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Mum's tribute to "kind" teenager after unidentified remains found

<p>Isla Bell's mum, Justine Spokes, has paid tribute to the "kind" and "gentle" teenager, after remains believed to be the 19-year-old's were found at a waste management facility in Melbourne's south-east. </p> <p>Bell was last seen leaving her Brunswick home about 6pm on October 4 and made final contact with her friends on October 7. </p> <p>At the time, her mother made a heartfelt plea for her return, saying: "We just can't wait to hold you bub, we love you so much and we just want to know you're safe, my darling." </p> <p>On Tuesday afternoon, police arrived at a facility in Bentleigh East, after receiving a tip-off that a white van was seen dumping a fridge believed to be connected to the investigation. The found the yet-to-be-formally identified remains at the facility. </p> <p><a href="https://www.oversixty.com.au/finance/legal/men-charged-after-remains-found-following-teen-s-disappearance" target="_blank" rel="noopener">Two men have been charged</a> over the death of the 19-year-old, and documents released by the court on Wednesday revealed that she was allegedly murdered in St Kilda East, the same day she was last in contact with her loved ones. </p> <p>Police allege a 53-year-old man, who she was believed to be staying with a few days prior to her death, attacked her inside his apartment, and a 57-year-old man helped him hide her body in the fridge. </p> <p>They also allege the 53-year-old man initially denied knowledge of the fridge, but eventually admitted to transporting Bell's remains after she died at his house, but claims he did not know how she died and denied any involvement.</p> <p>In a statement to <em>The Age</em>, Bell's mother said her daughter is "cherished forever and suffering no more".</p> <p>"I am so sorry I could not protect you, that your experience of the world was cruel and unsafe," Spokes said.</p> <p>"Despite your challenges, you lived bravely, stood up for what was right and remained the kindest human, the gentlest soul.</p> <p>"May your (alleged) murderer murder no more. With the deepest love and respect, your Mumma."</p> <p><em>Image: Nine News</em></p>

Family & Pets

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Full House star's devastating cancer diagnosis

<p>Dave Coulier has revealed his devastating cancer diagnosis </p> <p>The <em>Full House</em> star told the <em>US Toda</em>y show about his "roller coaster" health struggle on Wednesday. </p> <p>After finding out that he was diagnosed with stage 3 non-Hodgkin lymphoma, he said it felt like "I got punched in the stomach because it never happens to you," according to <em>Page Six</em>. </p> <p>Coulier, whose first symptom was a lump in his groin, noted that he was “on pins and needles for a few days” while waiting to hear whether the disease had spread “to any major organs or [his] blood or bones or anything.”</p> <p>While waiting for his results, the 65-year-old actor told his wife, Melissa Coulier that he accepted his fate. </p> <p> “I’m OK with whatever the news [is] going to be no matter how devastating. … I’ve had an incredible life. I’ve had the most amazing people in my life. This has been an extraordinary journey, and I’m OK if this is the end of the journey”.</p> <p>Fortunately the cancer has not moved outside of his lymphatic system, and since then the actor has started chemotherapy, which he said was  “intense” and “scared the daylights” out of him.</p> <p>“There [are] days where I feel unbelievable,” he said. “Then there’s other days where … I’m just going to lay down and let this be what it’s going to be”.</p> <p>Coulier is expected to finish treatment in February 2025 after undergoing six rounds of chemo every three weeks. </p> <p>While the diagnosis was initially shocking, the actor has assured his fans that the curability rate is promising. </p> <p><em>Image: Ralph Dominguez/MediaPunch/ Shutterstock Editorial</em></p> <p> </p>

Caring

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"Rot in hell": Family of murdered paramedic speak out over ruling

<p>The man charged with murdering New South Wales paramedic Steven Tougher has been found not criminally responsible due to a mental health impairment, with Tougher's family "appalled" by the decision. </p> <p>In April 2023, Tougher, 29, was stabbed in a McDonald’s carpark by Jordan Fineanganofo, 23, in a frenzied attack at 5am in the Sydney suburb of Campbelltown. </p> <p>The father-to-be had been eating with a colleague when he was approached by Fineanganofo, who stabbed him 55 times and leaving 24 incised wounds. </p> <p>“I am going to f**king kill you,” Fineanganofo said to Mr Tougher, according to the agreed facts and court documents. </p> <p>Mr Tougher was rushed to hospital after the attack, but suffered a cardiac arrest and died at the hospital shortly after he arrived. </p> <p>Both the defence and the Crown prosecutor agreed the court could find Fineanganofo was not responsible because of his mental health issues, with Justice David Davies stating on Friday that he cannot be held criminal responsible. </p> <p>“I am satisfied beyond a reasonable doubt that the accused committed the psychical acts,” he said.</p> <p>“(I) find the accused was suffering from a mental impairment at the time he committed the acts”. </p> <p>Justice Davies found Fineanganofo had been suffering from a mental health impairment at the time of the attack and did not know the wrongness of his actions because of his illness.</p> <p>The court was told Fineanganofo experienced auditory hallucinations, increasing paranoia, and suicidal ideation before the deadly attack, as the 23-year-old told psychiatrists that he heard voices telling him to harm himself and others in the weeks leading up to the offences, and believed he was surrounded by malignant demons.</p> <p>As Justice Davies handed down his decision, Tougher's friends and family broke down in court. </p> <p>“You chose not to take your medication, you’re the demon,” one person shouted at Fineanganofo as he was taken into custody, while another person yelled, “Rot in hell, you dog.”</p> <p>Outside court, Mr Tougher’s father Jeff said the family were “appalled” with the outcome.</p> <p>“It is neither what we wanted nor what we expected,” he said. “Stephen has been lost in this deeply flawed and broken process.”</p> <p>The heartbroken father said the family “strongly oppose” the court's decision to agree to a finding of not criminally responsible, and they were “deeply offended” they were not consulted before the decision was made.</p> <p>Mr Tougher’s father said the family would be pushing for an inquest into the “deplorable” circumstances surrounding his son’s death. </p> <p>“We are damaged today, but we’re not broken. The system is broken, and as a family, we will be fighting for change,” he said. “My son will not be forgotten, nor will his death be dismissed.”</p> <p><em>Image credits: Facebook</em></p>

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Teen found not guilty of murdering Brisbane mum

<p>A teenager has been found not guilty of murdering Brisbane mother Emma Lovell, with her heart-broken widow shedding tears at the verdict. </p> <p>The now 18-year-old faced trial on the allegation that he had seen a knife in his co-offender's hand and knew he was armed when the pair broke into the Lovell home on Boxing Day in 2022.</p> <p>The main offender fatally stabbed Emma and hurt her husband Lee in the struggle that followed.</p> <p>With the case largely dependant on crucial split-second CCTV, Justice Michael Copley ruled he could not "be satisfied beyond reasonable doubt that the accused knew the other teen was in possession of the knife".</p> <p>The teenager was found not guilty of Ms Lovell's murder or manslaughter and also acquitted of unlawful wounding, but was found guilty of burglary and assault in company.</p> <p>Outside the court, Lee Lovell became emotional as he told reporters, "I'm not feeling too great at the moment - the verdict was a joke. I don't feel justified for Emma one bit."</p> <p>"You try and do the best you can for her and I don't feel I've been able to do that."</p> <p>Mr Lovell said legislation needed to be changed in order for victims and their families to have justice. </p> <p>"You are a part of killing someone and you get a burglary charge. What does that say for anyone going forward," he said.</p> <p>"We are the ones with a life sentence now."</p> <p><em>Image credits: Facebook</em></p>

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What are house dust mites and how do I know if I’m allergic to them?

