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What are heart rate zones, and how can you incorporate them into your exercise routine?

<div class="theconversation-article-body"><a href="https://theconversation.com/profiles/hunter-bennett-1053061">Hunter Bennett</a>, <a href="https://theconversation.com/institutions/university-of-south-australia-1180">University of South Australia</a> If you spend a lot of time exploring fitness content online, you might have come across the concept of heart rate zones. Heart rate zone training has become more popular in recent years partly because of the boom in wearable technology which, among other functions, allows people to easily track their heart rates. <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC6537749/">Heart rate zones</a> reflect different levels of intensity during aerobic exercise. They’re most often based on a percentage of your maximum heart rate, which is the highest number of beats your heart can achieve per minute. But what are the different heart rate zones, and how can you use these zones to optimise your workout? <h2>The three-zone model</h2> While there are several models used to describe heart rate zones, the most common model in the scientific literature is the <a href="https://journals.humankinetics.com/view/journals/ijspp/9/1/article-p100.xml">three-zone model</a>, where the zones may be categorised as follows: <ul> <li> zone 1: 55%–82% of maximum heart rate </li> <li> zone 2: 82%–87% of maximum heart rate </li> <li> zone 3: 87%–97% of maximum heart rate. </li> </ul> If you’re not sure what your maximum heart rate is, it can be calculated using <a href="https://www.jacc.org/doi/full/10.1016/S0735-1097%2800%2901054-8">this equation</a>: 208 – (0.7 × age in years). For example, I’m 32 years old. 208 – (0.7 x 32) = 185.6, so my predicted maximum heart rate is around 186 beats per minute. There are also other models used to describe heart rate zones, such as the <a href="https://journals.humankinetics.com/view/journals/ijspp/14/8/article-p1151.xml">five-zone model</a> (as its name implies, this one has five distinct zones). These <a href="https://journals.humankinetics.com/view/journals/ijspp/9/1/article-p100.xml">models</a> largely describe the same thing and can mostly be used interchangeably. <h2>What do the different zones involve?</h2> The three zones are based around a person’s <a href="https://link.springer.com/article/10.2165/00007256-200939060-00003">lactate threshold</a>, which describes the point at which exercise intensity moves from being predominantly aerobic, to predominantly anaerobic. Aerobic exercise <a href="https://www.healthline.com/health/fitness-exercise/difference-between-aerobic-and-anaerobic">uses oxygen</a> to help our muscles keep going, ensuring we can continue for a long time without fatiguing. Anaerobic exercise, however, uses stored energy to fuel exercise. Anaerobic exercise also accrues metabolic byproducts (such as lactate) that increase fatigue, meaning we can only produce energy anaerobically for a short time. On average your lactate threshold tends to sit around <a href="https://www.tandfonline.com/doi/full/10.2147/OAJSM.S141657">85% of your maximum heart rate</a>, although this varies from person to person, and can be <a href="https://journals.physiology.org/doi/full/10.1152/japplphysiol.00043.2013">higher in athletes</a>. In the three-zone model, each zone loosely describes <a href="https://www.frontiersin.org/journals/physiology/articles/10.3389/fphys.2015.00295/full">one of three types of training</a>. Zone 1 represents high-volume, low-intensity exercise, usually performed for long periods and at an easy pace, well below lactate threshold. Examples include jogging or cycling at a gentle pace. Zone 2 is threshold training, also known as tempo training, a moderate intensity training method performed for moderate durations, at (or around) lactate threshold. This could be running, rowing or cycling at a speed where it’s difficult to speak full sentences. Zone 3 mostly describes methods of high-intensity interval training, which are performed for shorter durations and at intensities above lactate threshold. For example, any circuit style workout that has you exercising hard for 30 seconds then resting for 30 seconds would be zone 3. <h2>Striking a balance</h2> To maximise endurance performance, you need to strike a balance between doing enough training to elicit positive changes, while avoiding over-training, injury and burnout. While zone 3 is thought to produce the largest improvements in <a href="https://www.sciencedirect.com/science/article/pii/S1440244018309198">maximal oxygen uptake</a> – one of the best predictors of endurance performance and overall health – it’s also the most tiring. This means you can only perform so much of it before it becomes too much. Training in different heart rate zones improves <a href="https://citeseerx.ist.psu.edu/document?repid=rep1&type=pdf&doi=38c07018c0636422d9d5a77316216efb3c10164f">slightly different physiological qualities</a>, and so by spending time in each zone, you ensure a <a href="https://link.springer.com/article/10.1007/bf00426304">variety of benefits</a> for performance and health. <h2>So how much time should you spend in each zone?</h2> Most <a href="https://www.frontiersin.org/articles/10.3389/fspor.2023.1258585/full">elite endurance athletes</a>, including runners, rowers, and even cross-country skiers, tend to spend most of their training (around 80%) in zone 1, with the rest split between zones 2 and 3. Because elite endurance athletes train a lot, most of it needs to be in zone 1, otherwise they risk injury and burnout. For example, some runners accumulate <a href="https://journals.humankinetics.com/view/journals/ijsnem/22/5/article-p392.xml?content=pdf">more than 250 kilometres per week</a>, which would be impossible to recover from if it was all performed in zone 2 or 3. Of course, most people are not professional athletes. The <a href="https://www.who.int/news-room/fact-sheets/detail/physical-activity">World Health Organization</a> recommends adults aim for 150–300 minutes of moderate intensity exercise per week, or 75–150 minutes of vigorous exercise per week. If you look at this in the context of heart rate zones, you could consider zone 1 training as moderate intensity, and zones 2 and 3 as vigorous. Then, you can use heart rate zones to make sure you’re exercising to meet these guidelines. <h2>What if I don’t have a heart rate monitor?</h2> If you don’t have access to a heart rate tracker, that doesn’t mean you can’t use heart rate zones to guide your training. The three heart rate zones discussed in this article can also be prescribed based on feel using a simple <a href="https://onlinelibrary.wiley.com/doi/10.1111/j.1600-0838.2004.00418.x">10-point scale</a>, where 0 indicates no effort, and 10 indicates the maximum amount of effort you can produce. With this system, zone 1 aligns with a 4 or less out of 10, zone 2 with 4.5 to 6.5 out of 10, and zone 3 as a 7 or higher out of 10. Heart rate zones are not a perfect measure of exercise intensity, but can be a useful tool. And if you don’t want to worry about heart rate zones at all, that’s also fine. The most important thing is to simply get moving.<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/228520/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/hunter-bennett-1053061">Hunter Bennett</a>, Lecturer in Exercise Science, <a href="https://theconversation.com/institutions/university-of-south-australia-1180">University of South 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/what-are-heart-rate-zones-and-how-can-you-incorporate-them-into-your-exercise-routine-228520">original article</a>. </div>

