – including education, health and infrastructure – but it is restricted in its mandate from performing political or security activities.</p> <p>Initial Palestinian objections to the UNRWA stemmed from the organization’s early focus on economic integration of refugees into host states.</p> <p>Although the UNRWA officially adhered to the U.N. General Assembly’s <a href="https://www.unrwa.org/content/resolution-194">Resolution 194</a> that called for the return of Palestine refugees to their homes, U.N., U.K. and U.S. <a href="https://cup.columbia.edu/book/refuge-and-resistance/9780231202855">officials searched</a> for means by which to resettle and integrate Palestinians into host states, viewing this as the favorable political solution to the Palestinian refugee situation and the broader Israeli-Palestinian conflict. In this sense, Palestinians perceived the UNRWA to be both highly political and actively working against their interests.</p> <p>In later decades, the UNRWA <a href="https://cup.columbia.edu/book/refuge-and-resistance/9780231202855">switched its primary focus</a> from jobs to education at the urging of Palestinian refugees. But the UNRWA’s education materials were <a href="https://cup.columbia.edu/book/refuge-and-resistance/9780231202855">viewed</a> by Israel as further feeding Palestinian militancy, and the Israeli government insisted on checking and approving all materials in Gaza and the West Bank, which it has occupied since 1967.</p> <p>While Israel has <a href="https://cup.columbia.edu/book/refuge-and-resistance/9780231202855">long been suspicious</a> of the UNRWA’s role in refugee camps and in providing education, the organization’s operation, which is internationally funded, <a href="https://www.crisisgroup.org/middle-east-north-africa/east-mediterranean-mena/israelpalestine/242-unrwas-reckoning-preserving-un-agency-serving-palestinian-refugees">also saves</a> Israel millions of dollars each year in services it would be obliged to deliver as the occupying power.</p> <p>Since the 1960s, the U.S. – UNRWA’s primary donor – and other Western countries have <a href="https://cup.columbia.edu/book/refuge-and-resistance/9780231202855">repeatedly expressed their desire</a> to use aid to prevent radicalization among refugees.</p> <p>In response to the increased presence of armed opposition groups, the <a href="https://cup.columbia.edu/book/refuge-and-resistance/9780231202855">U.S. attached a provision</a> to its UNRWA aid in 1970, requiring that the “UNRWA take all possible measures to assure that no part of the United States contribution shall be used to furnish assistance to any refugee who is receiving military training as a member of the so-called Palestine Liberation Army (PLA) or any other guerrilla-type organization.”</p> <p>The UNRWA adheres to this requirement, even publishing an annual list of its employees so that host governments can vet them, but it also <a href="https://www.crisisgroup.org/middle-east-north-africa/east-mediterranean-mena/israelpalestine/242-unrwas-reckoning-preserving-un-agency-serving-palestinian-refugees">employs 30,000 individuals</a>, the vast majority of whom are Palestinian.</p> <p>Questions over the links of the UNRWA to any militancy has led to the rise of Israeli and international <a href="https://cufi.org/issue/unrwa-teachers-continue-to-support-antisemitism-terrorism-on-social-media-un-watch/">watch groups</a> that document the social media activity of the organization’s large Palestinian staff.</p> <h2>Repeated cuts in funding</h2> <p>The United States has used its money and power within the U.N. to block criticism of Israel, vetoing at least <a href="https://www.un.org/depts/dhl/resguide/scact_veto_table_en.htm">45 U.N. resolutions</a> critical of Israel.</p> <p>And the latest freeze is not the first time the U.S. has cut funding to the UNRWA or other U.N. agencies in response to issues pertaining to the status of Palestinians.</p> <p>In 2011, the <a href="https://www.reuters.com/article/idUSTRE79U5ED/#:%7E:text=WASHINGTON%20(Reuters)%20%2D%20The%20United,grant%20the%20Palestinians%20full%20membership.">U.S. cut all funding to UNESCO</a>, the U.N. agency that provides educational and cultural programs around the world, after the agency voted to admit the state of Palestine as a full member.</p> <p>The Obama administration defended the move, claiming it was required by a 1990s law to defund any U.N. body that admitted Palestine as a full member.</p> <p>But the impact of the action was nonetheless severe. Within just four years, UNESCO was <a href="https://onlinelibrary.wiley.com/doi/full/10.1111/1758-5899.12459">forced to cut its staff in half</a> and roll back its operations. President Donald Trump later <a href="https://www.pbs.org/newshour/politics/u-s-and-israel-officially-withdraw-from-unesco">withdrew the U.S. completely from UNESCO</a>.</p> <p>In 2018, the Trump administration paused its <a href="https://www.nytimes.com/2018/08/31/us/politics/trump-unrwa-palestinians.html">US$60 million contribution to the UNRWA</a>. Trump claimed the pause would create political pressure for Palestinians to negotiate. President Joe Biden restarted U.S. contributions to the UNRWA in 2021.</p> <h2>Politicization of refugee aid</h2> <p>Palestinian are not the only group to suffer from the politicization of refugee funding.</p> <p>After World War II, states established different international organizations to help refugees but strategically excluded some groups from the refugee definition. For example, the U.S. funded the <a href="https://www.nationalww2museum.org/war/articles/last-million-eastern-european-displaced-persons-postwar-germany">U.N. Relief and Rehabilitation Administration to help resettle displaced persons after World War II</a> but resisted Soviet pressure to forcibly repatriate Soviet citizens.</p> <p>The U.S. also created a separate organization, <a href="https://academic.oup.com/ijrl/article-abstract/1/4/501/1598187">the precursor to the International Organization for Migration</a>, to circumvent Soviet influence. In many ways, the UNRWA’s existence and the exclusion of Palestinian refugees from the wider refugee regime parallels this dynamic.</p> <p>Funding for refugees has also been politicized through the earmarking of voluntary contributions to U.N. agencies. Some agencies receive funding from U.N. dues; but the UNRWA, alongside the U.N. High Commissioner for Refugees and the International Organization for Migration, receive the majority of their funding from voluntary contributions from member states.</p> <p>These contributions can be earmarked for specific activities or locations, leading to donors such as the <a href="https://www.peio.me/wp-content/uploads/2019/01/PEIO12_paper_107.pdf">U.S. or European Union dictating which refugees get aid and which do not</a>. Earmarked contributions amounted to nearly <a href="https://unsceb.org/fs-revenue-agency">96% of the UNHCR’s budget, 96% of the IOM’s budget and 74% of UNRWA funding in 2022</a>.</p> <p>As a result, any cuts to UNRWA funding will affect its ability to service Palestinian refugees in Gaza – especially at a time when so many are <a href="https://www.cnn.com/2024/01/30/middleeast/famine-looms-in-gaza-israel-war-intl/index.html">facing hunger, disease and displacement</a> as a result of war.<!-- Below is The Conversation's page counter tag. Please DO NOT REMOVE. --><img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/222263/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /><!-- End of code. If you don't see any code above, please get new code from the Advanced tab after you click the republish button. The page counter does not collect any personal data. More info: https://theconversation.com/republishing-guidelines --></p> <p><a href="https://theconversation.com/profiles/nicholas-r-micinski-207353"><em>Nicholas R. Micinski</em></a><em>, Assistant Professor of Political Science and International Affairs, <a href="https://theconversation.com/institutions/university-of-maine-2120">University of Maine</a> and <a href="https://theconversation.com/profiles/kelsey-norman-862895">Kelsey Norman</a>, Fellow for the Middle East, Rice University's Baker Institute for Public Policy, <a href="https://theconversation.com/institutions/rice-university-931">Rice University</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/funding-for-refugees-has-long-been-politicized-punitive-action-against-unrwa-and-palestinians-fits-that-pattern-222263">original article</a>.</em></p>

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Couple who found love in chemotherapy raise funds for final trip

<p>Ainslie Plumb, 22, and Joe Fan, 29, found love in an unexpected place, at the Royal Brisbane and Women’s Hospital. </p> <p>The couple met in 2022 while they were both undergoing leukaemia treatment. </p> <p>“We met at an event for young people with cancer and became friends following that,” Plumb told <em>7News</em>. </p> <p>“(We) would hang out during our hospital stays, I asked him out in October 2022 and (we) have been together ever since.” </p> <p>While Plumb successfully entered remission, last October, Fan was told that he was now terminal, as doctors had run out of options to treat his Philadelphia chromosome positive acute lymphoblastic leukaemia. </p> <p>With only months left to live, Fan, who has actively given back to the hospital and cancer community by playing his violin for patients and staff and worked with the Queensland Youth Cancer Service, has one final wish - to travel. </p> <p>The couple have set a <a href="https://www.gofundme.com/f/help-joe-live-his-dreams" target="_blank" rel="noopener">GoFundMe</a>, to help raise funds which cover flights, accommodation and specialised travel insurance, for Fan's final trip.</p> <p>“I go through my cancer treatments and observe the toll that takes on my physical and mental wellbeing,” Fan said.</p> <p>“The end of a trip can hopefully mark the start of another — and I have held onto hope, looked forward and dreamed for one more trip, more time, one more experience with that someone I love.”</p> <p>Their first destination will be Taiwan and Hong Kong, where Fan's parents are from and where he spent a majority of his childhood. </p> <p>They also intend to travel to New Zealand and Western Australia to swim with whale sharks at Ningaloo in the state’s north.</p> <p>“We’re aiming at going at the end of February to give us time to co-ordinate with his doctors around his appointments and infusions, which are all booked in advance,” Plumb said. </p> <p>“We recently reached 75 per cent on the fundraiser and are hoping to hit 100 per cent perhaps by the end of January.”</p> <p>As of today, the couple have successfully raised over $21,000 from their $20,000 goal, and have thanked everyone in their community and strangers for their support. </p> <p>“Truly, words do not suffice,” the couple said.</p> <p><em>Images: 7News </em></p> <p> </p>

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Gina Rinehart's bid to save the Commonwealth Games

<p>Gina Rinehart has thrown her support behind a bid to save the 2026 Commonwealth Games, after Victoria abandoned hosting the event.</p> <p>Australia's richest person has vowed to work with sporting officials and Gold Coast Mayor Tom Tate to help salvage the Games and move them to Queensland, after Victorian premier Dan Andrews pulled the pin on the event over major budget issues. </p> <p>Gina's support comes amid fears the Commonwealth Games are in free fall after Canada pulled out of a bid to host the 2030 Games, meaning the Games currently have no future events planned and no host city.</p> <p>Following Victoria's abandonment of the 2026 Games, London, New Zealand and several cities in Scotland have launched campaigns to host the event, with each of them garnering some public support.</p> <p>According to reports from the <em><a title="www.couriermail.com.au" href="https://www.couriermail.com.au/sport/gina-rinehart-backs-gold-coast-bid-for-2026-commonwealth-games/news-story/3a6d0b2b4acb5ff522dde7ea4bd3e6b7" target="_blank" rel="noopener" data-tgev="event119" data-tgev-container="bodylink" data-tgev-order="3a6d0b2b4acb5ff522dde7ea4bd3e6b7" data-tgev-label="sport" data-tgev-metric="ev">Courier Mail,</a></em> Rinehart is not prepared to fund the Games herself, but is prepared to do whatever is needed to help the Gold Coast secure the Commonwealth Games.</p> <p>A spokesman for Rinehart said “direct athlete support” would remain the focus of Hancock Prospecting’s sports funding program, but she would back a Gold Coast bid.</p> <p>“Having seen the joy that athletes and their families experienced when competing in front of a home crowd for the 2018 Gold Coast Commonwealth Games, Mrs Rinehart would certainly welcome the 2026 event to again be held in Australia, especially at the Gold Coast, where it was run so successfully before,” her spokesman said. </p> <p>Mayor Tate said Rinehart’s commitment was a significant endorsement in the Gold Coast, which he said could host the Games again at a cost of just over $1 billion.</p> <p>The city hosted the 2018 Commonwealth Games and would have the facilities to hold the event just eight years later.</p> <p>“Her statement sends a clear message: We must show what we are capable of as a country,” Tate said.</p> <p>“The Aussie athletes deserve it, as does every young kid who dreams of representing their country."</p> <p>“The momentum behind a 2026 Gold Coast Games is growing.”</p> <p><em>Image credits: Getty Images</em></p>

