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New research calls for later-in-life driving lessons

<p>New research has shown that older drivers should be coming forward to test and update their driving skills to keep people safer on the road, and keep senior drivers behind the wheel for longer. </p> <p>A new website launched by the University of New South Wales (UNSW) and neuroscience institute NeuRA aims to help drivers aged in their 50s and above stay safe when driving, while also helping to update their skills to keep them on the roads for longer. </p> <p>Cognitive aging expert and UNSW professor Kaarin Anstey told <em><a href="https://www.9news.com.au/national/how-old-is-too-old-to-drive-in-australia-new-research-shows-ageing-motorists-should-have-driving-lessons/6a470fa9-f0c3-4571-a229-672e689f1e76" target="_blank" rel="noopener">9News</a></em> later-in-life driving lessons were crucial as our population grows and ages.</p> <p>"We obviously want people to stay on the road as long as it's safe for them to do so. And that's the issue: they have to be safe on the road," Anstey explained.</p> <p>"That's the point of the website, to empower older drivers, family members and health professionals."</p> <p>"We've been working on this issue of older drivers for over 20 years because the second biggest cause of injury in older adults is motor vehicle accidents or crashes (after falls)."</p> <p>Anstey said her research in <a href="https://www.unsw.edu.au/newsroom/news/2024/11/should-age-determine-how-long-drive-car" target="_blank" rel="noopener">The Better Drive Study</a> analysed how the driving habits of older motorists changed if they had a refresher course. </p> <p>"A lot of people got their licence in an era where the cars were different, the roads were different, the road rules were different," she said.</p> <p>"We just feel there's a certain amount of improvement that probably all of us, not just the older age group but lots of people, could benefit in refreshing their driving skills."</p> <p>Anstey's pilot study, that followed motorists aged over 65 over 12 months, found older people were more likely to develop bad habits such as not checking blind spots or not keeping up to date with key road rules.</p> <p>She said people who did the driving lessons had a "big improvement" in their safety on the road.</p> <p>Later-in-life lessons could also identify if a person should be looking at giving up their licence, as Anstey added, "Sometimes there's people who we find who are not very safe drivers, or who have an impairment that they may not have been aware of."</p> <p>When asked what they thought of the initiative, some older drivers told <em>9News</em>, "I think it's a good idea, there are some older people who definitely need a refresher but there are some that are still quite good."</p> <p>"I'd rather not go through those grills but I guess for everyone's safety it's a very good thing," another added.</p> <p><em>Image credits: Shutterstock</em></p>

Travel Trouble

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How one elderly couple made their big move to Italy

<p>US couple Tony Smarrelli, 74, and his wife, Francine, 75, were celebrating their 50th wedding anniversary in Venice, Italy when they decided to move to Italy for good. </p> <p>The Smarrelli's, who are retired elementary teachers from New York and both of Italian descent relocated to the picturesque coastal town of Scalea in southern Italy. </p> <p>“We were in St Mark’s Square (in Venice) when a quartet started playing (classic Italian song) Malafemmina,” Tony recalled the day they decided to make the big move. </p> <p>“It brought tears to my eyes, because my father would put on his Italian records every Sunday for dinner and would sing that song to my mother.”</p> <p>Looking to reconnect with their Italian roots, they purchased a 139 metre property with three bedrooms, a dining room and a walk-in-closet for  for €150,000 ($A247,754) in November 2023.</p> <p>“We flew to Italy for the second time in 2023 and put an offer in for that home. We then secured our visas in the US in three hours, sold our home (in the US), packed up our belongings and flew back to Italy in December 2023,” Tony said.</p> <p>While their home in the peaceful coastal time was already livable when they bought it, the couple chose to renovate it, spending an extra €80,000 (about $A132,086) to retile the property, add a new plumbing and electric system, as well as two new bathrooms, an entire kitchen, doors, windows and screens.</p> <p>The property was renovated within four-months, and they said that a similar home in the US would have been nearly impossible for them to afford. </p> <p>“It would be easily $US1 ($A1.5) million to $2 million to live on a coast of South California or (a place with) any coastal views on the Eastern Seaboard,” Tony said. </p> <p>Tony's father and grandfather initially immigrated to the US in 1983 to make a better life for themselves, now 86 years later, Tony has returned to his homeland. </p> <p>“Some of my best friends said it takes a lot of guts to pick up and move to another country at 74 years of age.</p> <p>“I tell them it took guts for my father and grandfather to come to another country on a boat for eight weeks with no home, no work, very little money, no resources to make a better life for themselves,” Tony said.</p> <p>“In our modern world, it’s just a lifestyle change and for us, it was a good choice.”</p> <p>The couple said since their big move, they've cut back nearly y $3000 ($A4574) per month on expenses, which amounts to $36,000 ($A54,894) a year. </p> <p>The couple now spends about $1200 ($A1825) a month between the two of them.</p> <p>Back in the US, the couple's mortgage alone was  $US1500 per month ($A2281)</p> <p>“Monthly expenses in the US before leaving were between $US4800 to $US5000 a month. In all we are about $US3000 less monthly living here in Italy,” Tony said. </p> <p>Tony plans to apply for an Italian citizenship, and while his father was naturalised as an American citizen before he was born, he plans to rectify this by appealing to a local court. </p> <p><em>Images: CNN</em></p> <p> </p>

International Travel

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Who dies in a heat wave? How to help protect the vulnerable in our communities