Body

Our housing system is broken and the poorest Australians are being hardest hit

<div class="theconversation-article-body"> <a href="https://theconversation.com/profiles/rachel-ong-viforj-113482">Rachel Ong ViforJ</a>, <a href="https://theconversation.com/institutions/curtin-university-873">Curtin University</a> Just when we think the price of rentals could not get any worse, this week’s <a href="https://www.anglicare.asn.au/publications/2023-rental-affordability-snapshot/">Rental Affordability Snapshot</a> by Anglicare has revealed low-income Australians are facing a housing crisis like never before. In fact, if you rely on the <a href="https://www.servicesaustralia.gov.au/youth-allowance">Youth Allowance</a>, there is not a single rental property across Australia you can afford this week. <h2>How did rental affordability get this bad?</h2> Several post-COVID factors have been blamed, including our preference for <a href="https://www.rba.gov.au/publications/bulletin/2023/jun/new-insights-into-the-rental-market.html">more space, the return of international migrants</a>, and <a href="https://www.corelogic.com.au/news-research/news/2023/could-the-peak-in-interest-rates-signal-an-end-to-rising-rents">rising interest rates</a>. However, the rental affordability crisis pre-dates COVID. Affordability has been steadily declining for decades, as successive governments have failed to make shelter more affordable for low-to-moderate income Australians. <h2>The market is getting squeezed at both ends</h2> At the lower end of the rental sector, the growth in the supply of social housing persistently lags behind demand, trending at under <a href="https://povertyandinequality.acoss.org.au/data/annual-growth-rates-social-housing-stock-and-population-2011-2020/">one-third</a> the rate of population growth. <hr /> <iframe id="OA0cS" class="tc-infographic-datawrapper" style="border: none;" src="https://datawrapper.dwcdn.net/OA0cS/" width="100%" height="400px" frameborder="0"></iframe> <hr /> This has forced growing numbers of low-income Australians to seek shelter in the private rental sector, where they face intense competition from higher-income renters. At the upper end, more and more aspiring home buyers are getting <a href="https://www.tandfonline.com/doi/full/10.1080/03085147.2021.2003086">locked out</a> of home ownership. A recent <a href="https://www.ahuri.edu.au/sites/default/files/documents/2024-02/AHURI-Final-Report-416-Affordable-private-rental-supply-and-demand-short-term-disruption.pdf">study</a> found more households with higher incomes are now renting. Households earning <a href="https://www.ahuri.edu.au/sites/default/files/documents/2024-02/AHURI-Final-Report-416-Affordable-private-rental-supply-and-demand-short-term-disruption.pdf">$140,000</a> a year or more (in 2021 dollars) accounted for just 8% of private renters in 1996. By 2021, this tripled to 24%. No doubt, this crowds out lower-income households who are now facing a shortage of affordable homes to rent. <h2>Why current policies are not working</h2> Worsening affordability in the private rental sector highlights a housing system that is broken. Current policies just aren’t working. While current policies focus on supply, more work is needed including fixing <a href="https://theconversation.com/governments-are-pouring-money-into-housing-but-materials-land-and-labour-are-still-in-short-supply-205471">labour shortages</a> and providing greater <a href="https://theconversation.com/people-want-and-need-more-housing-choice-its-about-time-governments-stood-up-to-deliver-it-122390">stock diversity</a>. The planning system plays a critical role and <a href="https://theconversation.com/confusing-and-not-delivering-enough-developers-and-councils-want-new-affordable-housing-rules-139762">zoning rules</a> can be reformed to support the supply of more affordable options. However, the housing affordability challenge is not solely a supply problem. There is also a need to respond to the <a href="https://theconversation.com/home-prices-are-climbing-alright-but-not-for-the-reason-you-might-think-158776">super-charged demand</a> in the property market. An overheated market will undoubtedly place intense pressure on the rental sector because aspiring first home buyers are forced to rent for longer, as house prices soar at a rate unmatched