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Can you lend a paw this tax time to help cats in need?

<p>With a proud reputation of caring for cats for more than 60 years, the Cat Protection Society of NSW runs Sydney’s only no-kill shelter just for cats, as well as providing feline welfare programs to help cats and the people who love them. </p> <p>Cat Protection began in 1958 as a small group of people dedicated to reducing the number of street cats and while our organisation has grown over the years, our vision remains the same; that every cat deserves a loving and responsible home.</p> <p>Over the years, Cat Protection has helped literally hundreds of thousands of cats, kittens, and people. We’ve led the way in setting the standards for best-practice feline sheltering, and our health and welfare services extend far beyond our adoption centre. And while technology means we can offer a great range of free cat care resources online, we’ve never lost our human touch and we still help thousands of people every year with advice and tips on cat care by phone or in-person, at no cost. </p> <p>Our subsidised desexing, vaccination and microchipping programs promote cat health and welfare in the community and our newest program, Adopt-a-Stray, offers a complete and affordable package for those who wish to fully welcome a street cat into their heart and home. </p> <p>What sets us apart from many other animal shelters is our holistic approach to each individual cat or human client. Cats are not given a time limit, although most are adopted within days or weeks. Every cat is individually assessed and provided with a care plan to meet their unique needs. If they need complex surgery, allergy trials or behavioural interventions our highly qualified team will work with veterinarians and specialists to ensure the cat gets everything they need to set them on the path to living their best life.</p> <p>A kind person found Snake, a four-week-old sickly orphaned kitten. In addition to cat flu, our vets identified corneal scarring in his right eye, a blocked tear duct, and an adhesion on his eyelid restricting the normal movement of his third eyelid. Treatment resolved the flu and improved his eye, but Snake will live with limited vision in that eye. This has not dampened his playfulness or zest for life.</p> <p>As well as poor physical health, orphaned kittens miss out on the important lessons of being a cat from their mum and siblings, and this can lead to behavioural issues. Where we can, we will make sure such kittens get to join a stepfamily, but in cases such as Snake’s, illness means that isn’t always possible. It is then up to our human team to work with these little ones to help them learn to navigate the world with good manners!</p> <p>In contrast, Banjo had all the behavioural benefits of his brother but alas at seven weeks of age Banjo weighed only 560 grams while his brother Clancy weighed 900 grams!  </p> <p>Banjo was diagnosed with a rare form of congenital hypothyroidism. Because his condition was diagnosed early, his prognosis is very good. He was started on a medication called Thyroxine and went back into foster care so that we could monitor his progress and adjust the dose of his medication as necessary with follow-up blood tests. After six weeks in foster care, Banjo graduated to the adoption centre. He will need to be on Thyroxine for the rest of his life, but that didn’t daunt his new family who’ve told us Banjo is now thriving in his loving forever home.</p> <p>From individualised TLC and veterinary care for every cat and kitten, to helping human clients resolve cat challenges (from furniture scratching to strata bans) and strategic research and advocacy on behalf of people and cats, Cat Protection’s impact is so much greater than our budget. </p> <p>As an independent registered charity for cats, we’re dependent on donations and bequests to do our work. We are compliant, open and transparent; on our website you can see our audited annual reports for details of what we do and what it costs.</p> <p>We have a strict “no harassment” fundraising policy which means under no circumstances will your information be sold on, and we do not employ pressure-tactics or door-to-door solicitations. </p> <p>We don’t spend money paying fundraising companies to ring you at dinner time asking for money or send you five-page long letters insisting you give more. And we never will. </p> <p>Donations are invested in helping our feline friends and nurturing the unique bond between cats and people. Your generosity will mean that we can continue to help thousands of cats and people each year.</p> <p>If you can lend a paw, please <a href="https://www.givenow.com.au/catprotectionsocietynsw" target="_blank" rel="noopener">make your tax-deductible donation here</a>! </p> <p>For general advice on cat care and everything feline, call the Cat Protection Society of NSW on 02 9557 4818 or visit <a href="https://catprotection.org.au/" target="_blank" rel="noopener">catprotection.org.au</a>  </p> <p><em>Images: Supplied.</em></p> <p><em>This is a sponsored article produced in partnership with the <span style="font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Oxygen, Ubuntu, Cantarell, 'Open Sans', 'Helvetica Neue', sans-serif;">Cat Protection Society of NSW.</span></em></p>

Family & Pets

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Want to lend a hand to flood victims? Here are five ways you can help

