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REVIEW: Super-intelligent, dog-detecting robot lawn mower

I was recently invited to an onsite demonstration of a brand new line of lawn mowers that were pitched as being not just a lawn mower, but a furry-friend dodging, grass-grooming marvel of modern technology. According to the specs, the <a href="https://au.worx.com/vision-technology/" target="_blank" rel="noopener">WORX LANDROID® Vision</a> is the world’s first advanced AI, "unbox & mow" robot lawn mower. "No wire. No satellite. No beacons. No time between unboxing and mowing." Using a combination of HRD camera, the latest AI smarts and a deeply trained neural network to identify grass to mow and obstacles to avoid, it features the innovative "Cut-to-Edge" function, multi-zone management and adaptive auto-scheduling. Plus an optional LED headlight safe night-mowing (apparently, unlike conventional robots, Vision sees nocturnal animals and stays away from them). But the real test for me was always going to be: how would something like the Vision get along with my dog, Rosie? I was offered the chance to try out one of the mowers for a few weeks, and so I jumped at it. But let's talk about Rosie for a moment. Now, this little ball of fur thinks she's the queen of the backyard. She zooms around like a tiny tornado, and honestly I think she believes the grass is her personal chew toy. So, when I introduced the LANDROID into the mix, I was half expecting chaos and half hoping for a miracle. Lo and behold, this mower is not just a lawn whisperer; it's a puppy ninja. The WORX LANDROID has some sort of superpower in its sensors, allowing it to detect my pup's presence and skilfully manoeuvre around her. It was like watching a graceful dance between technology and canine curiosity. For the duration of the test, Rosie basically appointed herself as the official supervisor of lawn maintenance, proudly watching from a safe distance (and sometimes not so safe) as the LANDROID worked its magic. But let's not forget about the real star of the show: the lawn itself. The LANDROID doesn't just dodge around obstacles; it trims with precision, leaving my yard looking like a freshly coiffed celebrity. It's like having a personal stylist for my grass – one that never sleeps. And the best part? I get to sit back, relax and sip my lemonade while the LANDROID does all the heavy lifting (or should I say, mowing). It's like having a reliable little garden gnome, except this one runs on electricity and has impeccable dodging skills. So if you want a lawn mower that's not only efficient but also entertaining, look no further than the <a href="https://au.worx.com/vision-technology/" target="_blank" rel="noopener">WORX LANDROID Vision</a>. It's the perfect blend of technology, pet sensitivity and grass-grooming prowess. Plus, it's the only mower I know that can outmanoeuvre a puppy – and that is definitely something to bark about. Images: Alex Cracknell

Home & Garden

“I lost all ability to fly the plane”: Pilot's shock claim after plane drops mid-flight

At least 50 passengers have been injured with a dozen hospitalised after a Boeing 787 Dreamliner suddenly plunged about two hours into the flight from Sydney to Auckland on Monday. LATAM Airlines said that the plane experienced an unspecified "technical event during the flight which caused a strong movement." Passengers on board the flight have recalled the terrifying moment the plane took a nose-dive mid-flight. "The plane dipped so dramatically into a nose dive for a couple of seconds and around 30 people hit the ceiling hard," Daniel, who was travelling from London, told the NZ Herald. “None of us knew what had happened until after the flight, I was just trying to keep everyone calm. We never heard any announcement from the captain." He added that passengers were screaming and it was hard to tell whether blood or red wine was splattered through the cabin. Another passenger, Brian Jokat, told broadcaster RNZ that the incident took place in "split seconds". "There was no pre-turbulence, we were just sailing smoothly the whole way,” he said. “I had just dozed off and I luckily had my seatbelt on, and all of a sudden the plane just dropped. It wasn’t one of those things where you hit turbulence and you drop a few times … we just dropped.” He added that a passenger two seats away from him, who was not wearing his seatbelt, flew up into the ceiling and was suspended mid-air before he fell and broke his ribs. “I thought I was dreaming,” he said. “I opened my eyes and he was on the roof of the plane on his back, looking down on me. It was like The Exorcist.” Paramedics and more than 10 emergency vehicles were waiting for passengers when the plane landed in Auckland. Around 50 patients were treated, with 12 of them hospitalised and one in serious condition. At least three of those treated were cabin crew. Jokat told RNZ that after the plane landed, the pilot came to the back and explained what had happened. "He said to me, ‘I lost my instrumentation briefly and then it just came back all of a sudden,’” Jokat said. In another interview with Stuff.co.nz, Jokat recalled the pilot also saying: “My gauges just blanked out, I lost all of my ability to fly the plane.” The airline's final destination was Santiago, Chile, but it was landing at Auckland Airport in accordance with its normal flight path, according to Reuters. "LATAM regrets the inconvenience and injury this situation may have caused its passengers, and reiterates its commitment to safety as a priority within the framework of its operational standards," the airline said. Images: Brian Jokat/ News.com.au

Travel Trouble

12 super simple ways to save some cash

Saving money is a lot easier said than done. Whether you’ve got a holiday you’re thinking about taking, or you just want to make day to day life a little less stressful, there is a range of strategies you can employ to put a couple of dimes together. Here are 12 tips to cut costs: 1. Don't buy luxury, sometimes the budget brands are just as good and save you heaps. 2. Read the junk mail and compare offers because you can get a better deal where you didn't think you could. 3. Cut unnecessary expenses and reduce, if possible, the necessary expenses as well. 4. Buy used goods, it's cheaper and you can haggle. 5. See if you can switch power companies. I'm aware of several people who are saving $250 a year. 6. Borrow books and movies from the library or movie store - it's free or low cost compared to buying new and it's fast. 7. Barter with family and friends, it's free and everyone wins. 8. Take advantage of specials, sales and deals including buying in bulk, it can save you more than you realise. 9. Walk, bike or car pool or use other public transport, it's good for the environment and saves you money. 10. Shop around for the best deal, it might be better elsewhere. 11. Follow insurance company advice: Don't smoke, do have alarms and do get multi policies - it protects you and saves cash. 12. Have a savings account with all the savings from this and don't touch it, you will be amazed at what you have saved in a short time. Written by John Murphy. Republished with permission of <a href="http://www.stuff.co.nz/" target="_blank" rel="noopener">Stuff.co.nz</a>. Image credits: Getty Images

Money & Banking

The art of ‘getting lost’: how re-discovering your city can be an antidote to capitalism