by their wages. Yet, governments continue to resist calls for winding back the <a href="https://www.abc.net.au/news/2024-02-15/ken-henry-australias-tax-system-in-worse-position-after-15-years/103465044">generous tax concessions</a> enjoyed by multi-property owners. The main help available to low-income private renters - the Commonwealth Rent Assistance scheme - is <a href="https://theconversation.com/1-billion-per-year-or-less-could-halve-rental-housing-stress-146397">poorly targeted</a> with nearly one in five low-income renters who are in rental stress deemed ineligible, while another one in four receive it despite not being in rental stress. <h2>Can affordable housing occur naturally?</h2> Some commentators support the theory of <a href="https://www.ahuri.edu.au/sites/default/files/documents/2022-09/Executive-Summary-FR387-Filtering-as-a-source-of-low-income-housing-in-Australia-conceptualisation-and-testing.pdf">filtering</a> - a market-based process by which the supply of new dwellings in more expensive segments creates additional supply of dwellings for low-income households as high-income earners vacate their former dwellings. Proponents of filtering argue building more housing anywhere - even in wealthier ends of the property market - will eventually improve affordability across the board because lower priced housing will trickle down to the poorest households. However, the persistent affordability crisis low-income households face and the rise in homelessness are crucial signs filtering <a href="https://cloud.3dissue.com/122325/122578/143598/WhyNewSupplyisnotExpandingHousingOptionsfortheHomeless/html5/index.html?page=1&noflash">does not work well</a> and <a href="https://www.ahuri.edu.au/sites/default/files/documents/2022-09/AHURI-Final-Report-387-Filtering-as-a-source-of-low-income-housing-in-Australia-conceptualisation-and-testing.pdf">cannot be relied upon</a> to produce lower cost housing. <h2>Location, location, location</h2> Location does matter, if we expect building new housing to work for low-income individuals. What is needed is a steady increase of affordable, quality housing in areas offering low-income renters the same access to jobs and amenities as higher-income households. The <a href="https://treasury.gov.au/housing-policy/accord#:%7E:text=The%20Accord%20includes%20an%20initial,5%20years%20from%20mid%E2%80%912024.">National Housing Accord</a> aims to deliver 1.2 million new dwellings over five years from mid-2024. But it must ensure these are “well-located” for people who need affordable housing, as suggested in the accord. Recent <a href="https://www.tandfonline.com/doi/full/10.1080/02673037.2023.229051">modelling</a> shows unaffordable housing and poor neighbourhoods both negatively affect mental health, reinforcing the need to provide both affordable and well-located housing. <h2>The upcoming budget</h2> While the <a href="https://www.dss.gov.au/sites/default/files/documents/05_2023/payments-cra_budget_fact_sheet_fa_0.pdf">15% increase</a> in the maximum rent assistance rate was welcomed in the last budget, the program is long overdue for a major restructure to target those in rental stress. Also, tax concessions on second properties should be wound back to reduce competition for those struggling to buy their first home. This would eventually help ease affordability pressures on low-income renters as more higher-income renters <a href="https://onlinelibrary.wiley.com/doi/abs/10.1111/1467-8454.12335">shift into homeownership</a>. The potential negative impacts on rental supply can be mitigated by careful design of tax and other changes that guard against market destabilisation concerns. Overall, housing affordability solutions have to be multi-faceted. The housing system is badly broken and meaningful repair cannot be achieved unless policymakers are willing to confront both supply and demand challenges.<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/228511/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/rachel-ong-viforj-113482">Rachel Ong ViforJ</a>, ARC Future Fellow & Professor of Economics, <a href="https://theconversation.com/institutions/curtin-university-873">Curtin 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/our-housing-system-is-broken-and-the-poorest-australians-are-being-hardest-hit-228511">original article</a>. </div>