<div class="theconversation-article-body"><em><a href="https://theconversation.com/profiles/myles-david-sergeant-1542267">Myles David Sergeant</a>, <a href="https://theconversation.com/institutions/mcmaster-university-930">McMaster University</a></em></p> <p>Extreme heat is a silent killer.</p> <p>From time to time, we hear about shocking cases of <a href="https://www.theguardian.com/world/2023/sep/24/football-player-heat-deaths-athlete">football players</a> and other athletes who die suddenly while exerting themselves on hot days. Those deaths are certainly tragic, but statistically they are very rare.</p> <p>Most deaths from extreme heat <a href="https://www.epa.gov/climate-indicators/climate-change-indicators-heat-related-deaths">are in older people</a>, who frequently die alone inside their homes. They often die slowly, as the heat creeps up to and sometimes past body temperature, especially when heat domes park themselves over cities and keep the temperature high all day and all night. When such deaths happen, they rarely make the news.</p> <p>Of all the climate change disasters our world is already experiencing, heat is the top killer, <a href="https://library.wmo.int/viewer/68500/download?file=1335_WMO-Climate-services-Health_en.pdf&amp;type=pdf&amp;navigator=1">as the World Meteorological Organization reported</a>. The planet was more than <a href="https://www.theguardian.com/environment/article/2024/jul/08/temperatures-1-point-5c-above-pre-industrial-era-average-for-12-months-data-shows">1.5 C above the pre-industrial baseline</a> for 12 consecutive months from July 2023 to June 2024. In July this year, we saw the hottest three days ever on record, prompting <a href="https://www.un.org/sg/en/content/sg/press-encounter/2024-07-25/secretary-generals-press-conference-extreme-heat">a special statement from United Nations Secretary-General Antonio Guterres</a>.</p> <h2>Health risks and heat</h2> <p><a href="https://www.ncbi.nlm.nih.gov/books/NBK499843/">Our bodies are made to dump excess heat</a> when we are too warm, but that process goes into reverse when the air is warmer than our core temperature. Our other main defence, sweating, doesn’t help when humidity saturates the air, making it impossible for our own moisture to evaporate.</p> <p>For the frail and elderly, who are more likely to be labouring with heart troubles, COPD or other challenges, simply sitting still in a heat wave requires an effort equivalent to walking on a treadmill. The effort is not great, but it is <a href="https://doi.org/10.1016/j.cjco.2021.10.002">steady and relentless</a>. It exhausts the body, sometimes to the <a href="https://doi.org/10.1016/S2542-5196(22)00117-6">point of no return</a>.</p> <p>Tracking heat-related deaths is challenging, and it’s changing as authorities become more aware of heat as a contributing or underlying factor to deaths by other causes. <a href="https://doi.org/10.2105/AJPH.2006.100081">A paper published by the <em>American Journal of Public Health</em></a> points out that the 1995 heat wave in Chicago likely contributed to hundreds more deaths than had first been attributed to heat itself.</p> <h2>Who is at risk?</h2> <p>Many people lack air conditioning or a way to get to a place that has it, such as a library, recreation centre or shopping mall. As a result, too many people in cities are forced to <a href="https://wmo.int/publication-series/2023-state-of-climate-services-health">endure long waves of heat</a> — waves that are occurring more frequently, lasting longer, and reaching higher temperatures — in a trend that appears set to continue getting worse.</p> <p>Air conditioning, <a href="https://www.lpm.org/news/2015-07-24/the-history-of-movie-theaters-and-air-conditioning-that-keeps-film-lovers-cool">once a luxury that drew people to summertime movie theatres on hot nights</a>, has become a necessity. Increasingly, it is also a legal requirement, as cities pass bylaws requiring landlords not to allow the temperature in their tenants’ quarters to rise above a certain level. Toronto has <a href="https://www.toronto.ca/home/311-toronto-at-your-service/find-service-information/article/?kb=kA06g000001xvbiCAA">such a bylaw</a> for rental units that have air conditioning available, capping indoor temps at 26 C between June 2 and Sept. 14.</p> <p>Such laws recognize the vulnerability of tenants who lack control over the temperature in their rental units, making heat death an especially urban tragedy, as confirmed in <a href="https://www150.statcan.gc.ca/n1/en/pub/82-003-x/2024006/article/00001-eng.pdf?st=e6jLNMuq">a recent Statistics Canada study</a> between 2000 and 2020. Deaths from extreme heat were more likely in cities with a higher percentage of renter households.</p> <p>During a single week-long heat wave in June 2021 — the year after the period captured in the Statistics Canada study — <a href="https://www.cbc.ca/news/canada/british-columbia/bc-heat-dome-sudden-deaths-570-1.6122316">B.C.’s chief coroner found that 570 people died from heat-related causes</a> — 79 per cent of them were seniors.</p> <h2>Taking action at the community level</h2> <p>From this Global North perspective, the community members who are most likely to die from extreme heat included:</p> <ul> <li>Those over 65</li> <li>Those with more than one chronic condition (including hypertension, mental health, diabetes, heart disease, lung disease)</li> <li>Socially disadvantaged populations in our communities</li> <li>Those with mobility issues</li> <li>Those experiencing social isolation (living alone)</li> <li>Tenants with lack of air conditioning</li> <li>Those living in an urban heat island</li> </ul> <p>This problem is not going away.</p> <p>Some of the <a href="https://www.intactcentreclimateadaptation.ca/wp-content/uploads/2022/06/UoW_ICCA_2022_04-Irreversible-Extreme-Heat.pdf">actions we can take</a> to protect our most vulnerable community members include:</p> <ul> <li>Increase awareness that excessive heat is not merely uncomfortable, but dangerous.</li> <li>Make sure people are warned about impending heat waves.</li> <li>Advocate for everyone to have access to air conditioning.</li> <li>Check on and support people who live alone, especially those with no air conditioning.</li> <li>Invite people over if you have air conditioning, or help them get to community cooling stations.</li> <li>Help vulnerable people who do not have air conditioning to improvise, by freezing wet cloths, for example, to take out and hang around their necks. Doing this, especially with a fan blowing, can be surprisingly effective.</li> <li>Learn and share the <a href="https://www.canada.ca/en/health-canada/services/publications/healthy-living/fact-sheet-staying-healthy-heat.html">warning signs of heat-related illness</a>.</li> <li>Make sure they drink plenty of water and other replenishing fluids.</li> </ul> <p>While we must do our best to limit climate change to keep our planet from getting ever hotter, we must also make every effort to protect the vulnerable from the impacts of the heat that is already here.<!-- 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/236829/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/myles-david-sergeant-1542267">Myles David Sergeant</a>, Assistant Clinical Professor, Department of Family Medicine, <a href="https://theconversation.com/institutions/mcmaster-university-930">McMaster University</a></em></p> <p><em>Image credits: Shutterstock </em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/who-dies-in-a-heat-wave-how-to-help-protect-the-vulnerable-in-our-communities-236829">original article</a>.</em></p> </div>

Caring

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Coles and Woolies shoppers could claim thousands over alleged deceptive pricing

<p>Coles and Woolworths shoppers could claim up to $5,000 if the supermarket giants are found out for deceiving customers with dodgy pricing tactics, according to a leading lawyer. </p> <p>Carter Capner Law is one of two firms investigating whether a class action suit on behalf of shoppers is viable in conjunction with the ACCC's legal action against the two chains. </p> <p>Both Coles and Woolworths have bee accused of violating Australian consumer law by the consumer watchdog after allegedly intentionally misleading customers by driving up prices and then putting those items on sale for their original prices under the "Prices Dropped" and "Down Down" campaigns.</p> <p>“Early estimates suggest that households could claim between $2,000 and $5,000, depending on the amount spent and the impact of the deceptive pricing,” law director Peter Carter said, who began advocating for people after he received an "avalanche of calls from outraged customers".</p> <p>While Carter said the firm initially had no plans to commence a class action, he admitted that after speaking about it to the media, the company were inundated with Coles and Woolworths customers "demanding action and compensation".</p> <p>He believes Australians already doing it tough through the cost of living crisis felt "betrayed" by the supermarkets, while Flinders University research fellow in law Dr Joel Lisk said that the class action is "a positive" for shoppers.</p> <p>"The ACCC proceedings aren't about getting refunds for customers," he told <em>Yahoo</em>. "But if they are successful it would mean customers have, in theory, been misled and deceived and could be entitled to damages."</p> <p>When it comes to damages, it's something Dr Lisk said "starts to add up" for customers, although it's "hard to say" if financial penalties to businesses found guilty of wrongdoing would impact misleading and deceptive conduct in the future.</p> <p>"If [fines are] seen as just the cost of doing business it doesn't really dissuade businesses from engaging in misleading and deceptive conduct," he said.</p> <p>"Seeking damages from business for the losses that individuals like us have incurred is one way of doing that. But of course, we're talking probably about dollars and cents in transactions when businesses like Coles and Woolworths deal in the billions."</p> <p><em>Image credits: Shutterstock</em></p>

Legal

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Red tape threatens to remove a man with Down's syndrome from his elderly mother

<p>An elderly mother and her disabled son are at risk of being separated over the woman's aged care home's red tape. </p> <p>Anne Deans, 81, moved into an aged care facility in July and hoped that she would be able to bring her son, Mark, who suffers from Down's syndrome with her. </p> <p>Mark, 56, has always lived with his mother, and despite his disability, has lived a full life and has dabbled in acting, appearing on Aussie TV hit <em>Blue Heelers</em>.</p> <p>But now, the mother and son have been left in limbo by a bureaucratic battle. </p> <p>Despite the family's history and Mark's disability, the government refuses to fund a place for Mark at Anne's aged care home, stating that aged care is "not an appropriate service for people aged under 65".</p> <p>"People with Down's syndrome have a life expectancy of 60 years. That's if we're lucky. So Mark is experiencing all of the age issues that my Mum is," Mark's sister Sharon said.</p> <p>Sharon and her sister Michelle have been lobbying on Mark's behalf, with Michelle saying, "I don't know why it's so hard. There's so much red tape."</p> <p>"There's so many hills to jump, just to have a mum and a son together. It doesn't make any sense."</p> <p>Anne is digging in and appealing to the Minister for Aged Care Anika Wells for help. </p> <p>"I brought him up all these years, and all of a sudden someone's going to walk in and take him out," Anne told <a href="https://9now.nine.com.au/a-current-affair/victoria-red-tape-threatens-to-tear-man-with-disability-from-his-mum/df4ef75b-6df1-4507-8a73-dfae0b258e08" target="_blank" rel="noopener"><em>A Current Affair</em></a>.</p> <p>"It is damn ridiculous. They should open up their eyes and see what it's doing. He's not going anywhere. I don't know how I'm going to stop it, but I will."</p> <p>In a statement, Ms Wells said, "While Aged Care is generally not suitable for people under the age of 65, we recognise there are exceptional circumstances where people may need to enter aged care before this age, including when there is no suitable accommodation for them."</p> <p>"The New Aged care Act includes exceptional circumstances for people to enter Aged Care before they turn 65, including when they would otherwise be at risk of homelessness."</p> <p>"There are processes in place to support people to explore their options and ensure they have safe and appropriate accommodation."</p> <p>"We encourage Mark to continue to work with Ability First Australia and the Aged Care Assessment Teams to explore all the options."</p> <p><em>Image credits: A Current Affair </em></p>