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Medical Research Future Fund has $20 billion to spend. Here’s how we prioritise who gets what

<p><em><a href="https://theconversation.com/profiles/adrian-barnett-853">Adrian Barnett</a>, <a href="https://theconversation.com/institutions/queensland-university-of-technology-847">Queensland University of Technology</a> and <a href="https://theconversation.com/profiles/philip-clarke-1149967">Philip Clarke</a>, <a href="https://theconversation.com/institutions/university-of-oxford-1260">University of Oxford</a></em></p> <p>The <a href="https://www.health.gov.au/our-work/medical-research-future-fund">Medical Research Future Fund</a> (MRFF) is a A$20 billion fund to support Australian health and medical research. It was set up in 2015 to deliver practical benefits from medical research and innovation to as many Australians as possible.</p> <p>Unlike the other research funding agencies, such the National Health and Medical Research Council (NHMRC), most of the MRFF funding is priority-driven. It seeks to fund research in particular areas or topics rather than using open calls when researchers propose their own ideas for funding.</p> <p>As the <a href="https://www.smh.com.au/politics/federal/not-how-you-run-a-1b-scheme-science-fund-backers-lead-chorus-for-reform-20230619-p5dhni.html">Nine newspapers</a> outlined this week, researchers have criticised the previous Coalition government’s allocation of MRFF funds. There is widespread consensus the former health minister had <a href="https://www.theage.com.au/politics/federal/a-centre-never-built-and-a-hospital-that-missed-out-the-coalition-s-unusual-20b-research-fund-20230619-p5dhng.html">too much influence</a> in the allocation of funds, and there was limited and sometimes no competition when funding was directly allocated to one research group.</p> <p>The current Health Minister, Mark Butler, has instituted a <a href="https://www.innovationaus.com/billion-dollar-medical-research-grants-process-under-review/">review</a>. So how should the big decisions about how to spend the MRFF be made in the future to maximise its value and achieve its aims?</p> <h2>Assess gaps in evidence</h2> <p>Research priorities for the MRFF are set by the <a href="https://www.health.gov.au/committees-and-groups/australian-medical-research-advisory-board-amrab?language=und">Australian Medical Research Advisory Board</a>, which widely consults with the research sector.</p> <p>However, most researchers and institutions will simply argue more funding is needed for their own research. If the board seeks to satisfy such lobbying, it will produce fragmented funding that aligns poorly with the health needs of Australians.</p> <p>A better approach would be to systematically assemble evidence about what is known and the key evidence gaps. Here, the board would benefit from what is known as a “<a href="https://pubmed.ncbi.nlm.nih.gov/15484602/">value of information</a>” framework for decision-making.</p> <p>This framework systematically attempts to quantify the most valuable information that will reduce the uncertainty for health and medical decision-making. In other words, it would pinpoint which information we need to allow us to better make health and medical decisions.</p> <p>There have been <a href="https://pubmed.ncbi.nlm.nih.gov/30288400/">attempts</a> to use this method in Australia to help inform how we prioritise hospital-based research. However, we now need to apply such an approach more broadly.</p> <h2>Seek public input</h2> <p>A structured framework for engaging with the public is also missing in Australia. The public’s perspective on research prioritisation has often been overlooked, but as the ultimate consumers of research, they need to be heard.</p> <p>Research is a highly complex and specialised endeavour, so we can’t expect the public to create sensible priorities alone.</p> <p>One approach used overseas has been developed by the <a href="https://www.jla.nihr.ac.uk/">James Lind Alliance</a>, a group in the United Kingdom that combines the public’s views with researchers to create agreed-on priorities for research.</p> <p>This is done using an intensive process of question setting and discussion. Priorities are checked for feasibility and novelty, so there is no funding for research that’s impossible or already done.</p> <p>The priorities from the James Lind Alliance process can be surprising. The top priority in the area of <a href="https://www.jla.nihr.ac.uk/priority-setting-partnerships/irritable-bowel-syndrome/top-10-priorities.htm">irritable bowel syndrome</a>, for example, is to discover if it’s one condition or many, while the second priority is to work on bowel urgency (a sudden urgent need to go to the toilet).</p> <p>While such everyday questions can struggle to get funding in traditional systems that often focus on novelty, funding research in these two priority areas could lead to the most benefits for people with irritable bowel syndrome.</p> <h2>Consider our comparative advantages</h2> <p>Australia is a relatively small player globally. To date, the MRFF has allocated around <a href="https://www.health.gov.au/resources/publications/medical-research-future-fund-mrff-grant-recipients?language=und">$2.6 billion</a>, just over 5% of what the United States allocates through the National Institute of Health funding in a <a href="https://www.who.int/observatories/global-observatory-on-health-research-and-development/monitoring/investments-on-grants-for-biomedical-research-by-funder-type-of-grant-health-category-and-recipient">single year</a>.</p> <p>A single research grant, even if it involves a few million dollars of funding, is unlikely to lead to a medical breakthrough. Instead, the MRFF should prioritise areas where Australia has a comparative advantage.</p> <p>This could involve building on past success (such as the research that led to the HPV, or human papillomavirus, vaccine to prevent cervical cancer), or where Australian researchers can play a critical role globally.</p> <p>However, there is an area where Australian researchers have an absolute advantage: using research to improve our own health system.</p> <p>A prime example would be finding ways to improve dental care access in Australia. For example, a randomised trial of different ways of providing insurance and dental services, similar to the <a href="https://www.rand.org/health-care/projects/hie.html">RAND Health Insurance Experiment</a> conducted in the United States in the 1970s.</p> <p>This could provide the evidence needed to design a sustainable dental scheme to complement Medicare. Now that is something the MRFF should consider as a funding priority.<!-- Below is The Conversation's page counter tag. Please DO NOT REMOVE. --><img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/209977/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /><!-- End of code. If you don't see any code above, please get new code from the Advanced tab after you click the republish button. The page counter does not collect any personal data. More info: https://theconversation.com/republishing-guidelines --></p> <p><em><a href="https://theconversation.com/profiles/adrian-barnett-853">Adrian Barnett</a>, Professor of Statistics, <a href="https://theconversation.com/institutions/queensland-university-of-technology-847">Queensland University of Technology</a> and <a href="https://theconversation.com/profiles/philip-clarke-1149967">Philip Clarke</a>, Professor of Health Economics, <a href="https://theconversation.com/institutions/university-of-oxford-1260">University of Oxford</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/medical-research-future-fund-has-20-billion-to-spend-heres-how-we-prioritise-who-gets-what-209977">original article</a>.</em></p>

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Five easy ways to use less water at home – and not just in a drought

<p><a href="https://theconversation.com/profiles/niko-wanders-1234321">Niko Wanders</a>, <em><a href="https://theconversation.com/institutions/utrecht-university-1354">Utrecht University</a></em></p> <p>With so much of the world suffering from drought, you might think your ability to help is minimal. But when you consider the average person in the UK uses around <a href="https://www.water.org.uk/news-item/vast-majority-of-brits-have-no-idea-how-much-water-they-use-each-day/">142 litres of water a day</a>, it’s easy to see how small changes to your routine can add up.</p> <p>More than half of the water that is extracted from rivers, streams and aquifers in the UK feeds the <a href="https://www.gov.uk/government/statistical-data-sets/env15-water-abstraction-tables">public water supply</a>. These abstractions, as they’re called, worsen drought conditions by draining local waterways, depriving vegetation, fish and other aquatic life of the water they need to survive droughts.</p> <p>Filling paddling pools to cool off, taking multiple showers each day to stay clean, watering the garden to revive wilting plants – all these extra activities contribute to a sharp increase in public water use on hot and dry days. And these impacts can endure for months, as freshwater systems need a lot of additional rainfall to recover from droughts.</p> <p>If each person can reduce their water use during a drought, it would significantly benefit the natural world in its recovery. Here are five things you can do, starting today.</p> <h2>1. Shower less</h2> <p>Most of the water you use is <a href="https://www.water.org.uk/news-item/vast-majority-of-brits-have-no-idea-how-much-water-they-use-each-day/">in the shower</a>. For every minute you’re under the shower head (depending on how powerful it is), around 10 litres of water drains away. Since most people shower for <a href="https://www.mirashowers.co.uk/blog/trends/revealed-what-brits-are-really-getting-up-to-in-the-bathroom-1/#:%7E:text=Most%20Brits%20(62%25)%20bathe,latest%20UK%20shower%20habits%20survey.">an average of seven minutes</a>, half of your daily water use takes place first thing in the morning.</p> <p>Turning off the shower while shampooing your hair or applying shower gel can help conserve water, as can shortening the length of your shower overall. Be sure not to switch to a bath though – the average soak in the tub uses <a href="https://www.water.org.uk/news-item/vast-majority-of-brits-have-no-idea-how-much-water-they-use-each-day/">around 80 litres of water</a>.</p> <h2>2. Use rainwater in the garden</h2> <figure class="align-right zoomable"><figcaption></figcaption></figure> <p>During a dry spell, the average gardener can use <a href="https://www.southwestwater.co.uk/siteassets/documents/uwu-0618-web-version.pdf">hundreds of litres</a> of water to keep their plants hydrated. Some people will use a watering can (good), others might leave a sprinkler on all day (bad). Most use drinking water, which is a waste – plants are happy with rain water.</p> <p>Add a water butt that collects the rain which falls on your roof and use it for the garden. To find out how to install one, <a href="https://www.youtube.com/watch?v=2jk0lstsu5o">watch this</a>.</p> <h2>3. Use the short flush</h2> <p>Per flush, your toilet uses about <a href="https://www.water.org.uk/news-item/vast-majority-of-brits-have-no-idea-how-much-water-they-use-each-day/">5 litres of water</a>, and up to 10 litres in older models. If available, use the short flush to significantly reduce how much water is wasted.</p> <h2>4. Cut back on car washing</h2> <p>If you need to wash your car, do it the old-fashioned way with a bucket and soap rather than hosing it down. The water contained in a bucket (<a href="https://www.water.org.uk/news-item/vast-majority-of-brits-have-no-idea-how-much-water-they-use-each-day/">roughly 30 litres</a>) is significantly less than the average that flows through a hose (around <a href="https://www.southwestwater.co.uk/siteassets/documents/uwu-0618-web-version.pdf">15 litres per minute</a>). Better yet, avoid washing your car entirely during a drought.</p> <h2>5. Reuse water</h2> <p>If you’re washing vegetables, you could collect the water in a bowl in the sink and later give it to the plants in your house or outside. While you’re waiting for warm water to come out of a tap, use the cold to fill the kettle. Close the tap while you’re lathering your hands with soap or brushing your teeth. Though these are only small savings, they do make a difference over time.</p> <p>Inflatable pools are lovely for cooling down on the hottest days. A cleaning pump can filter the water and recycle it without you needing to use more water to keep the pool clean.</p> <h2>Save water, save money</h2> <p>All these tips can significantly reduce your water use and combat the effects of drought on the environment. They can also save you money.</p> <p>If you’re able to renovate your home, it’s worth installing a system for collecting rain water which, combined with a pump, can flush toilets. In Belgium, for example, it is common practice to have such a system installed (effectively, a large underground water butt) in newly built houses.</p> <p>Most people would struggle to afford these kinds of measures, and so drought-proofing homes and communities should be part of the effort to adapt countries to the extreme weather expected in a rapidly warming world.</p> <p><em>Image credit: Shutterstock</em></p> <hr /> <figure class="align-right "><figcaption></figcaption></figure> <p><strong><em>Don’t have time to read about climate change as much as you’d like?</em></strong> <br /><em><a href="https://theconversation.com/uk/newsletters/imagine-57?utm_source=TCUK&utm_medium=linkback&utm_campaign=Imagine&utm_content=DontHaveTimeTop">Get a weekly roundup in your inbox instead.</a> Every Wednesday, The Conversation’s environment editor writes Imagine, a short email that goes a little deeper into just one climate issue. <a href="https://theconversation.com/uk/newsletters/imagine-57?utm_source=TCUK&utm_medium=linkback&utm_campaign=Imagine&utm_content=DontHaveTimeBottom">Join the 10,000+ readers who’ve subscribed so far.</a></em><!-- Below is The Conversation's page counter tag. Please DO NOT REMOVE. --><img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/187885/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /><!-- End of code. If you don't see any code above, please get new code from the Advanced tab after you click the republish button. The page counter does not collect any personal data. More info: https://theconversation.com/republishing-guidelines --></p> <hr /> <p><a href="https://theconversation.com/profiles/niko-wanders-1234321">Niko Wanders</a>, Assistant Professor in Hydrological Extremes, <em><a href="https://theconversation.com/institutions/utrecht-university-1354">Utrecht University</a></em></p> <p>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/five-easy-ways-to-use-less-water-at-home-and-not-just-in-a-drought-187885">original article</a>.</p>