<p dir="ltr">As Aussies begin the lengthy process of cleaning up and recovering following the recent floods in Victoria and NSW, many of us watching on will want to lend a helping hand.</p> <p dir="ltr">Whether you are hoping to volunteer your time or donate, there are plenty of ways to pitch in to help, including these five.</p> <p dir="ltr"><strong>Donate money</strong></p> <p dir="ltr">Donating money is usually the most effective way to help, with the Community Enterprise Foundation, <a href="https://www.bendigobank.com.au/media-centre/victoria-flood-appeal-2022/" target="_blank" rel="noopener">Bendigo Bank</a>’s charitable arm, calling for donations for flood victims which will be passed on to local charitable areas.</p> <p dir="ltr">You can also make financial donations to flood appeals that have been started by charities, including the <a href="https://www.redcross.org.au/" target="_blank" rel="noopener">Red Cross</a>, <a href="https://www.vinnies.org.au/page/Find_Help/Flood_appeal/" target="_blank" rel="noopener">St Vincent de Paul</a>, <a href="https://www.salvationarmy.org.au/donate/make-a-donation/donate-online/?appeal=2022floodappealhp" target="_blank" rel="noopener">Salvation Army</a>, <a href="https://foodbank.raisely.com/helpnswfloodvictims" target="_blank" rel="noopener">Food Bank NSW</a>, and <a href="https://events.ozharvest.org/flexischools-ozharvest?utm_campaign=flexi_schools&amp;utm_medium=edm&amp;utm_source=email" target="_blank" rel="noopener">OzHarvest Victoria</a>.</p> <p dir="ltr">The Victorian Farmers Federation has also started a <a href="https://www.vff.org.au/donations/" target="_blank" rel="noopener">Disaster Relief Fund</a> to assist farmers affected by floods, with donations able to be taken over the phone on 1800 882 833 or by mailing through a cheque.</p> <p dir="ltr"><strong>Volunteer with SES</strong></p> <p dir="ltr">If you want to get your hands dirty, you can apply to be a volunteer with the State Emergency Service (SES) in NSW or a regular volunteer with SES Victoria.</p> <p dir="ltr">As a spontaneous volunteer, members of the community can assist NSW SES during emergencies in a range of ways without a long-term commitment. These can include helping people prepare for flooding, answering phones and providing administrative support, clearing debris, or in a logistical role providing support to crews in the field, among others.</p> <p dir="ltr">By becoming a volunteer with SES Victoria, you can assist with emergency response to storms and floods and other duties. Unlike being a spontaneous volunteer, joining as a regular volunteer is a longer-term commitment.</p> <p dir="ltr">To find out more about volunteering with SES NSW or Victoria, head <a href="https://www.ses.nsw.gov.au/spontaneousvolunteering" target="_blank" rel="noopener">here</a> or <a href="https://www.ses.vic.gov.au/join-us" target="_blank" rel="noopener">here</a>.</p> <p dir="ltr"><strong>Lend a hand how you can with Emergency Support Volunteering or Blaze Aid</strong></p> <p dir="ltr">Whether you’re handy with tools or are happy to provide social support, there’s a way you can help as a volunteer with Emergency Support Volunteering in NSW.</p> <p dir="ltr">After signing up and nominating how you want to help, the organisation passes your details to verified organisations near you.</p> <p dir="ltr">To sign up or find out more, head <a href="https://emergency.volunteer.org.au/volunteer-registration/4/nsw-floods#register" target="_blank" rel="noopener">here</a>.</p> <p dir="ltr">For Victorians looking to volunteer, <a href="https://blazeaid.com.au/donations/" target="_blank" rel="noopener">Blaze Aid</a> is currently recruiting and assembling teams of volunteers in central Victoria. The organisation will be setting up camps from next week.</p> <p dir="ltr"><strong>Donate clothes and essentials</strong></p> <p dir="ltr">With many victims losing their possessions, donating clothes and household items can also be a big help.</p> <p dir="ltr"><a href="https://www.givit.org.au/storms-and-flooding" target="_blank" rel="noopener">GIVIT</a>, a crowd-sourced website, is open to donations of clothing, furniture, money for fuel, and vouchers for other essentials, with 11,000 items that are needed being listed.</p> <p dir="ltr">Donations of food, emergency housing and clothing can also be made through St Vincent de Paul, either as one-off or ongoing donations.</p> <p dir="ltr"><strong>Fundraise</strong></p> <p dir="ltr">If you want to set up a fundraiser or appeal to help victims, the best way to do it is through an existing charity, which can be found through the <a href="https://www.acnc.gov.au/charity/charities" target="_blank" rel="noopener">ACNC</a>, <a href="https://www.fairtrading.nsw.gov.au/charitable-fundraising/fundraising-for-a-disaster" target="_blank" rel="noopener">Service NSW</a>, or <a href="https://registers.consumer.vic.gov.au/frsearch" target="_blank" rel="noopener">Consumer Affairs Victoria</a> websites.</p> <p dir="ltr">According to Fairtrading NSW, if you are allowed to fundraise on behalf of an authorised fundraiser, such as a charity, you won’t need to get approval. </p> <p dir="ltr">If you decide to raise funds through crowdfunding, such as using websites such as GoFundMe, you may need to apply for an authority to raise money.</p> <p><span id="docs-internal-guid-426ec798-7fff-969f-cd9c-3a34110fee5a"></span></p> <p dir="ltr"><em>Image: Getty Images</em></p>

Caring

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Buy now, pay later: Apple will now lend you money to keep you spending and expand its empire