Family & Pets

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"Can you sleep at night?" Frustrated shopper confronts Woolies CEO over price gouging

<p>A frustrated Woolworths shopper has called out the supermarket's CEO in store to demand answers about Woolies' record-breaking profits during the cost of living crisis. </p> <p>Chief executive Amanda Bardwell was walking around a Woolworths store in Wollongong when the heated exchange took place, with the whole thing captured on camera. </p> <p>The customer fired off hard-hitting questions to the CEO and other senior staff members, asking, "What do you have to say to the fact that your company is profiting off price gouging during the cost of living crisis?"</p> <p>Ms Bardwell, looking visibly shocked by the confrontation, replied, "Thank you for reaching out to us, we're doing everything we can to recognise that customers are doing it tough to make sure that they're able to get great prices."</p> <p>The woman didn't accept her answer, firing back, "I really don't believe that. Millions of people in Australia right now have to skip meals in order to survive, while you continue to make big bucks and working class people suffer. Can you sleep at night knowing that?"</p> <p>Ms Bardwell replied, "Our team are doing everything that we can to support our customers. We understand that it is an incredibly difficult time right now."</p> <p>A staff member then intervened, adding, "We have lowered prices and you see that right throughout our store… that's great value for our customers."</p> <p>Ms Bardwell thanked the customer for sharing her views and said Woolworths was doing "everything we can" to keep prices low for customers, before another staff member chimed in to say "It's actually illegal to film people in NSW without permission, with the CEO walking away. </p> <p>Social media users were quick to praise the woman for confronting Miss Bardwell, while sharing their own stories of being stung by hefty supermarket prices.</p> <p>"I'm sick of paying nearly $300 a week on groceries. That's choosing the cheapest products. My fridge still looks half empty when I unpack," one said. </p> <p>"I'm sure Coles and Woolworth management don't have cost of living crisis as they are getting bigger and bigger bonus year after year," a second wrote. </p> <p>Others took aim at one particular comment in the video, pointing out, "'I<span style="caret-color: #161823; color: #161823; font-family: TikTokFont, Arial, Tahoma, PingFangSC, sans-serif; font-size: 16px; white-space: pre-line; background-color: #ffffff;">t’s illegal to film in NSW without permission', yet Woolworths has how many cameras in every store? Cameras in people’s faces in self serve on every screen. Did they get our permission?"</span></p> <p>Another added, "If only their empathy was as big as their prices."</p> <p><em>Image credits: TikTok</em></p>

Legal

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"Almost proud of himself": Elderly man condemned for keying Tesla in broad daylight

<p>An elderly man has sparked outrage after being caught on camera keying a stranger’s Tesla in a Woolworths car park in Queanbeyan, near the ACT-NSW border. The incident, which occurred on Thursday, has led to widespread condemnation online.</p> <p>The Tesla’s owner, David Shannon, shared the footage of the incident on Facebook, asking the public for help in identifying the man responsible for the damage. “Is anyone familiar with this man? He keyed my car at Woolworths,” Shannon wrote in a local community group, attaching a video of the act.</p> <p>The footage shows the elderly man casually walking past the Tesla, dragging a set of keys along the car's side. After causing the damage, he pauses to inspect his handiwork before walking away. Shannon clarified in his post that his vehicle was not parked in a disabled spot, referencing the adjacent sign to avoid any misunderstandings.</p> <p>“This is not going to be a cheap fix and I’d love the opportunity to ask him nicely what drove him to this,” Shannon expressed. He later <a href="https://www.dailymail.co.uk/news/article-13878489/Key-car-Woolworths-Queanbeyan-Canberra.html" target="_blank" rel="noopener">confirmed to the <em>Daily Mail</em></a> that the repairs would cost approximately $3,000.</p> <p>Though the motive for the attack remains unclear, Shannon speculated that the man may hold a grudge against electric vehicles. Many on social media were quick to criticise the elderly man’s actions, with some expressing disgust at the moment when he appeared to “admire” the damage.</p> <p>“Can’t believe someone would do that!” one commenter exclaimed, while another called the act “absolutely disgusting.”</p> <p>“It’s scary that he stands back to admire his handy work. Almost proud of himself,” another added.</p> <p>Calls for legal action have grown, with many urging Shannon to report the incident to authorities. “He needs to be held accountable and pay for the damage to the car,” one person insisted. Another lamented, “This man gives baby boomers a bad name and bad reputation!”</p> <p>NSW Police have confirmed that they have launched an investigation following reports of vehicle damage at the shopping centre on Crawford Street, Queanbeyan. Authorities are urging anyone with additional information or CCTV footage to contact Crime Stoppers to assist in their investigation.</p> <p><em>Images: Facebook</em></p>

Legal

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Shoppers outraged over Coles bin full of discarded groceries

<p>A shocking photo of a bin filled with discarded groceries at the back of a Coles supermarket has gone viral, outraging many shoppers. </p> <p>The photo, taken behind the Drouin store in West Gippsland, Victoria, shows a skip bin measuring over a metre high overflowing with tens of thousands of dollars worth of food, including meat, ice cream, pasta, pizzas, dips, cheeses, juice and smoked salmon.</p> <p>According to <em>7News</em>, the products were thrown out after the region was hit with a storm that caused a power outage, and as the store did not have a backup generator, the refrigerated food was spoiled and needed to be thrown out.</p> <p>Coles has explained that items had to be discarded to ensure customer safety, but many shoppers were left shocked and infuriated about the waste, arguing the store should have been ready for the storms with backup generators.</p> <p>“For the 2023/24 financial year, Coles Australia reported a net profit of $1.1 billion and can’t afford back up generators, go figure,” one wrote.</p> <p>Others insisted some of the food could have been saved or donated, as one person said, “Butter that stays on the bench for two weeks (is) fine!” while another insisted, “at least donate it”.</p> <p>A supermarket worker commiserated with the upset shoppers, as they wrote online, “As someone who works for one of the supermarket chains, I have had to partake in this due to a prolonged power outage earlier this year.”</p> <p>“I feel for these staff, there’s nothing worse than having to throw out so much refrigerated stock. Coming from a family who didn’t have much, I get the pain people feel from this incident.”</p> <p>However, one social media user noted that regarding donations, “legally they cannot, if they give someone food poisoning and kill them they are liable”.</p> <p>A Coles spokesperson told <a href="https://www.news.com.au/lifestyle/food/photograph-of-coles-bin-full-of-discarded-items-stuns-shoppers/news-story/871cedeb7daf66422534e4aee55f1ee4" target="_blank" rel="noopener"><em>news.com.au</em></a> that food safety is a top priority, saying in a statement, “Due to the extreme weather that hit much of Victoria early last week, there were widespread power outages, including in the Drouin and surrounding areas.” </p> <p>“Food safety is paramount at Coles and unfortunately as a result of products being un-refrigerated for an extended period of time, for safety and quality reasons, we needed to dispose of a number of products to ensure customer safety. </p> <p>“Where possible, Coles always donates product that is fit for use and safe for consumption to food rescue organisations.”</p> <p><em>Image credits: 7News</em></p>

Money & Banking

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Our research shows 4 in 10 Australians in aged care are malnourished. What can we do about it?