Money & Banking

Why Mary Poppins has received a new rating 60 years on

Almost 60 years after Mary Poppins was first released, the classic film has been given a new rating by the British Board of Film Classification (BBFC). The BBFC, which regulates films and video content in the country, changed the rating of the 1964 Disney musical last week from U (Universal) to PG (Parental Guidance) because it features a racial slur once used by white Europeans to refer to the native peoples of southern Africa. "Mary Poppins (1964) includes two uses of the discriminatory term 'hottentots'," a BBFC spokesperson said in a statement to CNN. "While Mary Poppins has a historical context, the use of discriminatory language is not condemned, and ultimately exceeds our guidelines for acceptable language at U." The approaching 60th anniversary of the film is what prompted the BBFC to reexamine the film, as it is set to return to UK cinemas in celebration of the milestone. Even as Mary Poppins remains a treasured part of UK culture, the film has long been criticised for the use of blackface. It's partly in this context that the discriminatory language referenced by BBFC appears in the film. In one scene, the eccentric Admiral Boom asks one of the Banks children if he is going on an adventure to "defeat hottentots." Later in the film, as Admiral Boom sees chimney sweeps with soot-blackened faces dancing in the distance, he shouts, "We're being attacked by hottentots!" and orders a cannon to be fired in their direction. "Hottentot" is a derogatory term used by European settlers to refer to Khoikhoi peoples of South Africa and Namibia, according to the Oxford Dictionary reference. Per the new film rating, children of any age can still watch without an adult present, but parents should consider whether the content might upset younger or more sensitive children, a BBFC spokesperson said. Image credits: Disney

Movies

“The system is too soft”: Ally Langdon fires up over stabbing death of Vyleen White