<p>Apple has joined the thriving “buy now, pay later” industry, with a customised service called <a href="https://www.cnbc.com/video/2022/06/06/apple-announces-buy-now-pay-later-program-called-apple-pay-later.html" target="_blank" rel="noopener">Apple Pay Later</a>. The service was announced earlier this week at the 2022 Worldwide Developers Conference, and will initially be launched in the United States later <a href="https://www.macrumors.com/2022/06/07/apple-pay-later-purchases-installment-plan/" target="_blank" rel="noopener">this year</a>.</p> <p>Pay Later will be built into the Apple Wallet and eligible for use on any purchase made through Apple Pay. Customers will be able to split the cost of a purchase into four equal payments, with zero interest and fees, spread over a period of <a href="https://www.theguardian.com/technology/2022/jun/06/apple-redesigns-the-iphone-lock-screen-in-ios-16-at-wwdc" target="_blank" rel="noopener">four months</a>.</p> <p>To qualify, however, Apple will first do a <a href="https://www.zdnet.com/finance/banking/wwdc-2022-buy-now-pay-later-with-apples-new-wallet-feature/" target="_blank" rel="noopener">soft credit check</a> on users wanting to use the service. The technology behemoth <a href="https://www.apple.com/newsroom/2022/06/apple-unveils-new-ways-to-share-and-communicate-in-ios-16/" target="_blank" rel="noopener">claims</a> it has designed the feature with “users’ financial health in mind”.</p> <p>It’s likely Apple is trying to consolidate its foothold in the world of consumer finance, and increase its profitability. And consumers should be aware of the risks of using such a service.</p> <p><strong>Apple: the consumer darling</strong></p> <p>With the launch of Pay Later, Apple will be competing with many other similar fin-tech companies including PayPal, Block, Klarna and AfterPay – some of which saw their share prices <a href="https://www.bloomberg.com/news/articles/2021-07-13/apple-goldman-plan-buy-now-pay-later-service-to-rival-paypal" target="_blank" rel="noopener">fall</a> following Apple’s announcement.</p> <p>Apple will benefit from its huge market and brand power, with the capability to attract millions to its products and services. And with an acute focus on customer experience, Apple has managed to foster a community of evangelists. There’s no doubt the company is a <a href="https://www.forbes.com/sites/christinemoorman/2018/01/12/why-apple-is-still-a-great-marketer-and-what-you-can-learn/?sh=55e3c32c15bd" target="_blank" rel="noopener">consumer darling</a>.</p> <p>Moreover, Apple has established an ever-growing ecosystem in which users are encouraged to tap into Apple products and services as much, and as often, as possible – such as by making payments through their iPhone instead of a bank card.</p> <p>The tech giant provides ways to integrate once-separate computing capabilities into a phone or wristwatch – while keeping the <a href="https://www.forbes.com/sites/christinemoorman/2018/01/12/why-apple-is-still-a-great-marketer-and-what-you-can-learn/?sh=7c61018615bd" target="_blank" rel="noopener">consumer’s experience</a> in focus. Pay Later enhances this customer-centric experience further. It’s one more way users can integrate the tools they need within a single ecosystem.</p> <p><strong>What’s in it for Apple?</strong></p> <p>Apple stands to make financial gains through Pay Later, thereby adding to its bottom line. Currently its reach in the retail world is evident, with iPhone-based payment services <a href="https://www.bloomberg.com/news/articles/2021-07-13/apple-goldman-plan-buy-now-pay-later-service-to-rival-paypal" target="_blank" rel="noopener">accepted by 85% of US retailers</a>.</p> <p>One 2021 survey found that about 26% of <a href="https://www.statista.com/statistics/1275393/australia-share-of-consumers-using-bnpl-by-purchase-category/" target="_blank" rel="noopener">regular online shoppers</a> in Australia used buy now, pay later services.</p> <p>As Apple’s customers increasingly start to use the Pay Later service, it will gain from merchant fees. These are fees which retailers pay Apple in exchange for being able to offer customers Apple Pay. In addition, Apple will also gain valuable insight into consumers’ purchase behaviours, which will allow the company to predict future consumption and spending behaviour.</p> <p>To deliver the buy now, pay later service, Apple has <a href="https://www.bloomberg.com/news/articles/2021-07-13/apple-goldman-plan-buy-now-pay-later-service-to-rival-paypal" target="_blank" rel="noopener">joined forces with Goldman Sachs</a>, who will finance the loans.</p> <p>This relationship has been in place since 2019, with Goldman Sachs also acting as a partner for the Apple credit card (although Pay Later is not tied to the Apple credit card). This strategic partnership has helped Apple gain strong footing in the world of consumer finance.</p> <p><strong>Challenges for consumers</strong></p> <p>The reality is that the world of <a href="https://www.holmanwebb.com.au/blog/655/buy-now-pay-later-bnpl-update-how-to-seek-and-keep-code-compliance-accreditation" target="_blank" rel="noopener">unregulated finance</a>, which includes buy now, pay later, does not bode well <a href="https://ndh.org.au/debt-problems/buy-now-pay-later/risks-of-using-buy-now-pay-later/" target="_blank" rel="noopener">for all customers</a>.</p> <p>Younger <a href="https://www.emarketer.com/content/almost-75-of-bnpl-users-us-gen-z-millennials" target="_blank" rel="noopener">demographics</a> (such as Gen Z and Millenials) and low-income <a href="https://thefintechtimes.com/one-in-four-bnpl-users-are-financially-vulnerable/" target="_blank" rel="noopener">households</a> can be <a href="https://www.cnbc.com/2021/08/07/why-millennials-and-gen-zs-are-jumping-on-the-buy-now-pay-later-trend.html" target="_blank" rel="noopener">more vulnerable</a> to the risks associated with using these services – and can rack up debt as a result.</p> <p>Purchases through buy now, pay later schemes may also be driven by a desire to own the latest <a href="https://www.cnbc.com/2021/12/16/chinas-buy-now-pay-later-market-to-grow-challenges-ahead-experts.html" target="_blank" rel="noopener">gadgets and luxury goods</a> – a message pushed onto consumers through slick marketing. They can condition consumers to make purchases without feeling the pain of parting with cold, hard cash.</p> <figure class="align-center zoomable"><a href="https://images.theconversation.com/files/467674/original/file-20220608-24-ict1mh.jpeg?ixlib=rb-1.1.0&amp;q=45&amp;auto=format&amp;w=1000&amp;fit=clip"><img src="https://images.theconversation.com/files/467674/original/file-20220608-24-ict1mh.jpeg?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/467674/original/file-20220608-24-ict1mh.jpeg?ixlib=rb-1.1.0&amp;q=45&amp;auto=format&amp;w=600&amp;h=400&amp;fit=crop&amp;dpr=1 600w, https://images.theconversation.com/files/467674/original/file-20220608-24-ict1mh.jpeg?ixlib=rb-1.1.0&amp;q=30&amp;auto=format&amp;w=600&amp;h=400&amp;fit=crop&amp;dpr=2 1200w, https://images.theconversation.com/files/467674/original/file-20220608-24-ict1mh.jpeg?ixlib=rb-1.1.0&amp;q=15&amp;auto=format&amp;w=600&amp;h=400&amp;fit=crop&amp;dpr=3 1800w, https://images.theconversation.com/files/467674/original/file-20220608-24-ict1mh.jpeg?ixlib=rb-1.1.0&amp;q=45&amp;auto=format&amp;w=754&amp;h=503&amp;fit=crop&amp;dpr=1 754w, https://images.theconversation.com/files/467674/original/file-20220608-24-ict1mh.jpeg?ixlib=rb-1.1.0&amp;q=30&amp;auto=format&amp;w=754&amp;h=503&amp;fit=crop&amp;dpr=2 1508w, https://images.theconversation.com/files/467674/original/file-20220608-24-ict1mh.jpeg?ixlib=rb-1.1.0&amp;q=15&amp;auto=format&amp;w=754&amp;h=503&amp;fit=crop&amp;dpr=3 2262w" alt="An indoor shopping arcade is lined with luxury stores on either side" /></a><figcaption><em><span class="caption">Buy now, pay later schemes can give consumers the satisfaction of buying expensive products – without feeling like they’re splitting from cold, hard cash.</span> <span class="attribution"><span class="source">Shutterstock</span></span></em></figcaption></figure> <p>From a consumer psychology perspective, these services encourages immediate gratification and put younger people on the consumption treadmill. In other words, they may continually spend more money on purchases than they can actually afford.</p> <p>Missing payments on Pay Later would negatively impact an individual’s <a href="https://www.zdnet.com/finance/banking/wwdc-2022-buy-now-pay-later-with-apples-new-wallet-feature/" target="_blank" rel="noopener">credit rating</a>, which can then have adverse outcomes such as <a href="https://www.cnbc.com/select/side-effects-of-bad-credit/" target="_blank" rel="noopener">not qualifying</a> for traditional loans or credit cards.</p> <p>A focus on consumerist behaviour can also trigger an “<a href="https://www.psychologytoday.com/au/blog/the-psychology-deciding/202201/if-i-own-it-it-must-be-good-what-is-the-ownership-effect" target="_blank" rel="noopener">ownership effect</a>”. This is when people become attached to their purchases and are unlikely to return them, even if they can’t afford them.</p> <p>Apple’s technology-driven and consumer-centric marketing gives it an edge over other buy now, pay later schemes. It claims the service is designed with consumers’ financial health in mind. But as is the case with any of these services, consumers ought to be aware of the risks and manage them carefully. <!-- 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/184550/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/rajat-roy-1227884" target="_blank" rel="noopener">Rajat Roy</a>, Associate Professor, Bond Business School, <a href="https://theconversation.com/institutions/bond-university-863" target="_blank" rel="noopener">Bond University</a></em></p> <p><em>This article is republished from <a href="https://theconversation.com" target="_blank" rel="noopener">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/buy-now-pay-later-apple-will-now-lend-you-money-to-keep-you-spending-and-expand-its-empire-184550" target="_blank" rel="noopener">original article</a>.</em></p> <p><em>Image: Getty Images</em></p>