Home & Garden

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Are bigger super funds better? Actually no, despite what the industry is doing

<p><a href="https://theconversation.com/profiles/geoff-warren-3657">G<em>eoff Warren</em></a><em>, <a href="https://theconversation.com/institutions/australian-national-university-877">Australian National University</a></em></p> <p>Australia’s superannuation funds are getting bigger – and fewer. There were <a href="https://www.theguardian.com/australia-news/2021/aug/29/australian-superannuation-mergers-cut-number-of-funds-by-half-in-a-decade">close to 400</a> funds in 2010. With mergers, it’s now <a href="https://www.investordaily.com.au/superannuation/53144-are-mega-funds-poised-to-dominate-the-super-industry">closer to 120</a>. By 2025, according to industry executives surveyed last year, there will be <a href="https://www.investordaily.com.au/superannuation/50971-rise-of-mega-funds-set-to-intensify-erasing-100-funds-by-2025">fewer than 50</a>.</p> <p>The portfolios of the two biggest super funds, AustralianSuper and Australian Retirement Trust, are bigger than even the federal government’s Future Fund Management Agency, which oversees the A$194 billion <a href="https://yearinreviewfy22.futurefund.gov.au/performance-results.html">Future Fund</a> and several other funds worth a total $242 billion.</p> <hr /> <p><iframe id="0wOBb" class="tc-infographic-datawrapper" style="border: none;" src="https://datawrapper.dwcdn.net/0wOBb/5/" width="100%" height="400px" frameborder="0"></iframe></p> <hr /> <p>Underpinning this consolidation is the idea that larger scale is beneficial for superannuation fund members. But that’s not necessarily true. A bigger fund is no guarantee of better returns.</p> <p>I’ve examined the issue of fund scale with Scott Lawrence, an investment manager with 35 year’s industry experience. Together we’ve written <a href="https://theconexusinstitute.org.au/wp-content/uploads/2023/03/Does-Size-Benefit-Super-Fund-Members-24-March-2023.pdf">a report</a> for the Conexus Institute, an independent research centre focused on superannuation issues.</p> <p>Our conclusion: funds, large and small alike, succeed or fail depending on how well they formulate and execute their strategies.</p> <h2>Managing assets in-house</h2> <p>The first potential benefit of bigger size is that funds can manage assets using their own dedicated investment professionals, rather than outsourcing everything to external investment managers to invest on their behalf.</p> <p>For example, UniSuper (the higher education industry fund) manages <a href="https://www.unisuper.com.au/investments/how-we-invest/investment-managers">70% of assets in-house</a>. AustralianSuper, with more than double UniSuper’s assets, manages <a href="https://www.australiansuper.com/-/media/australian-super/files/about-us/annual-reports/2022-annual-report.pdf">53% of assets</a> in-house.</p> <p>This can be cheaper than paying fees as a percentage of assets to these external providers. It offers more control as the super fund can decide the assets in which they invest, rather than leaving the decision to someone else.</p> <p>But fund members will only benefit if the internal team makes investment decisions that are as good as the service they are replacing. For this reason, there is no reliable correlation between performance and degree of in-house management.</p> <h2>Investing in big-ticket items</h2> <p>The second potential benefit is it becomes more possible to become successful direct investors in “big ticket” assets such as infrastructure and property, instead of just focusing on shares and other assets traded on stock exchanges.</p> <p>For example, AustralianSuper owns <a href="https://www.australiansuper.com/-/media/australian-super/files/about-us/media-releases/australiansuper-increases-investment-in-westconnex.pdf">20.5% of WestConnex</a>, Australia’s biggest infracture project, having contributed $4.2 billion to the consortium that is building the mostly underground toll-road system linking western Sydney motorways.</p> <p>Opportunities like this are easier to access by large funds, and can help to diversify their portfolios.</p> <p>But such direct investment is costlier than buying shares and bonds. This limits the potential for fee reductions.</p> <p>For members to benefit, these investments must deliver attractive returns. This requires a fund developing capability in what are specialised markets. Size alone won’t deliver on its own.</p> <h2>Economies of scale and scope</h2> <p>The third potential benefit is that size brings economies of scale and scope.</p> <p>Scale can reduce fees, by spreading the fund’s fixed costs over a larger member base.</p> <p>Our review of the research literature confirms there are solid reasons to expect administration costs to reduce with size, as well as in-house management reducing investment costs.</p> <hr /> <p><iframe id="26cxr" class="tc-infographic-datawrapper" style="border: none;" src="https://datawrapper.dwcdn.net/26cxr/3/" width="100%" height="400px" frameborder="0"></iframe></p> <hr /> <p>Economies of scope involve an organisation being able to improve or increase services, say by investing in better systems and more staff.</p> <p>But investing in better systems also brings potential pitfalls. Big visionary projects tend to run over time and over budget, and sometimes fail.</p> <p>An example is the disastrous attempts of five industry funds (AustralianSuper, Cbus Super, HESTA, Hostplus and MTAA Super) to develop a shared administration platform, called Superpartners. It was meant to cost $70 million, but development costs blew out to $250 million before <a href="https://www.investmentmagazine.com.au/2016/12/link-group-completes-superpartners-integration/">they gave up</a>.</p> <h2>Size brings its own challenges</h2> <p>Large funds also face some unique challenges. Because they have more money to invest, they have more work to do in finding sufficient attractive assets to buy.</p> <p>The risk is they need to accept some assets offering low returns to do so. They can also outgrow some market segments, such as owning shares in smaller companies.</p> <p>Large organisations are typically more complex, more bureaucratic and less flexible. They can find it difficult to coordinate staff to work towards a common purpose. These elements may create dysfunction if not managed.</p> <p>This may explain why, despite the potential increased scope of their offerings, surveys suggest large funds tend to deliver <a href="https://www.investmentmagazine.com.au/2022/08/members-willing-to-pay-for-better-service-post-retirement/">less personalised service</a>.</p> <p>So the idea “bigger is better” is not necessarily true. Large size is not an automatic win. Whether the advantages outweigh the disadvantages and challenges ultimately depends on fund trustees and management doing their jobs well so that members benefit.<!-- Below is The Conversation's page counter tag. Please DO NOT REMOVE. --><img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/203417/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /><!-- End of code. If you don't see any code above, please get new code from the Advanced tab after you click the republish button. The page counter does not collect any personal data. More info: https://theconversation.com/republishing-guidelines --></p> <p><em><a href="https://theconversation.com/profiles/geoff-warren-3657">Geoff Warren</a>, Associate Professor, College of Business and Economics, <a href="https://theconversation.com/institutions/australian-national-university-877">Australian National University</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/are-bigger-super-funds-better-actually-no-despite-what-the-industry-is-doing-203417">original article</a>.</em></p>

Retirement Income

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Super has become a taxpayer-funded inheritance scheme for the rich. Here’s how to fix it – and save billions

<p>Australia’s A$3.3 trillion superannuation system is supposed to boost people’s retirement incomes. The government says as much in its <a href="https://treasury.gov.au/sites/default/files/2023-02/c2023-361383.pdf">proposed leglislated objective</a> for superannuation. The system is supported by billions of dollars of tax breaks each year, ostensibly to that end. </p> <p>But there’s just one problem – increasingly, much of what is saved is never spent.</p> <p>Our new report, <a href="https://grattan.edu.au/report/super-savings-practical-policies-for-fairer-superannuation-and-a-stronger-budget">Super savings: Practical policies for fairer superannuation and a stronger budget</a>, points out that without an overhaul, super tax breaks are set to do little more than boost the inheritances of Australians with well-off parents. </p> <p>Super contributions and super earnings are both taxed more lightly than other income. These tax breaks cost the budget about $45 billion (2% of Australia’s gross domestic product, or GDP) each year.</p> <p>Treasury predicts that figure will hit 3% of GDP by 2060, and that the cost of super tax breaks will overtake the cost of the age pension by as soon as 2036.</p> <p>Super tax breaks are also unfair: about two-thirds go to the top 20% of earners. </p> <p>This means the tax breaks provide the biggest boost to the super accounts of high earners, who will almost all have a comfortable retirement regardless, and who tend to save the same regardless of the tax rate imposed. </p> <p>The wealthiest 10% of Australians get a bigger boost to their retirement savings from super tax breaks than poorer Australians get from the age pension.</p> <p>But much of what is saved for retirement never actually gets spent in retirement. </p> <p>Earlier research by <a href="https://grattan.edu.au/news/balancing-act/">Grattan Institute</a> and the <a href="https://treasury.gov.au/sites/default/files/2021-02/p2020-100554-udcomplete-report.pdf">2020 Retirement Income Review</a> found that, for a variety of reasons, spending falls substantially during retirement. Retirees often end up leaving much of their nest egg untouched, bequeathing it to their children.</p> <p>This means billions of dollars in super tax breaks simply end up boosting the inheritances received by the children of well-off parents. It makes super a taxpayer-funded inheritance scheme. </p> <p>This problem is set to get worse. With the rate of compulsory superannuation legislated to rise from 10.5% of wages to 12% by 2025, future generations of retirees are set to retire with even larger nest eggs that they will never spend. </p> <p>Treasury projects that by 2059, one in every three dollars paid out of the super system will be a bequest, up from one in every five today.</p> <p>Big inheritances boost the jackpot from the birth lottery. They help richer children get richer. Among the Australians who received an inheritance over the past decade, the wealthiest fifth received on average <a href="https://grattan.edu.au/news/the-great-australian-nightmare/">three times</a> as much as the poorest fifth.</p> <p>To help reverse this, the government needs to rein in the super tax breaks.</p> <h2>How to make super fairer</h2> <p>The government’s policy, <a href="https://ministers.treasury.gov.au/ministers/jim-chalmers-2022/media-releases/superannuation-tax-breaks">announced in February</a>, of taxing the earnings on balances bigger than $3 million at 30%, instead of 15%, will help. </p> <p>But the threshold ought to be lowered to $2 million. Balances between $2 million and $3 million are very unlikely to be spent in retirement, so winding back tax breaks on earnings on balances bigger than $2 million would further wind back taxpayer-funded bequests. </p> <p>And there’s more. Currently, many wealthier Australians receive a larger tax break per dollar contributed to super than many low income earners. </p> <p>Yet low earners have more to be compensated for. Putting money into their super cuts their age pension in retirement, and they live shorter lives, meaning less time to enjoy their super in retirement.</p> <p>The pre-tax contributions of people earning more than $220,000 a year should be taxed at 35%, instead of the 30% charged to those earning more than $250,000 currently. That would still offer a 10% tax break on super contributions for high earners (given the top marginal rate of 45%) and at least a 15% break on the contributions of low and middle earners. </p> <p>And the annual pre-tax contributions cap should be lowered from $27,500 to $20,000. Contributions above this level tend to be made by people close to retirement with already-high balances.</p> <h2>Tax earnings in retirement the same as while working</h2> <p>On the earnings side, the tax-free earnings enjoyed by retirees on their first $1.7 million ($1.9 million from 1 July this year) of their super should go.</p> <p>Superannuation earnings in retirement should be taxed at 15%, the same as superannuation earnings before retirement. This would save the budget at least $5.3 billion a year, and much more in future, and make taxing super more simple.</p> <p>More than 70% of this revenue would come from the top 20% of retirees. The top 10% would pay an extra $7,000 to $7,500 a year on average, whereas the poorest half would no more than $200 more each.</p> <p>Both sides of politics say they agree that super shouldn’t be a taxpayer-funded inheritance scheme. But there’s a long way to go before that vision is reality.</p> <p><em>Image credits: Getty Images</em></p> <p><em>This article originally appeared on <a href="https://theconversation.com/super-has-become-a-taxpayer-funded-inheritance-scheme-for-the-rich-heres-how-to-fix-it-and-save-billions-202948" target="_blank" rel="noopener">The Conversation</a>. </em></p>

Retirement Income

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What does your health fund know about living costs? Because health cover premiums are on the rise this year too!