<div class="theconversation-article-body"> <p><em><a href="https://theconversation.com/profiles/jonathan-foo-1551045">Jonathan Foo</a>, <a href="https://theconversation.com/institutions/monash-university-1065">Monash University</a> and <a href="https://theconversation.com/profiles/marie-claire-oshea-1373994">Marie-Claire O'Shea</a>, <a href="https://theconversation.com/institutions/griffith-university-828">Griffith University</a></em></p> <p>In the next 40 years <a href="https://treasury.gov.au/sites/default/files/2023-08/p2023-435150-fs.pdf">in Australia</a>, it’s predicted the number of Australians aged 65 and over will more than double, while the number of people aged 85 and over will more than triple.</p> <p>If you’re not really interested in aged care, you should be. Given these figures, you will almost certainly be engaging with aged care services at some stage – either for yourself, or supporting family members or friends seeking aged care.</p> <p>One service you are likely to encounter is residential aged care homes. In the past few years this sector has been under more scrutiny than ever before. Changes to legislation, workforce and funding are in motion. But the question remains as to whether these changes can happen fast enough to meet our ageing population’s needs.</p> <p>One area of need not being adequately met at present is nutrition. In a <a href="https://www.mdpi.com/2227-9032/12/13/1296">new study</a>, we’ve found four in ten older Australians living in residential aged care are not receiving enough of the right types of nutrients, resulting in loss of weight and muscle. This is known as malnutrition.</p> <h2>Good nutrition is essential for healthy ageing</h2> <p>Malnutrition in older people is <a href="https://www.agedcarequality.gov.au/providers/food-nutrition-dining/why-meals-matter">associated with</a> poorer overall health, such as increased risk of falls and infections. This can accelerate loss of independence for older people, including the need for extra assistance with basic activities such as bathing and dressing.</p> <p>Older people are at increased risk of <a href="https://www.thelancet.com/journals/lancet/article/PIIS0140-6736(22)02612-5/abstract">malnutrition</a> for a range of reasons. These can include decreased appetite, difficulties with chewing and swallowing, and the presence of other chronic diseases such as Parkinson’s disease or dementia.</p> <p>Importantly, ensuring adequate nutrition is about more than just offering healthy foods. We eat not only to meet nutritional requirements, but for enjoyment and socialisation. We each have different preferences around what we want to eat, when and with whom.</p> <p>Food provision poses a challenge for residential aged care providers who must navigate the range of residents’ preferences together with dietary restrictions and texture modifications. This must also be balanced against the practicalities of having the right number of appropriately trained kitchen and mealtime assistance staff, and working within funding constraints.</p> <p>Understanding more about who is malnourished in aged care can help providers better address this problem.</p> <h2>Malnutrition is an ongoing problem in aged care</h2> <p>We looked at more than 700 aged care residents in New South Wales, Queensland and South Australia. We assessed participants for malnutrition using a screening tool that collects data on medical history and dietary intake, and includes a physical examination of muscle and fat.</p> <p>We found 40% were malnourished, including 6% who were severely malnourished. This likely underestimates the true rate of malnutrition, as residents with dementia were excluded. International <a href="https://www.mdpi.com/2072-6643/15/13/2927">studies</a> have shown an average of 80% of aged care residents with dementia are malnourished or at risk of developing malnutrition.</p> <p>Our findings are broadly in line with a synthesis of <a href="https://www.sciencedirect.com/science/article/pii/S0378512219301148">38 international studies</a>, which reported an average malnutrition rate in residential aged care of 52%.</p> <p>In Australia, malnutrition was highlighted as <a href="https://www.royalcommission.gov.au/aged-care">a priority</a> for immediate attention in the 2021 Royal Commission into Aged Care Quality and Safety. Its report cited <a href="https://www.cambridge.org/core/journals/british-journal-of-nutrition/article/dairy-food-supplementation-may-reduce-malnutrition-risk-in-institutionalised-elderly/52E93ADD586C634A3913A2AFE9D07847">an Australian study</a> of 215 residents, published in 2017, which found 68% were malnourished or at risk of malnutrition.</p> <p>It’s difficult to directly compare malnutrition rates between studies due to differences in diagnostic measurements. But it’s clear malnutrition is an ongoing challenge in aged care.</p> <h2>What can we do about it?</h2> <p>Since the royal commission, we’ve seen the strengthening of the <a href="https://www.agedcarequality.gov.au/providers/quality-standards/strengthened-quality-standards">quality standards</a> to be included in the new Aged Care Act, anticipated to be introduced to parliament in 2025.</p> <p>The strengthened quality standards provide an important framework to guide action by aged care providers on malnutrition. Key requirements include partnering with residents to design food options, regular assessment and reassessment of resident nutrition requirements, developing systems to monitor and improve satisfaction with food, designing pleasant dining environments, and providing staff with the training they need to achieve all of the above.</p> <p>However, achieving these standards will require investment of money and time. At the moment, <a href="https://kpmg.com/au/en/home/insights/2023/09/australian-aged-care-sector-analysis.html">64% of residential aged care providers</a> in Australia are operating at a financial loss. While we know carers and facility managers want to provide the best care possible, it’s difficult to achieve this when contending with underlying financial problems.</p> <p>As such, our teams at Monash and Griffith universities are focusing on strategies that minimise the burden on staff and providers.</p> <p>We are working on automating malnutrition screening. Current tools take 10–15 minutes and should be used when a new resident moves into an aged care home and regularly during their stay. But anecdotal evidence suggests providers lack the staff and funding needed to routinely carry out this screening.</p> <p>Instead, we aim to use existing data from aged care providers, including quarterly reports from the <a href="https://www.health.gov.au/our-work/qi-program">National Aged Care Mandatory Quality Indicator Program</a>, to detect malnutrition automatically. This will allow staff to focus more on care.</p> <p>Given the complexity of malnutrition, it’s likely that addressing the issue at a national scale will take some time. In the short term, for those with loved ones in aged care homes, we encourage you to be actively involved in their care, including noticing and speaking up if you think more can be done to optimise their nutrition.<!-- 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/235507/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/jonathan-foo-1551045">Jonathan Foo</a>, Lecturer, Physiotherapy, <a href="https://theconversation.com/institutions/monash-university-1065">Monash University</a> and <a href="https://theconversation.com/profiles/marie-claire-oshea-1373994">Marie-Claire O'Shea</a>, Senior Lecturer, School of Health Sciences and Social Work, <a href="https://theconversation.com/institutions/griffith-university-828">Griffith University</a></em></p> <p><em>Image credits: Shutterstock</em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/our-research-shows-4-in-10-australians-in-aged-care-are-malnourished-what-can-we-do-about-it-235507">original article</a>.</em></p> </div>

Body

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Police officer charged after allegedly punching 70-year-old woman

<p>A Victorian police officer has been stood down from duty after he allegedly punched a 70-year-old woman while in hospital. </p> <p>Sylvia Villani was being treated at the Northern Hospital in April when the alleged assault took place, and she said it came out of nowhere. </p> <p>"I threw a bit of bread on the ground. I had my leg in a plaster," Villani told <em>9News</em>.</p> <p>"I was in a wheelchair and he punched me," she claimed.</p> <p>After the alleged attack, she sustained a broken eye socket. </p> <p>"I can't walk, I can't sit, I'm buggered," she said.</p> <p>"I don't know why he did it.</p> <p>"I did call him some nasty names, I wasn't happy, (but) I didn't deserve it."</p> <p>Villani's son, Rick, told 9News that he was only alerted about the incident after receiving a call from doctors who told him that three police officers went to the hospital for a separate incident before his mother was allegedly assaulted. </p> <p>He claimed that his family has been left in the dark. </p> <p>"I know my mum's got mental health, and she's not perfect," he said.</p> <p>"They've treated me, my wife and my mother with no respect."</p> <p>Victoria Police have stood down the 26-year-old male officer who was on duty when the incident occurred, after an internal investigation. </p> <p>The officer has been charged with one count of recklessly causing injury and will appear before court on September 9. </p> <p><em>Images: Nine</em></p>

Caring

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"Tax the boomers": Outrage over elderly couple's complaint after $1m Lotto win