<div class="theconversation-article-body"><em><a href="https://theconversation.com/profiles/deryn-lee-thompson-1449312">Deryn Lee Thompson</a>, <a href="https://theconversation.com/institutions/university-of-south-australia-1180">University of South Australia</a></em></p> <p>People often believe they are allergic to <a href="https://ahd.csiro.au/everything-in-our-homes-gathers-dust-but-what-exactly-is-it-where-does-it-come-from-and-why-does-it-keep-coming-back-is-it-from-outside-is-it-fibres-from-our-clothes-and-cells-from-our-skin/">house dust</a>. But of the <a href="https://www.allergy.org.au/patients/allergy-treatments/allergen-minimisation">20% of Australians</a> suffereing with allergies, a number are are actually allergic to microscopic <a href="https://www.healthdirect.gov.au/dust-mites">house dust mites</a>.</p> <p>House dust mites belong to the same family as spiders and ticks. They measure just 0.2-0.3 mm, with 50 fitting on a single pinhead. They <a href="https://www.intechopen.com/chapters/71977">live</a> for 65–100 days, and females lay 60–100 eggs in their life.</p> <p>House dust mites love temperate climates and humidity. They feed off the skin cells we and animals shed, as well as mould, which they digest using special enzymes. These enzymes are excreted in their poo about <a href="https://www.intechopen.com/chapters/71977">20 times a day</a>. They also shed fragments of their exoskeletons.</p> <p>All these fragments trigger allergies in people with this type of allergic rhinitis (which is also known as hay fever)</p> <h2>What are the symptoms?</h2> <p>When people with house dust mite allergy inhale the allergens, they penetrate the mucous membranes of the airways and eyes. Their body recognises the allergens as a threat, releasing chemicals including one called histamine.</p> <p>This causes symptoms including a runny nose, an itchy nose, eyes and throat, sneezing, coughing and a feeling of mucus at the back of your throat (known as a post-nasal drip).</p> <p>People with this type of allergy usually mouth breath, snore, rub their nose constantly (creating a nasal crease called the “dust mite salute”) and have dark shadows under their eyes.</p> <p>House dust mite allergy <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC7328274/">can also cause</a> poor sleep, constant tiredness, reduced concentration at work or school and lower quality of life.</p> <p>For people with eczema, their damaged skin barrier can allow house dust mite proteins in. This prompts immune cells in the skin to <a href="https://academic.oup.com/bjd/article/190/1/e5/7485663">release chemicals</a> which make already flared skin become redder, sorer and itchier, especially in children.</p> <p>Symptoms of house dust mite allergy occur year round, and are often worse after going to bed and when waking in the morning. But people with house dust mite allergy <em>and</em> pollen allergies find their year-round symptoms worsen in spring.</p> <h2>How is it diagnosed?</h2> <p>House dust mite allergy symptoms often build up over months, or even years before people seek help. But an accurate diagnosis means you can not only access the right treatment – it’s also vital for minimising exposure.</p> <p>Doctor and nurse practitioners can order a <a href="https://www.allergy.org.au/patients/allergy-treatments/allergen-minimisation">blood test</a> to check for house dust mite allergy.</p> <p>Alternatively, health care providers with <a href="https://www.allergy.org.au/hp/a-career-in-clinical-immunology-and-allergy">specialised allergy training</a> can perform skin prick tests. This involves placing drops of the allergens on the arm, along with a positive and negative “control”. After 15 minutes, those who test positive will have developed a mosquito bite-like mark.</p> <h2>How is it treated?</h2> <p>Medication options include one or a combination of:</p> <ul> <li>daily non-sedating antihistamines</li> <li>a steroid nasal spray</li> <li>allergy eye drops.</li> </ul> <p>Your health care professional will work with you to develop a <a href="https://www.allergy.org.au/images/stories/pospapers/ar/ASCIA_HP_Allergic_Rhinitis_2022.pdf">rhinitis (hay fever) medical management plan</a> to reduce your symptoms. If you’re using a nasal spray, your health provider will <a href="https://www.youtube.com/watch?v=_ytYj1TLojM">show you how to use it</a>, as people often use it incorrectly.</p> <p>If you also have <a href="https://www.nationalasthma.org.au/understanding-asthma/how-is-asthma-managed">asthma</a> or eczema which is worsened by dust mites, your health provider will adapt your <a href="https://www.nationalasthma.org.au/health-professionals/asthma-action-plans">asthma action plan</a> or <a href="https://medcast.com.au/qhub/eczema/resources">eczema care plan</a> accordingly.</p> <p>If you experience severe symptoms, a longer-term option is <a href="https://www.allergy.org.au/images/pc/ASCIA_PC_Allergen_Immunotherapy_FAQ_2024.pdf">immunotherapy</a>. This aims to gradually turn off your immune system’s ability to recognise house dust mites as a harmful allergen.</p> <p>Immunotherapy involves taking either a daily sublingual tablet, under the tongue, or a series of injections. Injections require monthly attendances over three years, after the initial weekly build-up phase.</p> <p>These are <a href="https://theconversation.com/im-considering-allergen-immunotherapy-for-my-hay-fever-what-do-i-need-to-know-190408">effective</a>, but are costly (as well as time-consuming). So it’s important to weigh up the potential benefits and downsides with your health-care provider.</p> <h2>How can you minimise house dust mites?</h2> <p>There are also important allergy minimisation measures you can take to reduce allergens in your home.</p> <p>Each week, <a href="https://www.allergy.org.au/component/finder/search?q=minimisation&amp;Itemid=100001">wash</a> your bedding and pyjamas in hot water (over 60°C). This <a href="https://www.nationalasthma.org.au/living-with-asthma/resources/patients-carers/factsheets/dust-mites-trigger-my-asthma">removes</a> house dust mite eggs and debris.</p> <p>Opt for doonas, covers or quilts that can be washed in hot water above 60°C. Alternatively, low-cost waterproof or leak proof covers can keep house dust mites out.</p> <p>If you can, favour blinds and wood floors over curtains and carpet. Dust blinds and surfaces with a damp cloth each week and vacuum while wearing a mask, or have someone else do it, as house dust mites can become airborne during cleaning.</p> <p>But beware of costly products with big marketing budgets and little evidence to support their use. A new mattress, for example, will always be house dust mite-free. But once slept on, the house dust mite life cycle can start.</p> <p>Mattress protectors and toppers commonly claim to be “hypoallergenic”, “anti-allergy” or “allergy free”. But their pore sizes are not small enough to keep house dust mites and their poo out, or shed skin going through.</p> <p>Sprays claiming to kill mites require so much spray to penetrate the product that it’s likely to become wet, may smell like the spray and, unless dried properly, may grow mould.</p> <p>Finally, claims that expensive vacuum cleaners can extract all the house dust mites are unsubstantiated.</p> <p><em>For more information, visit <a href="https://www.healthdirect.gov.au/dust-mites">healthdirect.gov.au</a> or the <a href="https://www.allergy.org.au/patients/allergy-treatments/allergen-minimisation">Australian Society of Clinical Immunology and Allergy</a>.</em><!-- Below is The Conversation's page counter tag. Please DO NOT REMOVE. --><img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/240918/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /><!-- End of code. If you don't see any code above, please get new code from the Advanced tab after you click the republish button. The page counter does not collect any personal data. More info: https://theconversation.com/republishing-guidelines --></p> <p><em><a href="https://theconversation.com/profiles/deryn-lee-thompson-1449312">Deryn Lee Thompson</a>, Eczema and Allergy Nurse; Lecturer, <a href="https://theconversation.com/institutions/university-of-south-australia-1180">University of South Australia</a></em></p> <p><em>Image credits: Shutterstock </em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/what-are-house-dust-mites-and-how-do-i-know-if-im-allergic-to-them-240918">original article</a>.</em></p> </div>

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"Completely out of touch" boomer slammed for housing advice