<a href="https://theconversation.com/profiles/stephen-dobson-1093706">Stephen Dobson</a>, <a href="https://theconversation.com/institutions/cquniversity-australia-2140">CQUniversity Australia</a> Do you remember what it was like to discover the magic of a city for the first time? Do you remember the noises, smells, flashing lights and pulsating crowds? Or do you mostly remember cities through the screen of your phone? In 1967, French philosopher and filmmaker Guy Debord <a href="https://files.libcom.org/files/The%20Society%20of%20the%20Spectacle%20Annotated%20Edition.pdf">publicised the need</a> to move away from living our lives as bystanders continually tempted by the power of images. Today, we might see this in a young person flicking from one TikTok to the next – echoing the hold images have on us. But adults aren’t adverse to this window-shopping experience, either. Debord notes we have a tendency to observe rather than engage. And this is to our detriment. Continually topping-up our image consumption leaves no space for the unplanned – the reveries to break the pattern of an ordered life. Debord was a member of a group called the <a href="https://www.britannica.com/topic/Situationist-International">Situationist International</a>, dedicated to new ways we could reflect upon and experience our cities. Active for about 15 years, they believed we should experience our cities as an act of resistance, in direct opposition to the (profit-motivated) capitalistic structures that demand our attention and productivity every waking hour. More than 50 years since the group dissolved, the Situationists’ philosophy points us to a continued need to attune ourselves – through our thoughts and senses – to the world we live in. We might consider them as early eco-warriors. And through better understanding their philosophy, we can develop a new relationship with our cities today. <h2>Understanding the ‘situation’</h2> The Situationist International movement was <a href="https://www.jstor.org/stable/j.ctt183p61x">formed</a> in 1957 in Cosio di Arroscia, Italy, and became active in several European countries. It brought together radical artists inspired by spontaneity, experimentalism, intellectualism, protest and hedonism. Central figures included Danish artist <a href="https://museumjorn.dk/en/">Asger Jorn</a>, French novelist <a href="https://mitpress.mit.edu/author/michele-bernstein-10219/">Michèle Bernstein</a> and Italian musician and composer <a href="https://en.wikipedia.org/wiki/Walter_Olmo">Walter Olmo</a>. The Situationists were driven by a <a href="https://encyclopedia.pub/entry/34141">libertarian form of Marxism</a> that resisted mass consumerism. One of the group’s early terms was “unitary urbanism”, which sought to join avant-garde art with the critique of mass production and technology. They rejected “urbanism’s” conventional emphasis on function, and instead thought about art and the environment as inexorably interrelated. By rebelling against the invasiveness of consumption, the Situationists proposed a turn towards artistically-inspired individuality and creativity. <h2>Think on your own two feet</h2> According to the 1960 <a href="https://hts3.files.wordpress.com/2010/12/situationist-international-manifesto.pdf">Situationist Manifesto</a> we are all to be artists of our own “situations”, crafting independent identities as we stand on our own two feet. They believed this could be achieved, in part, through “<a href="https://www.tate.org.uk/art/art-terms/p/psychogeography#:%7E:text=Psychogeography%20describes%20the%20effect%20of,emotions%20and%20behaviour%20of%20individuals">psychogeography</a>”: the idea that geographical locations exert a unique psychological effect on us. For instance, when you walk down a street, the architecture around you may be deliberately designed to encourage a certain kind of experience. Crossing a vibrant city square on a sunny morning evokes joy and a feeling of connection with others. There’s also usually a public event taking place. The Situationists valued drift, or dérive in French. This alludes to unplanned movement through a landscape during journeys on foot. By drifting aimlessly, we unintentionally redefine the traditional rules imposed by private or public land owners and property developers. We make ourselves open to the new unexpected and, in doing so, are liberated from the shackles of everyday routine. In <a href="https://link.springer.com/book/10.1007/978-981-10-8100-2">our research</a>, my colleagues and I consider cities as places in which “getting lost” means exposing yourself to discovering the new and taken-for-granted. <h2>Forge your own path</h2> By understanding the Situationists – by looking away from our phones and allowing ourselves to get lost – we can rediscover our cities. We can see them for what they are beneath the blankets of posters, billboards and advertisements. How might we take back the image and make it work for us? The practise of geo-tagging images on social media, and sharing our location with others, could be considered close to the spirit of the Situationists. Although it’s often met with claims of <a href="https://www.nationalgeographic.com/travel/article/when-why-not-to-use-geotagging-overtourism-security">over-fuelling tourism</a> (especially regarding idyllic or otherwise protected sites), geo-tagging could <a href="https://www.melaninbasecamp.com/trip-reports/2019/5/1/five-reasons-why-you-should-keep-geotagging">inspire us</a> to actively seek out new places through visiting the source of an image. This could lead to culturally respectful engagement, and new-found respect for the rights of traditional custodians as we experience their lands in real life, rather than just through images on our phones. Then there are uniquely personal and anarchistic forms of resistance, wherein we can learn about the world around us by interweaving ourselves with our histories. In doing so we offer a new meaning to a historical message, and a new purpose. The Situationists called this process <a href="https://www.theartstory.org/movement/situationist-international/">détournement</a>, or hijacking. For instance, from my grandfather I inherited a biscuit tin of black and white photographs I believe were taken in the 1960s. They showed images of parks and wildlife, perhaps even of the same park, and cityscapes of London with people, streets and buildings. I have spent many hours wandering the London streets tracking down the exact places these images were snapped. I was juxtaposing past with present, and experiencing both continuity and change in the dialogues I had with my grandfather. In this way, I used images to augment (rather than replace) my lived experience of the material world. Urban art installations can also be examples of detournment as they make us re-think everyday conceptions. <a href="https://www.cityartsydney.com.au/artwork/forgotten-songs/">Forgotten Songs</a> by Michael Hill is one such example. A canopy of empty birdcages commemorates the songs of 50 different birds once heard in central Sydney, but which are now lost due to habitat removal as a result of urban development. There are also a number of groups, often with a strong environmental or civic rights focus, that partake in detournment. <a href="https://popularresistance.org/dancing-revolution-how-90s-protests-used-rave-culture-to-reclaim-the-streets/">Reclaim the Streets</a> is a movement with a long history in Australia. The group advocates for communities having ownership of and agency within public spaces. They may, for instance, “invade” a highway to throw a “<a href="https://pasttenseblog.files.wordpress.com/2022/02/road-rave.pdf">road rave</a>” as an act of reclamation. <figure><iframe src="https://www.youtube.com/embed/bUL0C_T-Sqk?wmode=transparent&start=999" width="440" height="260" frameborder="0" allowfullscreen="allowfullscreen"></iframe></figure> As French avant-garde philosopher <a href="https://www.themarginalian.org/2014/07/24/the-poetics-of-reverie-gaston-bachelard/">Gaston Bachelard</a> might have put it, when we’re bombarded by images there is no space left to daydream. We lose the opportunity to explore and question the world capitalism serves us through images. Perhaps now is a good time to set down the phone and follow in the Situationists’ footsteps. <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/221606/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/stephen-dobson-1093706">Stephen Dobson</a>, Professor and Dean of Education and the Arts, <a href="https://theconversation.com/institutions/cquniversity-australia-2140">CQUniversity Australia</a> Image credits: Getty Images 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-art-of-getting-lost-how-re-discovering-your-city-can-be-an-antidote-to-capitalism-221606">original article</a>.

Travel Tips

"Lost everything": Retirees left homeless after houseboat destroyed

Two grandparents from South Australia have lost everything after a tree fell on their houseboat during a wild storm. Pam, 77, and David, 82, moved into their two-bedroom houseboat on the Murray River when they first retired over 20 years ago, after finally living out their dream of living on the water. During a storm on February 13th, when their houseboat was moored about 700m from the Renmark boat ramp, their lives were changed forever when a tree fell through their roof. Their granddaughter Shenay Harris said it was a miracle the pair escaped with only minor injuries. “They’re both sitting in their armchairs next to each other. My nan was actually stuck. Her legs were pinned from all the rubble of the roof caving in, and my pop managed to be able to stand up and reach for the phone to call emergency services,” Harris told <a href="https://7news.com.au/news/south-australian-grandparents-lose-everything-after-tree-falls-on-houseboat-in-murray-river-during-storm--c-13615764" target="_blank" rel="noopener">7News</a>. “Looking at the boat and where they were sitting and everything, we have no idea how they are still with us. It’s just absolutely amazing that they’re still here, and they’re OK.” Shenay said her grandparents were now feeling lost about their future, while also grieving the loss of their retirement home. “My pop, he’s absolutely shattered. He’s said to us ‘it’s all over now’ ... (we’re) trying to reassure him (that) ‘no, it’s just a new beginning’,” Harris said. “They’ve been on that boat for 23 years, so it’s been my whole childhood and life with them living on the boat." The houseboat was not insured at the time of the accident, leaving both of the retirees homeless, with no hope for a replacement boat or a payout to get them back on their feet. “They’ve literally just lost everything they’ve got, you know, no assets, nowhere to go, no money,” Shenay said. An <a href="https://www.gofundme.com/f/riverland-houseboat-tragedy-pamelas-joy?cdn-cache=0" target="_blank" rel="noopener">online fundraiser</a> has been set up to support the couple as they figure out the next stage of their life, so far raising $3,000. “They’re both pensioners, they’ve really got nothing to their name now, having lost the boat. So really just to get them back on their feet.” Image credits: GoFundMe / 7News

Retirement Life

Heroic fan tackles deadly shooter at victory parade

Three people have been taken into custody after a deadly shooting at a Super Bowl victory parade, where one person has died. At least 21 people have suffered injuries, nine of which being children, at the parade in Kansas City, following the Kansas Chiefs victory over the San Francisco 49ers. As one of the shooters opened fire in the crowd, one heroic football fan was captured on video tackling the gunman to the ground. The video also shows panicked crowds fleeing the sounds of the gunfire, as police ran towards the commotion. Kansas City Police Chief Stacey Graves confirmed in a second update to media that one person had died after 22 people had been shot. “We have three persons detained and under investigation,” she said. “We are working to determine if one of the three is the one that was in that video where fans assisted police.” She added that “right now we do not have a motive, but we are asking those who may potentially have any kind of information, a witness or video, to contact police”. At an earlier briefing, Ms Graves said she was “angry at what happened today”. Kansas City Mayor Quinton Lucas said, “The celebration was marred by a shooting. This is absolutely a tragedy.” Witness Kade Collins, who attending the parade with his dad, described the ordeal to local news station Fox 4 KC. “We heard 10 to 12 gunshots, but we thought they were fireworks, so we didn’t really panic at first or get too worked up. But then everyone started screaming and took off running,” Mr Collins said. Mr Collins said his dad saw police tackle a suspect after the crowd saw the gunman. “When we were walking out, there was someone pointing and saying, ‘He’s right there, he’s right there’, and police ran to the guy the crowd was pointing at and tackled him and put him in handcuffs,” he said. “Everyone took off running and screaming.” The Kansas City Chiefs said in a statement that all players, coaches, staff and their families were “safe and accounted for”, while sharing their condolences for those who were impacted by the shooting. “We are truly saddened by the senseless act of violence that occurred outside of Union Station at the conclusion of today’s parade and rally,” the team said. "Our hearts go out to the victims, their families, and all of Kansas City ... We thank the local law enforcement officers and first responders who were on-scene to assist.” Image credits: Getty Images <p style="box-sizing: inherit; margin: 0px 0px 24px; padding: 0px; border: 0px; font-stretch: inherit; line-height: inherit; font-family: 'Helvetica Neue', HelveticaNeue, Helvetica, Arial, sans-serif; font-size-adjust: inherit; font-kerning: inherit; font-variant-alternates: inherit; font-variant-ligatures: inherit; font-variant-numeric: inherit; font-variant-east-asian: inherit; font-variant-position: inherit; font-feature-settings: inherit; font-optical-sizing: inherit; font-variation-settings: inherit; font-size: 18px; vertical-align: baseline;">