Ally Langdon has called for an overhaul of the youth crime system in the wake of the violent death of Queensland grandmother Vyleen White. The A Current Affair host was discussing the death of the 70-year-old, as she became visibly frustrated while talking about the rising rates of youth crime. Langdon hinted at a nationwide issue, citing the recent stabbing death of young doctor Ash Gordon in Melbourne, who was also allegedly murdered by a teenager less than a month ago. “Whatever we’re doing to deal with youth crime, it’s failing,” she said. “The police do everything they can, but the system is too soft on serious crime, and we have lost faith in it and our politicians.” <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/C29TB0HvWGj/?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/C29TB0HvWGj/?utm_source=ig_embed&utm_campaign=loading" target="_blank" rel="noopener">A post shared by A Current Affair (@acurrentaffair9)</a> </div> </blockquote> Ms White’s daughter and widowed husband echoed Ally's sentiment thoughts on the program, saying, “Justice has to be done, not for my sake, for the memory of Vyleen.” “People want action and harsher laws for crimes they are committing,” her husband Victor said. “For several years (politicians) have been promising a lot, a lot of rubbish talk to the public out there, and nothing happens." “All you hear is increase of violence, car stealing … This is due to slackness in the law." “The law is weak as water.” Ms White’s daughter, Cindy Micallef said harsher penalties for youth crimes are needed. “Youth crime, I hate to say it, it’s like having a koala, it’s a protected species, there’s no action,” she said. “They do heinous crimes and it’s getting worse, I don’t care what nationality or race. “If we let people get away with this, it’s going to increase.” A 16-year-old boy was <a href="https://oversixty.com.au/finance/legal/update-on-tragic-stabbing-of-queensland-grandmother" target="_blank" rel="noopener">charged</a> with Ms White’s murder on Tuesday morning, and is also facing charges of unlawful use of a motor vehicle and stealing. Vyleen was <a href="https://www.oversixty.com.au/health/caring/grandmother-fatally-stabbed-in-front-of-granddaughter" target="_blank" rel="noopener">fatally stabbed</a> in the chest in Town Square Redbank Plains Shopping Centre’s underground carpark around 6pm on Saturday, while she was shopping with her granddaughter. Image credits: Facebook / A Current Affair

Legal

How does Australia’s health system stack up internationally? Not bad, if you’re willing to wait for it