<p>Have you noticed more scary headlines about ballooning inflation and climbing interest rates out there lately? While the media love their dramatic headlines, there’s more truth than usual in their scary stats.</p> <p>It’s no secret that a lot of us are feeling squeezed financially at the moment. The cost of living has shot up in recent months - from interest rates, to groceries, and new energy and fuel price hikes, it’s getting harder to make ends meet. </p> <p>Health cover is no exception.</p> <p>In fact, in 2023, health insurance premiums are set to rise by an average of 2.9%...</p> <p><strong>…but did you know that your fund can put your premium up by a lot more than that?</strong></p> <p>It’s true. </p> <p>Don't be fooled by any ‘average’ messaging. An ‘average increase’ is just that - an average. Your premium may be going up by a lot more.</p> <p><strong>OverSixty has partnered with </strong><span style="font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Oxygen, Ubuntu, Cantarell, 'Open Sans', 'Helvetica Neue', sans-serif;"><strong>Compare Club,</strong> </span><span style="font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Oxygen, Ubuntu, Cantarell, 'Open Sans', 'Helvetica Neue', sans-serif;">Australia’s most trusted team of health insurance experts,* who spend every day talking to Aussie families – and they’ve recently shared with us two examples:</span></p> <p>1. Kevin's policy has gone up by <strong>20% in 2 years</strong> - that’s a LOT more than the current rate of inflation it’s being blamed on.</p> <p>2. Cassie's family combined cover policy is <strong>going up by 13.67%</strong> or $33.60 a month - that’s over $400 a year on top of her current premium.</p> <p>We know how much households are hurting right now, so Compare Club talked to us about three smart ways to keep your health insurance premiums in check - without compromising your cover:</p> <p><strong>1.<span style="white-space: pre;"> </span>Downsize your policy - only pay for what you need:<br /></strong>Are you on a top tier policy you’re not fully using? You might find you can get a Silver Plus or Bronze Plus tier policy with a lower premium, and stay covered for what you need. </p> <p><strong>2.<span style="white-space: pre;"> </span>Split policies - health funds’ best kept secret: <br /></strong>If you and your partner have different health needs, splitting your cover across two different policies - or even two different funds - could save your family several hundred dollars in annual premiums. </p> <p><strong>3.<span style="white-space: pre;"> </span>Pay in advance - before your premium rises:<br /></strong>You may have noticed that a lot of health funds have delayed their premium increase this year. If yours is one of these, and you can afford to pay your full annual premium before the date of increase, you’ll lock in a full year’s worth of savings for yourself.</p> <p><strong>Know your options:</strong></p> <p><em>“Health funds are a competitive bunch, so you don’t have to take what your fund dishes out. If you've not reviewed your health cover recently, you could be paying an average of $785^ more than you need.” <strong>– Compare Club CEO, Andrew Davis.</strong></em></p> <p><strong>OverSixty has partnered with Compare Club’s experts</strong> who have saved over 136,500 customers an average of $300 on health cover premiums over the last five years^. </p> <p>We’re quite sure you have better things to do with your money than overpaying for health cover.</p> <p>Compare Club have been helping Aussies switch and save on health cover since 2010<sup>#</sup>, so get in touch and see how much their experts could save you.</p> <h4 style="box-sizing: border-box; margin-top: 0px; margin-bottom: 1rem; font-family: -apple-system, 'system-ui', 'Segoe UI', Roboto, 'Helvetica Neue', Arial, sans-serif, 'Apple Color Emoji', 'Segoe UI Emoji', 'Segoe UI Symbol', 'Noto Color Emoji'; line-height: 1.2; color: #212529; font-size: 1.5rem; background-color: #ffffff;">Call 1300 863 204 now, or visit <a style="box-sizing: border-box; color: #258440; text-decoration-line: none; background-color: transparent; transition: all 0.2s ease-in-out 0s;" href="https://lp.compareclub.com.au/over60/?utm_medium=partner&amp;utm_source=over60&amp;utm_campaign=raterise&amp;utm_content=nativearticle&amp;category=health" target="_blank" rel="noopener">compare.oversixty.com.au</a> to save today!</h4> <p style="box-sizing: border-box; margin-top: 0px; margin-bottom: 1rem; color: #212529; font-family: -apple-system, 'system-ui', 'Segoe UI', Roboto, 'Helvetica Neue', Arial, sans-serif, 'Apple Color Emoji', 'Segoe UI Emoji', 'Segoe UI Symbol', 'Noto Color Emoji'; font-size: 16px; background-color: #ffffff;"> </p> <p style="box-sizing: border-box; margin-top: 0px; margin-bottom: 1rem; color: #212529; font-family: -apple-system, 'system-ui', 'Segoe UI', Roboto, 'Helvetica Neue', Arial, sans-serif, 'Apple Color Emoji', 'Segoe UI Emoji', 'Segoe UI Symbol', 'Noto Color Emoji'; font-size: 16px; background-color: #ffffff;"> </p> <p style="box-sizing: border-box; margin-top: 0px; margin-bottom: 1rem; color: #212529; font-family: -apple-system, 'system-ui', 'Segoe UI', Roboto, 'Helvetica Neue', Arial, sans-serif, 'Apple Color Emoji', 'Segoe UI Emoji', 'Segoe UI Symbol', 'Noto Color Emoji'; font-size: 16px; background-color: #ffffff;"> </p> <p style="box-sizing: border-box; margin-top: 0px; margin-bottom: 1rem; color: #212529; font-family: -apple-system, 'system-ui', 'Segoe UI', Roboto, 'Helvetica Neue', Arial, sans-serif, 'Apple Color Emoji', 'Segoe UI Emoji', 'Segoe UI Symbol', 'Noto Color Emoji'; font-size: 16px; background-color: #ffffff;"><em><span style="box-sizing: border-box;">*Based on Trustpilot reviews, correct as of 04/01/23<br /></span>^Savings based on 136,746 customers between 1 Jan 2018 - 23 December 2022.</em><br /><em>#Compare Club compares selected products from a panel of trusted insurers. We do not compare all products in the market.</em></p>

Caring

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Losing the natural world comes with major risks for your super fund and bank

<p>As the economist Herman Daly pithily said, the economy is a wholly owned subsidiary of the environment – not the reverse. Nature makes our lives possible through what scientists call <a href="https://theconversation.com/do-humans-really-need-other-species-185171">ecosystem services</a>. Think healthy food, clean water, feed for livestock, building materials, medicine, flood and storm control, recreation, and attractions for tourists. </p> <p>Despite this, Australian businesses and financial institutions have so far failed to track how their activities both rely on and affect nature. This means our investments and superannuation could be exposed to <a href="https://post.parliament.uk/research-briefings/post-pn-0667/">hidden financial risks</a>because of nature loss – and may also contribute to the destruction of nature. </p> <p>That’s set to change. The private sector is <a href="https://theconversation.com/taking-care-of-business-the-private-sector-is-waking-up-to-natures-value-153786">waking up</a> to nature’s value (and the risks of losing it). The world’s biodiversity rescue plan <a href="https://theconversation.com/the-historic-cop15-outcome-is-an-imperfect-game-changer-for-saving-nature-heres-why-australia-did-us-proud-196731">agreed to last year</a> could help motivate governments and businesses to clean up their investments by directing more money to protect nature and less towards <a href="https://www.theguardian.com/environment/2020/oct/28/banks-lent-1-9tn-linked-to-ecosystem-and-wildlife-destruction-in-2019-report-aoe">bankrolling extinction</a>. </p> <p>There’s one crucial plank we’re missing though – mandatory reporting of how businesses both depend on and impact nature.</p> <h2>Nature and financial health are inextricably linked</h2> <p>Fully half of the world’s total economic activity – <a href="https://www.weforum.org/press/2020/01/half-of-world-s-gdp-moderately-or-highly-dependent-on-nature-says-new-report/">around A$61 trillion</a> – is moderately or highly dependent on nature and its services. </p> <p>In Australia, that figure is very similar: <a href="https://www.acf.org.au/the-nature-based-economy-how-australias-prosperity-depends-on-nature">around half</a> of our GDP – $896 billion – has a moderate to very high direct dependence on ecosystem services provided by nature.</p> <p>What happens when we breach nature’s limits? Ecosystem services seize up or collapse, eventually disrupting these sectors. The tireless pollination work of honeybees, for instance, is <a href="https://www.wheenbeefoundation.org.au/wp-content/uploads/2020/02/Karasinski-JM-2018_The-Economic-Valuation-of-Australian-Managed-and-Wild-Honey-Bee-Pollinators-in-2014-2015.pd">valued at</a> $14 billion a year. Or take Australia’s wheatbelt, where poor soil health is <a href="https://onlinelibrary.wiley.com/doi/10.1002/ldr.3130">now costing</a> farmers almost $2 billion a year in lost income. </p> <p>Ecosystem services are not hypothetical. They have real value – and we will absolutely notice if they are gone.</p> <h2>What does this have to do with my super?</h2> <p>Australia’s super sector is responsible for the retirement savings of around <a href="https://www.ato.gov.au/about-ato/research-and-statistics/in-detail/super-statistics/super-accounts-data/multiple-super-accounts-data/">12 million Australians</a>. Super funds are directly exposed to <a href="https://www.mckinsey.com/capabilities/sustainability/our-insights/sustainability-blog/nature-risk-is-the-next-challenge-that-demands-a-global-solution">financial risk</a> from nature loss through their investment portfolios. </p> <p>Just as farmers can’t grow crops without healthy soils or pollinators, developers can’t build apartments without timber or environmental permits. In turn, that has implications for their value as investments.</p> <p>And because so many sectors are exposed, classic investment strategies such as <a href="https://moneysmart.gov.au/how-to-invest/diversification">diversification</a> may no longer protect your super from losses. </p> <p>So what are our super funds and banks doing about it?</p> <p>To find out, we <a href="https://www.acf.org.au/risky-business-report">surveyed</a> ten super funds and ten retail banks about their responses to nature-related risks. The survey – commissioned by the Australian Conservation Foundation – is the first time this has been done in Australia. </p> <p>The findings? Not ideal. Every participating super fund and bank agreed the loss of nature now presented a serious risk to investment returns. They all agreed it was part of their responsibility to members and customers to measure and manage these risks. But only 20% of super funds and 10% of banks had attempted to assess how exposed they were.</p> <p>Again, this is not abstract. Super funds often have large holdings in the big four banks. Together, these banks have $170 billion in exposure to agriculture, mining, fisheries, and forestry – sectors directly reliant on a functioning natural world. </p> <p>So why isn’t it a higher priority? One issue may be that many financial institutions are currently focused on climate change, given how rapidly impacts are mounting. But climate change and the breakdown of natural systems are twin crises. Nature offers far and away the largest method of taking carbon back out of the atmosphere, for instance. But that only works if salt marshes and wetlands and forests are intact. </p> <p>Net zero targets for our banks and super funds are not fully credible unless there is a commitment to end the <a href="https://www.un.org/en/climatechange/high-level-expert-group">financing of deforestation</a>. Only one organisation, Australian Ethical, had made such a commitment.</p> <p>You would think Australia’s super funds and banks would be interested to find out how exposed their investments were to this growing risk. Tools to do this such as <a href="https://www.ibat-alliance.org/">IBAT</a> and <a href="https://encore.naturalcapital.finance/en">ENCORE</a> are readily available. </p> <p>But to date, our survey findings don’t indicate banks and funds will do this <a href="https://www.greenbiz.com/article/why-more-firms-think-mandatory-biodiversity-risk-reporting-needed">voluntarily</a>. </p> <h2>Banks and super funds may soon have to report these risks</h2> <p>The biodiversity rescue plan agreed to last year – known as the <a href="https://www.cbd.int/doc/decisions/cop-15/cop-15-dec-04-en.pdf">Kunming-Montreal agreement</a> – is intended to set expectations for responsible finance and business globally, as the Paris Agreement did for climate change. </p> <p>That means Australia will be expected to introduce disclosure requirements. If this comes to pass, banks, super funds, and the businesses they invest our savings in will have to measure and publicly report their impact on nature – as well as how much they rely on nature to make a profit.</p> <p>First, though, the Australian government must introduce mandatory nature risk reporting. It’s already moving ahead with plans to make climate risk disclosures <a href="https://treasury.gov.au/consultation/c2022-314397">mandatory</a>. </p> <p>Treasurer Jim Chalmers has indicated nature is <a href="https://ministers.treasury.gov.au/ministers/jim-chalmers-2022/speeches/address-australian-sustainable-finance-institute-sydney">also on his radar</a>.</p> <p>The question then will be whether making this information public will actually do what we hope it will and use money to help natural systems rather than extract from them.</p> <h2>What happens next?</h2> <p>Since taking office, the Labor government has pledged to take action on the perilous decline of the natural world with plans such as bringing the value of nature into our <a href="https://www.theguardian.com/australia-news/2022/dec/16/cop15-australia-us-commit-to-measuring-value-of-nature-and-reflecting-it-in-national-accounts">national accounts</a>. </p> <p>While positive, the real action won’t happen until nature risk reporting is mandatory, <a href="https://theconversation.com/complete-elation-greeted-pliberseks-big-plans-to-protect-nature-but-hurdles-litter-the-path-196287">environment laws with teeth</a> are introduced, and until both governments and private industry direct <a href="https://conbio.onlinelibrary.wiley.com/doi/pdf/10.1111/conl.12682">serious money</a> into helping nature, not harming it. Risky <a href="https://theconversation.com/the-government-hopes-private-investors-will-help-save-nature-heres-how-its-scheme-could-fail-193010">nature credit markets</a> aren’t going to cut the mustard. </p> <p>You don’t have to sit back and wait. Why not ask your super fund and bank what nature-related risks they are exposing your money to?</p> <p><em>Image credits: Getty Images</em></p> <p><em>This article originally appeared on <a href="https://theconversation.com/losing-the-natural-world-comes-with-major-risks-for-your-super-fund-and-bank-198669" target="_blank" rel="noopener">The Conversation</a>. </em></p>