Caring

"They lost it": Margot Robbie's surprise encounter with Barbie fans

Margot Robbie has recalled a sweet story about when she overheard a group of men talking about the Barbie movie, before giving them the surprise of their life. At a screening of the Barbie movie in Los Angeles, the Aussie actress told the audience of the heartwarming moment she encountered in Scotland, shortly after the film's release last July. At the SAG-AFTRA screening of the blockbuster movie, Robbie began, “I had this brilliant experience.” “I was in a pub in the middle of nowhere in Scotland and I listened for about 30 minutes to a group of guys on a bachelor party discussing the Barbie movie, not knowing that I was sitting two or three feet away from them.” Robbie continued, “It was just truly fascinating. There were people at the table who refused to see the Barbie movie." “One guy was like, ‘Dude, it is a cultural moment, don’t you want to be a part of culture?’ And the other guy was like, ‘I’ll never see it,’ and by the end he did want to see it. It was a whole thing." “I wasn’t going to go up to them, but then I did.” Before leaving the pub, Robbie casually waltzed up to the group of men who “lost it” when they discovered Barbie herself had overheard their conversation. “At the last minute as I was walking out I went to their table and I went ‘Thank you for seeing the Barbie movie’,” she added. “It was very funny, they lost it. It took a full minute for them to realise and I was practically out the door and they went ‘Ohhhh’. “People’s reactions to the movie have been the biggest reward of this entire experience.” The heartwarming story comes fresh on the heels of Margot being <a href="https://oversixty.com.au/entertainment/movies/margot-robbie-snubbed-as-oscar-nominations-announced" target="_blank" rel="noopener">snubbed</a> for a Best Actress nomination at this year's Oscars for the Barbie movie, which caused an uproar on social media. Margot addressed the snub at the LA screening, saying there's “no way to feel sad when you’re this blessed.” “Obviously, I think Greta should be nominated as a director,” she added. “What she did is a once-in-a-career, once-in-a-lifetime thing. What she pulled off, it really is." “We set out to do something that would shift culture, affect culture, just make some sort of impact. And it’s already done that and some, way more than we ever dreamt it would. And that is truly the biggest reward that could come out of all of this.” Image credits: Getty Images

Movies

It’s not just about accumulating super. Australians need to learn how to spend their retirement savings

<a href="https://theconversation.com/profiles/marc-olynyk-1493791">Marc Olynyk</a>, <a href="https://theconversation.com/institutions/deakin-university-757">Deakin University</a> Australia’s superannuation and retirement income system is complex and difficult to navigate. Retirees need to make decisions on numerous issues where they have less than full information and understanding, both financial and non-financial. They also require access to retirement products to help them manage and balance income needs against longevity risk. Recognising these issues, the government released a <a href="https://treasury.gov.au/consultation/c2023-441613">discussion paper</a> this month seeking views on three key issues: <ol> <li> helping super fund members navigate the retirement income system </li> <li> supporting superannuation funds to deliver better services </li> <li> making retirement income products more accessible. </li> </ol> Australia has one of the largest and most sophisticated pension systems in the world. Valued at more than <a href="https://www.apra.gov.au/quarterly-superannuation-statistics">A$3.5 trillion</a> as at September 2023, and is the <a href="https://www.thinkingaheadinstitute.org/research-papers/global-pension-assets-study-2023/">5th largest pension scheme</a> in terms of asset size. It is also the <a href="https://www.mercer.com/insights/investments/market-outlook-and-trends/mercer-cfa-global-pension-index/">5th most highly rated retirement income system</a> internationally behind the Netherlands, Iceland, Denmark and Israel. <h2>What is wrong with the super system?</h2> But while the super system ranks highly in terms of integrity and sustainability, the numbers are not as flattering when it comes to “adequacy”. Adequacy is the level of income available to retirees depending on their different circumstances. According to a recent <a href="https://www.mercer.com/insights/investments/market-outlook-and-trends/mercer-cfa-global-pension-index/">study</a>, Australia is ranked 20th out of 47 worldwide on the adequacy index. <a href="https://www.investmentmagazine.com.au/2023/02/purpose-of-super-law-to-herald-tax-reform/">Reform</a> in the pre-retirement phase of Australia’s retirement income scheme is ongoing and designed to support accumulating wealth for retirement. These ongoing reforms have been designed to make superannuation easier to understand and to reduce much of the decision making required. They’ve been needed because of an apparent lack of skills, interest and financial literacy among Australians. While the message that we need to save to be comfortable in retirement is getting through, the lack of information about how to manage these savings once we retire means many retirees are left to navigate the complex system as best they can. Given the complexity and volatility of Australia’s financial system, it’s hardly surprising many of the decisions made by retirees don’t produce the best financial results. For example, more than <a href="https://treasury.gov.au/consultation/c2023-441613">84%</a> of retirement savings are held in account-based pensions which, if not properly managed, can run out. This is despite government and community awareness that outliving your savings is a real possibility. About 50% of retirees currently withdraw at the minimum pension rate, which means many people experience a lower standard of living than what would normally be expected with the super they have accumulated. This can result in wealth not being used and instead being passed on to the next generation. <h2>Help is needed now because the retiree sector is booming</h2> Over the next decade there is going to be a big increase in the number of people retiring and transitioning from the accumulation phase of their super to the pension phase. It’s estimated <a href="https://treasury.gov.au/consultation/c2023-441613">2.5 million</a> Australians will move to the retirement phase in this period. Following the 2014 <a href="https://treasury.gov.au/publication/c2014-fsi-final-report">Financial System Inquiry</a>, the government introduced the <a href="http://www5.austlii.edu.au/au/legis/cth/consol_act/sia1993473/s52.html">Retirement Income Covenant</a> in 2022 to force super fund trustees to develop a strategy that would provide better retirement outcomes for their members. The strategy is based on retirees maximising their expected retirement income, managing expected risks to their retirement income and having flexible access to super funds during their retirement. A 2022-23 review conducted by <a href="https://asic.gov.au/regulatory-resources/find-a-document/reports/rep-766-implementation-of-the-retirement-income-covenant-findings-from-the-apra-and-asic-thematic-review/">Australian Prudential Regulation Authority and the Australian Securities and Investments Commission</a> found while trustees were providing more help to retirees, overall there was a lack of progress and urgency among trustees to improve retirement outcomes. <h2>How the system could be improved</h2> Several proposals have been put forward to improve the experiences and decision-making of retirees. These have included: <ul> <li> improved support from and education by superannuation fund trustees </li> <li> changing how people view their super savings from an accumulation of wealth to a system that enables drawdown of retirement savings over time to fund expenses. </li> <li> providing an automatic rollover of retirement savings into an income-stream instead of allowing a lump sum withdrawal on retirement </li> <li> expanding existing income products (that are starting to be offered by several financial institutions) which combine providing investment choice with a pension for life </li> <li> setting up a MyRetire product that would run parallel to <a href="https://treasury.gov.au/programs-and-initiatives-superannuation/mysuper">MySuper</a> and provide a simple and cost-effective retirement income system for less engaged members. MySuper only applies to the accumulation phase. Once a member starts an income stream in retirement, their MySuper account ceases </li> <li> improving access to financial planning advice which is shown to play a significant role in preparing Australians for retirement. </li> </ul> The government, superannuation industry and the community all have a greater role to play in improving the financial outcomes and experiences of retirees. With Australia’s ageing population, the need to better support retirees to achieve a dignified retirement is becoming more urgent. All Australians expect and deserve a financially secure retirement.<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/219217/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/marc-olynyk-1493791">Marc Olynyk</a>, Director of Financial Planning, Deakin Business School, <a href="https://theconversation.com/institutions/deakin-university-757">Deakin University</a> Image credits: Getty Images 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/its-not-just-about-accumulating-super-australians-need-to-learn-how-to-spend-their-retirement-savings-219217">original article</a>.

Retirement Income

"Each bauble represents a life lost": Haunting Christmas tree sends powerful message

As the holiday season approaches, a haunting symbol of despair has once again taken root at Victoria Police headquarters – carrying with it a message of melancholy that we are unaccustomed to at this normally festive time of year. Instead of joyous ornaments and twinkling lights, a Christmas tree adorned with glistening blue baubles now stands as a remarkably poignant testament to the road death carnage that has befallen the state throughout 2023. These beautiful baubles, each etched with the name and age of those lost on Victoria's roads this year, tell a grim tale of grief and loss. With the toll reaching 274 by December 6, it marks the darkest year for the state since 2008. In a moving video accompanying the dressing of the tree, Road Policing Assistant Commissioner Glenn Weir implored the public to drive cautiously during the Christmas period, desperately hoping to prevent the addition of any more baubles to this sorrowful tree. "This Christmas tree is unlike any other; it's one we don't want to see decorated," Commissioner Weir soberly explained. "Each bauble represents a life lost, a stark reminder of the importance of road safety. Please, drive safely this festive period. Take care, have conversations with your loved ones, and remember the responsibility you bear when behind the wheel." November alone witnessed the loss of 35 lives on Victorian roads, marking it as the worst month this year. In response, the police are intensifying road policing operations throughout December in an attempt to curb further tragedies. In a bid to address the escalating death toll, the Transport Accident Commission (TAC) has launched the initiative "Stop kidding yourself. If you drink, don't drive," running from December 4 to the end of January. Shockingly, it has also been revealed that one in five individuals killed on Victorian roads had a blood alcohol concentration of .05 or higher. TAC CEO Tracey Slatter also called on the urgent need for a cultural shift, challenging the notion that driving after consuming any amount of alcohol should be deemed "normal". "Many people think they can manage their blood-alcohol level with vague rules handed down through generations," she said. "But the only way to avoid the risk entirely is to completely separate drinking and driving." As the Christmas tree of remembrance continues to grow with each passing day, it stands as a poignant symbol of the lives lost on Victoria's roads, imploring society to reflect, change and prioritise the safety of every journey. Images: Victoria Police