<p>A "greedy" elderly couple have been rinsed online after complaining about losing their age pension payments after they won the Lotto. </p> <p>The couple, aged 73 and 67, wrote into <a href="https://www.smh.com.au/money/super-and-retirement/we-won-the-lottery-but-lost-our-pension-could-we-have-prevented-this-20240702-p5jqga.html" target="_blank" rel="noopener"><em>Sydney Morning Herald</em></a>'s financial advice column with Noel Whittaker to ask how they could've prevented losing the government funds and still kept hold of their million-dollar winnings. </p> <p>The couple's submission read, "We are a couple... both retired and receiving the full aged pension. We recently won $1,000,000 in the lottery and have placed that money in a basic interest-bearing savings account with our bank."</p> <p>"We intend to use that money to buy a new house and sell our existing one but may just renovate. The windfall has stopped our pension completely until we spend the money, which is all good and well. But could we have prevented the pension loss in any way?"</p> <p>Whittaker responded that the couple should consider themselves extremely fortunate and enjoy the money, saying they "could have a far better lifestyle living off capital instead of relying on welfare". </p> <p>He also urged the couple not "spend to get a pension". </p> <p>The boomers' questions quickly drew attention online, with many flocking to Facebook comments to slam the couple for their "greed". </p> <p>One person wrote, "If you won the lotto, why would you want the pension?", while another added, "Ah yes, the call of the boomers everywhere, 'I have millions but where's my pension money?'"</p> <p>Others said the Lotto winners should consider themselves lucky they are now able to provide for themselves, with one person writing, "Pension is a support system to allow you to survive without/reduced work in retirement. If you are a multimillionaire then you don't need it."</p> <p>Another person echoed the sentiment, saying, "Wow, what entitlement. The pension is a safety net, if you don’t qualify for it think yourself lucky."</p> <p>Other social media users simply shared their outrage towards the boomer generation, as one frustrated person wrote, "Won a million and whinging they can't scam the taxpayers, what self-centered arrogance", while another added, "Tax the boomers! No more handouts."</p> <p><em>Image credits: Shutterstock</em></p> <div class="x6s0dn4 x3nfvp2" style="font-family: inherit; align-items: center; display: inline-flex; min-width: 604px;"> <ul class="html-ul xe8uvvx xdj266r x4uap5 x18d9i69 xkhd6sd x1n0m28w x78zum5 x1wfe3co xat24cr xsgj6o6 x1o1nzlu xyqdw3p" style="list-style: none; margin: 0px -8px 0px 4px; padding: 3px 0px 0px; display: flex; min-height: 15px; line-height: 12px; caret-color: #1c1e21; color: #1c1e21; font-family: system-ui, -apple-system, BlinkMacSystemFont, '.SFNSText-Regular', sans-serif; font-size: 12.000001px;" aria-hidden="false"> <li class="html-li xe8uvvx xdj266r xat24cr xexx8yu x4uap5 x18d9i69 xkhd6sd x1rg5ohu x1emribx x1i64zmx" style="list-style: none; display: inline-block; padding: 0px; margin: 0px 8px;"> </li> </ul> </div>

Retirement Income

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Elderly driver hailed a hero amid fatal bus tragedy

<p>An elderly driver has been hailed a hero for saving lives after getting caught up in a horror crash between a Greyhound bus and a car towing a caravan.</p> <p>The accident left three women dead and 27 other passengers injured, after the coach allegedly veered onto the opposite side of the  Bruce Highway at Gumlu, in north Queensland at around 11am on Sunday. </p> <p>The coach was travelling between Brisbane and Townsville, with 33 people onboard when it collided with a caravan towed by a 4WD. </p> <p>The elderly couple, who were in the 4WD were miraculously not injured. </p> <p>Witnesses have praised the elderly male driver for his quick-thinking skills, when he drove his vehicle out of the way of the oncoming bus - which saved the lives of people driving behind him. </p> <p>"He was a hero for his actions,"  Janice Beavis told the <em>Daily Mail</em>.</p> <p>“They [the elderly couple] were behaving safely. The bus hit the van, the driver [of the 4WD] was trying to get away.</p> <p>“He saved himself and his wife and the mum and three girls travelling behind him.”</p> <p>56-year-old Townsville woman, Emma ‘Alli’ Sailor, and two German women aged in their 20s and 30s sadly passed away in the crash. </p> <p>Four people remain in hospital, including two men in their 20s who are fighting for their lives, and two other men, aged 27 and 51, who are in stable conditions. </p> <p>The bus was reportedly running behind schedule, leaving Rockhampton at 2am instead of the planned departure time at 12:45. </p> <p>The speed limit at the section of the highway where the accident occurred was 100km/h.</p> <p>Detectives are investigating whether fatigue could have played a role in the crash. </p> <p>“We haven’t determined any factors that have contributed to the crash at this stage, but certainly a crash of this nature, involving this many people, is a very significant, very tragic incident for us,” Police Superintendent Graeme Paine said at a press conference on Sunday.</p> <p>Anyone who may have seen the crash or have dashcam footage have been urged to contact police. </p> <p>On Monday morning, Police Superintendent Paine said that more witnesses will be interviewed to determine the cause of the crash. </p> <p>“We’ve collected a significant amount of evidence from the scene,” he said.</p> <p>“As we process that evidence and interview further witnesses, we anticipate getting a clearer picture of exactly how it occurred." </p> <p><em>Image: news.com.au</em></p>

Travel Trouble

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Telstra giving free phones to elderly and remote

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

Money & Banking

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Boomers vs. Bikers: Teens and elderly residents face off over bike rules

<p>A tense intergenerational argument has broken out in Sydney's Northern Beaches, as a group of seniors stopped two teenagers from riding their electric bikes on a footpath. </p> <p>The incident was captured on camera by a bystander and uploaded to social media with the caption, "Battle of the beaches. E-bikes vs. elderly", before quickly going viral. </p> <p>The video shows elderly man and woman standing outside a dental centre in the suburb of Mona Vale, stopping the youths from riding any further and are seen holding the bike as the teens appear to argue for their release.</p> <p>After the video garnered much attention, hundreds of people shared their thoughts on who was in the right. </p> <p>Many appear to have taken the side of the senior citizens, but in this case, with the teen’s ages not immediately clear, both parties could have a case. </p> <p>According to the<a title="www.nsw.gov.au" href="https://www.nsw.gov.au/driving-boating-and-transport/roads-safety-and-rules/bicycle-safety-and-rules/cyclist-road-rules#:~:text=Riding%20on%20a%20footpath,under%20the%20age%20of%2016"> New South Wales Government</a>, cyclists (on both pedal or electric bikes) are not allowed to ride on a footpath. However, children under 16 can ride on the footpath unless there is a “NO BICYCLES” sign. </p> <p>In the comment section, plenty of arguments backed the case of the seniors. </p> <p>“Elderly are right; it’s a footpath, it’s dangerous. Annoying they drive fast,” one wrote.</p> <p>Another said: “Look I don’t know what happened, but yesterday (kids) similar to these guys were zooming on an E-bike at a dog park, almost hit us, no bells or anything and off the path. If you have these, just stay on the road.”</p> <p>Others, however, were quick to side with the teens, as one person wrote, “Entitled old people thinking they are the police.”</p> <p>Another added, “Boomers need to admit they are bored and have nothing to do.”</p> <p><em>Image credits: TikTok</em></p>

Travel Trouble

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The hidden risks of buy now, pay later: What shoppers need to know