Technology

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Russell Crowe lends his baritone to Albo's campaign

<p dir="ltr">Anthony Albanese has kickstarted Labor’s campaign launch with a surprise (voice) appearance from Russell Crowe. </p> <p dir="ltr">The Opposition Leader was at Perth’s Optus Stadium over the weekend when the party’s campaign video began with the actor’s voiceover.</p> <p dir="ltr">“Australia, we can do better,” Crowe begins the video with.</p> <p dir="ltr">“All it takes is a better government, with better plans. Too many people are working multiple jobs just to keep their heads above water. We can do better than that.</p> <p dir="ltr">“Too many of our kids aren’t going to be able to buy a house. We can do better than that.</p> <p dir="ltr">“Too many people in regional Australia can’t get basic healthcare. We can do better than that.</p> <blockquote class="twitter-tweet"> <p dir="ltr" lang="en">Your vote is powerful. Your vote can change Australia. For the better. <a href="https://t.co/rIbGJuyhGA">pic.twitter.com/rIbGJuyhGA</a></p> <p>— Anthony Albanese (@AlboMP) <a href="https://twitter.com/AlboMP/status/1520629919453114369?ref_src=twsrc%5Etfw">May 1, 2022</a></p></blockquote> <p dir="ltr">“And our elderly are being mistreated every single day in a broken aged care system. We can do so much better than that.</p> <p dir="ltr">“We have to. Your vote is powerful. Your vote can change things. Your vote can change Australia for the better.”</p> <p dir="ltr">The video ended with a slogan reading: A better future. </p> <p dir="ltr">Russell Crowe has previously supported the Labor Party in 2013 when Bill Shorten was leader. </p> <p dir="ltr"><em>Images: Facebook/Getty</em></p>

News

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Gravity lends weight to cinema – and always has