Travel Trouble

"I've lost complete blood flow": Robert Irwin's near miss with python

Young wildlife warrior Robert Irwin suffered a near miss during a rescue mission over the weekend, when he tried to relocate a carpet python off the road. The 19-year-old took to Instagram on Sunday to share a video of him almost getting bit by the wild snake. "Gee, that gets the heart rate up - he missed me by that much," he said when the snake struck at him. "He's grumpy... he's really keen on biting me... what a gorgeous snake, he's big, he's not venomous but... they're designed to constrict," he said as the python began wrapping its body around his arm to ''constrict" him. "He's got a good grip there, I've lost complete blood flow to my hand, it's completely blue.. and I have no feeling left in my hand," he added. He eventually managed to rescue the snake, and relocated it to a safe spot in the bush the day after. "Near miss! Definitely had a good laugh with this grumpy carpet python - but great to get him rescued off the road and relocated to a much safer spot!" he captioned the post. <blockquote class="instagram-media" style="background: #FFF; border: 0; border-radius: 3px; box-shadow: 0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width: 540px; min-width: 326px; padding: 0; width: calc(100% - 2px);" data-instgrm-captioned="" data-instgrm-permalink="https://www.instagram.com/reel/C0Fc3k-hiy9/?utm_source=ig_embed&utm_campaign=loading" data-instgrm-version="14"> <div style="padding: 16px;"> <div style="display: flex; flex-direction: row; align-items: center;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 40px; margin-right: 14px; width: 40px;"> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 100px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 60px;"> </div> </div> </div> <div style="padding: 19% 0;"> </div> <div style="display: block; height: 50px; margin: 0 auto 12px; width: 50px;"> </div> <div style="padding-top: 8px;"> <div style="color: #3897f0; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: 550; line-height: 18px;">View this post on Instagram</div> </div> <div style="padding: 12.5% 0;"> </div> <div style="display: flex; flex-direction: row; margin-bottom: 14px; align-items: center;"> <div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(0px) translateY(7px);"> </div> <div style="background-color: #f4f4f4; height: 12.5px; transform: rotate(-45deg) translateX(3px) translateY(1px); width: 12.5px; flex-grow: 0; margin-right: 14px; margin-left: 2px;"> </div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(9px) translateY(-18px);"> </div> </div> <div style="margin-left: 8px;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 20px; width: 20px;"> </div> <div style="width: 0; height: 0; border-top: 2px solid transparent; border-left: 6px solid #f4f4f4; border-bottom: 2px solid transparent; transform: translateX(16px) translateY(-4px) rotate(30deg);"> </div> </div> <div style="margin-left: auto;"> <div style="width: 0px; border-top: 8px solid #F4F4F4; border-right: 8px solid transparent; transform: translateY(16px);"> </div> <div style="background-color: #f4f4f4; flex-grow: 0; height: 12px; width: 16px; transform: translateY(-4px);"> </div> <div style="width: 0; height: 0; border-top: 8px solid #F4F4F4; border-left: 8px solid transparent; transform: translateY(-4px) translateX(8px);"> </div> </div> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center; margin-bottom: 24px;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 224px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 144px;"> </div> </div> <p style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; line-height: 17px; margin-bottom: 0; margin-top: 8px; overflow: hidden; padding: 8px 0 7px; text-align: center; text-overflow: ellipsis; white-space: nowrap;"><a style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: normal; line-height: 17px; text-decoration: none;" href="https://www.instagram.com/reel/C0Fc3k-hiy9/?utm_source=ig_embed&utm_campaign=loading" target="_blank" rel="noopener">A post shared by Robert Irwin (@robertirwinphotography)</a> </div> </blockquote> Fans shared their shock and couldn't help but comment on how much the young conservationist was like his late father, Steve Irwin. "Dude you are killing us with these like-father-like-son bits," one fan wrote. "Holy crap. I actually thought I was watching Steve for a second and it took me back a moment. He's very much still alive in his family. No doubt about that," another added. "This is precarious yet hiss-terical !😂 all at the same time. Thank you for helping snakey dude slither to safety! 👍🏼💕" added a fellow conservationist. Images: Instagram

Travel Trouble

Not all beer and pokies: what Australians did with their super when COVID struck

<a href="https://theconversation.com/profiles/nathan-wang-ly-1380895">Nathan Wang-Ly</a>, <a href="https://theconversation.com/institutions/unsw-sydney-1414">UNSW Sydney</a> and <a href="https://theconversation.com/profiles/ben-newell-46">Ben Newell</a>, <a href="https://theconversation.com/institutions/unsw-sydney-1414">UNSW Sydney</a> What happens when people withdraw their retirement savings early? We’ve just found out. During the first year of COVID Australians who faced a 20% decline in their working hours (or turnover for sole traders) or were made unemployed or were on benefits were permitted to take out up to <a href="https://www.ato.gov.au/Individuals/Super/In-detail/Withdrawing-and-using-your-super/COVID-19-early-release-of-super-(closed-31-December-2020)/">A$10,000</a> of their super between April and June 2020, and a further $10,000 between July and December. Five million took up the offer. They withdrew <a href="https://www.apra.gov.au/covid-19-early-release-scheme-issue-36">$36 billion</a>. Most of those surveyed by the Institute of Family Studies said they used the money to cover <a href="https://aifs.gov.au/sites/default/files/publication-documents/2108_6_fias_superannuation_0.pdf">immediate expenses</a>. But definitions of “immediate” can vary. Real time transaction card data appeared to show early withdrawers boosted their spending by an average of <a href="https://www.illion.com.au/buy-now-pay-later-winner-of-stimulus/">$3,000</a> in the fortnight after they got the money. <a href="https://www.stptax.com/emergency-super-withdrawal-spent-on-pokies-beer-and-uber-eats/">One interpretation</a> said they spent the money on “beer, wine, pokies, and takeaway food, rather than mortgages, bills, car debts, and clothes”. In order to get a more complete picture, we obtained access to millions of anonymised transaction records of customers of Australia’s largest bank, the <a href="https://www.sciencedirect.com/science/article/pii/S0313592622001060?via%3Dihub#bfn3">Commonwealth Bank</a>. The data included 1.54 million deposits likely to have been money withdrawn through the scheme including 1.04 million we are fairly confident did. <h2>Who dipped into super?</h2> The data provided by the bank allows us to compare circumstances of withdrawers and non-withdrawers including their age, time with the bank, and banking behaviour before COVID. We find withdrawers tended to be younger and in poorer financial circumstances than non-withdrawers before the pandemic. Six in ten of the withdrawers were under the age of 35, a finding consistent with data reported by the <a href="https://www.abc.net.au/news/2020-05-25/coronavirus-early-access-superannuation-young-people/12282546">Australian Taxation Office</a>. Withdrawers tended to earn less than non-withdrawers, even non-withdrawers of the same age. Only 17% of withdrawers for whom we could identify an income earned more than $60,000 compared with 26% of non-withdrawers. And withdrawers had lower median bank balances ($618 versus $986). For those with credit cards and home loans, withdrawers were about twice as likely to be behind on repayments as non-withdrawers (9.7% versus 5.8% for credit cards, and 8.2% versus 3.4% for home loans). These characteristics suggest that, despite concerns of the scheme being exploited due to the application process <a href="https://www.abc.net.au/news/2020-09-03/-are-people-being-allowed-to-access-their-super-without-scrutiny/12618002">not requiring any documentation</a>, most of those using the scheme genuinely needed the money. <h2>Where did the money go?</h2> Compared to non-withdrawers, those who withdrew increased their spending (on both essential and discretionary items), paid back high-interest debts, boosted their savings, and became less likely to miss debt payments. Withdrawers spent an average of $331 more per month on debit cards in the three months after withdrawal, and $126 per month in the following three months. They spent an extra $117 per month on credit cards during the first three months, which shrank to an extra $13 per month in the following three months. The average withdrawer spent 7% more per month on groceries than the average age and income matched non-withdrawer, 12% more on utilities such as gas and electricity, 16% more on discretionary shopping, and 20% more on “entertainment,” a Commonwealth Bank category that includes gambling. <h2>Less debt, less falling behind</h2> In the three months that followed withdrawing, withdrawers also averaged $437 less credit card debt and $431 less personal loan debt than age and income matched non-withdrawers, differences that shrank to $301 and $351 in the following three months. They also became less likely to fall behind on credit card and personal loan payments, a difference that vanished after three months. Our interpretation is that the scheme achieved its intended purpose: it provided many Australians in need with a financial lifeline and helped buoy them during uncertain and turbulent times. <h2>Lessons learned</h2> At the same time, our <a href="https://www.sciencedirect.com/science/article/pii/S0313592622001060?via%3Dihub#bfn3">findings</a> identify areas of concern. The fact that most withdrawals were for the permitted maximum of $10,000 highlights the need to carefully consider the withdrawal limit. While these sums might simply reflect the true amount of money individuals needed to sustain themselves, it might be that many withdrawers were unsure of how much to <a href="https://cepar.edu.au/sites/default/files/Determinants%20of%20Early%20Access%20to%20Retirement%20Savings_Lessons%20from%20the%20COVID19%20Pandemic_BatemanDobrescuLiuNewellThorp_July21.pdf">withdraw</a> – not knowing how long the pandemic would continue. Another consideration is how to best support withdrawers after they have taken out the money. More than half were under the age of 35, and might find themselves with a good deal less super than they would have in retirement. The government has already introduced <a href="https://www.ato.gov.au/super/apra-regulated-funds/in-detail/apra-resources/re-contribution-of-covid-19-early-release-super-amounts/">tax concessions</a> for withdrawers who contribute funds back into their retirement savings accounts. Super funds might also be able to help, by sending targeted messages to those who have withdrawn.<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/190911/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/nathan-wang-ly-1380895">Nathan Wang-Ly</a>, PhD Student, School of Psychology, <a href="https://theconversation.com/institutions/unsw-sydney-1414">UNSW Sydney</a> and <a href="https://theconversation.com/profiles/ben-newell-46">Ben Newell</a>, Professor of Cognitive Psychology, <a href="https://theconversation.com/institutions/unsw-sydney-1414">UNSW Sydney</a> Image credits: Getty Images 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/not-all-beer-and-pokies-what-australians-did-with-their-super-when-covid-struck-190911">original article</a>.