<p>An Aussie boomer has been slammed online after sharing advice for younger generations to buy a house, with her words of wisdom being labelled as "infuriating". </p> <p>The Sydney homeowner shared her matter-of-fact views when asked about her own property journey for a TikTok video by property app Coposit Street, who regularly hit the streets to ask people of all ages about their opinions on home ownership. </p> <p>The woman, who chose not to disclose her age or how much she has in savings, didn’t hold back when asked about younger Aussies, saying they “don’t make sacrifices” in order to break onto the property market. </p> <p>“When I was younger …. I never did brunches and partied and now (it’s what) they wanna do, she explained in the video, before admitting “it’s harder for them now”. </p> <p>“Things are so expensive but they can start off small. A lot of people buy places that are too big but you’ve got to make sacrifices.”</p> <p>When asked how she built her savings, she added, “I take my own lunch to work, I always have.” </p> <p>“If you want a place of your own, start small but make the sacrifices, do two jobs, work a lot. Don’t go out as much as you want to.”</p> <p>“I mean I feel sorry for the younger generation now because they’re thinking why bother because it’s too expensive, I’m just going to party and have a good time, which you can still do.”</p> <p>“When I entered (the property market) it was quite a while ago. I had a lot of difficulty because I was a single woman and I had prejudice against me so my father had to go guarantor and that was able to help,” she explained.</p> <p>“I had two jobs, I worked really hard. I was actually trying to save to go overseas and then I cancelled that and I was renting … and I thought, well, maybe if I saved a bit of money and worked hard, I could put a deposit down for myself.”</p> <p>These days, the woman acknowledged the cost of living in Sydney is “very expensive”, saying, “It’s terrible … Rents have all gone up and everyone’s willing to pay for everything so people are just thinking we’ll charge this and then everyone’s charging on top, and people aren’t getting assistance so it’s hard these days.”</p> <p>The woman's comments were met with a wave of backlash online, with many younger Australians calling her advice "infuriating". </p> <p>“We’ve turned our cars into taxis and our spare rooms into hotels to try and afford the same thing they had on a single income,” one person wrote. </p> <p>“How are people this completely out of touch?” another wrote. “Most of my mates have worked since 14/15 (years old), Not gone away internally (sic), have clacked out cars and still only scrape by. I’m 20 and I can’t even remember the last time I went clubbing.”</p> <p>“Yes not buying coffee is going to be enough to save for a house,” another sarcastically quipped.</p> <p>The woman's comments come after research conducted last year shows Gen Z and Millennials have a tougher path to buying a home than previous generations, with the latter facing mortgages 12 times their average income.</p> <p><em>Image credits: TikTok</em></p> <p style="box-sizing: inherit; 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; margin: 0px 0px 24px; padding: 0px; vertical-align: baseline;"> </p>

Money & Banking

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"You are not my King": Lidia Thorpe interrupts Charles' Parliament House visit

<p>Senator Lidia Thorpe has caused a stir in Parliament House as she launched into a tirade against King Charles during his welcome to Canberra. </p> <p>The monarch had just finished his speech and was returning to his seat after shaking hands with Prime Minister Anthony Albanese when Thorpe started yelling from the back of the room. </p> <p>“You committed genocide against our people. Give us our land back. Give us what you stole from us, our bones, our skulls, our babies, our people, you destroyed our land,” Thorpe said during her outburst on Monday.</p> <p>“We want a treaty in this country. This is not your land. You are not my King, you are not our King. F*** the colony.”</p> <blockquote class="instagram-media" style="background: #FFF; border: 0; border-radius: 3px; box-shadow: 0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width: 540px; min-width: 326px; padding: 0; width: calc(100% - 2px);" data-instgrm-permalink="https://www.instagram.com/reel/DBX9nEUoQ9r/?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/DBX9nEUoQ9r/?utm_source=ig_embed&utm_campaign=loading" target="_blank" rel="noopener">A post shared by The Daily Aus (TDA) (@thedailyaus)</a></p> </div> </blockquote> <p>Security quickly swarmed around Thorpe and escorted her from the Great Hall, where a reception for political and community leaders was being held.</p> <p>The King continued to chat with Albanese during the disruption, which lasted about one minute.</p> <p>The outburst has sparked calls for Thorpe to resign, with the Australian Monarchist League describing her behaviour as a “childish demonstration”.</p> <p>“Senator Thorpe should step down with immediate effect,” league national chair Philip Benwell said.</p> <p>“The Australian Monarchist League unequivocally condemns the ill-considered behaviour of this isolated senator."</p> <p>“Her childish demonstration has done nothing to diminish the gratitude and pride that millions of Australians have for our country, its history, its peoples and its sound system of governance. In fact, it has likely only strengthened these feelings."</p> <p>“Should she not resign, the league expects Senator Thorpe will be referred to the President of the Senate and that her misconduct will be addressed in accordance with what is the obvious and prevailing public sentiment.”</p> <p>In a statement released on Monday afternoon, Thorpe said her aim was to “hand King Charles a notice of complicity in the genocide of the First Peoples of this county”.</p> <p>“The visit by the so-called King should be an occasion of truth-telling about the true history of this country,” Thorpe said. “The colonial state has been built on the continuing genocide on First Peoples.”</p> <p>“Today I was silenced and removed from the parliamentary reception when pointing out that the Crown stole from First Peoples."</p> <p>“The British Crown committed heinous crimes against the First Peoples of this country. These crimes include war crimes, crimes against humanity and failure to prevent genocide. There has been no justice for these crimes. The Crown must be held accountable.”</p> <p>Following the statement, Thorpe was forced to apologise to her online followers for a different display of anti-royalism, as an artwork of the King being beheaded was posted to her Instagram. </p> <p>The controversial MP said that the image was uploaded “without her knowledge” and she has now “deleted it”.</p> <p>Writing on X she said, “Earlier tonight, without my knowledge, one of my staff shared an image to my Instagram stories created by another account."</p> <p>“I deleted it as soon as I saw. I would not intentionally share anything that could be seen to encourage violence against anyone. That’s not what I’m about.”</p> <p><em>Image credits: LUKAS COCH/EPA-EFE/Shutterstock Editorial </em></p>

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New $1m reward for cold case murder of three children

<p>A new $1 million reward is being offered for information about each of the murders of three First Nations children around 34 years ago. </p> <p>Four-year-old Evelyn Greenup, Clinton Speedy-Duroux, 16, and Colleen Walker-Craig, 16, disappeared from Bowraville, a town in northern NSW over a five-month period from September 1990. </p> <p>Evelyn and Clinton's remains were found in nearby bushland, but Colleen's have never been found. </p> <p>The murders were initially investigated separately before being linked by the homicide squad. </p> <p>Now, after various appeals over the decades, NSW Police have issued a re-appeal for information into the murders, with a particular focus on locating the remains of Colleen.</p> <p>“A $1 million reward for information that leads to the arrest and conviction of the person or persons responsible for each of the children’s murder remains in place, as well as for information leading to the location and recovery of Colleen’s remains,” NSW Police said on Monday.</p> <p>Detectives are also going to be spending the week in Bowraville to  speak to locals who may have information about the children's deaths. </p> <p>A man, who can't be named for legal reasons, was acquitted of Clinton's murder in 1994, and Evelyn's murder in 2006. </p> <p>The case was the subject of two police investigations, multiple trials, a coronial inquest, and a parliamentary inquiry. </p> <p>In 2018, the government tried to convince the NSW court of criminal appeal that there was fresh and compelling evidence – related to the disappearance of Colleen – in attempt to overturn the two acquittals and instead have a new single trial on three murder charges. </p> <p>However, the court refused to grant special leave to the NSW government to appeal against the decision. </p> <p>In 2019, hundreds protested in front of the gates of the Court of Appeal when a retrial was denied. </p> <p><em>Images: 7pm TV News NSW/ ABC News</em></p>

Legal

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Woman sentenced to life for murdering parents and living with their bodies