<div class="theconversation-article-body"><em><a href="https://theconversation.com/profiles/vivek-astvansh-1318943">Vivek Astvansh</a>, <a href="https://theconversation.com/institutions/mcgill-university-827">McGill University</a> and <a href="https://theconversation.com/profiles/chandan-kumar-behera-1479139">Chandan Kumar Behera</a>, <a href="https://theconversation.com/institutions/indian-institute-of-management-lucknow-6023">Indian Institute of Management Lucknow</a> </em><iframe style="width: 100%; height: 100px; border: none; position: relative; z-index: 1;" src="https://narrations.ad-auris.com/widget/the-conversation-canada/the-hidden-risks-of-buy-now-pay-later-what-shoppers-need-to-know" width="100%" height="400"></iframe></p> <p><a href="https://www.canada.ca/en/financial-consumer-agency/services/loans/buy-now-pay-later.html">Buy now, pay later</a> is a relatively new form of financial technology that allows consumers to purchase an item immediately and repay the balance at a later time in instalments.</p> <p>Unlike applying for a credit card, buy now, pay later <a href="https://papers.ssrn.com/sol3/papers.cfm?abstract_id=4591446">doesn’t require a credit check</a>. Instead, <a href="https://doi.org/10.1108/EJM-11-2021-0923">these programs use algorithms</a> to perform <a href="https://www.investopedia.com/terms/s/soft-inquiry.asp">“soft” credit checks</a> to determine <a href="https://theconversation.com/if-it-looks-like-debt-lets-treat-it-like-debt-buy-now-pay-later-schemes-need-firmer-regulation-in-nz-211820">a shopper’s eligibility</a>.</p> <p>This means buy now, pay later loans target <a href="https://www.theguardian.com/money/2022/jan/27/buy-now-pay-later-schemes-entice-consumers-spend-more">low-income, tech-savvy</a> <a href="https://www.cnbc.com/2022/10/27/gen-z-and-millennials-prefer-buy-now-pay-later-services.html">millennials and Gen Z shoppers</a> in an effort to <a href="https://libertystreeteconomics.newyorkfed.org/2023/09/who-uses-buy-now-pay-later/">supposedly improve financial inclusion</a> for these groups.</p> <p>However, the newness of buy now, pay later programs means existing <a href="https://doi.org/10.1111/acfi.13100">consumer credit laws don’t cover it</a>. This lack of regulation puts shoppers at financial risk of accumulating higher levels of debt.</p> <h2>Credit cards versus buy now, pay later</h2> <p>There are three key differences between credit cards and buy now, pay later loans. First, while buy now, pay later loans are a line of credit like credit cards are, <a href="https://www.cnbc.com/2022/05/04/klarna-to-report-buy-now-pay-later-data-to-uk-credit-bureaus.html">they don’t impact credit reports</a>. Because of this, shoppers might be less cautious when using buy now, pay later services.</p> <p>Credit cards typically have annual interest rates ranging from <a href="https://www.bankrate.com/finance/credit-cards/what-is-credit-card-apr/#credit-card-apr-vs-credit-card-interest">15 to 26 per cent</a>. While most buy now, pay later loans have no interest, longer term loans have <a href="https://www.cbsnews.com/news/buy-now-pay-later-loans-interest-rate-fees-tips-what-to-know/">annual interest rates of about 37 per cent</a>.</p> <p>Shoppers are <a href="https://hbswk.hbs.edu/item/buy-now-pay-later-how-retails-hot-feature-hurts-lower-income-shoppers">at risk of overusing buy now, pay later programs</a> and accumulating more debt than they can manage. In addition, formal lenders, such as banks, currently have no way of knowing what buy now, pay later debt a person is carrying. The lender, therefore, likely incurs more risk than they are aware of.</p> <p>Second, credit cards typically provide <a href="https://doi.org/10.1080/1369118X.2022.2161830">an interest-free period</a>, after which <a href="https://doi.org/10.1177/03128962211032448">borrowers must pay interest</a>. In contrast, buy now, pay later users typically don’t have interest fees, but can incur <a href="https://doi.org/10.1108/IJBM-07-2022-0324">late fees for missed or late payments</a>.</p> <p>Falling behind on payment terms <a href="https://www.forbes.com/sites/andriacheng/2020/12/16/why-retailers-are-embracing-buy-now-pay-later-service-this-holiday-season/">can result in charges</a> that exceed <a href="https://stateline.org/2022/02/02/regulators-scrutinize-buy-now-pay-later-plans/">typical credit card interest rates</a>, causing more harm than interest payments. Low-income buy now, pay later users are <a href="https://hbswk.hbs.edu/item/buy-now-pay-later-how-retails-hot-feature-hurts-lower-income-shoppers">particularly vulnerable</a> to <a href="https://www.consumerfinance.gov/data-research/research-reports/consumer-use-of-buy-now-pay-later-insights-from-the-cfpb-making-ends-meet-survey/">using overdrafts to cover their buy now, pay later payments</a>.</p> <p>Third, people typically have just a few credit cards, making it easier to keep track of payments. Buy now, pay later users, on the other hand, usually engage with multiple buy now, pay later lenders through retailers. As a result, it’s difficult for them to keep track of all the buy now, pay later lenders and retailers they made purchases from.</p> <h2>What are the Canadian governments doing?</h2> <p>Canada classifies buy now, pay later as an unsecured instalment loan, which means lenders are subject to laws at the federal and provincial levels.</p> <p>Under federal law, there is an <a href="https://www.sec.gov/Archives/edgar/data/1711291/000171129122000011/curo-20211231.htm">annual interest rate cap of 60 per cent</a>. Provincial laws require buy now, pay later lenders to disclose the cost of credit and extend consumer protection rights to buy now, pay later shoppers.</p> <p>At the provincial level, <a href="https://www.canada.ca/en/financial-consumer-agency/services/loans/buy-now-pay-later.html">specific laws come into play</a>. Manitoba, Alberta, Québec, and Ontario have passed laws that require lenders to be licensed before they offer these products and be subject to regulatory oversight.</p> <p>These laws regulate high-cost credit products that have annual rates of 32 per cent or higher. This means buy now, pay later services <em>should</em> fall under this category. However, I found no evidence of buy now, pay later lenders being licensed in Canada. This means either lenders are not aware they fall under these laws, or no one is enforcing them.</p> <p>This ambiguity over whether or not buy now, pay later lenders are subject to regulatory oversight could be a hindrance for banks like the <a href="https://financialpost.com/fp-finance/fintech/why-higher-interest-rates-threaten-the-buy-now-pay-later-bubble">Bank of Nova Scotia and the Canadian Imperial Bank of Commerce</a>, as it deters them from entering the buy now, pay later market despite its profitability.</p> <h2>Questions to ask before using buy now, pay later</h2> <p>Before signing up for a buy now, pay later loan, shoppers should consider the following six questions.</p> <p><strong>1. Payment structure.</strong> How much of the invoice amount needs to be paid upfront? The norm is typically 25 per cent. What is the number of remaining instalments? The answer to this is usually four. Lastly, what is the frequency of instalments? The norm is biweekly.</p> <p><strong>2. Sensitive information.</strong> Does the lender require you to provide information about your chequing account? This is sensitive information to give away and puts you at risk of data breaches. Most buy now, pay later lenders withdraw instalment amounts from chequing accounts or debit cards, potentially exposing shoppers to greater risks than credit cards.</p> <p><strong>3. Interest charges</strong> Does the buy now, pay later lender charge interest on instalment payments? The norm is no.</p> <p><strong>4. Late fees</strong> How much is the late fee, when does it apply and what is the maximum amount of the late fee? Typically, late fees don’t exceed $8 or one-quarter of the invoice amount. Late fees usually kick in if your scheduled payment remains unpaid after 10 days.</p> <p><strong>5. Data responsibility.</strong> Who is responsible for your data? Whether it’s the retailer, the buy now, pay later lender or a company whose cloud storage the provider may be using, you should know. In general, the buy now, pay later lender holds this responsibility.</p> <p><strong>6. Licensing.</strong> Is the buy now, pay later lender licensed to sell the loan? Usually, the <a href="https://dfpi.ca.gov/wp-content/uploads/sites/337/2020/03/afterpay-settlement.pdf">answer to this question is no</a>.</p> <h2>Buy now, pay later regulation</h2> <p>Two sets of laws and regulations should be implemented to address some of these issues. The first set of regulations focuses on how buy now, pay later lenders interact with consumers. These lenders should clearly communicate <a href="https://papers.ssrn.com/sol3/papers.cfm?abstract_id=4359956">all terms and conditions of their loans</a>, including late charges, interest charges and payment schedules, on their platforms to ensure shoppers are fully informed of their financial obligations.</p> <p>The Financial Conduct Authority in the United Kingdom recently issued guidelines allowing buy now, pay later lenders to <a href="https://www.ft.com/content/ca428bc8-65c3-49ed-8ba6-0d6f206098aa">terminate, suspend or restrict access to shopper accounts</a> for any reason without notice. Effective September 2024, New Zealand will require buy now, pay later lenders to <a href="https://theconversation.com/if-it-looks-like-debt-lets-treat-it-like-debt-buy-now-pay-later-schemes-need-firmer-regulation-in-nz-211820">check a shopper’s credit</a> before providing them a buy now, pay later loan.</p> <p>The second set of regulations defines the scope and boundaries of buy now, pay later lenders. On Dec. 9, 2022, California became the first American state to <a href="https://dfpi.ca.gov/2022/12/09/buy-now-pay-later-protect-yourself-before-you-check-out/">classify buy now, pay later as a loan</a>. Such classifications allowed California regulators to <a href="https://stateline.org/2022/02/02/regulators-scrutinize-buy-now-pay-later-plans/">question lenders about their transparency in disclosing the terms of their offerings</a>.</p> <p>The hope is that these laws and regulations will facilitate microlending and not impede the existence of buy now, pay later services, but rather make it safer and more secure for both lenders and users.<!-- 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/215421/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/vivek-astvansh-1318943"><em>Vivek Astvansh</em></a><em>, Associate Professor of Quantitative Marketing and Analytics, <a href="https://theconversation.com/institutions/mcgill-university-827">McGill University</a> and <a href="https://theconversation.com/profiles/chandan-kumar-behera-1479139">Chandan Kumar Behera</a>, PhD Student in Marketing, <a href="https://theconversation.com/institutions/indian-institute-of-management-lucknow-6023">Indian Institute of Management Lucknow</a></em></p> <p><em>Image credits: Shutterstock </em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/the-hidden-risks-of-buy-now-pay-later-what-shoppers-need-to-know-215421">original article</a>.</em></p> </div>