Money & Banking

The enduring appeal of Friends, and why so many of us feel we’ve lost a personal friend in Matthew Perry

<a href="https://theconversation.com/profiles/adam-gerace-325968">Adam Gerace</a>, <a href="https://theconversation.com/institutions/cquniversity-australia-2140">CQUniversity Australia</a> The <a href="https://www.9news.com.au/videos/world/friends-star-matthew-perry-dies-aged-54/cloatn0ae00ea0jqbpdz0h8td">death of Matthew Perry</a>, best known for his role as Chandler Bing in the television series Friends, has seen an outpouring of grief from fans and the Hollywood community. His passing at age 54 has shocked both those who admired his acting work, as well as those who followed his efforts to bring awareness to <a href="https://people.com/tv/matthew-perry-opens-up-about-addiction-new-memoir/">the pains of addiction</a>. Tributes to Perry have understandably focused on his star-making turn on the incredibly popular television sitcom. Scenes, catchphrases, and his character’s lines have been lovingly repurposed across the internet to memorialise the gifted actor. Meanwhile, many viewers have situated their <a href="https://variety.com/2023/tv/news/friends-fans-mourn-matthew-perry-new-york-apartment-1235772520/">recollections</a> of Perry and the series within the context of their own experiences. Viewers who came of age, or were the characters’ ages during the show’s original run, have reminisced about what the work of Perry and his co-stars meant to them at formative times in their lives. Newer viewers have similarly shared how important the series has been to them – their relationship with the show often beginning long after production ended. For many, Friends was the television equivalent of the soundtrack to their lives. To appreciate the staying power of the series for original and <a href="https://www.etonline.com/streaming-friends-how-a-90s-sitcom-became-gen-zs-new-favorite-show-132624">newer viewers alike</a> almost 30 years since it debuted, we need to consider what functions television viewing serves and the bonds we form with its characters. <h2>Enduring appeal</h2> Part of Friends’ popularity lies in its timing. The show premiered in 1994, a period when network television was still dominant. By its end a decade later, while the power of the big television networks had <a href="https://doi.org/10.1080/08838150701820924">eroded</a>, the series had maintained <a href="https://www.ratingsryan.com/2022/09/friends-nbc-ratings-recap.html">an average</a> of more than 20 million viewers each season. The 2004 finale brought in a <a href="https://www.nytimes.com/2004/05/08/arts/friends-finale-s-audience-is-the-fourth-biggest-ever.html">record-breaking</a> 52.5 million viewers in the United States. The series then entered repeats around the world. It hasn’t left our screens since. The late 90s and early 2000s have sometimes been referred to as the end of monoculture. While a <a href="https://www.vox.com/the-goods/2019/12/17/21024439/monoculture-algorithm-netflix-spotify">contested and controversial idea</a> because of, among other concerns, who was included and excluded on our screens, monoculture meant we watched <a href="https://www.npr.org/sections/bestmusic2012/2012/12/21/167836852/the-year-in-pop-charts-return-of-the-monoculture">many of the same things</a>. One of the most popular shows of its era, Friends brought people together. It was a show we watched with our families or friends, spoke about the next day with colleagues, and it provided a common connection. It allowed bonding with real friends as much as fictional ones. Friends did not only reflect style of the time; it also frequently created it. Jennifer Aniston’s haircut, coined “<a href="https://www.bustle.com/style/the-rachel-haircut">The Rachel</a>”, or Perry’s lovable smart-alecky cadence, typified with Chandler’s catchphrase of “Could I be any more…”, were endlessly imitated. I know I attempted to replicate Chandler’s <a href="https://www.gq.com.au/style/celebrity/unexpectedly-great-fashion-inspiration-courtesy-of-friends/image-gallery/f55ac75cc180e31c462525da961295fc">sweater vests</a> and light blue denim look. Participation provided viewers <a href="https://doi.org/10.1111/j.1540-5931.2011.00866.x">a sense</a> of identity. As people enter their 30s and 40s, they often <a href="https://doi.org/10.1371/journal.pone.0208595">gravitate</a> towards the memories made during their formative adolescent and young adult years. So perhaps it’s no surprise Friends endures for original viewers as it represents – and was a part of – their lives at this important time. <h2>Likeable characters</h2> Television and other fictional media meet our needs for <a href="https://doi.org/10.1111/j.1468-2958.2009.01368.x">both</a> pleasure and extracting meaning. We get excited, entertained and moved by television. As part of this, we bond with fictional characters. We cannot help but <a href="https://doi.org/10.1207/S15327825MCS0403_01">empathise</a> with them. A series like Friends with its characters and their combinations of breakups, makeups and other mishaps allowed us to safely use our empathy muscles to cheer on and sometimes commiserate with the group of six. It helped that each character was flawed but inherently likeable. Fictional characters also allow us to <a href="https://theconversation.com/neighbours-vs-friends-we-found-out-which-beloved-show-fans-mourned-more-when-it-ended-212843">experience lifestyles</a> we might not otherwise. In the case of Friends, who didn’t want to live in a rent-controlled apartment like Monica’s, or regularly meet their supportive and funny pals for coffee at Central Perk? As a teen, I imagined such a world for myself in the not-too-distant future. Younger generations might be more aware of how out-of-reach that lifestyle was, or find the show’s <a href="https://ew.com/tv/jennifer-aniston-friends-offensive-new-generation/">humour sometimes dated</a>. But the idea of what the friends’ lifestyle represented – possibility, freedom, a chosen family – evidently still holds appeal. <h2>Fictional relationships, but real sadness</h2> In forming relationships with fictional characters, we form bonds with the performers who bring them to life. The lines between character and creator become blurry, both because of the knowledge about actors’ lives celebrity culture affords us, but also because their characters seem so real. When the actors pass away, we <a href="https://doi.org/10.1016/j.chb.2016.06.042">feel real grief</a>. It’s important for fans of Matthew Perry to <a href="https://womensagenda.com.au/latest/why-with-all-the-sht-happening-in-the-world-its-still-okay-to-grieve-a-celebritys-death/">acknowledge</a> their loss. Even though his character is fictional, and you didn’t know him personally, you can still feel sad. Watching the series may be difficult right now. With time, it will become easier. Matthew Perry wanted <a href="https://www.independent.co.uk/voices/matthew-perry-death-addiction-alcoholism-drugs-b2437980.html">his legacy</a> to be awareness of addiction and the help he provided to people struggling with this disorder. Hopefully what will be felt now, alongside collective sadness, is an empathy for those facing addiction. That may be the power of television, and of a character named Chandler, and the actor who brought him to life, who many considered their friend.<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/216626/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/adam-gerace-325968">Adam Gerace</a>, Senior Lecturer and Head of Course - Positive Psychology, <a href="https://theconversation.com/institutions/cquniversity-australia-2140">CQUniversity Australia</a> Image credits: Getty Images 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-enduring-appeal-of-friends-and-why-so-many-of-us-feel-weve-lost-a-personal-friend-in-matthew-perry-216626">original article</a>.

Top End tourism surge after massive search for fake Aussie town

In an absolute boon to Top End tourism, it appears that Google users have been working overtime trying to locate a little slice of Northern Territory paradise known as Agnes Bluff and its nearby neighbour Mia Tukurta National Park. Why, you ask? Because they're convinced it's the next hidden holiday hotspot. But here's the catch: it's completely made up. This newfound obsession with Agnes Bluff and Mia Tukurta National Park is all thanks to Amazon Prime's latest hit series, The Lost Flowers Of Alice Hart. People have been binge-watching the show and drooling over the stunning landscapes, causing Google searches for these places to shoot up like a rocket on a sugar rush. According to <a href="https://www.news.com.au/travel/australian-holidays/northern-territory/google-searches-surge-for-agnes-bluff-an-aussie-town-that-doesnt-exist/news-story/59f00cc1e89074de0e6464c0072ae4b8" target="_blank" rel="noopener">news.com.au</a>, Google searches for Agnes Bluff skyrocketed by a whopping 1640 per cent between July and August in Australia, and then another 40 per cent in September, all thanks to the series. And it's not just our fellow Aussies on the hunt for these mystical places – folks from Spain, Canada, the UK, the United States and Italy are also joining the imaginary treasure hunt. Can we blame them for trying to uncover these hidden gems? After all, in the show, Agnes Bluff and Mia Tukurta National Park look so darn spectacular that even the Loch Ness Monster might want to visit. But chin up, dear travellers! While you can't exactly book a one-way ticket to Fantasyland, you can still visit the real-life locations that inspired the series. This show was born from the creative genius of Aussie author Holly Ringland, who drew inspiration from her time living on Anangu land in Australia's Western Desert. In her news.com.au interview, she said, "To know people are Googling these places I fictionalised feels like a shot of joy straight to my heart – I don't know that there could be a greater compliment given to my writing." So, where was the series actually filmed? Well, it turns out they filmed all over Central Australia, including places like the Alice Springs Desert Park, Simpsons Gap, Ooraminna Station, Standley Chasm and Ormiston Gorge – just to name a few. And that crater that had everyone drooling? It's called Tnorala, or Gosses Bluff, and it's a mere 175km from Alice Springs. In fact, search interest in Gosses Bluff crater has hit a 15-year high in Australia, increasing by a whopping 500 per cent in August alone – so, it seems like people are genuinely eager to find their own piece of Alice Hart's world. Now, if you're wondering about the burning question that's on everyone's minds, it's this: "What is the crater in The Lost Flowers for Alice Hart?" And let me tell you, Gosses Bluff, or Tnorala, is the crater-du-jour. But here's the best part – this place is absolutely real; it's not a mirage or a figment of some writer's imagination. You can actually go there, touch it (not the crater itself, though), and breathe in the stunning views. Sure, you can't frolic inside the crater, but there are viewing points that will have you oohing and aahing like a kid in a candy store. And so, while Agnes Bluff and Mia Tukurta National Park might be the stuff of dreams, Gosses Bluff is the real deal. So it could be ime to pack your bags, grab your camera and get ready for an adventure that's so real, it'll make your Google searches feel like a distant dream. Images: Prime Video