<p>Cinema’s relationship to gravity is a fascinating one.</p> <p>At the time of its birth, in 1895, cinema was seen as a revolutionary machine that didn’t simply defy gravity through moving pictures seemingly suspended in air, but allowed one to experience the forces of the world directly, sweetly, intimately.</p> <p>The stories of the first movie patrons hurrying away from the screen in case they were run over as <a href="http://www.imdb.com/title/tt0000012/">The Train Arrived at the Station</a> (The Lumière Brothers, 1896) flickered before them is a startling – if perhaps mythical – account of cinema’s gravitational grandeur.</p> <p>The awe and wonder of cinema lies in its remarkable ability to visualise and texturise the weight and feel of things, to render movement and velocity realistically, and to create spaces deep, far and wide. The precipice is one of cinema’s favourite environments. Directors turn to it to create a sense of depth and distance, and to enact the experience of falling.</p> <p>An iconic cinematic moment, captured in such films as <a href="http://www.imdb.com/title/tt0052357/?ref_=fn_al_tt_1">Vertigo</a> (Hitchcock, 1958) and <a href="http://www.imdb.com/title/tt0114558/">Strange Days</a> (Bigelow, 1995), involves a character looking down from the precipice, to then either jump, fall or be pushed off the edge, with a corresponding cinematography that captures them hurtling, hurtling, hurtling towards the nadir. Then splat.</p> <p>The power and beauty of cinema in part resides in its ability to effectively engage the viewer’s emotions, and to envelop the body in a sea of sensations that are directly felt. Cinema is a sentient machine that awakens the senses in all of us.</p> <p>Cinema can create the conditions for viewers to sweat, feel nauseous, or be aroused. In action sequences or scenes of terror, it can lead to an increase in viewers’ heart-rates and make their pupils dilate.</p> <p>At its most awesome, when we are faced by something extraordinary or perplexing, cinema can take our breath away, render us speechless and powerless before its infinite gaze. Many critics argue that the Star Gate sequence in <a href="http://www.imdb.com/title/tt0062622/?ref_=fn_al_tt_1">2001: A Space Odyssey</a> (Kubrick, 1968) is one such sublime moment. The viewer is taken along an unknown colourised vector, without “narrative” coordinates to anchor them, enabling them to experience the existential nothingness of (anti) gravity as they do so.</p> <p>Science fiction cinema is particularly suited to capturing the sensorial qualities of movement and speed. Its special effects and future settings enable it to legitimately defy gravity; to take the viewer through incandescent wormholes at light speed and out into alien environments where objects, spaces, things don’t follow gravitational laws or the iron cage of physics.</p> <p>The expansive space of science fiction creates the sense that gravity is a minor factor in the workings of the universe. When these films are set in outer space, science fiction is able to demonstrate the giddiness of weightlessness, the eerie silence of dark space, and the absolute terror of being untethered from Earth.</p> <p><a href="http://www.imdb.com/title/tt1454468/?ref_=fn_al_tt_1">Gravity</a> (Cuarón, 2013) is perhaps one of the most perfect demonstrations of cinema’s intimate and inter-connecting relationship to the forces of nature and the forces that lie beyond them, nestled as they are amongst the vast, undulating sheets of the cosmos.</p> <p>The film’s unbroken opening “floating” shot, lasting more than 13 minutes, captures the weightlessness and the spinning vastness of space, the distant, rotating beauty of Earth, and humankind’s sense of isolation and isolating melancholy as the astronauts go about their daily, routinised work, as if they have clocked in at an inter-stellar factory.</p> <p>Gravity’s 3D spatial arrangements induce a sense of vertigo, disorientating the viewer, creating the sensation that one is in outer space, beholden by its massiveness, and yet trapped precisely because one is not tethered to anything. Debris shoots out from the darkness; lines dangle; space is not logical. There is zero gravity in Gravity.</p> <p>There is no single or singular precipice in the film: the mise-en-scène combines zenith and nadir. One is constantly falling or climbing, climbing and falling. It is difficult to breathe while watching the movie, and almost impossible to not experience one’s own body as if it is stranded in outer space, without gravitational crampons to hold onto, to root one to terra firma.</p> <p>If newspaper <a href="http://movies.about.com/od/gravity/fl/Gravity-Movie-Review.htm">reports are accurate</a>, then just as the train that arrived at the station created hysteria in those who watched it more than 100 years ago, so today Gravity sends people running down the aisles, too discombobulated to carry on watching.</p> <p>Much of contemporary blockbuster cinema functions simply to activate the senses; to enact and embody the “thrill aesthetic” through its lavish special effects and immersive 3D technology.</p> <p>There is much criticism of this as a cinematic form. Some argue that complex characterisation and serious storytelling are marginalised or juvenilised in favour of the kinetic ride.</p> <p>Thrill, however, is an expansive concept and the senses are not necessarily crude or divisible in the way. Spectacle can create the conditions for profound contemplation, as Gravity clearly does.</p> <p>Gravity releases the viewer into an unknown or unknowable void and in so doing asks, or rather compels, them to consider what it is that makes one human, social, and connected.</p> <p>Lost in space, caught floating and fleeing in the pure realm of the senses, we find out who we truly are and can be.</p> <p><em>Written by Sean Redmond. Republished with permission of </em><a href="https://theconversation.com/gravity-lends-weight-to-cinema-and-always-has-19157"><em>The Conversation</em></a><em>. </em></p>

Movies

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Tips for obtaining finance for over 50s

<p>If you are over 50 and want to borrow money for a mortgage or other major purchase, you might expect that lenders will want you to jump through more hoops than younger borrowers. While lenders will not discriminate based purely on age, it is true that there are certain qualification criteria that may naturally be increasingly more difficult to satisfy as you get older.</p> <p>So, what is it that lenders will be looking for and what can you do to improve your chances? Here are a few pointers that may help.</p> <p><strong class="bigger-text">The loan term is a critical factor</strong></p> <p>The most obvious factor that any lender must take into account is how long a potential borrower will remain working to earn an income. For borrowers over 50, a lender will naturally be asking themselves “how long will this person continue to be in the workforce?”</p> <p>If a borrower is aged 55, requires a loan term of 30 years, and is using employment income to service the loan repayments, then the simple math tells us that the borrower will need to work until age 85. In assessing such a loan request, a lender will need to consider the borrower's realistic working life.</p> <p>This may depend, among other things, on the type of work they do. For example, someone in a sedentary professional occupation, such as an accountant, may reasonably be expected to be able to work longer in life than someone doing manual labour.</p> <p><strong class="bigger-text">What if the term is too long?</strong></p> <p>If a lender considers that the loan term you require is unrealistic in relation to your projected working life, all is not necessarily lost. The lender may consider an alternative “exit strategy” for your loan, such as paying out the balance down the track using other assets that could be liquidated at that time. This could include items such as:</p> <ul> <li>Superannuation</li> <li>Savings</li> <li>Investment properties</li> <li>Shares</li> </ul> <p>By fully disclosing such assets, you will give the lender the opportunity to consider their value in assessing the loan application.<br /><br /><strong class="bigger-text">Improve your chances</strong></p> <p>Apart from loan term considerations, there are a variety of other issues that will impact your chance of a successful application.</p> <p>It’s always beneficial if you are able to contribute a substantial deposit toward the home or the item you are purchasing. Having significant equity in assets may also boost your chances.</p> <p>A healthy repayment record for servicing existing or previous loans is also a big tick for lenders. It may be worth accessing your credit report to make sure there are no inaccuracies on your record.</p> <p>Keeping your finances in shape by following a budget, demonstrating a regular savings pattern, and prioritising the repayment of high interest debts are all sound habits that will help build a picture for the lender that you are a responsible borrower.</p> <p>Your super assets and the retirement income that will generate is another important factor. That being said, be aware that lenders will also consider what will happen to your estate if you are to pass away. While your intentions may be to service a loan out of a private superannuation pension, some lenders will not want to get tangled up in estate negotiations if your assets are passed on via inheritance to other parties.</p> <p><em>* This information is provided as a general guide and is not to be reproduced or relied upon — all lenders will assess loan applications based on their own specific lending policy.</em></p> <p><em>Have you been able to secure finance after age 50? Tell us about your experience.</em></p> <p><em>Written by Tom Raeside. Republished with permission of <a href="https://www.wyza.com.au/articles/money/financial-planning/tips-for-obtaining-finance-for-over-50s.aspx">Wyza.com.au</a>.</em></p>