Retirement Income

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Super funds should use their substantial holdings for public good

<p>Last month Federal Treasurer Jim Chalmers unveiled the <a href="https://theconversation.com/albanese-governments-first-budget-delivers-election-promises-but-forecasts-soaring-power-prices-192844">National Housing Accord</a>, intended to build a million new homes in Australia. Part of the plan is to encourage superannuation funds to invest in social and affordable housing. </p> <p>The proposal was met with <a href="https://www.theage.com.au/money/super-and-retirement/only-if-the-return-stacks-up-super-funds-will-demand-sweeteners-to-back-labor-housing-plan-20221028-p5btsq.html">criticism</a> from some quarters, with <a href="https://www.macrobusiness.com.au/2022/09/hey-labor-hands-off-our-superannuation-savings/">critics arguing</a>Australia’s superannuation savings belongs to its members, "it is their money, not Labor’s play money."</p> <p>These critics are forgetting it was not so long ago people’s taxes (which can also be seen as “their” money) paid everyone’s pensions. And while in consolidated revenue on their way to keeping us in comfort in our old age, these taxes helped build extensive public and social infrastructure.</p> <p>The transfer of retirement funding from the national government to non-government super funds is just one example of the shift from public provision of social goods towards individual accumulation that has defined Australian politics for four decades. This shift, along with associated income tax cuts, has contributed directly to the housing affordability crisis via the emphasis on property as an investment. </p> <p>Australia’s super funds now control <a href="https://www.superannuation.asn.au/resources/superannuation-statistics">$3.3 trillion</a> – the <a href="https://treasury.gov.au/publication/p2020-super">fourth-largest pool</a> of retirement savings in the world. </p> <p>Most of them invest in <a href="https://www.marketforces.org.au/superfunds/">fossil fuels</a> and some, directly or indirectly, in <a href="https://novowealth.com.au/the-dirty-dozen-part-3/">armaments</a>, exploited labour and old-growth logging. All of them invest <a href="https://www.investordaily.com.au/superannuation/50298-super-funds-continue-shift-to-international-investments">internationally</a>where, if they are not doing actual harm, they are still not doing any good for their members in Australia beyond delivering financial returns.</p> <p>Super funds are regulated by federal legislation which originally stipulated they must act in the “<a href="https://theconversation.com/labor-is-winding-back-reforms-meant-to-hold-super-funds-accountable-to-their-members-187594">best interests of their members</a>”. This was changed by the Coalition government in 2020 to read “<a href="https://archive.budget.gov.au/2020-21/factsheets/download/your_future_your_super_factsheet.pdf">best financial interests</a>”. It is this requirement that has the critics of Chalmers’ plan <a href="https://grattan.edu.au/news/super-funds-cant-solve-our-affordable-housing-problem/">baulking</a>: how can it be in members’ best financial interests to invest in social housing?</p> <h2>Why super funds should invest in social housing</h2> <p>If even 1% of the $3 trillion – $30 billion – were invested in social housing, rental pressures in the private housing market would be massively reduced as tens of thousands of households currently in the private rental market vacated those dwellings for new social housing. </p> <p>The flow-on effects of decent secure housing, including improvements in physical and mental health, and general social welfare are <a href="https://journals.sagepub.com/doi/full/10.1177/08854122211012911">well</a> <a href="https://www.ahuri.edu.au/sites/default/files/migration/documents/Final-Report-Trajectories-the-interplay-between-housing-and-mental-health-pathways.pdf">documented</a>. </p> <p>The Albanese government could re-amend the regulations to their earlier form, and could require all super funds to invest a proportion of their portfolios in socially and ethically beneficial activities.</p> <p>Super fund members are workers and members of society too, making up most of the adult population. They would all benefit from a more equal society. </p> <h2>Investing for social good is already happening</h2> <p>Some local funds and other financial institutions are already investing in social goods. Various super funds like <a href="https://www.cbussuper.com.au/super/my-investment-options/investing-in-australia#:%7E:text=Cbus%20Super%27s%20social%20and%20affordable%20housing%20investment&amp;text=The%20Fund%20has%20been%20a,more%20social%20and%20affordable%20housing.">CBus</a> and community banks like <a href="https://bankaust.com.au/impact-finance/inclusive-and-accessible-housing">Bank Australia</a>invest in or give low-interest loans to community housing associations. Australian Super has a 25% stake in <a href="https://assemblecommunities.com/australiansuper-makes-cornerstone-investment-in-assemble-communities/">Assemble</a>, an affordable housing developer – bought before the 2020 amendment.</p> <p>They are taking small steps in a direction that is well-established in many European countries, where the notion of corporate responsibility has much greater resonance. This can be seen in the German constitution, which stipulates property ownership entails obligations, and “<a href="https://www.deutschland.de/en/topic/politics/the-german-basic-law-article-14-property-and-the-right-of-inheritance-shall-be">its use shall also serve the public good</a>.”</p> <p>European funds are finding low-yielding, slow-returning investments in social and co-operative housing complement their diverse portfolios well. Germany’s <a href="https://www.umweltbank.de/_Resources/Persistent/3/8/c/c/38ccacb3aabab0e602c8da17624d59d40b4b385f/20220705_UmweltBank_Anno_engl.pdf">UmweltBank</a> supports various housing initiatives including the famous <a href="https://www.umweltbank.de/2019/sauber-finanziert/wohnprojekt-spreefeld">Spreefeld co-op</a> in Berlin, which provides a steady, low-risk return. </p> <p>Investments in social housing are regarded as the lowest risk of all, as rents are mostly paid from financial assistance guaranteed by the state. Pension funds and community banks can commit to the long term, unlike <a href="https://overland.org.au/2021/12/vulture-landlords-and-the-justice-washing-of-housing-struggle/comment-page-1/#comment-1060442">corporate investors</a> that purchase social housing for a limited period before selling it on the private market.</p> <p>Oversight of these initiatives must be careful and regulated, but there is no reason why they should not be implemented. Chalmers’ plan should be applauded, and could go much further.</p> <p><em>Image credits: Getty Images</em></p> <p><em>This article originally appeared on <a href="https://theconversation.com/super-funds-should-use-their-substantial-holdings-for-public-good-194443" target="_blank" rel="noopener">The Conversation</a>. </em></p>

Retirement Income

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Retiree shocked to find super account drained of funds

<p dir="ltr">A retired couple have received the shock of their life after finding out their super was drained to next to nothing after years of hard work. </p> <p dir="ltr">Stephen Lockwood worked his entire life but was forced to retire after having open-heart surgery, a plate placed in his neck for sciatic nerve, and two hip replacements. </p> <p dir="ltr">At 65 years old, Stephen believed that he had enough in his super account for him and his wife Denise.</p> <p dir="ltr">But when Denise went to take a look at the account, she was horrified to find only $48,863.80 of the expected $200,000 that was meant to be in there. </p> <p dir="ltr">It is understood that in 2010, Stephen took advice from MBA Financial Strategists to merge all his super accounts into one.</p> <p dir="ltr">Based on life insurance cover, all three accounts were merged into AXA's Summit Personal Super Plan before merging into AMP the following year.</p> <p dir="ltr">Five years later, Stephen had a record of $79,613.71 in his super but things took a turn despite the couple contributing $800 each month. </p> <p dir="ltr">This was caused by multiple fees each month, particularly for his life insurance and total permanent disability cover, which almost quadrupled from $509 per month in 2013 to $1960 a month this year. </p> <p dir="ltr">He was also being charged for a financial advisor. </p> <p dir="ltr">"They were taking $24,000 a year," Stephen told <a href="https://9now.nine.com.au/a-current-affair/adelaide-couple-call-out-superannuation-fees/3bf0e217-3d45-4dd2-b155-7842490d0205?ocid=Social-9News&amp;fbclid=IwAR0r0e5KfoEOrTIjSGaa_K70Cf7fGheE6E6HeLrsWbGFxDBx6y_pyGX5iv4" target="_blank" rel="noopener">A Current Affair</a>.</p> <p dir="ltr">Stephen admitted he wasn’t keeping tabs on his account and assumed that being charged for an advisor from MBA Financial Strategist was okay. </p> <p dir="ltr">MBA Financial Strategists told the publication that they attempted to reach out to Stephen in 2017 but heard no response. </p> <p dir="ltr">"At his most recent review in 2017, we alerted Mr Lockwood that his life insurer was increasing his premiums and it would be prudent to review his level of cover," a spokesperson told A Current Affair.</p> <p dir="ltr">"We made multiple attempts to contact Mr Lockwood over a number of years to assist with his annual review, however due to lack of contact we ceased charging his annual fee for advice in 2020.”</p> <p dir="ltr">Stephen’s account has since been referred to the Australian Financial Complaints Authority with AMP cooperating to receive the best possible solution. </p> <p dir="ltr"><em>Image: ACA</em></p>

Retirement Life

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Record-busting droughts are uncovering long-lost relics