Money & Banking

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Elderly couple left stranded by cruise ship

<p>An elderly American couple was left behind by a Norwegian Cruise Line while on holiday in Spain this week. </p> <p>Richard and Claudene Gordon- aged 84 and 81 - were on a Mediterranean cruise aboard the Norwegian Viva with plans to celebrate Richard's birthday before things went downhill.</p> <p>The couple decided to take an independent excursion by themselves while the ship was docked in Motril, Spain, but on their return, their bus was delayed for an hour due to poor weather, so they ran late for the 5:30pm all-aboard time ahead of a scheduled 6pm departure.</p> <p>“I am a very experienced traveler and have probably been on as many as 30 cruises during my lifetime,” Richard told <em>CNN</em>. </p> <p>“Never before have we ever missed catching a ship on time at a port. So we are not someone who abuses the system.”</p> <p>Richard claimed that at 5:45pm they notified a relative on board who raised the alarm that they were nearby and running late, but nothing could be done at that point as the ship had to leave on time. </p> <p>By the time the couple arrived at 6:10pm, the boat had left the harbour, but Richard claimed that the cruise line had a tendency to depart behind schedule, and made no attempt to contact them until  late Tuesday. </p> <p>“Our cruise began in Lisbon and we departed from Lisbon about one and a half hours after the scheduled departure at 4pm,” he claimed.</p> <p>“Then the next night or two, at least a half-hour late from the dock, so it is clear that they do not always leave on the exact moment scheduled.”</p> <p>The couple were left stranded without their medication, eyeglasses and spare hearing aid batteries, which were left on board. </p> <p>Their daughter ended up having to book her parents a flight to Palma de Mallorca, where the boat was making its next call Wednesday morning, according to the publication. </p> <p>By the time the couple got to Mallorca, they were met with "a beautiful black BMW limousine" which took them back to their ship. </p> <p>"There we were met by the head of ship services who escorted us inside the ship to meet the general manager of the ship, then they escorted us to breakfast, then they escorted us to our cabin.They said they have already complained about the harbour master who was supposed to take care of things for them.</p> <p>"But of course the ship had not contacted us directly for two days so that doesn’t speak so well for them.”</p> <p>The Norwegian Cruise Line disputed the couple’s account of what happened.</p> <p>“After several attempts to contact these guests with the phone numbers provided, as well as trying to phone their emergency contact, we were unable to speak to them directly. However, we worked closely with the local port agents to make arrangements for the guests to rejoin the vessel,” a spokesperson said. </p> <p>“It is important to note that a delayed departure has the potential to impact the ship’s ability to deliver its planned itinerary and thus influence the experience for all guests on-board. While this was a very unfortunate situation, guests are responsible for ensuring they return to the ship at the published time.”</p> <p><em>Image: Getty</em></p> <p> </p>

Travel Trouble

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New twist in real identity of "elderly" shoplifter

<p>New details have emerged after an "elderly" woman was photographed after allegedly being targeted by police for <a href="https://oversixty.com.au/finance/legal/old-woman-targeted-and-accused-of-shoplifting" target="_blank" rel="noopener">shoplifting</a>. </p> <p>The original photo, which was shared to X, showed an older woman standing outside a Coles supermarket, while two officers sifted through her groceries to check she wasn't stealing. </p> <p>The post garnered widespread outrage, with many people leaping to the woman's defence and calling for people to "boycott Woolies and Coles".</p> <p>Now, it turns out that the shopper wasn't an old woman at all, but a 32-year-old woman dressing to appear older. </p> <p>According to reports from <a href="https://7news.com.au/lifestyle/new-twist-after-photo-of-elderly-coles-shopper-being-stopped-by-police-sparks-furious-reaction-c-14356492" target="_blank" rel="noopener"><em>7News</em></a>, the woman was impersonating an elderly shopper during the trip to Coles and was discovered with a significant amount of groceries.</p> <p>Victoria Police confirmed they were called to the supermarket, and issued the woman with a caution for shoplifting. </p> <p>“Police responded to reports of shoplifting at a centre in Richmond about 3.30pm on 17 April,” police said.</p> <p>“Officers arrived to discover a woman had been detained on the ground by a loss prevention officer employed by the store. Police separated the parties and spoke with a 32-year-old woman from Glenroy who was cautioned for shoplifting.”</p> <p>In the initial post to social media, the bystander took aim at Coles and Victoria Police for targeting the shopper, who they believed was elderly, describing her apprehension as “forcible”.</p> <p>“I told the police that I’ll pay for her food and let her go and then I got threatened with being arrested for ‘obstructing police’,”the X user said</p> <p>In further posts, the bystander made even more serious allegations about the incident.</p> <p>“When I intervened to help the lady I then got threatened by the police of being arrested for ‘obstructing a police matter’,” they posted.</p> <p><em>Image credits: X (Twitter)</em></p>

Legal

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Hall of Fame fighter hospitalised after saving elderly parents from fire