<a href="https://theconversation.com/profiles/stephen-duckett-10730">Stephen Duckett</a>, <a href="https://theconversation.com/institutions/the-university-of-melbourne-722">The University of Melbourne</a> When things are going bad in the health system, we are reassured we’ve got one of the best health systems in the world. But we’re rarely told where we actually stand relative to others. A <a href="https://www.oecd.org/health/health-at-a-glance/">new report</a> from the Organisation for Economic Cooperation and Development (OECD) shows where Australia is doing relatively well – and not so well. The report is more than 200 pages with dozens of charts and tables. Here we highlight five charts showing Australia’s relative performance. Overall, Australia’s health system performs well, but can come after long waits. And our use of antibiotics is trending in the wrong direction. <h2>1. We spend less than average but live longer than average</h2> Despite the rhetoric about the unsustainability of the health system, Australia performs well. When mapping health expenditure against life expectancy, Australia (marked by the red dot) sits in the best performing quadrant – and has done so for the past decade. <iframe id="tc-infographic-996" class="tc-infographic" style="border: none;" src="https://cdn.theconversation.com/infographics/996/32f7548791bf05b7559d74976bfa0b955319adc5/site/index.html" width="100%" height="400px" frameborder="0"></iframe> In contrast, the United States is stuck in the worst performing quadrant for the whole period – significantly higher spending than other countries with worse life expectancy. The life expectancy measure is used here but it involves an implicit assumption that the principal impact on life expectancy is from the health system, which is not really the case. Nevertheless, it is a good measure of overall system performance and combined with spending provides a good measure. <h2>2. Most Australians rate their health as good or very good</h2> The vast majority of Australians (about 85%) rate their health as good or very good, with Australia performing better on this metric than most other similar countries. Often good health is conflated with good health care, and the data show that Australia also has more doctors per head than other countries. <iframe id="Ygo7Z" class="tc-infographic-datawrapper" style="border: none;" src="https://datawrapper.dwcdn.net/Ygo7Z/1/" width="100%" height="400px" frameborder="0"></iframe> The founding charter of the World Health Organization (WHO) recognised that health is not just the absence of disease, but a “<a href="https://www.who.int/about/accountability/governance/constitution">state of complete physical, mental and social well-being</a>”. This points to a flaw in the nexus between good health and more health professionals. The WHO focus on well-being helps to explain why it is not surprising that, looking across countries, the number of doctors doesn’t appear to be a key determinant of performance on self-rated health. <h2>3. It’s harder to get a bed in aged care</h2> About 30% of people in OECD countries are over 65, while the Australian proportion is about 20%. The proportion of over-65s is rising everywhere. A minority of older Australians (14%) use aged care, with most of these using home care. However, monitoring access to residential aged care (represented here by the number of long-term care beds per thousand population over 65) might act as a “canary in the coal mine”, highlighting where access problems exist. <iframe id="lBe4O" class="tc-infographic-datawrapper" style="border: none;" src="https://datawrapper.dwcdn.net/lBe4O/1/" width="100%" height="400px" frameborder="0"></iframe> In Australia, access to aged care beds is falling, by about 27% between 2011 and 2021. We started in the middle of the pack so this is a concern and probably contributes to more Australians being stuck in acute hospitals, rather than being in more appropriate accommodation in residential aged care. This “<a href="https://www.ama.com.au/articles/hospital-exit-block-symptom-sick-system">exit block</a>” in turn leads to problems of ambulance ramping. <h2>4. Australians wait too long for public hospital hip replacements</h2> Most publicly funded health systems are characterised by long waiting times for access to planned procedures such as hip replacements. Some waiting is to be expected as part of efficient management of operating theatre scheduling. But long waits, especially when the person is in pain, reflect poorly on management of the public hospital system. <iframe id="LNntD" class="tc-infographic-datawrapper" style="border: none;" src="https://datawrapper.dwcdn.net/LNntD/2/" width="100%" height="400px" frameborder="0"></iframe> The data shows that almost two-thirds of people waiting for hip replacement surgery in Australia waited more than three months. This is marginally worse than the OECD average. Unfortunately, our performance is deteriorating. A number of states, such as <a href="https://www.health.vic.gov.au/planned-surgery-reform-blueprint">Victoria</a>, have developed strategies to improve the performance of the planned procedure system, or have identified opportunities for <a href="https://www.sahealth.sa.gov.au/wps/wcm/connect/public+content/sa+health+internet/about+us/about+sa+health/reporting+and+advisory+groups/health+performance+council/health+performance+council+reports">efficiency improvements in public hospitals</a> which would help address this issue. Although it’s understandable that <a href="https://www.sciencedirect.com/science/article/pii/S2049080122011554">planned procedures were affected</a> by the first few years of the COVID pandemic, governments should have adapted their funding and provision systems to bring waiting times back to the pre-pandemic levels. <h2>5. Our use of antibiotics is going in the wrong direction</h2> Antibiotics have saved millions of lives. But public health experts have long recognised the emerging <a href="https://www.who.int/news-room/fact-sheets/detail/antimicrobial-resistance">problem of antimicrobial resistance</a>, where inappropriate use of these drugs can lead to their reduced effectiveness over time. Worldwide campaigns to promote appropriate use of antibiotics are bearing fruit and across the OECD, use of antibiotics is going down. Unfortunately, Australia’s trend is in the reverse direction. <iframe id="AK4GO" class="tc-infographic-datawrapper" style="border: none;" src="https://datawrapper.dwcdn.net/AK4GO/1/" width="100%" height="400px" frameborder="0"></iframe><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/218031/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/stephen-duckett-10730">Stephen Duckett</a>, Honorary Enterprise Professor, School of Population and Global Health, and Department of General Practice, <a href="https://theconversation.com/institutions/the-university-of-melbourne-722">The University of Melbourne</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/how-does-australias-health-system-stack-up-internationally-not-bad-if-youre-willing-to-wait-for-it-218031">original article</a>.