Domestic Travel

Marvel star ties the knot in super secret ceremony

Marvel movie star Chris Evans has tied the knot with his girlfriend Alba Baptista in an intimate ceremony at their home in the state of Massachusetts. According to <a href="https://pagesix.com/2023/09/10/chris-evans-marries-alba-baptista/" target="_blank" rel="noopener">Page Six</a>, the Hollywood A-lister and Baptista, a Portuguese actress, got married on Saturday, with only a handful of their closest friends and family attending the nuptials. An insider told <a href="https://www.news.com.au/entertainment/celebrity-life/hook-ups-break-ups/chris-evans-marries-alba-baptista-in-intimate-athome-wedding/news-story/872c843aa221bc8173f0a82feb7c6477" target="_blank" rel="noopener">news.com.au</a> that the nuptials were “locked down tight,” as guests signed NDAs and phones were forfeited for the "beautiful" ceremony. The guest list also included some of the actor’s Marvel co-stars, including Robert Downey Jr., Chris Hemsworth and Jeremy Renner. The Captain America actor and Baptista first sparked rumours of a romance in November 2022, when a source told <a href="https://people.com/movies/chris-evans-dating-alba-baptista-source-exclusive/" target="_blank" rel="noopener">People</a> that the duo had been dating for “over a year.” “They are in love, and Chris has never been happier,” the insider said, already calling their relationship “serious” at the time. “His family and friends all adore her.”<iframe id="google_ads_iframe_/5129/ndm.nent/entertainment/celebritylife/hookupsbreakups_5" tabindex="0" title="3rd party ad content" role="region" name="google_ads_iframe_/5129/ndm.nent/entertainment/celebritylife/hookupsbreakups_5" width="4" height="4" frameborder="0" marginwidth="0" marginheight="0" scrolling="no" aria-label="Advertisement" data-load-complete="true" data-google-container-id="6" data-integralas-id-69c76c0a-f5d2-9885-70ea-25cce3e0243a=""></iframe><iframe width="1" height="1" frameborder="0" scrolling="no"></iframe> Just hours after the news broke, the couple was spotted holding hands during a stroll in Central Park. While little is known about the low-key couple’s relationship, Evans has proudly been flaunting his affection for Baptista online. The Knives Out star was spotted leaving a flirty comment on Baptista’s Instagram post around the same time that news broke of their relationship. Then, in February, the couple went Instagram-official as Evans began posting a series of PDA-filled pics to his Instagram Story in honour of Valentine’s Day. Image credits: Instagram

Relationships

How to double your money just by shopping during Super-September

Did you know you can effortlessly boost your retirement savings simply by shopping – no strings attached? It might sound too good to be true, but thanks to <a href="https://go.linkby.com/SNUFMPYC" target="_blank" rel="noopener">Super-Rewards</a>, a leading cashback provider, this is now a reality. And what's more the process is free, with no ongoing costs, and is incredibly simple. Super-Rewards, a widely recognised program in the industry, operates much like typical cashback programs – but with one key difference: instead of receiving cash in your pocket immediately, your earnings are <a href="https://go.linkby.com/SNUFMPYC" target="_blank" rel="noopener">directed into your superannuation fund</a> for later use. The best part? There are no fees or hidden costs; it's essentially free money when you shop at one of Super-Rewards' 500 <a href="https://go.linkby.com/SNUFMPYC/category/" target="_blank" rel="noopener">online partner stores</a> or 1,000 <a href="https://go.linkby.com/SNUFMPYC/category/instore/" target="_blank" rel="noopener">physical stores</a> across the country – including big names like Apple, Catch, eBay, EnergyAustralia, Virgin Australia, The Good Guys, Petbarn, Big W, Appliances Online, BWS, Adore Beauty and more. Spanning categories like food and drink, health, automotive, clothing, beauty and more, you are literally being paid towards your retirement just for doing the shopping you were going to do anyway. The beauty of Super-Rewards <a href="https://go.linkby.com/SNUFMPYC/how-it-works/" target="_blank" rel="noopener">lies in its versatility</a>; you can link your cashback to any super account with ease. All you need to do is shop through the Super-Rewards app, website, or in-store, using their browser extension. "Boosting your super contributions has never been more crucial, especially in light of recent ASFA research showing an increase in retirement living costs," says Pascale Helyar-Moray, CEO of Super-Rewards. Super-Rewards presents a simple and effective solution for accumulating wealth in your super through everyday spending. "Whether you're male or female, employed or not, earning super has never been this straightforward," adds Helyar-Moray. "Super-Rewards is a 'set and forget' strategy for wealth-building, accessible to all Australians. It's incredibly user-friendly." And now Super-Rewards has launched <a href="https://go.linkby.com/SNUFMPYC" target="_blank" rel="noopener">"Super-September"</a>, during which users can earn a $10 bonus in their Super-Rewards account once they accumulate $10 in cashback between September 1st and October 31st. This offer is open to all Super-Rewards users, and cashback from all Super-Rewards retailers, both online and in-store, is eligible. Helyar-Moray explains, "We want to reward users with $10 for making responsible super contributions through Super-Rewards. While immediate cashback might be tempting, we understand that money spent today can't grow. Our mission is to foster responsible and sustainable wealth creation; we're excited to reward prudent super behaviour by contributing to our users' superannuation accounts." “This is about being smart in how you spend your money. You’re already buying groceries with MILKRUN, purchasing pet food at Petbarn, acquiring appliances at The Good Guys. It’s a no-brainer; you’re undertaking these activities anyway so you may as well be rewarded into your super for doing so, and let the power of compound interest help create a more financially secure retirement for you. It’s super – easy.” <a href="https://go.linkby.com/SNUFMPYC" target="_blank" rel="noopener">The Super-Rewards</a> app is available for download on both the App Store and Google Play. This is a sponsored article produced in partnership with <a href="https://go.linkby.com/SNUFMPYC" target="_blank" rel="noopener">Super-Rewards</a>. Image: Getty

Retirement Income

"Their memories will live on forever": Tragic twist as young brothers lost in car crash identified

Two young lives were tragically cut short in a devastating car crash in the southern part of Sydney. The victims, young brothers Xavier and Peter Abreu, aged ten and nine, are being remembered for their innocence and vibrancy as the community mourns their loss. The incident occurred on Friday night August 25 when the Subaru WRX they were travelling in collided with a tree along Grand Parade in Monterey at approximately 9:50pm. The boys' relative, Jimmy Martin Brito, 33, who was also driving the vehicle and is the father of a nine-year-old girl who was a passenger and sustained minor injuries, has been taken into custody and charged in connection to the incident. He faces charges including two counts of dangerous driving causing death and one count of causing bodily harm by misconduct. In the wake of this tragic event, the boys' stepmother, Jivonne Garrido, has established a fundraising campaign to support the grieving family. She expressed in a <a href="https://www.gofundme.com/f/xavier-abreu-and-peter-abreu" target="_blank" rel="noopener">GoFundMe</a> post on Sunday that while the boys' lives were tragically cut short, their memories will forever remain with the family. "The beautiful boys lost their lives in tragic circumstances however their memories will live on forever with the family Father Samuel Mother Olivia, brothers Alex and Jacob along with Auntie Joanne and Grandmother Dimitria." "We thank everyone who has already shown the size of their hearts with heartfelt messages and flowers at the site and call for assistance from the public that this event may resonate with. We thank you from the bottom of our hearts." The legal proceedings surrounding the incident have begun, with police alleging that Brito was operating the vehicle recklessly, leading to the fatal crash. Brito was expected to appear in court for a hearing, but it was adjourned due to his ongoing recovery from injuries sustained in the crash. His defence lawyer, Fahim Arya, conveyed that his client has had limited communication with his sister, the mother of the two boys who passed away while he was in the hospital. Despite her distress, the mother is reportedly standing by Brito. Mr Arya said the mother was 'distraught and distressed' but 'still supports and stands by him.' He added that Brito was 'fresh out of surgery' and on medication as he begins his long road to recovery. 'I don't know if he knows the two little ones have lost their lives,' Mr Arya said. While the legal process unfolds, the community has united in grief, visiting the crash site to pay their respects to the young brothers. A makeshift memorial has been established at the tree where the accident occurred, adorned with flowers and teddy bears. The profound impact of the crash is evident, with marks etched into the tree and debris scattered around the area. Authorities are looking into the possibility of street racing playing a role in the tragedy. They are particularly interested in locating a grey sedan believed to have been present during the incident, as captured by CCTV. The investigation aims to determine whether the Subaru and the grey sedan were involved in street racing prior to the collision. For anyone with relevant information, dash cam footage, or CCTV recordings, the police urge you to come forward and assist with the ongoing investigation. Information can be shared with the authorities or Crime Stoppers at 1800 333 000. Image: GoFundMe

News

How traditional Indigenous education helped four lost children survive 40 days in the Amazon jungle