Money & Banking

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Carrie Bickmore called out for body odour after lending “smelly dress” to guest host

<p>The Project host Carrie Bickmore may be going by the name of "Carrie Stinkmore" from now on after her bad body odour was discussed on the national show last Thursday night.</p> <p>After an ad break, Carrie and guest host Rachel Corbett were seen laughing hysterically.</p> <p>Not wanting to leave the audience out of the joke, Carrie shared the story: "Okay, we have to explain. Rachel's borrowing one of my dresses tonight."</p> <p>Carrie continued: "I didn't realise she was borrowing one of my dresses and she just turned to me and said, 'I think there's residual smell in this dress from the last person that wore it 'cause I'm really smelling tonight. I said, 'it was me.'''</p> <p><img width="507" height="322" src="https://s.yimg.com/iu/api/res/1.2/DhenJgJR5BsZbxJp9X_HAQ--~D/cm90YXRlPWF1dG87dz05NjA7YXBwaWQ9eXZpZGVv/https://s.yimg.com/iu/api/res/1.2/M_pnE5Hmtaevr4YxeJKpCQ--~D/cm90YXRlPWF1dG87dz0xMjAwO2FwcGlkPXl2aWRlbw--/https://s.yimg.com/ea/img/-/171124/5a176906b914b_laughing_5a1768e2d4e09.jpg" class="article-figure-image" style="display: block; margin-left: auto; margin-right: auto;"/></p> <p>"Old Carrie Stinkmore strikes again," other panellist Tommy Little jokingly interjected. </p> <p>While the whole panel were in fits of laughter, Carrie tried to salvage her reputation and demanded to spell her co-host's armpit to get proof of how bad the odour was.</p> <p><img width="500" height="288" src="https://oversixtydev.blob.core.windows.net/media/7264972/1_500x288.jpg" alt="1 (5)" style="display: block; margin-left: auto; margin-right: auto;"/></p> <p>"If you're going to accuse me on national television of smelling, put your arm up," Carrie said.</p> <p> </p> <blockquote class="twitter-tweet"> <p dir="ltr"><a href="https://twitter.com/hashtag/TheProjectTV?src=hash&amp;ref_src=twsrc%5Etfw">#TheProjectTV</a> smell-o-vision, coming soon! 😂 <a href="https://t.co/M36L83gtaB">pic.twitter.com/M36L83gtaB</a></p> — The Project (@theprojecttv) <a href="https://twitter.com/theprojecttv/status/933602447645274112?ref_src=twsrc%5Etfw">November 23, 2017</a></blockquote> <p>Fellow host Waleed Aly then pointed out that it was, in fact, Carrie who brought up the hilarious story.</p> <p><img width="505" height="320" src="https://s.yimg.com/iu/api/res/1.2/ge7ZKkkt4CSGCYjgeEwUpg--~D/cm90YXRlPWF1dG87dz05NjA7YXBwaWQ9eXZpZGVv/https://s.yimg.com/iu/api/res/1.2/C5bgQjl8tpEYvNbyBRLkng--~D/cm90YXRlPWF1dG87dz0xMjAwO2FwcGlkPXl2aWRlbw--/https://s.yimg.com/ea/img/-/171124/5a176906ea3d6_waleed_5a1768e31c873.jpg" class="article-figure-image" style="display: block; margin-left: auto; margin-right: auto;"/></p> <p>Let's just hope the name "Stinkmore" doesn't stick!</p>

Body

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Golden rules for lending money to friends and family

<p><em><strong>Greer McDonald explains why caution must be displayed when borrowing money from and lending money to friends.</strong></em></p> <p>For the most part though, my friends have been the ones who have really come through over the years.</p> <p>When my laptop (read: my sidekick in life) died last year, one of my good mates came to the rescue.</p> <p>My credit was shot to pieces years ago (that story is for another blog post) and he offered to get my new baby on interest free HP under his name.</p> <p>Now don't get me wrong, that is a huge thing to do for someone.</p> <p>Even though our friendship is more like a brother-sister relationship, I was hesitant about getting into this situation.</p> <p>There are unwritten rules about lending mates money and we broke all of them.</p> <p>But around $1800 later I have my new pal and only two more payments left on it (which is going to free up some extra money to put on my larger loans once it's paid off in June - whipee!)</p> <p>It's strange because in a roundabout way it's like I became more responsible with payments because I knew it would be my mate's neck on the line if I got behind.</p> <p>How's that for a warped sense of obligation?</p> <p>I set up the fortnightly payment to come out the day after I been paid and I've just forgotten about it.</p> <p>It was an interest free deal so to me it all worked out well.</p> <p>Other mates and family members have helped out in such amazing ways. To them - "is there anything I can do to help you?" is a real and true statement.</p> <p>So far, there hasn't been a bust up over money - but I know it can be a deal breaker in marriages - but it's still never sat well with me. I absolutely hate being in this position. Hate.</p> <p>Every time I've asked for help, I can literally hear the words of warning running through their heads.</p> <p>I know those words because when I've lent money, I've heard those same words too.</p> <p>I think it's pretty normal for warning bells to ring in these situations.</p> <p>Because I value my friendships and I don't want it to ever be a problem - either with me lending or being lent to - I did a little bit of research.</p> <p><strong>Some of the rules or suggestions about lending money to friends I've found are:</strong></p> <ul> <li>Never lending more than you can afford to lose.</li> <li>It can be a risk, so why not get it in writing.</li> <li>You could offer alternatives to giving cash such as going guarantor on a loan.</li> </ul> <p>Have you ever lent money to a friend? How did it turn out? Let us know in the comments below.</p> <p><em>Written by Greer McDonald. First appeared on <a href="http://www.stuff.co.nz/" target="_blank"><strong><span style="text-decoration: underline;">Stuff.co.nz</span></strong></a>. </em></p>