<p>A British woman, who murdered her parents and lived with their bodies for four years, was sentenced to life imprisonment on Friday and is not eligible for parole for 36 years. </p> <p>When Essex Police raided Virginia McCullough's house in Great Baddow last September, the 36-year-old confessed that her parents' bodies were in the house and that she had killed them. </p> <p>She admitted to poisoning her father, John McCullough, 70, with prescription medication that she put into his drink, and then a few days later, beat her 71-year-old mother Lois McCullough with a hammer and fatally stabbed her. </p> <p>“I did know that this would kind of come eventually,” she said while handcuffed in body cam footage released by police on Friday. </p> <p>“It’s proper that I serve my punishment.”</p> <p>After McCullough was arrested, she told an officer: “Cheer up, at least you’ve caught the bad guy,” adding that “I know I don’t seem 100 per cent evil.”</p> <p>Further body cam footage showed her at the police station telling officers where to find the tools she used to kill her mother. </p> <p>She had pleaded guilty to murdering her parents at a previous hearing in June 2019. </p> <p>In the words of the prosecution, McCullough kept her father in a “homemade mausoleum” in his bedroom and study, in a structure that was “composed with masonry blocks stacked together.”</p> <p>She wrapped her mother's body in a sleeping bag and put it in a wardrobe on the top floor of the property. </p> <p>In the four years after the murder, she ran up £149,697 ($AU289,792) on credit cards in her parents’ names and continued to spend their pensions.</p> <p>The court heard she cancelled family arrangements and told doctors and relatives that her parents were unwell or away on a trip. </p> <p>Statements from her three unnamed siblings were also read in court, and one said:  “our parents were completely blameless victims”. </p> <p>“Virginia always said Mum and Dad were fine and made up lie after lie about their daily activities," another said. </p> <p>Judge Jeremy Johnson said at the sentencing hearing on Friday that McCullough’s actions represented a “gross violation of the trust that should exist between parents and their children.”</p> <p>Judge Johnson said that she had  maintained an “elaborate, extensive and enduring web of deceit” over months and years and that he was sure there was  a “substantial degree of both pre-meditation and planning," that went into the murder. </p> <p>Essex Police said documents found in the home showed that McCullough was trying desperately” to keep her parents from discovering the poor state of her finances, and gave “false assurances” about her employment and future prospects.</p> <p>“She is an intelligent manipulator who chose to kill her parents callously, without a thought for them or those who continue to suffer as a result of their loss,” said Detective Superintendent Rob Kirby. </p> <p>"The details of this case shock and horrify even the most experienced of murder detectives, let alone any right-thinking member of the public.”</p> <p><em>Image: Essex Police/ 7NEWS</em></p> <p> </p>

Legal

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Arrest made for the alleged murder of Queensland psychologist

<p dir="ltr">Police have arrested a 47-year-old man in connection with the death of Queensland mother and psychologist Frances Crawford. </p> <p dir="ltr">The 49-year-old woman was found dead on an Upper Lockyer property in Queensland shortly before 4am on July 30th, with paramedics initially reporting the incident as a "mower rollover".</p> <p dir="ltr">Despite initial reports, police shared an update on their investigation on Friday to say they were treating her death as suspicious, alleging the woman was <a href="https://oversixty.com.au/finance/legal/police-share-major-update-on-woman-s-lawnmower-death">murdered</a>. </p> <p dir="ltr">Superintendent Marchesini said several lines of inquiry were being pursued by homicide detectives, and shared a plea to the public for information. </p> <p dir="ltr">One of the lines of inquiry being pursued involved the alleged relationship Frances' husband Robert had with “multiple women”.</p> <p dir="ltr">“We believe there were women who were involved in relationships with Mr Crawford who may have information about Mrs Crawford that will assist with this investigation,” Superintendent Marchesini said at the time.</p> <p dir="ltr">“We are particularly interested in speaking with people who knew of Frances or Robert Crawford and their personal circumstances, including their marriage.”</p> <p dir="ltr">On Thursday, police released a statement to confirm that they had arrested Frances’ husband in connection to her death, while thanking the public for valuable information. </p> <p dir="ltr">“Investigations are continuing and there is no further information at this time,” they said.</p> <p dir="ltr">“Detectives can confirm a number of people have provided information since our last public appeal, and thank those people for their bravery in coming forward.”</p> <p dir="ltr">“Anyone with information that can assist with investigations is encouraged to come forward and contact police.”</p> <p dir="ltr"><em>Image credits: 7News - Crawford Family </em></p> <p> </p>

Legal

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Nat Barr slammed for “out of touch” comments about the housing crisis

<p dir="ltr">Nat Barr has been widely slammed online for her comments on the housing crisis, with many claiming she is “stirring the pot”.</p> <p dir="ltr">On Wednesday’s <em>Sunrise</em> show, Barr was just joined by two experts to discuss Labor’s Help To Buy Bill, which would allow Australians earning under $90,000 to buy a home with just a 2 per cent deposit.</p> <p dir="ltr">While discussing the legislation, Barr said she’s worried her two sons — aged 19 and 22 — won’t be able to purchase a home after finance spokesperson Jane Hume claimed “Australians have already rejected this policy right around the country”.</p> <p dir="ltr">“I’m in the lucky position that I got to buy mine when they were cheaper years ago but I don’t know how my kids are going to buy one,” Barr said.</p> <p dir="ltr">Barr, who has hosted Sunrise since 2020, has never spoken publicly about her salary, but it has long been speculated that she earns more than $1 million per year. </p> <p dir="ltr">Viewers were quick to slam her comments on Facebook, claiming Barr will “set her kids up”.</p> <p dir="ltr">“She is the last person who should speak. she’s wealthy and will set her kids up,” one person commented, while another added, “So many young people are buying houses every day without the help of mum and dad. Nat’s just stirring the pot.”</p> <p dir="ltr">Another commenter added, “She makes enough money to buy a house for each of her sons. They’ll be just fine. Check your privilege, Nat.”</p> <p dir="ltr"><em>Image credits: Instagram / Sunrise</em></p>

TV

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Charlise Mutten's mum breaks silence

<p>Kallista Mutten, the mother of murdered schoolgirl Charlise Mutten, has broken her silence in her first ever television interview. </p> <p>Nine-year-old Charlise was brutally murdered by her mother's then fiancée Justin Stein at his family home in the Blue Mountains, Sydney in January 2022. </p> <p>In August, Stein was sentenced to life in jail without parole, after he was <a href="https://oversixty.com.au/finance/legal/jury-decides-fate-of-accused-murderer-justin-stein" target="_blank" rel="noopener">found guilty</a> of Charlise's murder, having shot the little girl twice before dumping her body in a barrel. </p> <p>Since Charlise's murder, Kallista had been harassed in public and abused by people on public transport to the extent she could no longer go outside. </p> <p>In an upcoming interview for <em>60 Minutes</em> that will air this Sunday night, Kallista broke her silence. </p> <p>"I'm not this monster, this unfit mother," she told reporter Dimity Clancey in a newly released preview. </p> <p>"Charlise deserved more."</p> <p>"I miss her so much, she believed in me," she continued through tears. </p> <p>Many have blamed her for the horrific murder that happened while Charlise was in her care. At the time, Charlise was visiting her mum and Stein in Sydney for Christmas from the Gold, where she lived with her grandparents. </p> <p>She spent the night of January 11 alone with Stein at his property in the Blue Mountains, while her mother stayed at a caravan about a 90-minute drive away. </p> <p>"I hate myself for it, I really do," Kallista said. </p> <p>The preview also showed footage of an agitated Stein pacing around the police interview room, while blaming Charlise's mum for the murder. </p> <p>"It was all her. I can't sit here and cover for her," he said. </p> <p>Kallista denied having any involvement in her daughter's death and broke down in tears during a hearing, where she read a victim's impact statement via audio video link. </p> <p>"(Charlise) just longed for you to be her dad. I just hate myself for being so wrong about you," she said at the time. </p> <p>"I am forced to live with fact I trusted someone and because of my trust I put my daughter in harm's way."</p> <p>In the <em>60 Minutes</em> preview, a police detective said that Stein "weaved a web of wicked lies and deception", with Kallista describing her former partner as "pure evil". </p> <p><em>Images: Nine</em></p>