<a href="https://theconversation.com/profiles/eliran-arazi-1447346">Eliran Arazi</a>, <a href="https://theconversation.com/institutions/hebrew-university-of-jerusalem-855">Hebrew University of Jerusalem</a> The discovery and rescue of <a href="https://www.reuters.com/world/americas/four-missing-colombian-children-found-alive-jungle-sources-2023-06-10/">four young Indigenous children</a>, 40 days after the aircraft they were travelling in crashed in the remote Colombian rainforest, was hailed in the international press as a “<a href="https://www.lemonde.fr/en/international/article/2023/06/11/miracle-in-the-jungle-colombia-celebrates-rescue-of-children-lost-in-amazon-rainforest_6030840_4.html">miracle in the jungle</a>”. But as an anthropologist who has spent more than a year living among the Andoque people in the region, <a href="https://www.academia.edu/100474974/Amazonian_visions_of_Visi%C3%B3n_Amazon%C3%ADa_Indigenous_Peoples_perspectives_on_a_forest_conservation_and_climate_programme_in_the_Colombian_Amazon">conducting ethnographic fieldwork</a>, I cannot simply label this as a miraculous event. At least, not a miracle in the conventional sense of the word. Rather, the survival and discovery of these children can be attributed to the profound knowledge of the intricate forest and the adaptive skills passed down through generations by Indigenous people. During the search for the children, I was in contact with Raquel Andoque, an elder maloquera (owner of a ceremonial longhouse), the sister of the children’s great-grandmother. She repeatedly expressed her unwavering belief the children would be found alive, citing the autonomy, astuteness and physical resilience of children in the region. Even before starting elementary school, children in this area accompany their parents and elder relatives in various activities such as gardening, fishing, navigating rivers, hunting and gathering honey and wild fruits. In this way the children acquire practical skills and knowledge, such as those demonstrated by Lesly, Soleiny, Tien and Cristin during their 40-day ordeal. Indigenous children typically learn from an early age how to open paths through dense vegetation, how to tell edible from non-edible fruits. They know how to find potable water, build rain shelters and set animal traps. They can identify animal footprints and scents – and avoid predators such as jaguars and snakes lurking in the woods. Amazonian children typically lack access to the sort of commercialised toys and games that children in the cities grow up with. So they become adept tree climbers and engage in play that teaches them about adult tools made from natural materials, such as oars or axes. This nurtures their understanding of physical activities and helps them learn which plants serve specific purposes. <figure class="align-center "><img src="https://images.theconversation.com/files/532019/original/file-20230614-31-hrdd5z.png?ixlib=rb-1.1.0&q=45&auto=format&w=754&fit=clip" sizes="(min-width: 1466px) 754px, (max-width: 599px) 100vw, (min-width: 600px) 600px, 237px" srcset="https://images.theconversation.com/files/532019/original/file-20230614-31-hrdd5z.png?ixlib=rb-1.1.0&q=45&auto=format&w=600&h=450&fit=crop&dpr=1 600w, https://images.theconversation.com/files/532019/original/file-20230614-31-hrdd5z.png?ixlib=rb-1.1.0&q=30&auto=format&w=600&h=450&fit=crop&dpr=2 1200w, https://images.theconversation.com/files/532019/original/file-20230614-31-hrdd5z.png?ixlib=rb-1.1.0&q=15&auto=format&w=600&h=450&fit=crop&dpr=3 1800w, https://images.theconversation.com/files/532019/original/file-20230614-31-hrdd5z.png?ixlib=rb-1.1.0&q=45&auto=format&w=754&h=566&fit=crop&dpr=1 754w, https://images.theconversation.com/files/532019/original/file-20230614-31-hrdd5z.png?ixlib=rb-1.1.0&q=30&auto=format&w=754&h=566&fit=crop&dpr=2 1508w, https://images.theconversation.com/files/532019/original/file-20230614-31-hrdd5z.png?ixlib=rb-1.1.0&q=15&auto=format&w=754&h=566&fit=crop&dpr=3 2262w" alt="A youg girl holding up an insect as her family works alongside" /><figcaption>A local Indigenous girl on an excursion to gather edible larvae. Image courtesy of Eliran Arazi, Author provided</figcaption></figure> Activities that most western children would be shielded from – handling, skinning and butchering game animals, for example – provide invaluable zoology lessons and arguably foster emotional resilience. <h2>Survival skills</h2> When they accompany their parents and relatives on excursions in the jungle, Indigenous children learn how to navigate a forest’s dense vegetation by following the location of the sun in the sky. <figure class="align-left zoomable"><a href="https://images.theconversation.com/files/532012/original/file-20230614-29-ii5s0u.png?ixlib=rb-1.1.0&q=45&auto=format&w=1000&fit=clip"><img src="https://images.theconversation.com/files/532012/original/file-20230614-29-ii5s0u.png?ixlib=rb-1.1.0&q=45&auto=format&w=237&fit=clip" sizes="(min-width: 1466px) 754px, (max-width: 599px) 100vw, (min-width: 600px) 600px, 237px" srcset="https://images.theconversation.com/files/532012/original/file-20230614-29-ii5s0u.png?ixlib=rb-1.1.0&q=45&auto=format&w=600&h=551&fit=crop&dpr=1 600w, https://images.theconversation.com/files/532012/original/file-20230614-29-ii5s0u.png?ixlib=rb-1.1.0&q=30&auto=format&w=600&h=551&fit=crop&dpr=2 1200w, https://images.theconversation.com/files/532012/original/file-20230614-29-ii5s0u.png?ixlib=rb-1.1.0&q=15&auto=format&w=600&h=551&fit=crop&dpr=3 1800w, https://images.theconversation.com/files/532012/original/file-20230614-29-ii5s0u.png?ixlib=rb-1.1.0&q=45&auto=format&w=754&h=692&fit=crop&dpr=1 754w, https://images.theconversation.com/files/532012/original/file-20230614-29-ii5s0u.png?ixlib=rb-1.1.0&q=30&auto=format&w=754&h=692&fit=crop&dpr=2 1508w, https://images.theconversation.com/files/532012/original/file-20230614-29-ii5s0u.png?ixlib=rb-1.1.0&q=15&auto=format&w=754&h=692&fit=crop&dpr=3 2262w" alt="Map of the Middle Caqueta region of Colombia." /></a><figcaption>Map showing where in Colombia the four lost children are from. Gadiel Levi, Author provided</figcaption></figure> Since the large rivers in most parts of the Amazon flow in a direction opposite to that of the sun, people can orient themselves towards those main rivers. The trail of footprints and objects left by the four children revealed their general progression towards the Apaporis River, where they may have hoped to be spotted. The children would also have learned from their parents and elders about edible plans and flowers – where they can be found. And also the interrelationship between plants, so that where a certain tree is, you can find mushrooms, or small animals that can be trapped and eaten. <h2>Stories, songs and myths</h2> Knowledge embedded in mythic stories passed down by parents and grandparents is another invaluable resource for navigating the forest. These stories depict animals as fully sentient beings, engaging in seduction, mischief, providing sustenance, or even saving each other’s lives. While these episodes may seem incomprehensible to non-Indigenous audiences, they actually encapsulate the intricate interrelations among the forest’s countless non-human inhabitants. Indigenous knowledge focuses on the interrelationships between humans, plants and animals and how they can come together to preserve the environment and prevent irreversible ecological harm. This sophisticated knowledge has been developed over millennia during which Indigenous people not only adapted to their forest territories but actively shaped them. It is deeply ingrained knowledge that local indigenous people are taught from early childhood so that it becomes second nature to them. It has become part of the culture of cultivating and harvesting crops, something infants and children are introduced to, as well as knowledge of all sort of different food sources and types of bush meat. <h2>Looking after each other</h2> One of the aspects of this “miraculous” story that people in the west have marvelled over is how, after the death of the children’s mother, the 13-year-old Lesly managed to take care of her younger siblings, including Cristin, who was only 11 months old at the time the aircraft went down. <figure class="align-center "><img src="https://images.theconversation.com/files/532007/original/file-20230614-19-7q92j0.jpeg?ixlib=rb-1.1.0&q=45&auto=format&w=754&fit=clip" sizes="(min-width: 1466px) 754px, (max-width: 599px) 100vw, (min-width: 600px) 600px, 237px" srcset="https://images.theconversation.com/files/532007/original/file-20230614-19-7q92j0.jpeg?ixlib=rb-1.1.0&q=45&auto=format&w=600&h=450&fit=crop&dpr=1 600w, https://images.theconversation.com/files/532007/original/file-20230614-19-7q92j0.jpeg?ixlib=rb-1.1.0&q=30&auto=format&w=600&h=450&fit=crop&dpr=2 1200w, https://images.theconversation.com/files/532007/original/file-20230614-19-7q92j0.jpeg?ixlib=rb-1.1.0&q=15&auto=format&w=600&h=450&fit=crop&dpr=3 1800w, https://images.theconversation.com/files/532007/original/file-20230614-19-7q92j0.jpeg?ixlib=rb-1.1.0&q=45&auto=format&w=754&h=566&fit=crop&dpr=1 754w, https://images.theconversation.com/files/532007/original/file-20230614-19-7q92j0.jpeg?ixlib=rb-1.1.0&q=30&auto=format&w=754&h=566&fit=crop&dpr=2 1508w, https://images.theconversation.com/files/532007/original/file-20230614-19-7q92j0.jpeg?ixlib=rb-1.1.0&q=15&auto=format&w=754&h=566&fit=crop&dpr=3 2262w" alt="Three Indigenous people in western clothes stood under trees in front of a wide building." /><figcaption>Iris Andoque Macuna with her brother Nestor Andoque and brother-in-law Faustino Fiagama after the two men returned from the search team. Iris Andoque Macuna., Author provided</figcaption></figure> But in Indigenous families, elder sisters are expected to act as surrogate mothers to their younger relatives from an early age. Iris Andoke Macuna, a distant relative of the family, told me: <blockquote> To some whites [non-Indigenous people], it seems like a bad thing that we take our children to work in the garden, and that we let girls carry their brothers and take care of them. But for us, it’s a good thing, our children are independent, this is why Lesly could take care of her brothers during all this time. It toughened her, and she learned what her brothers need. </blockquote> <h2>The spiritual side</h2> For 40 days and nights, while the four children were lost, elders and shamans performed rituals based on traditional beliefs that involve human relationships with entities known as dueños (owners) in Spanish and by various names in native languages (such as i'bo ño̰e, meaning “persons of there” in Andoque). These owners are believed to be the protective spirits of the plants and animals that live in the forests. Children are introduced to these powerful owners in name-giving ceremonies, which ensure that these spirits recognise and acknowledge relationship to the territory and their entitlement to prosper on it. <figure class="align-center "><img src="https://images.theconversation.com/files/531997/original/file-20230614-15389-7c6oly.JPG?ixlib=rb-1.1.0&q=45&auto=format&w=754&fit=clip" sizes="(min-width: 1466px) 754px, (max-width: 599px) 100vw, (min-width: 600px) 600px, 237px" srcset="https://images.theconversation.com/files/531997/original/file-20230614-15389-7c6oly.JPG?ixlib=rb-1.1.0&q=45&auto=format&w=600&h=400&fit=crop&dpr=1 600w, https://images.theconversation.com/files/531997/original/file-20230614-15389-7c6oly.JPG?ixlib=rb-1.1.0&q=30&auto=format&w=600&h=400&fit=crop&dpr=2 1200w, https://images.theconversation.com/files/531997/original/file-20230614-15389-7c6oly.JPG?ixlib=rb-1.1.0&q=15&auto=format&w=600&h=400&fit=crop&dpr=3 1800w, https://images.theconversation.com/files/531997/original/file-20230614-15389-7c6oly.JPG?ixlib=rb-1.1.0&q=45&auto=format&w=754&h=503&fit=crop&dpr=1 754w, https://images.theconversation.com/files/531997/original/file-20230614-15389-7c6oly.JPG?ixlib=rb-1.1.0&q=30&auto=format&w=754&h=503&fit=crop&dpr=2 1508w, https://images.theconversation.com/files/531997/original/file-20230614-15389-7c6oly.JPG?ixlib=rb-1.1.0&q=15&auto=format&w=754&h=503&fit=crop&dpr=3 2262w" alt="Woman in pink t-shirt sat on chair inside." /><figcaption>Raquel Andoke, a relative of the missing children and friend of the author. Image courtesy of Eliran Arazi, Author provided</figcaption></figure> During the search for the missing children, elders conducted dialogues and negotiations with these entities in their ceremonial houses (malocas) throughout the <a href="https://www.researchgate.net/figure/Middle-and-Lower-Caqueta-River-region-State-of-Amazonas-Colombia-Map-from_fig1_255580310">Middle Caquetá</a> and in other Indigenous communities that consider the crash site part of their ancestral territory. Raquel explained to me: <blockquote> The shamans communicate with the sacred sites. They offer coca and tobacco to the spirits and say: “Take this and give me my grandchildren back. They are mine, not yours.” </blockquote> These beliefs and practices hold significant meaning for my friends in the Middle Caquetá, who firmly attribute the children’s survival to these spiritual processes rather than the technological means employed by the Colombian army rescue teams. It may be challenging for non-Indigenous people to embrace these traditional ideas. But these beliefs would have instilled in the children the faith and emotional fortitude crucial for persevering in the struggle for survival. And it would have encouraged the Indigenous people searching for them not to give up hope. The children knew that their fate did not lie in dying in the forest, and that their grandparents and shamans would move heaven and earth to bring them back home alive. Regrettably, this traditional knowledge that has enabled Indigenous people to not only survive but thrive in the Amazon for millennia is under threat. Increasing land encroachment for agribusiness, mining, and illicit activities as well as state neglect and interventions without Indigenous consent have left these peoples vulnerable. It is jeopardising the very foundations of life where this knowledge is embedded, the territories that serve as its bedrock, and the people themselves who preserve, develop, and transmit this knowledge. Preserving this invaluable knowledge and the skills that bring miracles to life is imperative. We must not allow them to wither away.<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/207762/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/eliran-arazi-1447346">Eliran Arazi</a>, PhD researcher in Anthropology, Hebrew University of Jerusalem and the School for Advanced Studies in the Social Sciences (Paris)., <a href="https://theconversation.com/institutions/hebrew-university-of-jerusalem-855">Hebrew University of Jerusalem</a> This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/how-traditional-indigenous-education-helped-four-lost-children-survive-40-days-in-the-amazon-jungle-207762">original article</a>. Images: Getty