Legal

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74-year-old lends car to stranger stranded on way to a funeral

<p>A mourner stranded en-route to a funeral has been the recipient of one of the most selfless acts of kindness we’ve ever seen, taking to <a href="https://www.facebook.com/todd.collins.73/posts/1567743323239777?pnref=story" target="_blank"><strong><span style="text-decoration: underline;">Facebook</span></strong></a> to share the story of how he made an unlikely friend in a very unlikely situation.</p> <p>Todd Steinkamp from Iowa in the US was travelling to a funeral in a different state when he was forced to pull over at an auto service garage after his car began making unsettling noises. That’s when he met 74-year-old mechanic Glenn Geib.</p> <p>“He noticed that I was all dressed up and asked where I was off to,” Steinkamp wrote. “I told him I was from Iowa on my way to a funeral. He paused and said pull it around back.’”</p> <p>Upon inspecting the car, Geib came to the conclusion that Steinkamp would be unable to drive the remaining distance in time for the funeral.</p> <p>“I must have looked pretty stressed out at this time because Glenn then reached into his pocket, pulled out the keys to his own vehicle and said ‘Take my truck. Fill it up with gas, don't turn on the emergency lights and get going.’”</p> <p>The unlikely hero had no qualms about offering up his old truck for someone so in need. “He looked burned out like he was tired yet,” Geib told <a href="http://wbay.com/2017/02/22/mechanic-in-wild-rose-lends-his-keys-so-stranded-driver-can-make-funeral/" target="_blank"><strong><span style="text-decoration: underline;">WBAY</span></strong></a>. “It looked like he had a rough night, you know had things on his mind, worried about getting there, that’s about it, looked like he needed some help.”</p> <p>Thanks to Geib’s beautiful act of generosity, Steinkamp made it to the funeral in time. “I literally went from just not knowing what to do, stressed out to this is fantastic so it completely lifted my spirits.”</p> <p><strong>Related links:</strong></p> <p><a href="/news/news/2017/02/duchess-cambridge-visits-action-for-children-project-wales/"><span style="text-decoration: underline;"><em><strong>Duchess makes little girl’s dream of meeting a princess come true</strong></em></span></a></p> <p><a href="/news/news/2017/02/waitress-drags-goanna-from-restaurant/"><span style="text-decoration: underline;"><em><strong>Waitress drags huge goanna from Aussie restaurant</strong></em></span></a></p> <p><a href="/news/news/2017/02/fascinated-orangutan-tries-to-taste-bubbles/"><span style="text-decoration: underline;"><em><strong>Fascinated orangutan tries to taste bubbles</strong></em></span></a></p>

News

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10 reasons to think twice before lending money

<p>While no one ever wants to say, “no” to a friend or family member in need, it’s important to make sure you are lending your money for the right reasons.</p> <p>We’re going to look at 10 reasons you should think twice before lending money to friends or family. By considering these different factors you could not only save yourself a great deal of money, but something ultimately more important, your relationship.</p> <p><strong>1. Personal loans can be vague</strong></p> <p>The informal nature of personal loans can lead to inconsistencies in expectations regarding repayment obligations, which can ultimately lead to conflict.</p> <p><strong>2. Loan may not be prioritised</strong></p> <p>An informal loan doesn’t have the fear factor associated with other types of loans, which could make the person borrowing money more inclined to skip repayments.</p> <p><strong>3. Chasing the borrower can be awkward  </strong></p> <p>Because this person is close to up, the act of chasing up late repayments can become quite awkward and lead to communication breakdowns that damage relationships.</p> <p><strong>4. Make events and social gatherings awkward</strong></p> <p>You never want to feel as though your presence at a social event is making other people feel awkward, but money can make people do strange things. </p> <p><strong>5. Changes the relationship</strong></p> <p>Even if you’re taking care to make sure all repayments are being met, there’s just something about going into debt to a family member that changes the relationship.</p> <p><strong>6. The borrower may ask for more</strong></p> <p>Once you’ve already lent the first sum, there’s no stopping them from asking for more, and more to the point where you’ve given more than you can afford to do so.  </p> <p><strong>7. You’re enabling, not helping</strong></p> <p>Consider this – when you lend to a friend or family member you’re giving them an easy way out, rather than helping them find an alternative solution to their problems.</p> <p><strong>8. These type of loans don’t earn interest</strong></p> <p>Loaning to friends and family ultimately costs you money and unless you’re going through the complex mechanism of charging interest there’s little in it for you.</p> <p><strong>9. You might need the money yourself</strong></p> <p>While you might be in a position to lend money now, who knows what’s just around the corner? Not receiving repayments can spell financial disaster for your family.</p> <p><strong>10. You could lose money and a relationship</strong></p> <p>Ultimately not getting your money back is a disaster, but what’s even worse is the possibility that you may also lose someone who’s very close to you due to tension.</p> <p>Have you ever lent money to a friend or family member? If so, how did you feel it went? Do you think it was successful, or did you regret the move?</p> <p>Let us know in the comment section.</p> <p><strong>Related links:</strong></p> <p><a href="http://www.oversixty.co.nz/finance/money-banking/2016/05/woman-lasts-a-year-without-money/"><span style="text-decoration: underline;"><em><strong>Woman lasts a year without money</strong></em></span></a></p> <p><span style="text-decoration: underline;"><a href="/finance/money-banking/2016/06/10-foods-you-must-stop-buying-at-the-supermarket/"><em><strong>10 foods you must stop buying at the supermarket</strong></em></a></span></p> <p><a href="/finance/money-banking/2016/05/10-clever-ways-reduce-bills-in-cooler-months/"><strong><span style="text-decoration: underline;"><em>10 clever ways reduce bills in cooler months</em></span></strong></a></p>

Money & Banking

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Lending money to family members the right way