Family & Pets

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10 rules every good house guest follows

<p>You've been invited to stay in somebody else's house. You're instantly told "make yourself at home!" But you can't really, can you? Here's the unsaid rules of being a houseguest you just can't break. </p> <p><strong>1. Not arriving on time</strong></p> <p>Always provide your itinerary to your host before you arrive. If your flight or train is delayed, give them real-time updates. Google Map your journey in advance so you know exactly how to get to their house. It's awfully inconvenient as a host to be waiting to give a guest keys, but have them arrive two hours late because of an excuse like "I got lost".</p> <p><strong>2. Turning up empty handed</strong></p> <p>You don't need to bring much, but when staying at someone's house you need to arrive with a token of appreciation. A bottle of wine, some chocolates, or a kitsch little jar of jam you made. Turning up empty handed is expected by the host, but all good houseguests know a small gift is the right way to kick things off.</p> <p><strong>3. Keeping your shoes on</strong></p> <p>Perhaps you live in a shoes-on house when you're at home, but unless told so, you should never keep them on when staying at another's. Especially if you only see your host walking around bare foot, or in socks/slippers. Houseguests bring in extra dirt, fluff, and marks – the most conscious you can be of that, the better.</p> <p><strong>4. Turning down food</strong></p> <p>When you're staying in somebody else's home, you must eat what you are served. Hosts go to a lot of effort to make you feel welcome and cooking for you is a big part of that. If you have any dietary requirements, say so before you arrive and offer to bring a bag of shopping. Your host will probably refuse, but you've laid the groundwork for happy mealtimes for the duration of your stay.</p> <p><strong>5. Not cleaning up</strong></p> <p>Picture this: you're staying with a friend, and they're at work all day while you mooch around their house. The dishwasher is full but you don't know where anything goes in the cupboards. You pile your dirties in the sink, and your friend comes home to find them. Cue instant aggression that will forever remain unspoken. Avoid being a bad guest by cleaning up when you're a houseguest – even if you put things back in the wrong place.</p> <p><strong>6. Not asking to use laundry facilities</strong></p> <p>One of the most difficult things about travelling is getting your laundry done. When a washing machine and dryer become available, it's natural to want to jump on them. But you must ask your host first. They will always say yes – everybody understands what it's like to have to wear inside-out underwear when you've had no laundry facilities for a week – but it's just polite to ask.</p> <p><strong>7. Asking your host to quiet down</strong></p> <p>When staying in somebody else's house, there's a high chance of noises you're not used to. That could mean your host watching TV at midnight when you've got to be up early, or them talking loudly on the phone at 6AM while you're asleep. But you can't say anything about it. If you are noise-sensitive, always bring quality earplugs.</p> <p><strong>8. Bringing lovers home</strong></p> <p>We get it, maybe you're in an exciting new city and the options for a little sexy time are pinging at your phone every few minutes. But you cannot, under any circumstances, invite a new lover over to somebody's house when you're staying there. Even if you have their house to yourself, it's just a breach of respect. If you want to hook up, go to their place.</p> <p><strong>9. Leaving the bed unmade</strong></p> <p>Hosts generally accept there'll be some clean-up after you're gone. But don't leave the guest bed unmade, or your dirty sheets on it. Strip them off on your final morning, and either fold them nicely, or put them in the washing machine (this is one situation where you don't need their permission to use their laundry). Remake the bed with or without clean sheets if possible.</p> <p><strong>10. Not saying thank you</strong></p> <p>It doesn't have to be a formal written letter (though that would be nice, wouldn't it). But you must thank your hosts after you leave with a note, an e-mail, or even a text. It's something so easy to forget to do once you're gone, but ensures the host feels their hospitality has been appreciated. And if you've not broken any of the other rules, you'll definitely get invited back.</p> <p><em>Image credits: Shutterstock</em></p> <p><em>Written by Lee Suckling. First appeared on <a href="http://www.stuff.co.nz/" target="_blank" rel="noopener"><strong><span style="text-decoration: underline;">Stuff.co.nz</span></strong></a>.</em></p>

Home & Garden

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New calls for Boomers to end housing crisis

<p>New research has called for Boomers to rent out their spare bedrooms in a bid to address the country's housing crisis. </p> <p>According to research from the Queensland University of Technology, there are more than 13 million spare bedrooms across the country, meaning 76 per cent of Aussie households have spare rooms. </p> <p>The report has called for older Australians to rent out their spare rooms to provide “short-term relief to both the rental and the cost of living crisis”.</p> <p>“If new housing stock is years away, then shifting the focus to existing housing may provide some short-term solutions,” the report states.</p> <p>The report also found that more than six million homes have one or two spare bedrooms, while one million homes have three or more spare bedrooms. </p> <p>They also encouraged the government to incentivise older Australians to open up their spare rooms to renters, to provide them some financial relief during the cost of living crisis. </p> <p>Currently, the Government hopes to build 1.2 million homes, but have welcomed further ideas to help relieve the cost of living crisis. </p> <p>“Meeting this ambitious target will certainly be a challenge and it won’t happen overnight, but it’s a challenge we have to meet in order to make housing more affordable," a government spokesman said.</p> <p>However, the Queensland University of Technology noted that the demand for housing is set to outstrip supply in Australia until at least 2029, based on the government's State of the Housing System report.</p> <p>“The housing crisis is a complex matter and new housing supply is years away, despite billions of dollars of government commitments,” the report states. </p> <p>“Millions of empty bedrooms exist and yet many older homeowners live in poverty rather than risk losing their pension or paying taxes by renting out a spare bedroom.”</p> <p>The report acknowledged that there may be barriers like concerns for elder abuse that may deter people from renting out their homes, "however, under the right circumstances, with appropriate support and education, such ‘house sharing’ arrangements could alleviate some of the current housing and cost of living issues."</p> <p>“There is an urgent need for further research to be undertaken to explore opportunities to incentivise, educate, support, and protect older Australians to open their homes and unlock existing housing stock for immediate use by those in need.”</p> <p>These findings follow PropTrack’s latest Housing Affordability Report that stated housing affordability in Australia has deteriorated to its “worst level on record” amid high mortgage rates and increasing home prices.</p> <p><em>Image: Shutterstock</em></p>

Travel Trouble

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Thief gambles away $64k raised for alleged murder victim's family

<p>A gambling addict has been sentenced to 400 hours unpaid community service after admitting to stealing $64,000 from a GoFundMe page intended for a grieving family. </p> <p>Lachlan Morganti, 26, was sentenced on Tuesday after pleading guilty to a single charge of theft, as magistrate Michelle Mykytowycz sentenced him to a two-year community corrections order and 400 hours of unpaid work.</p> <p>The court was told that Morganti set up the fundraising page on behalf of the family of allegedly murdered woman Hannah McGuire, who <a href="https://oversixty.com.au/finance/legal/you-were-our-whole-damn-sky-tributes-flow-after-alleged-murder-of-young-teacher" target="_blank" rel="noopener">died</a> on April 5th this year.</p> <p>He had become acquainted with the family, who managed The National Hotel in Clunes, through their support of the Clunes Cricket Club where he played. </p> <p>“Hannah was known by many as a bright young woman and had a heart of gold,” the fundraiser read.</p> <p>“All proceeds will go towards funeral costs and other expenses the family may need during this tough time.”</p> <p>In just a few days, the GoFundMe page raised more than $64,000 in generous donations from the community. </p> <p>The funds dropped in Morganti’s bank account on April 24th, but he almost immediately began to gamble with it, losing the full amount in four to five days.</p> <p>After his arrest, Morganti told police he had an “uncontrollable” gambling addiction and internally justified it by believing he would only use a small portion to fix his mounting gambling debts.</p> <p>“I accept the act of creating the GoFundMe was meant as an altruistic act, that it was intended as a selfless act to benefit the grieving McGuire family,” Ms Mykytowycz said. </p> <p>“However, the temptation to use this money to recover previous debts became overwhelming and self-indulgent.”</p> <p>In a statement to the court, Hannah's mother Debbie McGuire said it was important to note no one from their family had asked for support or for Morganti to start the GoFundMe, adding that Morganti had the “audacity” to attend Hannah’s funeral among many of those whose contributions he had stolen.</p> <p>“Not only did the accused violate our trust, but he had a complete disregard of the trust and generosity of an entire community,” she said.</p> <p><em>Image credits: GoFundMe / news.com.au</em></p>

Legal

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Is it worth selling my house if I’m going into aged care?