<p dir="ltr">As much of the Northern Hemisphere experiences record-breaking droughts, the drying up of lakes, rivers and other bodies of water has exposed more than just dirt and debris.</p> <p dir="ltr">In Spain, a prehistoric circle of stones dubbed “Spanish Stonehenge” has emerged in a drying dam in the central province of Caceres. Since it was first discovered in 1926 and was subsequently covered by floodwaters, the stones have only been visible four times.</p> <p><span id="docs-internal-guid-69e9e002-7fff-0420-4ae2-bd5f650e4fd8"></span></p> <p dir="ltr">Elsewhere in Europe, 20 German WWII warships have been exposed, sunken in the Danube River near Serbia’s river port town of Prahovo.</p> <p dir="ltr"><img src="https://oversixtydev.blob.core.windows.net/media/2022/09/ww2-ships.jpg" alt="" width="1280" height="720" /></p> <p dir="ltr"><em>Twenty Nazi warships emerged as the Danue River continues to dry up. Image: Reuters (YouTube) </em></p> <p dir="ltr">The Nazi German ships were among hundreds that sailed up the Danube while retreating from Soviet forces in 1944, and still hamper traffic traversing the river when water levels are low.</p> <p dir="ltr">In late July, a previously submerged WWII bomb weighing a whopping 450kg was discovered in the River Po, as the country declared a state of emergency in areas around the lengthy river as a result of the low water levels.</p> <p dir="ltr"><span id="docs-internal-guid-8607bc8a-7fff-40e9-c277-fb640bddce8a"></span></p> <p dir="ltr">The ageing explosive was defused in a controlled explosion by military experts earlier this month near the village of Bogo Virgilio, but not before about 3,000 people were evacuated from the area, per <em><a href="https://www.aljazeera.com/news/2022/8/20/europes-drought-exposes-wwii-ships-bombs-and-prehistoric-stones" target="_blank" rel="noopener">Al Jazeera</a></em>.</p> <p dir="ltr"><img src="https://oversixtydev.blob.core.windows.net/media/2022/09/bomb1.jpg" alt="" width="1280" height="720" /></p> <p dir="ltr"><em>Military experts were deployed to detonate a 450kg bomb uncovered in Italy’s Polo River. Image: Global News (YouTube)</em></p> <p dir="ltr">Meanwhile, droughts in the US have exposed ancient footprints belonging to dinosaurs, as well as victims of suspected mob killings.</p> <p dir="ltr"><span id="docs-internal-guid-5c588192-7fff-5897-d1fc-eec76d0abe5a"></span></p> <p dir="ltr">In early July, the skeletal remains of a man who was shot in the head, stuffed in a barrel and tossed into Lake Mead, located outside the city of Las Vegas, were uncovered, with experts believing he would have died in the 1980s.</p> <p dir="ltr"><img src="https://oversixtydev.blob.core.windows.net/media/2022/09/dino-tracks.jpg" alt="" width="1280" height="720" /></p> <p dir="ltr"><em>Dinosaur tracks believed to be 113 million years old were found in a state park in Texas. Image: Texas Park and Wildlife Department</em></p> <p dir="ltr">The lake, along with the Hudson River, provides most of southern Nevada’s drinking water and has reached its lowest point since it was filled 90 years ago, as reported by <em><a href="https://www.forbes.com/sites/priyashukla/2022/05/03/drought-reveals-homicide-victim-as-lake-mead-recedes/?sh=6d6c198f3943" target="_blank" rel="noopener">Forbes</a></em>.</p> <p dir="ltr">A discovery of Jurassic proportions was made at Dinosaur Valley State Park in Texas, after footprints believed to date back 113 million years were found.</p> <p dir="ltr">The tracks belong to the Arocanthosaurus, a bipedal dinosaur with three toes and a claw on each limb, per <em><a href="https://www.nytimes.com/2022/08/24/science/dinosaur-tracks-texas-drought.html" target="_blank" rel="noopener">The New York Times</a></em>.</p> <p dir="ltr">Others that were also uncovered belong to Sauroposeidon proteles, a 15-metre-long dinosaur with a long neck and small head.</p> <p dir="ltr">As the fierce weather continues, experts believe more of these kinds of finds will emerge.</p> <p dir="ltr"><span id="docs-internal-guid-8560d718-7fff-73ba-3d6f-4e601c7ccece"></span></p> <p dir="ltr"><em>Images: Texas Park and Wildlife Department / Reuters (YouTube)</em></p>

International Travel

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How do I find out what my superannuation fund invests in? A finance expert explains

<p>You want your superannuation savings to be invested in things that also serve the planet’s long-term interests. But how can you be sure your fund’s values align with yours – or even its own claims?</p> <p>This question has become increasingly pertinent as demand for environmentally and socially sustainable investments <a href="https://asic.gov.au/about-asic/news-centre/find-a-media-release/2022-releases/22-141mr-how-to-avoid-greenwashing-for-superannuation-and-managed-funds/">grows</a> – and with it incentives for financial institutions to put the best spin on their offerings. </p> <p>One consultancy specialising in “responsible investment” reckons <a href="https://thenewdaily.com.au/finance/superannuation/2021/08/16/greenwashing-super-funds/">10% of the funds</a> it has examined do not have the sustainability orientation they claim.</p> <p>Among those <a href="https://www.edo.org.au/2022/08/10/hestas-fossil-fuel-investments-may-amount-to-a-breach-of-the-law/">accused of greenwashing</a> in recent months is one of Australia’s biggest super funds, HESTA (the industry fund for health and community service workers), which has promoting its “clean energy” credentials while still holding shares in fossil-fuel companies <a href="https://www.ai-cio.com/news/australias-hesta-accused-of-greenwashing/">Woodside and Santos</a>.</p> <p>So how can you check what your superannuation fund invests in? </p> <p>Super funds are legally obliged to disclose how they invest your money in two different disclosure documents – a Product Disclosure Statement and a Portfolio Holdings Disclosure. </p> <p>Both will be available on a super fund’s website, though how easily you can find them will vary.</p> <p>The rest of this article is going to explain what information these documents provide, how useful this information is likely to be, and your best bet to ensure your super fund reflects your values.</p> <h2>The Product Disclosure Statement</h2> <p>Product disclosure statements are required by the financial regulator (the Australian Securities and Investments Commission) for all financial products. </p> <p>This document outlines the most basic but important information of an investment product’s features, benefits, risks and costs, including fees and taxes. The format is standardised, with one section (Section 5) covering with “How we invest your money”. </p> <p>The information it contains is broad. At best you’ll learn how the fund splits its investments between safe and riskier assets, and between different asset classes – Australian shares, international shares, property trusts, infrastructure trust, cash and so on.</p> <h2>Portfolio Holding Disclosure</h2> <p>For a comprehensive look at where your money is invested in, you can consider the Portfolio Holdings Disclosure. </p> <p>This document lists a fund’s complete holdings – including the percentage and value of every single company stock held.</p> <p>Portfolio holdings disclosures are relatively new, being obligatory only since March 2022 under <a href="https://www.legislation.gov.au/Details/F2021L01531">legislation</a> meant to improve transparency in the sector.</p> <p>However, super funds aren’t obliged to provide this information in a consistent, easily understandable way. </p> <p>For a non-expert who doesn’t know what to look for, the level of detail can be mind-boggling. You may find yourself scrutinising a spreadsheet listing thousands of items.</p> <p>The Australian Retirement Trust’s Portfolio Holdings Disclosure for its “Lifecycle Balanced Pool”, for example, has more than <a href="https://www.australianretirementtrust.com.au/investments/what-we-invest-in/superannuation-investments">8,000</a> line items.</p> <p>Some super funds have made the effort to provide this information in a more user-friendly format. An example is Future Super, which allows you to <a href="https://www.futuresuper.com.au/everything-we-invest-in/?utm_source=google&amp;utm_medium=cpc&amp;utm_campaign=1757241588&amp;utm_content=68234193065&amp;utm_term=future%20super&amp;campaigntype=SearchNetwork-1757241588&amp;device=c&amp;campaignid=1757241588&amp;adgroup=68234193065&amp;keyword=future%20super&amp;matchtype=p&amp;placement=&amp;adposition=&amp;location=9069039&amp;gclid=CjwKCAjwmJeYBhAwEiwAXlg0AYOEe2tJViZiZBgUk3bt1h9LNuHx1jWnGy6VzqGaNjBzOEi60852JRoCel8QAvD_BwE">search and filter</a> portfolio holdings by asset class and country of origin. </p> <p>But if your concern is to avoid investing in some specific activity such as in mining fossil fuels or gambling, you’ll need to know the companies and other assets you want to avoid for this to be helpful.</p> <h2>Your best options</h2> <p>This is not to say portfolio holding disclosure obligations are useless. They are incredibly useful – a huge leap forward in the sector’s accountability. They just aren’t designed for consumers. </p> <p>So there is still much work to be done to make the sector truly transparent. </p> <p>What would really help is independent certification and ratings of super products, similar to government websites and programs that certify energy efficiency and allow comparison of electricity plans. </p> <p>In the meantime, I can offer you one big tip.</p> <p>Choose a specific superannuation product that markets itself on its environmental or social sustainability credentials. Most super funds now provide these choices alongside their more traditional investment options.</p> <p>There is a variety of “screening” approaches to ethical investments. Some exclude entire sectors. Others include the best environmental and social performers even among “sinful” industries such as tobacco or weapons.</p> <p>So just because a super product is marketed as “ethical” or “sustainable” doesn’t guarantee you will agree with all its investments. </p> <p>But there is a much higher likelihood of it living up to its claims due to greater scrutiny by third parties such as environmental groups as well as the financial regulator. </p> <p>The Australian Securities and Investments Commission put super funds on notice earlier this year with a “<a href="https://asic.gov.au/regulatory-resources/financial-services/how-to-avoid-greenwashing-when-offering-or-promoting-sustainability-related-products/">guidance note</a>” about the growing risk of greenwashing in sustainability-related financial products. </p> <p>It reminded funds that “making statements (or disseminating information) that are false or misleading, or engaging in dishonest, misleading or deceptive conduct in relation to a financial product or financial service” is against the law.</p> <p>So super funds know their portfolios are being scrutinised.</p> <p>Switching your investment option or fund is simpler than you think. You only need to fill out and lodge a form. Just be sure to compare fees and performance, and seek a second opinion from trustworthy adviser before “voting with your wallet”.</p> <p><em>Image credits: Getty Images</em></p> <p><em>This article originally appeared on <a href="https://theconversation.com/how-do-i-find-out-what-my-superannuation-fund-invests-in-a-finance-expert-explains-188802" target="_blank" rel="noopener">The Conversation</a>. </em></p>

Retirement Income

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European droughts could jeopardise cruising’s future

<p dir="ltr">With much of Europe and the UK recording devastating droughts, plummeting water levels in rivers and lakes are posing a threat to trade, industry and another sector: tourism.</p> <p dir="ltr">According to the European Union’s European Drought Observatory, around 63 percent of the land across the EU and UK, while the UK declared a drought in eight out of 14 areas shortly after.</p> <p dir="ltr">One body of water hit hard by the hot and drying weather is the Rhine, an important trade route and a popular inclusion on cruise itineraries.</p> <p dir="ltr">A critical juncture of the river at the German town of Kaub recorded water levels of just 36 centimetres over the weekend, sinking below the level at which commercial shipping becomes unprofitable.</p> <p dir="ltr">Clare Weeden, a principal lecturer in tourism and marketing at the University of Brighton, told <em><a href="https://edition.cnn.com/travel/article/europe-drought-river-cruising/index.html" target="_blank" rel="noopener">CNN</a></em> that this isn’t news, with low levels on the Rhine and Daube rivers seeing cruise passengers bussed from one destination to another over the past five or six years.</p> <p dir="ltr">"Anybody who operates river cruise boats would have had an understanding of this because of the way the climate has changed in the last 20 years," she explained.</p> <p dir="ltr">But, with the coinciding rise of river cruising’s popularity with the climate crisis, Weeden said Europe’s traditional cruising is “definitely going to suffer”.</p> <p dir="ltr">The situation is similar across Europe, with parts of France’s famed Loire river drying up almost completely and some canals being closed.</p> <p dir="ltr">As for the Danube, emergency dredging is taking place on the lower river, through Serbia, Romania and Bulgaria, while the water levels in the Hungary stretch have meant that trade vessels, averaging 1600 tonnes, can only navigate the river without cargo.</p> <p dir="ltr">While some cruises have been unaffected, passengers on some lines have been unable to travel to Budapest by water, instead being bussed or flown from other destinations.</p> <p dir="ltr">In the UK, the source of the Thames has moved downriver by five miles (or eight metres), a first in the country’s history.</p> <p dir="ltr">For those with tours lined up, don’t cancel just yet. Helen Prochilo of Promal Vacations suggests those who have booked their trips make regular calls to their river cruise line to check the conditions.</p> <p dir="ltr">For visitors still considering booking a tour, Prochilo advises to book earlier in the season or simply wait until next year.</p> <p dir="ltr">Susanne Etti, an environmental impact manager at Intrepid Travel, has called this year’s summer “a wake-up call for the entire sector”.</p> <p dir="ltr">“Travel has a front row seat as climate change unfolds in the destinations we visit and, if this becomes a standard summer, it will massively impact our industry,” Etti said.</p> <p dir="ltr">“Unless urgent action is taken on climate change, the reality is that extreme weather is going to have an impact on the destinations and communities we visit.”</p> <p><span id="docs-internal-guid-693be9c9-7fff-aaf7-af04-c5f69ee015d7"></span></p> <p dir="ltr"><em>Image: Getty Images</em></p>