<p>We’ve all heard horror stories of families torn apart by money, and while we’re obviously more than willing to help out a relative in need, it’s only natural to feel at least a touch of trepidation when you’re asked for a loan by a family member.</p> <p>We’re going to take a look at the ins and outs of lending money to family members. By taking the appropriate steps you can protect your money, help a relative out of a financial bind and most importantly avoid conflict in your family.</p> <p><strong>1. Establish what type of loan it is</strong></p> <p>When you’re lending money to family communication is key. Conflict is often caused by misunderstandings which can be avoided entirely if you take the time to make sure all the important details regarding the loan have been nutted through. </p> <p>From the outset you’re going to want to be aware of the following:</p> <ul> <li>The term of the loan.</li> <li>The amount of money being lent.</li> <li>Whether or not any interest will apply to the loan.</li> <li>What the frequency of repayments will be.</li> </ul> <p>Be up-front from the beginning and make sure that the person is aware that it is in fact a loan and not a gift. While it may be a little bit awkward, it helps to get the terms down in writing. Even if it’s not a legally binding document, having the particulars on a piece of paper goes a long way to making sure everyone is on the same page.</p> <p><strong>2. Set clear boundaries</strong></p> <p>This is where it gets a bit tricky, especially due to the nature of lending money to family members. A <a href="http://money.cnn.com/2009/09/10/pf/family_lending.moneymag/index.htm" target="_blank"><strong><span style="text-decoration: underline;">2009 Money magazine survey</span></strong></a> found that out of the readers who’d lent money to family and friends 43 per cent of readers only got paid back with part of the balance while 27 per cent never saw that money again. In the end of the day, while it’s great that you’re in a financial position to help a relative out, it’s important that you get your money back.</p> <p>Make sure you set clear boundaries before you front the money up. If you feel uncomfortable lending more money or extending the due date for payments, it’s important they’re aware of this. Putting everything is on the table before the loan begins can help avoid things spiralling out of control once it’s too late to do anything about it.</p> <p><strong>3. Notify Centrelink</strong></p> <p>If you’re receiving Centrelink benefits such as the Age Pension, you will need to make them aware of any loan you make, even though it involves family. A loan to family is still considered an asset and Centrelink requires you to make this information available.</p> <p><strong>4. Include the loan in your tax return</strong></p> <p>If you’re receiving interest from your loan the tax office needs to know about it, even though it’s coming from a family member. As with other forms of income, this will be included in what’s considered your taxable income for the year.</p> <p>Have you ever lent a family member money, or know someone who has? What was the experience like, and where there any safeguards in place?</p> <p>Share you story in the comments.</p> <p><strong>Related links:</strong></p> <p><a href="/finance/money-banking/2016/05/woman-lasts-a-year-without-money/"><span style="text-decoration: underline;"><em><strong>Woman lasts a year without money</strong></em></span></a></p> <p><a href="/finance/money-banking/2016/05/10-ways-to-keep-energy-bills-down-in-winter/"><span style="text-decoration: underline;"><em><strong>10 ways to keep energy bills down in winter</strong></em></span></a></p> <p><a href="/finance/money-banking/2016/05/who-to-contact-if-you-have-been-scammed/"><span style="text-decoration: underline;"><em><strong>Who to contact if you have been scammed</strong></em></span></a></p>

Money & Banking

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The do’s and don’ts of lending a helping hand

<p>It can be difficult to know exactly what to say or do when a loved one is ill or grieving a loss. When a friend or family member is going through a tough time it is common to feel helpless. We worry about bringing up the wrong things and doing something that could make the whole situation worse. While your loved one will appreciate you for being there and wanting to support them, here is a guide of what to say and do when lending an often much needed helping hand.</p><p><strong>DO say “I don’t know what to say”</strong> – When confronted with a grieving or sick loved one, we might freeze up feeling like we don’t know what to say or dwelling on the right thing to say. If you don’t know what to say tell them rather than not calling or visiting for fear of saying the wrong thing.</p><p><strong>DO let them talk about the good AND bad</strong> – While you might instinctively try to direct conversation to cheerful topics (particularly if your loved one is not talking it is natural to fill the void with chatter), it is crucial they know that they can rely on you when they need to vent, grieve or cry. Make sure they know you are there for the bad as well as the good.</p><p><strong>DO distract them</strong> – Although life may seem different at this point in time, sometimes falling back into normalcy is good (where appropriate). If there’s some juicy gossip or a funny Facebook post, share it with your loved one. If you had always gone to the movies together or watched a TV series, don’t stop. Maintaining a sense of normality is a good counterweight to the gravity of sickness and grief.&nbsp;</p><p><strong>DON’T have any expectations</strong> – Everybody processes experiences differently so don’t put any pressure on your loved one about expected reactions or time frames. People are different so it is important to remember even if you have experienced the same situation, the grieving process might be different for your loved one.</p><p><strong>DO help what you can</strong> – Your loved one needs you but often a “How can I help?” is not responded too. People may be too tired, polite or unsure to know what they need so without being too insistent, ask specifically what you can do to help. Maybe they need dinner cooked or transportation one day? Think of practicalities and anticipate rather than waiting to be asked.</p><p><strong>DON’T try and fix it</strong> – When your loved one is upset it’s natural to want to fix things for them but the reality is you cannot fix their grief. There is little one can say to help a grieving person feel better but there are things you can do to support and comfort them.</p><p><strong>DO continually check up on them</strong> – Whatever your friend or family member is going through will be a process and it is important they continually have support. Even if they don’t want company, make sure they know that you are there for them and just a phone call away.</p><p><strong>DON’T give clichéd advice</strong> – When you say things like “I know how you feel” or “Everything will be alright” or “Don’t feel bad”, it can minimise their feelings and seems dismissive. It’s important to be empathetic but don’t assume you know how they feel. Be aware of how your words will be heard by someone going through a difficult time. While they might know things will get better, it is not how they feel right now. Remember to be sensitive.</p><p><strong>DO know you are doing a good thing</strong> – Often we feel awkward when lending a helping hand. It might feel like you are not doing anything right, but know that your presence and support are doing more than you know. And that’s why you shouldn’t stop what you are doing.&nbsp;</p>

Family & Pets

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