<div class="theconversation-article-body"><em><a href="https://theconversation.com/profiles/colin-zhang-1234147">Colin Zhang</a>, <a href="https://theconversation.com/institutions/macquarie-university-1174">Macquarie University</a></em></p> <p>For senior Australians who cannot live independently at home, residential aged care can provide accommodation, personal care and general health care.</p> <p>People usually think this is expensive. And many assume they need to sell their home to pay for a lump-sum deposit.</p> <p>But that’s not necessarily the case. Here’s what you need to consider.</p> <h2>You may get some financial support</h2> <p>Fees for residential aged care are complex and can be confusing. Some are for your daily care, some are means-tested, some are for your accommodation and some pay for extras, such as cable TV.</p> <p>But it’s easier to think of these fees as falling into two categories:</p> <ul> <li> <p>an “entry deposit”, which is usually more than <a href="https://www.health.gov.au/sites/default/files/documents/2020/06/eighth-report-on-the-funding-and-financing-of-the-aged-care-industry-july-2020-eighth-report-on-the-funding-and-financing-of-the-aged-care-industry-may-2020.pdf">$A300,000</a>, and is refunded when you leave aged care</p> </li> <li> <p>daily “<a href="https://www.myagedcare.gov.au/aged-care-home-costs-and-fees">ongoing fees</a>”, which are $52.71-$300 a day, or more. These cover the basic daily fee, which everyone pays, and the means-tested care fee.</p> </li> </ul> <p>To find out how much government support you’ll receive for both these categories, you will have a “<a href="https://www.myagedcare.gov.au/income-and-means-assessments/#aged-care-home">means test</a>” to assess your income and assets. This means test is similar (but different) to the means test for the aged pension.</p> <p>Generally speaking, the lower your aged-care means test amount, the more government support you’ll receive for aged care.</p> <p>With full support, you don’t need to pay an “entry deposit”. But you still need to pay the basic daily fee (currently, <a href="https://www.myagedcare.gov.au/aged-care-home-costs-and-fees">$52.71</a> a day), equivalent to 85% of your aged pension. If you get partial support, you pay less for your “entry deposit” and ongoing fees.</p> <h2>You don’t need a lump sum</h2> <p>You don’t have to pay for your “entry deposit” as a lump sum. You can choose to pay a rental-style daily cost instead.</p> <p>This is calculated as follows: you multiply the amount of the required “entry deposit” by the maximum permissible interest rate. This rate is set by government and is currently at <a href="https://www.health.gov.au/sites/default/files/documents/2021/03/schedule-of-fees-and-charges-for-residential-and-home-care-schedule-from-20-march-2021_0.pdf">4.01%</a> per year for new residents. Then you divide that sum by 365 to give a daily rate. This option is like borrowing money to pay for your “entry deposit” via an interest-only loan.</p> <p>You can also pay for your “entry deposit” with a combination of a lump sum and a daily rental cost.</p> <p>As it’s not compulsory to pay a lump sum for your “entry deposit”, you have different options for dealing with your family home.</p> <h2>Option 1: keep your house and rent it out</h2> <p>This allows you to use the rental-style daily cost to finance your “entry deposit”.</p> <p><strong>Pros</strong></p> <ul> <li> <p>you could have more income from rent. This can help pay for the rental-style daily cost and “ongoing fees” of aged care</p> </li> <li> <p>you might have a special sentimental attachment to your family house. So keeping it might be a less confronting option</p> </li> <li> <p>keeping an expensive family house will not heavily impact your residential aged care cost. That’s because any value of your family house above <a href="https://www.health.gov.au/sites/default/files/documents/2021/03/schedule-of-fees-and-charges-for-residential-and-home-care-schedule-from-20-march-2021_0.pdf">$173,075.20</a> will be excluded from your <a href="https://www.servicesaustralia.gov.au/organisations/health-professionals/services/aged-care-entry-requirements-providers/residential-care/residential-aged-care-means-assessment">means test</a></p> </li> <li> <p>you can still access the capital gains of your house, as house prices rise.</p> </li> </ul> <p><strong>Cons</strong></p> <ul> <li> <p>your rental income needs to be included in the means test for your aged pension. So you might get less aged pension</p> </li> <li> <p>you might need to pay income tax on the rental income</p> </li> <li> <p>compared to the lump sum payment, choosing the rental-style daily cost means you will end up <a href="https://www.smh.com.au/money/super-and-retirement/seek-help-when-weighing-up-how-to-pay-for-your-aged-care-20191202-p53g16.html">paying more</a></p> </li> <li> <p>you are subject to a changing rental market.</p> </li> </ul> <h2>Option 2: keep your house and rent it out, with a twist</h2> <p>If you have some savings, you can use a combination of a lump sum and daily rental cost to pay for your “entry deposit”.</p> <p><strong>Pros</strong></p> <ul> <li> <p>like option 1, you can keep your house and have a steady income</p> </li> <li> <p>the amount of lump sum deposit will not be counted as an asset in the pension means test.</p> </li> </ul> <p><strong>Cons</strong></p> <ul> <li> <p>like option 1, you could have less pension income, higher age-care costs and need to pay more income tax</p> </li> <li> <p>you have less liquid assets (assets you could quickly sell or access), which could be handy in an emergency.</p> </li> </ul> <h2>Option 3: sell your house</h2> <p>If you sell your house, you can use all or part of the proceeds to pay for your “entry deposit”.</p> <p><strong>Pros</strong></p> <ul> <li> <p>if you have any money left over after selling your house and paying for your “entry deposit”, you can invest the rest</p> </li> <li> <p>as your “entry deposit” is exempt from your aged pension means test, it means more pension income.</p> </li> </ul> <p><strong>Cons</strong></p> <ul> <li>if you have money left over after selling your house, this will be included in the aged-care means test. So you can end up with less financial support for aged care.</li> </ul> <h2>In a nutshell</h2> <p>Keeping your house and renting it out (option 1 or 2) can give you a better income stream, which you can use to cover other living costs. And if you’re not concerned about having access to liquid assets in an emergency, option 2 can be better for you than option 1.</p> <p>But selling your house (option 3) avoids you being exposed to a changing rental market, particularly if the economy is going into recession. It also gives you more capital, and you don’t need to pay a rental-style daily cost.</p> <hr /> <p><em>This article is general in nature, and should not be considered financial advice. For advice tailored to your individual situation and your personal finances, please see a qualified financial planner.</em></p> <p><em>Correction: this article previously stated the amount of lump sum deposit will not be counted as an asset in the aged-care means test, as a pro of option 2. In fact, the amount of lump sum deposit will not be counted as an asset in the pension means test.</em><!-- Below is The Conversation's page counter tag. Please DO NOT REMOVE. --><img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/161674/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /><!-- End of code. If you don't see any code above, please get new code from the Advanced tab after you click the republish button. The page counter does not collect any personal data. More info: https://theconversation.com/republishing-guidelines --></p> <p><a href="https://theconversation.com/profiles/colin-zhang-1234147"><em>Colin Zhang</em></a><em>, Lecturer, Department of Actuarial Studies and Business Analytics, <a href="https://theconversation.com/institutions/macquarie-university-1174">Macquarie University</a></em></p> <p><em>Image credits: Shutterstock </em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/is-it-worth-selling-my-house-if-im-going-into-aged-care-161674">original article</a>.</em></p> </div>

Retirement Income

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Advertising a house is ridiculously expensive in Australia – could that be affecting the property market?