<p>In the heart of Ohio, a story of heroism and sacrifice has emerged from the flames of a devastating house fire.</p> <p>Mark Coleman, a revered figure in the world of mixed martial arts (MMA) and the UFC (Ultimate Fighting Championship), found himself in the midst of a harrowing ordeal, where his actions transcended the octagon to demonstrate unparalleled bravery and love for family.</p> <p>On a fateful Tuesday morning, as the dawn painted the sky over Fremont, Ohio, tragedy struck the Coleman household. Details of the fire initially emerged through local news outlets, shrouded in anonymity. However, it wasn't long before the truth surfaced – it was Mark Coleman, the UFC legend, who had selflessly rushed into the inferno to rescue his elderly parents from imminent danger.</p> <p>Reports indicated that Coleman, aged 59, wasted no time in the face of adversity. With unwavering determination, he courageously carried both of his parents, Dan and Connie Foos Coleman, to safety, braving the engulfing flames that threatened to consume their home. Yet, his valour knew no bounds as he plunged back into the fiery abyss, driven by an instinctive urge to save another beloved member of the family – their loyal dog, Hammer.</p> <p>Tragically, despite his desperate efforts, the canine companion did not survive the blaze. Coleman's daughter, Kenzie, revealed on social media that Hammer's persistent barking had roused her father from slumber, ultimately saving his life. This heartbreaking loss added another layer of sorrow to an already traumatic event.</p> <p>As news of Coleman's heroic act spread, an outpouring of support and prayers flooded social media platforms. His second daughter Morgan, in an emotional Instagram post, recounted her father's selfless deeds and pleaded for continued prayers during this trying time. To the Coleman family, Mark wasn't just a UFC pioneer; he was a beacon of strength and resilience, a cherished father and a beloved friend.</p> <blockquote class="instagram-media" style="background: #FFF; border: 0; border-radius: 3px; box-shadow: 0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width: 540px; min-width: 326px; padding: 0; width: calc(100% - 2px);" data-instgrm-captioned="" data-instgrm-permalink="https://www.instagram.com/p/C4bQHaopteq/?utm_source=ig_embed&utm_campaign=loading" data-instgrm-version="14"> <div style="padding: 16px;"> <div style="display: flex; flex-direction: row; align-items: center;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 40px; margin-right: 14px; width: 40px;"> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 100px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 60px;"> </div> </div> </div> <div style="padding: 19% 0;"> </div> <div style="display: block; height: 50px; margin: 0 auto 12px; width: 50px;"> </div> <div style="padding-top: 8px;"> <div style="color: #3897f0; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: 550; line-height: 18px;">View this post on Instagram</div> </div> <div style="padding: 12.5% 0;"> </div> <div style="display: flex; flex-direction: row; margin-bottom: 14px; align-items: center;"> <div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(0px) translateY(7px);"> </div> <div style="background-color: #f4f4f4; height: 12.5px; transform: rotate(-45deg) translateX(3px) translateY(1px); width: 12.5px; flex-grow: 0; margin-right: 14px; margin-left: 2px;"> </div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(9px) translateY(-18px);"> </div> </div> <div style="margin-left: 8px;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 20px; width: 20px;"> </div> <div style="width: 0; height: 0; border-top: 2px solid transparent; border-left: 6px solid #f4f4f4; border-bottom: 2px solid transparent; transform: translateX(16px) translateY(-4px) rotate(30deg);"> </div> </div> <div style="margin-left: auto;"> <div style="width: 0px; border-top: 8px solid #F4F4F4; border-right: 8px solid transparent; transform: translateY(16px);"> </div> <div style="background-color: #f4f4f4; flex-grow: 0; height: 12px; width: 16px; transform: translateY(-4px);"> </div> <div style="width: 0; height: 0; border-top: 8px solid #F4F4F4; border-left: 8px solid transparent; transform: translateY(-4px) translateX(8px);"> </div> </div> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center; margin-bottom: 24px;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 224px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 144px;"> </div> </div> <p style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; line-height: 17px; margin-bottom: 0; margin-top: 8px; overflow: hidden; padding: 8px 0 7px; text-align: center; text-overflow: ellipsis; white-space: nowrap;"><a style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: normal; line-height: 17px; text-decoration: none;" href="https://www.instagram.com/p/C4bQHaopteq/?utm_source=ig_embed&utm_campaign=loading" target="_blank" rel="noopener">A post shared by Morgan Coleman (@mocoleman18)</a></p> </div> </blockquote> <p>Mark Coleman's legacy in the world of MMA is undeniable. Dubbed "The Godfather of Ground-and-Pound", he etched his name in the annals of UFC history as the organisation's inaugural heavyweight champion in 1997. His contributions to the sport earned him a well-deserved place in the UFC Hall of Fame in 2008, solidifying his status as a true icon.</p> <p>However, beyond the glitz and glory of the octagon, Coleman's journey has been marked by personal struggles and triumphs. In 2020, he battled a heart attack, a testament to his resilience in the face of adversity. A year later, he confronted his demons, seeking rehabilitation for alcoholism, and emerged stronger, embracing a healthier lifestyle.</p> <p>Author Jonathan Snowden, who shared a close bond with Coleman and was poised to document his remarkable life story, offered a glimpse into the aftermath of the fire. Through poignant images capturing the devastation, Snowden provided a raw and unfiltered portrayal of the ordeal. </p> <blockquote class="twitter-tweet"> <p dir="ltr" lang="en">This is what's left of the house Mark Coleman and his family were in last night. </p> <p>Mark's dog Hammer woke him up to a house in flames. He saved both his parents and is fighting for his life. <a href="https://t.co/hicYhv7SDm">pic.twitter.com/hicYhv7SDm</a></p> <p>— Jonathan Snowden (@JESnowden) <a href="https://twitter.com/JESnowden/status/1767637195555299781?ref_src=twsrc%5Etfw">March 12, 2024</a></p></blockquote> <p><em>Images: Instagram / Twitter (X)</em></p>

Caring

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"Cruel" shopper slammed for leaving dog in hot car

<p>A woman has been slammed on social media for allegedly leaving her dog in an unattended car for 40 minutes on a hot day. </p> <p>The incident occurred at Warringah Mall in Sydney's north on Monday, when temperatures reached up to 28 degrees.</p> <p>Claire, claimed the dog-owner pulled up next to her in an undercover car park, and then watched the woman leave her pet locked in an unattended car while she shopped. </p> <p>"Myself and my mother waited till she got back," she told <em>Yahoo News Australia</em>. </p> <p>"It was around 3.15pm and she didn’t come back till just before 4pm".</p> <p>During that time, Claire said she called security, who attempted to contact the owner via a mobile number on the dog's harness. She also tried calling the RSPCA and police but claimed that not much could be done.</p> <p>When the owner finally returned, Claire questioned her about leaving the "panting and drooling" animal unattended, but the woman reportedly  just "laughed and scoffed" before "driving away as quick as possible".</p> <p>Claire shared photos of the pup on Facebook  and criticised the owner, for her "absolute irresponsibility and disgusting behaviour", calling her an "absolute d**khead". </p> <p> "People like you should not own animals," she wrote. </p> <p>While many agreed that the woman's actions were "absolutely awful," a few others argued the act was fine as the car was undercover and "the dog doesn't look hot and distressed at all."</p> <p>Another person who claimed to know the owner, said that the woman's car "has an aircon function which allows the air-conditioning to run when the engine is not running" and the pet is generally "very spoiled and happy". </p> <p>A few others disagreed, and said that the act was "cruel" and "simply disgusting" regardless. </p> <p>"Undercover or not you don't lock a baby in a car, you don't lock an animal in a car ... no excuse," one wrote.</p> <p>An RSPCA spokesperson has also spoken out and said that leaving a dog inside a car unattended is "always dangerous" no matter the location or the temperature outside. </p> <p>They said that even on mild days, temperatures in a car can "rapidly heat up" and can reach "double" the outside temperature.</p> <p>"When it’s 22 degrees Celsius outside, the inside of a car can reach a stifling 47 degrees and this is no environment for a dog," the spokesperson said.</p> <p><em>Image: Facebook</em></p>

Family & Pets

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Aldi shopper mercilessly mocked over "shotgun pellet" claims

<p>An Aldi shopper has been slammed online after claiming she found "shotgun pellets" in a piece of meat. </p> <p>The mum from Canberra took to a Facebook group dedicated to parents who shop at Aldi, to share pictures of a mysterious find in her corned beef.</p> <p>She claimed the slab of meat was laced with small metal balls, and after her growing concern about what she ingested, the woman went so far as to book in an abdominal x-ray. </p> <p>“Today I prepared a whole piece of meat in a pressure cooker that I bought at ALDI in Gungalhin, I was in a hurry so I only added one garlic and salt,” she wrote on Facebook.</p> <p>“While I was tasting a piece that had just been taken out of the pot, I felt something hard and noticed that it was a metal ball."</p> <p>“I checked the pot thoroughly but it was not part of the pot. Then I helped myself to another piece and realised there was one more I didn’t chew, I took it out and looked — ball was IN BETWEEN.</p> <p>“Can I complain to Aldi? Has it happened to you? I was going to give that meat to my two-year-old daughter, now I’m afraid. I prefer to throw it away.”</p> <p>She later added, “Update: shotgun pellets inside the cow meat! I have an abdominal [x-ray] for tomorrow to check if I ate some before noticed. There are more inside the meat."</p> <p>Despite her grave concerns, other shoppers were quick to slam her claims, with many arguing back that the small black balls appeared to be peppercorns and maintained that “no livestock are slaughtered with shotguns”.</p> <p>“Aren’t cows shot with a power head not bullets?” one said.</p> <p>Another wrote, “Cows aren’t shot with a shotgun they get a metal rod through the brain. Farmers don’t even use a shotgun, they use a gun that uses one bullet through the brain. This is very odd.”</p> <p>Many people also claimed that the round balls seemed to be peppercorns, prompting the mum to defend herself.</p> <p>She said, “That is not peppercorn! It’s completely round, the other one half is being covered by the meat. Definitely looks like something that shouldn’t be in there.”</p> <p>An ALDI Australia spokesperson has told <em><a href="https://7news.com.au/lifestyle" target="_blank" rel="noopener" data-link-type="article-inline">7News</a></em> that it has not received any similar complaints.</p> <p>“We are in direct contact with customer and are investigating the possibility that this product has not met our strict quality and safety standard,” the spokesperson said.</p> <p>“We have not received any further complaints of a similar nature, however, customers can return any product they are not satisfied with for a full refund or replacement.”</p> <p><em>Image credits: Getty Images / Facebook</em></p>

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