Cruising

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Five easy ways to use less water at home – and not just in a drought

<p>With so much of the world suffering from drought, you might think your ability to help is minimal. But when you consider the average person in the UK uses around <a href="https://www.water.org.uk/news-item/vast-majority-of-brits-have-no-idea-how-much-water-they-use-each-day/">142 litres of water a day</a>, it’s easy to see how small changes to your routine can add up.</p> <p>More than half of the water that is extracted from rivers, streams and aquifers in the UK feeds the <a href="https://www.gov.uk/government/statistical-data-sets/env15-water-abstraction-tables">public water supply</a>. These abstractions, as they’re called, worsen drought conditions by draining local waterways, depriving vegetation, fish and other aquatic life of the water they need to survive droughts.</p> <p>Filling paddling pools to cool off, taking multiple showers each day to stay clean, watering the garden to revive wilting plants – all these extra activities contribute to a sharp increase in public water use on hot and dry days. And these impacts can endure for months, as freshwater systems need a lot of additional rainfall to recover from droughts.</p> <p>If each person can reduce their water use during a drought, it would significantly benefit the natural world in its recovery. Here are five things you can do, starting today.</p> <h2>1. Shower less</h2> <p>Most of the water you use is <a href="https://www.water.org.uk/news-item/vast-majority-of-brits-have-no-idea-how-much-water-they-use-each-day/">in the shower</a>. For every minute you’re under the shower head (depending on how powerful it is), around 10 litres of water drains away. Since most people shower for <a href="https://www.mirashowers.co.uk/blog/trends/revealed-what-brits-are-really-getting-up-to-in-the-bathroom-1/#:%7E:text=Most%20Brits%20(62%25)%20bathe,latest%20UK%20shower%20habits%20survey.">an average of seven minutes</a>, half of your daily water use takes place first thing in the morning.</p> <p>Turning off the shower while shampooing your hair or applying shower gel can help conserve water, as can shortening the length of your shower overall. Be sure not to switch to a bath though – the average soak in the tub uses <a href="https://www.water.org.uk/news-item/vast-majority-of-brits-have-no-idea-how-much-water-they-use-each-day/">around 80 litres of water</a>.</p> <h2>2. Use rainwater in the garden</h2> <p>During a dry spell, the average gardener can use <a href="https://www.southwestwater.co.uk/siteassets/documents/uwu-0618-web-version.pdf">hundreds of litres</a> of water to keep their plants hydrated. Some people will use a watering can (good), others might leave a sprinkler on all day (bad). Most use drinking water, which is a waste – plants are happy with rain water.</p> <p>Add a water butt that collects the rain which falls on your roof and use it for the garden. To find out how to install one, <a href="https://www.youtube.com/watch?v=2jk0lstsu5o">watch this</a>. </p> <h2>3. Use the short flush</h2> <p>Per flush, your toilet uses about <a href="https://www.water.org.uk/news-item/vast-majority-of-brits-have-no-idea-how-much-water-they-use-each-day/">5 litres of water</a>, and up to 10 litres in older models. If available, use the short flush to significantly reduce how much water is wasted.</p> <h2>4. Cut back on car washing</h2> <p>If you need to wash your car, do it the old-fashioned way with a bucket and soap rather than hosing it down. The water contained in a bucket (<a href="https://www.water.org.uk/news-item/vast-majority-of-brits-have-no-idea-how-much-water-they-use-each-day/">roughly 30 litres</a>) is significantly less than the average that flows through a hose (around <a href="https://www.southwestwater.co.uk/siteassets/documents/uwu-0618-web-version.pdf">15 litres per minute</a>). Better yet, avoid washing your car entirely during a drought.</p> <h2>5. Reuse water</h2> <p>If you’re washing vegetables, you could collect the water in a bowl in the sink and later give it to the plants in your house or outside. While you’re waiting for warm water to come out of a tap, use the cold to fill the kettle. Close the tap while you’re lathering your hands with soap or brushing your teeth. Though these are only small savings, they do make a difference over time.</p> <p>Inflatable pools are lovely for cooling down on the hottest days. A cleaning pump can filter the water and recycle it without you needing to use more water to keep the pool clean.</p> <h2>Save water, save money</h2> <p>All these tips can significantly reduce your water use and combat the effects of drought on the environment. They can also save you money.</p> <p>If you’re able to renovate your home, it’s worth installing a system for collecting rain water which, combined with a pump, can flush toilets. In Belgium, for example, it is common practice to have such a system installed (effectively, a large underground water butt) in newly built houses. </p> <p>Most people would struggle to afford these kinds of measures, and so drought-proofing homes and communities should be part of the effort to adapt countries to the extreme weather expected in a rapidly warming world.</p> <p><em>Image credits: Getty Images</em></p> <p><em>This article originally appeared on <a href="https://theconversation.com/five-easy-ways-to-use-less-water-at-home-and-not-just-in-a-drought-187885" target="_blank" rel="noopener">The Conversation</a>. </em></p>

Home & Garden

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Mayan city collapse over 500 years ago linked to drought and social instability

<p>The Mayan civilisation was among the most advanced on Earth, based in Central America. But it wasn’t all smooth sailing even before the arrival of Europeans in the 16th century.</p> <p>Mayapán, 40km to the south-east of the modern city of Merida, in Mexico, was the political and cultural capital of the Maya in the Yucatán peninsula with thousands of buildings and a population of 15,000-17,000 during the city’s peak. Emerging in 1200CE, the city was eventually abandoned in 1450CE after its despotic rulers from the house of Cocom were overthrown.</p> <p>New research published in Nature Communications suggests that the civil unrest which led to the collapse of Mayapán emerged as a result of climatic changes.</p> <p>The interdisciplinary team included researchers from Australia’s University of New South Wales, the University of California in the US and the University of Cambridge in the UK. Their findings shed light on the impact of changes in the climate on societies, making use of records from the city from before the Colonial Period.</p> <p>A prolonged drought, the authors suggest, lasting between 1400 and 1450CE escalated existing social tensions in the city. The effects of the drought on food availability in particular provided the impetus for the civil conflict which eventually led to the city’s abandonment.</p> <p>“Our data indicate that institutional collapse occurred in the environmental context of drought and conflict within the city,” the authors explain. “Vulnerabilities of this coupled natural-social system existed because of the strong reliance on rain-fed maize agriculture, lack of centralised long-term grain storage, minimal opportunities for irrigation, and a sociopolitical system led by elite families with competing political interests, from different parts of the Yucatán Peninsula. We argue that long-term, climate-caused hardships provoked restive tensions that were fanned by political actors whose actions ultimately culminated in political violence more than once at Mayapán.”</p> <p>In addition to looking at the climate (political and environmental) during the collapse of Mayapán, the researchers also looked directly at human remains found in the ancient city.</p> <p>“Direct radiocarbon dates and mitochrondrial DNA sequences from the remains of individuals in the city’s final mass grave suggest they were family members of the heads of state (the Cocoms), ironically and meaningfully laid to rest at the base of the Temple of K’uk’ulkan, the iconic principal temple and ritual centtr of Mayapán.”</p> <p>The winds of revolution, the authors argue, were fanned by political actors while conditions were worsening for the city’s inhabitants. Chief leaders of the change in political power were the members of the Xiu family house.</p> <p>“Our results suggest that rivalry among governing elites at Mayapán materialised into action in the context of more frequent and/or severe droughts. Comparatively, such climate challenges present a range of opportunities for human actors, from the development of innovative adaptations to the stoking of revolution. These climate hardships and ensuing food shortages would have undermined the city’s economic base and enabled the Xiu-led usurpation. The unifying and resilient institutions that held the Mayapán state together until approximately 1450CE were ultimately eroded, the confederation dissolved, and the city largely abandoned,” they explain.</p> <p>But the researchers also note the ability of the Maya to persist despite their difficulties. Those that abandoned Mayapan went to other cities, towns and villages. “Yet economic, social, and religious traditions persevered until the onset of Spanish rule, despite the reduced scale of political units, attesting to a resilient system of human-environmental adaptations.”</p> <p>Such stories from human history provide food for thought as we face our own self-inflicted climate crisis which is exacerbating hardship for many millions around the world.</p> <p>The authors conclude: “Our transdisciplinary work highlights the importance of understanding the complex relationships between natural and social systems, especially when evaluating the role of climate change in exacerbating internal political tensions and factionalism in areas where drought leads to food insecurity.”</p> <p><strong><span id="docs-internal-guid-2bf462a3-7fff-8906-6d44-3d64cbb8ab38">This article originally appeared on <a href="https://cosmosmagazine.com/history/mayan-city-collapse-drought/" target="_blank" rel="noopener">cosmosmagazine.com</a> and was written by Evrim Yazgin.</span></strong></p> <p><em>Image: Shutterstock</em></p>

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The tricky notion of ‘value’ in the arts