<div class="theconversation-article-body"><em><a href="https://theconversation.com/profiles/james-graham-1264059">James Graham</a>, <a href="https://theconversation.com/institutions/university-of-sydney-841">University of Sydney</a></em></p> <p>Australia has long been one of the <a href="https://www.forbes.com.au/news/investing/sydney-melbourne-adelaide-are-top-10-least-affordable-cities-for-housing/#:%7E:text=Demographia's%20annual%20report%20assesses%20housing,second%20place%2C%20and%20Vancouver%20third.">most expensive</a> places in the world to buy a house. Now, it’s apparently also one of the costliest places to sell one.</p> <p>Recent <a href="https://www.theguardian.com/australia-news/2024/sep/16/the-symbiotic-relationship-that-makes-selling-a-house-in-australia-so-damn-expensive">reporting</a> in the Guardian has raised concerns about the market dominance of Australia’s two main real estate advertising websites, realestate.com.au and Domain.</p> <p>Facing little competition, the largest – realestate.com.au – appears to have <a href="https://www.theguardian.com/australia-news/2024/sep/16/the-symbiotic-relationship-that-makes-selling-a-house-in-australia-so-damn-expensive">significantly increased its fees</a> in recent years, while thwarting disruptive innovations from smaller competitors.</p> <p>Why does that matter? Because when it comes to selling a house, Australia <a href="https://www.theguardian.com/australia-news/2024/sep/16/real-estate-website-fees-australia">stands out</a> globally. In most other countries, any advertising costs are tiny or bundled in with agent fees.</p> <p>Here, along with only <a href="https://www.theguardian.com/australia-news/2024/sep/16/the-symbiotic-relationship-that-makes-selling-a-house-in-australia-so-damn-expensive">Sweden and New Zealand</a>, home sellers pay their own advertising costs in addition to real estate agent fees and commissions.</p> <p>This advertising can be expensive – up to several thousand dollars for a single property listing. But it also seems necessary, with a lack of alternative platforms offering comparable reach.</p> <p>Setting aside the problems of monopolistic pricing behaviour, what are the economics of high and rising real estate advertising fees? Do home sellers get value for the money they spend on advertising? And what might be the impacts of these fees on the Australian housing market?</p> <h2>Is advertising on big platforms worth it?</h2> <p>First, it’s worth asking whether real estate advertising is actually effective and whether bigger platforms are better.</p> <p>To explore these questions, a group of US-based economists <a href="https://www.aeaweb.org/articles?id=10.1257/aer.99.5.1878">studied</a> the outcomes of advertising on a large platform favoured by real estate agents in the United States called the “multiple listing service”, compared with a smaller for-sale-by-owner platform.</p> <p>The study found no differences in eventual home sales prices between the two platforms. But properties on the multiple listing service were more likely to sell and spent less time on the market.</p> <p>However, the size of the advertising platform didn’t explain these benefits. Rather, the different platforms appealed to buyers and sellers with varying patience levels. This variation in willingness to “wait-and-see” affected the time it took to sell.</p> <p>Translated to the Australian context, that raises questions about the value for money of advertising on a larger platform – which here, unlike the US, attracts significant fees.</p> <h2>Housing markets are ‘search markets’</h2> <p>Next, we need to consider how high costs of advertising property might affect the housing market more broadly.</p> <p>Housing markets fall into a category called “search markets” within economics. Sellers seek buyers, and buyers seek sellers offering up properties that meet their required criteria.</p> <p>The economics of search markets have been extensively studied by the likes of <a href="https://www.nobelprize.org/prizes/economic-sciences/2010/summary/">Nobel laureates</a> Peter Diamond, Dale Mortensen and Christopher Pissarides. Their insights highlight the key factors that determine search market outcomes.</p> <p>Sellers consider the costs of listing an item for sale (such as advertising) and the time it takes to find a buyer. Buyers, on the other hand, consider their alternatives to buying (such as renting) and the time it might take to find a suitable seller.</p> <p>The likelihood of a sale – and how long everything will take – depends on the number of potential buyers relative to sellers. The sales price is then negotiated after meetings between the two.</p> <p>This gives us a framework to speculate about how Australia’s high – and increasing – costs of advertising real estate could be affecting the broader housing market on both sides of this equation.</p> <h2>Costs can affect both supply and demand</h2> <p>On the supply side, high fees reduce the net financial benefit of selling a home, which could discourage homeowners from listing their properties. All else being equal, this could lead to fewer properties on the market, shorter selling times, and higher prices for the properties that are listed.</p> <p>But we can predict some effects on the demand side, too.</p> <p>High fees also reduce the net benefit of buying a home, as current buyers expect to be sellers in the future. These costs are likely to be even more pronounced for property investors, who buy and sell property more frequently than homeowners.</p> <p>Anticipation that selling costs will be high in the future could suppress the demand for housing, reducing prices and increasing the time it takes to sell a property.</p> <p>Interestingly, <a href="https://www.nber.org/papers/w32855">recent research</a> from the US suggests that these demand-side effects might outweigh the supply-side effects.</p> <p>Economists studied the impact of a series of court decisions that forced the National Association of Realtors to reduce real estate agent fees. They found lower fees increase the lifetime benefits of homeownership, which leads to a significant increase in house prices.</p> <p>Significantly, that suggests lowering the costs of selling property – including advertising – could increase property values.</p> <h2>Just one part of the housing story</h2> <p>High prices in any area of economic life are likely to rankle our sense of a fair deal. High fees for advertising real estate have an obvious immediate impact on a home seller’s wallet.</p> <p>But the nuanced flow-on effects to the broader housing market are harder to tease out. They are also likely to vary across different property markets within Australia. Commentators and policy makers should think carefully before leaping into action in this area.</p> <p>In the meantime, advertising fees are one more thing to keep an eye on as Australian housing costs continue to rise.<!-- Below is The Conversation's page counter tag. Please DO NOT REMOVE. --><img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/239111/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /><!-- End of code. If you don't see any code above, please get new code from the Advanced tab after you click the republish button. The page counter does not collect any personal data. More info: https://theconversation.com/republishing-guidelines --></p> <p><em><a href="https://theconversation.com/profiles/james-graham-1264059">James Graham</a>, Senior Lecturer in Economics, <a href="https://theconversation.com/institutions/university-of-sydney-841">University of Sydney</a></em></p> <p><em>Image credits: Shutterstock </em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/advertising-a-house-is-ridiculously-expensive-in-australia-could-that-be-affecting-the-property-market-239111">original article</a>.</em></p> </div>

Money & Banking

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How fear of missing out can lead to you paying more when buying a home