Caring

The real reason your luggage is lost in transit

There’s nothing worse than that moment of realisation you get when, standing at an empty luggage carousel, you realise your bags are anywhere in the world but here. SITA, a company specialising in air transport, has published a study revealing the most common reasons bags are misplaced in transit and tips on how to avoid it. 2015 it turns out was a historically good year for luggage retention, with the total number of mishandled bags diminishing about 50 per cent from 2007 to 2015. Worldwide, out of every 1000 passengers only around six bags are being misplaced. But it still wasn’t perfect, and 23 million bags were still misplaced. SITA has outlined the top reasons luggage doesn’t make it to where it’s supposed to be, as well as some tips to help make sure your bags makes the trip safely. Reasons for lost luggage: <ul> <li>Lost during a transfer – This was the major reason for luggage being misplaced and the cause of over half the reported misplaced luggage occurrences.</li> <li>Ticketing errors, bag switches or security issues – Around 19 per cent of lost bags fell into this category, suggesting that human error still plays a role.</li> <li>Delayed due to airport, customs, and weather or space/weight restrictions – This broad category accounted for almost 16 per cent of the lost luggage.</li> <li>Failure to load the bag or mishandling at arrival station – This was the reason behind four per cent of the bags that were mishandled.</li> <li>Tagging Error – With significant advancements in bag handling technology tagging errors accounted for only four per cent of lost luggage.</li> </ul> SITA also offered some advice for making sure your bag makes it all the way to the desired destination, suggesting air passengers take the following precautions: <ul> <li>Avoid short connections.</li> <li>Put a form of identification on the bag.</li> <li>Double check the destination tag.</li> <li>Pack luggage carefully avoiding restricted items.</li> <li>Consider purchasing a personal luggage tracking device.</li> </ul> Images: Getty

Travel Trouble

"Get a grip": Retirees roasted over tone-deaf pension question

A pair of retirees - and their significant others - have found themselves at the centre of a new online debate, all because of their submission to one financial advice column, and its circulation on social media. Both retirees - each with millions of dollars to their names - submitted their concerns to the Sun Herald’s George Cochrane, hoping for financial advice and a solid strategy moving forward with their respective retirements. The first request saw a 78-year-old man and his 79-year-old wife ask if they should look into selling some of their shares in order to stay below a threshold. The couple were receiving an account-based pension from their self-managed super fund, with a combined total of nearly $2.3 million - he had $1,5999,956 and she had $675,590 as of July 2017. Their combined funds were invested in Australian shares, they noted, and gave them a “healthy return which includes imputation credits”. They went on to share that since 2017, some of their shareholdings had “more than doubled in value”, and that the husband’s contribution to their fund had exceeded “the $3 million limit which the government intends to bring in.” “What will be the tax implications if my SMSF reaches $4 million and my wife’s $1.8 million?” they asked. “Should we sell some of our shares to stay below the $3 million threshold?” The second request came from a 60-year-old woman on behalf of herself and her 50-year-old husband, in which she revealed they had property valued at $4 million, and that they’d accessed her super to pay their $300,000 mortgage. His super, meanwhile, still contained half a million. Additionally, the two had plans to relocate to Europe to a “less expensive property” in order for them to spend more time - and have more funds to put towards - travelling. “We prefer not to work,” she shared, “have no children and intend to spend all our money. What would be a good strategy?” Advice was given, but the column’s wave of response came when The Guardian’s deputy news editor Josephine Tovey shared it to her Twitter, sharing her thoughts on the “generational inequality” it represented, and closing her take with the line “what problems to have”. <blockquote class="twitter-tweet"> Honestly if you want to get your blood up about generational inequality in Australia may I recommended the letters on the Money page of the Sun Herald? What problems to have. <a href="https://t.co/uka3EpbOOj">pic.twitter.com/uka3EpbOOj</a> — Josephine Tovey (@Jo_Tovey) <a href="https://twitter.com/Jo_Tovey/status/1660073911944638464?ref_src=twsrc%5Etfw">May 21, 2023</a></blockquote> Many - mostly those from younger generations, primarily millennials - were quick to side with Tovey, unable to wrap their heads around the idea that the couples’ problems were valid ones. “Oh no. I have TOO MUCH MONEY. What to do, what to do,” one user wrote. “‘I have more money than I know what to do with. Please help’,” another contributed. “I'd ‘prefer not to work’ too but here I am,” one quipped. And as someone else put it, “more than $4 million in assets but too cheap to pay for professional advice. Nothing could be more boomer than this.” “I think that there is huge inequity and variance among Boomers - often depending on the presence or absence of intergenerational wealth,” another user noted. “Ditto with millennials cos of [the] same reason”. However, for every person who was condemning them, another was prepped and ready to come to their defence. “Dear oh dear. Tall poppy syndrome strikes again - Australians are so good at trying to tear down the successful,” one said. “Seriously, get a grip everyone. Good luck to them and I hope they enjoy their respective retirements.” “My partner and I don’t have kids, we live in a modest house and save as much as we can so that we can retire early and travel, we are not landlords, we didn’t inherit any money but we should have about $2 million to retire on, we are working class,” one shared, “doesn’t seem wrong to me.” “They obviously worked hard and earnt it!! Haters going to hate - but good on them - I hope in 20 years when I retire, I have problems like this too,” another wrote. “So they have worked hard all their lives, they don’t have children and they want to travel - why is this an issue?” someone wanted to know, before adding that “they deserve to spend their twilight years in comfort.” Images: Twitter

Money & Banking

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

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

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"Get a grip": Retirees roasted over tone-deaf pension question

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

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