<p>There’s plenty of discussion about arts funding in Australia – but are we ready to tackle tough questions around the “value” of the arts? That’s a challenge that will involve scrutinising the “benefits” delivered by arts programs and rethinking some of our ideas about impact.</p> <p>Recently these questions have been framed in terms of measurement – a phenomenon that has to do with an increased emphasis on what is termed the “<a href="https://theconversation.com/go-on-then-what-are-the-creative-industries-18958">creative</a>” or “cultural” industries.</p> <h2>Welcome to the arts industry</h2> <p>Governments and policy makers concerned with the allocation of scarce resources, and with the demise of traditional economic drivers for development, have turned to these sectors as areas of potential growth. The word “industry” nicely moves the whole area away from anything “non-productive”.</p> <p>This framing of the arts as an industry has fuelled the sometimes strident debate over funding models for the arts, particularly when a funding cut has taken place. </p> <p>Yet for better or worse, the arts and related cultural phenomena represent activities that now have value and benefits for government – so there will be policy delivered upon art producers regardless of the debate.</p> <p>The key issues for all is defining and measuring all the possible permutations of value.</p> <h2>Intrinsic and instrumental benefits</h2> <p>Some clarification is possible if we separate instrumental benefits from intrinsic benefits. </p> <p>Instrumental benefits are those that pertain to social, economic or policy outcomes. An outcome of a community-based theatre production might be to involve disadvantaged sectors of the community, thereby increasing social inclusion. Similarly, a sculpture trail might be established in an economically-depressed region, with the aim of increasing local employment. </p> <p>Such benefits are increasingly cited in the conversations surrounding the impact of the arts.</p> <p>The intrinsic benefits of the arts are less obvious. While not being ignored by arts organisations, and of interest to many artists, the “impact” of art on an individual, a community or on society is a nebulous concept. How did the art resonate with the viewer? Was the community intellectually stimulated? Did the art make a lasting impression? Did it increase social bonding?</p> <p>Much of the policy work done on measuring intrinsic impact is done in the performing arts. </p> <p>Theatre, opera and music companies have a particular interest in measuring intrinsic impact, as their revenue streams rely on a paying audience, and indeed one that returns for future performances. Intrinsic impact factors such as audience engagement and stimulation are part of the concept of “<a href="http://www.australiacouncil.gov.au/resources/reports_and_publications/subjects/arts_sector/artisticvibrancy">artistic vibrancy</a>” that the Australia Council uses as a criterion in its <a href="http://www.australiacouncil.gov.au/artisticreflectionkit">Artistic Reflection Kit</a> for arts organisations.</p> <h2>Did the art make a difference?</h2> <p>There is little to guide us in understanding such issues in a broader arts context. </p> <p>Certainly museums and galleries, as well as major events such as the <a href="http://www.biennaleofsydney.com.au/">Biennale of Sydney</a> undertake visitor surveys. But their findings are frequently framed in relation to audience development or marketing strategy. Engagement sometimes simply means: how many people went, and where were they from? </p> <p>While this sort of information is vital in a world where competition for the cultural tourist is fierce, it does not assist us in understanding the basic question of whether the art, in whatever form, made a “difference” to those that viewed it (however that may be defined) and how that might be considered a “value”.</p> <p>Of course, it can be argued such a question is irrelevant in an artistic sense. </p> <p>Many see any measurement of artistic value as further evidence of the commodification of art. Art producers frequently reject the materialistic concept of “product” being applied to their creative output, and clearly consumer demand is not generally the primary driving force behind art and other cultural-based production.</p> <h2>Product-driven artists</h2> <p>Even so, artists do need to be product-driven. If they are not they risk their artistic integrity, the very thing that challenges their audiences. This means that conventional techniques to “sell” artistic production do not necessarily work. </p> <p>For any exhibitor of challenging art this is a common problem. Do you keep churning out those room-filling blockbuster exhibitions – or curate something that your audience might potentially not actually like?</p> <p>Perhaps splitting value into instrumental benefits and intrinsic benefits is actually unhelpful because it artificially separates the individual/ community/ emotional from the policy/ economic. </p> <p>By this I mean that if a concert does not engage and resonate with visitors by having some intrinsic value, then any other subsequent instrumental benefit simply does not flow on. In other words, if the audience does not like the art, they will not “consume” it (buy, view, etc.). </p> <h2>Art for individuals <em>and</em> communities</h2> <p>For me, taking such an holistic view of artistic endeavours recognises that there is an interconnectedness between individual benefits and societal benefits that is indeed important. What benefits the individual may well benefit that individual’s community – and vice versa.</p> <p>Does this make impact any easier to measure? Or value any easier to define? Perhaps not immediately. </p> <p>But it does provide an alternative way of conceptualising value in the arts, one that may be used to reframe a debate that tends to be weighted toward measuring instrumental benefits. </p> <p>It’s not just that funding bodies find it easier to measure instrumental benefits, it’s that the intrinsic value of art is, by its very nature, difficult to measure. </p> <p>How do you measure intellectual stimulation? Emotional engagement? Joy? Sure, there is research conducted in these areas, but it is not finding its way into the debate over the value of the arts. </p> <p>And until it does the arts will continue to be valued more for its role as a driver of economic development than as a cure for the soul – or worse still, not valued at all.</p> <p><em>Image credits: Getty Images</em></p> <p><em>This article originally appeared on <a href="https://theconversation.com/the-tricky-notion-of-value-in-the-arts-20408" target="_blank" rel="noopener">The Conversation</a>. </em></p>

Art

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Couple tackle the Nullabor to raise funds for polio charity

<p dir="ltr">A Tasmanian couple are jumping on their bicycles ahead of their 2750-kilometre journey - and they’re doing it to raise funds for a good cause.</p> <p dir="ltr">Phil and Joyce Ogden, who have been members of Rotary for over a decade, are undertaking the trek from Perth to Adelaide as part of an epic fundraiser for Rotary’s END POLIO campaign.</p> <p dir="ltr">The campaign, which was started over 30 years ago by Rotary, UNICEF and the World Health Organisation, has been driving towards the goal of completely eradicating Polio, beginning with a project to vaccinate children in the Philippines against the disease in 1979.</p> <p dir="ltr">Now, Polio is believed to only be naturally spreading in Afghanistan and Pakistan, but according to the <a href="https://apps.who.int/gb/ebwha/pdf_files/wha65/A65_20-en.pdf" target="_blank" rel="noopener">World Health Assembly</a>, failing to eradicate the disease would be a “global health emergency”.</p> <p dir="ltr">“We feel the enormous effort which has gone into turning the tide of the disease will be lost if pressure, and fundraising, is not maintained until the final handful of cases is consigned to history,” the Ogdens said in a message to all Rotarians.</p> <p dir="ltr">With the support of their South Launceston Rotary Club, the Odgens have planned to begin their trip in mid-May and hope to raise awareness of the cause along the way.</p> <p dir="ltr">“If we take our collective eyes off the ball, the disease will re-establish,” the couple said.</p> <p dir="ltr">“So, we are still committed to making our personal donations every year but felt we might harness another of our passions, cycling, to push things along - once again with the assistance of Rotary.”</p> <p dir="ltr">With limited sources of water and no shops to buy food from along the Nullarbor, the couple will carry a week’s worth of food and two days of water at a time, and they’re relying on dehydrated food which will be mailed ahead of them.</p> <p dir="ltr">Their upcoming journey isn’t a first for the Ogdens, who have covered more than 100,000 kilometres from crossing the European Alps, the Pyrenees and the Rockies. </p> <p dir="ltr">Heather Chong, the Tasmanian District Governor, praised the pair and described them as “adventurous philanthropists”.</p> <p dir="ltr">The couple have started an <a href="https://raise.rotary.org/phil-ogden/fundraiser" target="_blank" rel="noopener">online fundraiser</a> with a goal of raising $40,000. As of publication, the fundraiser has already collected $10,000 in donations, with every $1 donated prompting the Bill and Melinda Gates Foundation to contribute $2.</p> <p><span id="docs-internal-guid-5eab3d00-7fff-453c-5cb3-5b7e0b1be26c"></span></p> <p dir="ltr"><em>Image: Supplied</em></p>

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Why arts and culture appear to be the big losers in this budget

<p>While one more <a href="https://minister.infrastructure.gov.au/fletcher/media-release/rise-comes-back-20-million-encore">A$20 million round</a> of the Restart Investment to Sustain and Expand (RISE) Fund was announced as part of the 2022-23 budget to support reactivating the arts and entertainment sector post-Covid-19 lockdowns, this scheme is coming to an end. </p> <p>With funding cuts forecast out to as far as 2025-26, the arts and culture appear to be big losers in this budget. </p> <p>In addition to the $20.0 million in 2022-23 to phase down the RISE Fund, <a href="https://www.infrastructure.gov.au/sites/default/files/documents/2022-23_infra_pbs_00_itrdc.pdf">the budget includes</a>:</p> <ul> <li> <p>$9.3 million over two years for the National Museum of Australia to support its services impacted by COVID 19</p> </li> <li> <p>$9 million in 2021-22 for a second round of the Supporting Cinemas’ Retention Endurance and Enhancement of Neighbourhoods (SCREEN) Fund to support independent cinemas affected by COVID 19</p> </li> <li> <p>an extension of the <a href="https://www.screenaustralia.gov.au/funding-and-support/covid-19-support/temporary-interruption-fund">Temporary Interruption Fund</a>, which provides insurance to screen projects shut down due to COVID-related issues, for a further six months to 30 June 2022, and</p> </li> <li> <p>$316.5 million over five years to build an Aboriginal and Torres Strait Islander <a href="https://www.niaa.gov.au/news-centre/indigenous-affairs/ngurra-national-aboriginal-and-torres-strait-islander-cultural-precinct">cultural precinct, Ngurra</a>, on the shores of Lake Burley Griffin in the Parliamentary Triangle, on Ngunnawal country (Canberra).</p> </li> </ul> <p>With the loss of COVID stimulus measures, the big losers under arts and culture in the budget are: </p> <ul> <li> <p>the end of the RISE fund, represented in the cut to “arts and cultural development”, receiving $2.4 million in 2023-24, down from $159 million in 2021-22 </p> </li> <li> <p>the loss of $6.4 million in contemporary music related COVID measures, and</p> </li> <li> <p>Screen Australia: its funding will be reduced from a high of $39.5 million in 2021-22 to $11.6 million in 2023-24, reducing funding to <a href="https://twitter.com/ScreenAustralia/status/1509026946579337220">the pre-COVID baseline</a>. </p> </li> </ul> <p>The decline in arts funding fits Treasurer Josh Frydenberg’s big picture narrative that the time for “<a href="https://www.theguardian.com/business/2022/mar/17/josh-frydenberg-announces-targeted-cost-of-living-measures-ahead-of-federal-budget">crisis level</a>” spending is now over, and the budget forecasts such as those for arts and culture only “appear” to be bleak due to the tapering down from the crisis level funding.</p> <h2>The end of RISE funding</h2> <p>The government’s biggest arts and culture investment during the pandemic was the RISE fund, which saw <a href="https://minister.infrastructure.gov.au/mckenzie/media-release/connecting-communities-stronger-future">$200 million</a> go towards 541 projects.</p> <p>The RISE fund represented a move away from the “arms-length” independent funding decisions made by the Australia Council <a href="https://australiacouncil.gov.au/investment-and-development/peer-assessment/">peer assessors</a>. Instead, the arts minister had the ultimate authority regarding RISE. </p> <p>This aspect of RISE was reminiscent of George Brandis’ 2015 <a href="https://theconversation.com/how-brandis-plans-to-insulate-the-arts-sector-from-the-artists-42305">shock annexation</a> of Australia Council funding to the then National Programme for Excellence in the Arts (which then became Catalyst). But the baseline Australia Council funding has remained steady in this year’s budget, rising only in line with inflation.</p> <p>While RISE was a short-term crisis level funding initiative using the arts as an instrument to stimulate the economy, support for the Australia Council in the budget is for the support of “excellent art” for “audiences in Australia and abroad”. </p> <p>The difference in these programs meant RISE funding went not only to not-for-profit arts organisations and individual artists, as the Australia Council primarily supports, but <a href="https://www.theguardian.com/culture/2020/nov/23/victorias-performing-arts-win-20m-funding-as-melbourne-readies-for-re-opening">also</a> to commercial creative activity.</p> <h2>A loss of over-all funding</h2> <p>According to the government, the expected decrease in overall cultural funding from 2021-22 to 2022-23 is predominantly driven by the loss of temporary arts funding for economic stimulus. </p> <p>Expenses under the arts and cultural heritage are estimated to decrease by 10.6% in real terms from 2021-22 to 2022-23, and decrease by 13.1% in real terms from 2022-23 to 2025-26. </p> <p>It is not clear why this scaling down of crisis level funding appears to be uneven. </p> <p>In particular, many of Australia’s cultural institutions – who are already <a href="https://theconversation.com/historic-collections-could-be-lost-to-digital-dinosaurs-31524">under pressure</a> when it comes to preserving cultural heritage – are facing significant cuts.</p> <p>The National Museum of Australia is projected to receive $51 million in 2023-24, losing its $9.3 million in COVID support. The National Gallery of Australia’s funding will drop from $49.6 million in 2021-22 to $45.7 million in 2022-23. Funding for the National Library Australia will fall from $61 million in 2022-23 to $47.1 million in the following year. </p> <h2>A commercially driven future?</h2> <p>Over the last two years, the arts were valued by the federal government to the extent that they were able to be used to stimulate the economy. </p> <p>The assumption appears to be that, now that the creative and cultural industries have received a $200 million shot in the arm, they will now be able to stand back up and walk on their own two feet – and help those businesses around them do likewise. </p> <p>It doesn’t appear the RISE Fund, and its ultimate decision making power by the minister, is a template for the future of arts funding in any literal sense because it is due to disappear. </p> <p>But it may have changed the culture of arts funding in this country, explicitly focusing funding on cultural activities and initiatives informed by an overtly commercial mindset. </p> <p>With many artists and organisations still struggling in this “COVID normal” landscape, this budgetary pendulum swing away from funding artistic projects and events paints a bleak picture.</p> <p><em>Image credits: Getty Images</em></p> <p><em>This article originally appeared on <a href="https://theconversation.com/why-arts-and-culture-appear-to-be-the-big-losers-in-this-budget-180127" target="_blank" rel="noopener">The Conversation</a>. </em></p>

Art

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