<div class="theconversation-article-body"><em><a href="https://theconversation.com/profiles/park-thaichon-175182">Park Thaichon</a>, <a href="https://theconversation.com/institutions/university-of-southern-queensland-1069">University of Southern Queensland</a></em></p> <p>The property market is a competitive space where finding a nice home, in the area you want, at a price you can afford is a hard ask.</p> <p>With buyers outnumbering available properties, the pressure is even greater causing some would-be buyers to develop <a href="https://health.clevelandclinic.org/understanding-fomo">a fear of missing out</a> (FOMO) and to make irrational decisions.</p> <p>FOMO might make you worry others are finding nicer homes and getting better deals, or that prices will rise to the point where you are priced out of the market altogether. This could cause you to pay too much or to buy a property in an area unsuitable for your needs.</p> <p>Then there is <a href="https://www.psychologytoday.com/au/blog/counseling-keys/202103/overcoming-fear-of-making-mistakes">fear of making a mistake</a> (FOMM), which can also cause problems if you’re a home hunter. You might be reluctant to bid or to negotiate because you are afraid of choosing the wrong property or paying more than it’s worth.</p> <h2>Problems caused by FOMO and FOMM</h2> <p>The principles of contagion theory, crowd psychology and the scarcity principle we identified in <a href="https://onlinelibrary.wiley.com/doi/epdf/10.1111/ijcs.12649?casa_token=271MN72XdP8AAAAA%3AfhYF_2yUJtM7KGv5jvFdXn5UsXQLkMcIM_F6hffYa30QaSdRivjf2mhFX-cr5C7ttCuLl1-e2OFYXBA">our research</a> on panic-buying during the pandemic, can be applied to any purchasing decisions. In this instance we applied them to buying properties in a competitive housing market.</p> <p><a href="https://www.communicationtheory.org/contagion-theory/">Contagion theory</a> applies when people act irrationally under the influence of a crowd. <a href="https://www.bestvalueschools.com/faq/what-is-crowd-psychology/">Crowd psychology</a> is similar but relates to how a crowd behaves in certain circumstances, while <a href="https://www.indeed.com/career-advice/career-development/scarcity-principle">scarcity principle</a> is the idea if there are fewer items available, their value increases.</p> <p>Each of these can increase the likelihood of several behaviours when purchasing a property. These include:</p> <ul> <li><strong>Underbidding and overbidding</strong></li> </ul> <p>Fearing other buyers might get the house, house hunters might get caught up in a bidding war and end up paying more than planned.</p> <p>Conversely, buyers with FOMM might fear spending too much so bid too low to start with and risk losing the house.</p> <ul> <li><strong>Following the crowd and peer pressure influence</strong></li> </ul> <p>Buyers might feel <a href="https://link.springer.com/article/10.1007/s11403-021-00324-7">pressured to buy</a> in a certain area because it’s popular, even if it is not best fit for them. This can lead to paying more for a house just because others are doing the same.</p> <ul> <li><strong>Delaying decisions</strong></li> </ul> <p>FOMM can lead to <a href="https://onlinelibrary.wiley.com/doi/abs/10.1111/ijcs.12990?casa_token=ZhJnLBOwVxUAAAAA%3AW5haHZKSA1rFQsRNdvw0liOoyvdxl0OrFR2phkhGfYC6TnWRv9EsnV-N8w52CmcnAVb8X2yU1obpIjKx">taking too long to decide</a>. This delay can mean missing out on good deals or being forced to rush into a decision and end up overpaying.</p> <ul> <li><strong>Avoiding negotiation</strong></li> </ul> <p>Some buyers might avoid negotiating the price or special conditions such as building and pest inspections and finance approval because they fear the seller will reject their offer. This can result in paying more than they need to if there are problems later.</p> <ul> <li><strong>Excessive inspections and appraisals</strong></li> </ul> <p>While inspections and appraisals are important, too many can suggest indecisiveness driven by fear, resulting in wasted money on unnecessary assessments, and more importantly, wasted time and delayed decisions.</p> <h2>Removing fear from the buying process</h2> <p>Start with thorough research and preparation by learning about different neighbourhoods and house prices. The history of properties and suburbs can be found for free on property websites and is a good place to start.</p> <p>Seek professional guidance from real estate agents or financial advisers to help you through the process.</p> <p>Get insights on market trends from an agent from a selling company or bank to help find homes that meet your criteria. Keep in mind these agents will get some form of incentive from your purchase.</p> <p>All the big banks or loan officers can provide free property reports on specific properties or suburbs.</p> <p>Don’t forget to check council mapping and water authority documents to check for potential future road projects and other developments and for an area’s flood rating.</p> <p>Perform due diligence by thoroughly inspecting properties and reviewing contracts to ensure they meet your needs and are a good investment.</p> <p>For example, it is a good idea to hire a home inspector to check for any hidden issues before making an offer.</p> <p>Another common mistake made by most buyers is not asking their <a href="https://www.qld.gov.au/law/housing-and-neighbours/buying-and-selling-a-property/buying-a-home/before-you-start-looking/appointing-a-solicitor">solicitor</a> to check and give suggestions before signing a contract or offer.</p> <p>A solicitor can check the sale contract before you sign, review the disclosure documents, give advice on your mortgage contract, carry out title searches and explain the results and explain how the purchase may affect your liability for land tax.</p> <p>Do some contingency planning by preparing for unexpected price increases and for the presence of other strong bidders to reduce anxiety about making the wrong decision. Setting aside extra funds could help deal with higher than expected prices or unexpected repairs that need doing.</p> <p>In the end, plan well and make decisions without letting emotions take over. Taking your time to find the right home that fits your budget and goals, rather than rushing into a purchase due to fear of missing out or making a mistake.<!-- Below is The Conversation's page counter tag. Please DO NOT REMOVE. --><img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/233197/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /><!-- End of code. If you don't see any code above, please get new code from the Advanced tab after you click the republish button. The page counter does not collect any personal data. More info: https://theconversation.com/republishing-guidelines --></p> <p><em><a href="https://theconversation.com/profiles/park-thaichon-175182">Park Thaichon</a>, Associate Professor of Marketing, <a href="https://theconversation.com/institutions/university-of-southern-queensland-1069">University of Southern Queensland</a></em></p> <p><em>Image credits: Shutterstock </em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/how-fear-of-missing-out-can-lead-to-you-paying-more-when-buying-a-home-233197">original article</a>.</em></p> </div>

Money & Banking

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99-year-old woman declared accessory to over 10,000 murders

<p>A court in Germany has upheld the conviction of a 99-year-old woman who, during the Second World War, was the secretary to the SS commander at a Nazi concentration camp. </p> <p>The Federal Justice Court on Tuesday rejected the appeal of Irmgard Furchner, who was convicted of being an accessory to more than 10,000 murders and was given a two-year suspended sentence in December 2022. </p> <p>Furchner was accused of being a key part of the apparatus that helped the camp near Danzig, now the Polish city of Gdansk, function, and was subsequently convicted of being an accessory to murder in 10,505 cases and an accessory to attempted murder in five cases.</p> <p>At a federal court hearing in Leipzig in July, Furchner's lawyers cast doubt on whether she really was an accessory to crimes committed by the commander and other senior camp officials between 1943 and 1945, and on whether she had truly been aware of what was going on at Stutthof.</p> <p>The court said that judges were convinced that Furchner “knew and, through her work as a stenographer in the commandant’s office of the Stutthof concentration camp from June 1st 1943, to April 1st 1945, deliberately supported the fact that 10,505 prisoners were cruelly killed by gassings, by hostile conditions in the camp,” by transportation to the Auschwitz death camp and by being sent on death marches at the end of the war.</p> <p>Germany's main Jewish leader welcomed the ruling. “For Holocaust survivors, it is enormously important for a late form of justice to be attempted,” Josef Schuster, the head of the Central Council of Jews, said in statement.</p> <p>“The legal system sent an important message today: even nearly 80 years after the Holocaust, no line can be drawn under Nazi crimes,” he added.</p> <p>During the original court proceedings, prosecutors said that Furchner’s trial may be the last of its kind, however, a special federal prosecutors’ office in Ludwigsburg tasked with investigating Nazi-era war crimes says three more cases are pending with prosecutors or courts in various parts of Germany.</p> <p>With any suspects now at a very advanced age, questions increasingly arise over suspects’ fitness to stand trial.</p> <p><em>Image credits: Sky News</em></p>

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