Caring

Women and low-income earners miss out in a superannuation system most Australians think is unfair

<a href="https://theconversation.com/profiles/antonia-settle-1019551">Antonia Settle</a>, <a href="https://theconversation.com/institutions/the-university-of-melbourne-722">The University of Melbourne</a> Most Australians think the superannuation system is unfair, with only one in three agreeing the retirement savings scheme is fair for most Australians, according to a survey conducted for the University of Melbourne. In fact, only about half of those <a href="https://melbourneinstitute.unimelb.edu.au/publications/research-insights/search/result?paper=4630688">surveyed</a> agreed superannuation works well for them. These results contradict a conventional view based on earlier studies and held by academics and many in the personal finance sector, that Australians give little thought to superannuation. A 2013 survey found Australians have <a href="https://search.informit.org/doi/abs/10.3316/INFORMIT.285049750322819">poor knowledge</a> of how the superannuation system works, while another study in 2022 highlighted <a href="https://melbourneinstitute.unimelb.edu.au/__data/assets/pdf_file/0011/4382057/HILDA_Statistical_Report_2022.pdf">low financial literacy</a> in general. Australians also showed <a href="https://behaviouraleconomics.pmc.gov.au/sites/default/files/projects/retirement-planning-saving-attitudes_0_0.pdf">little interest in superannuation</a>, according to a 2020 Department of Prime Minister and Cabinet survey, with few Australians showing interest in reading their superannuation statements, choosing their fund or making voluntary contributions. With Australian households seen as uninformed and uninterested, their opinions tend to be left out of the public debate. We hear much about the gender pension gap, for example, but little about what women actually think about superannuation. Similarly, the distribution of tax advantage in superannuation is hotly debated by economists but survey data tends to refrain from asking households what they think about equity in the superannuation system. The University of Melbourne survey of 1,003 Australians was undertaken by Roy Morgan Research in April. Its results show women and low-income households are widely seen as disadvantaged in the superannuation system. In fact, only one in five Australians see the superannuation system as well suited to the needs of women and of low-income households, while 70% believe super favours wealthy households. <iframe id="5VX3K" class="tc-infographic-datawrapper" style="border: none;" src="https://datawrapper.dwcdn.net/5VX3K/1/" width="100%" height="400px" frameborder="0"></iframe> This suggests although Australians may show little interest in the management of their super accounts and may report they find the system confusing or even <a href="https://www.professionalplanner.com.au/wp-content/uploads/2016/05/Attitudes-to-Super-Report-May-2016.pdf">boring</a>, they are surprisingly aware of how superannuation is distributed. <h2>Women, singles and low-income earners miss out</h2> The federal government’s 2020 <a href="https://treasury.gov.au/publication/p2020-100554">Retirement Income Review</a> documents these gaps. Renters, women, uncoupled households and those on low-incomes fare poorly in the retirement income system. With little super to supplement the public pension, these groups are vastly over-represented in elderly poverty statistics, which are among the <a href="https://www.oecd-ilibrary.org/sites/d76e4fad-en/index.html?itemId=/content/component/d76e4fad-en">highest in the OECD</a>. Mirroring the gaps in the superannuation system reported by the review, the University of Melbourne survey shows that it is outright homeowners and those who are married who believe the superannuation system works well. Concerns the system works poorly for women and low-income households are strongest among women and low-income households. Only one in three renters believe the superannuation system meets their needs. <iframe id="N9GO6" class="tc-infographic-datawrapper" style="border: none;" src="https://datawrapper.dwcdn.net/N9GO6/1/" width="100%" height="400px" frameborder="0"></iframe> This suggests individuals’ concerns about fairness in the superannuation system are driven by their own experiences of disadvantage, regardless of financial literacy. This is consistent with my own <a href="https://www.tandfonline.com/doi/full/10.1080/13563467.2023.2195159">research</a> into household attitudes to superannuation, which showed some resentment among women who were well aware their male partners had substantially higher superannuation balances than them. This all matters for policymakers. <h2>Why public perceptions are important</h2> In the short term, these results suggest public support for making super fairer is likely to be stronger than previously thought. Recent government changes to tax concessions on large balances, for example, could have gone much further without losing support from the 70% of households that think the system favours the wealthy. But it matters for the longer term too. Public perceptions of fairness, effectiveness and efficiency are crucial to policy sustainability. This is well established in the academic literature from <a href="https://onlinelibrary.wiley.com/doi/full/10.1111/spol.12683">B Ebbinghaus</a>, 2021 and <a href="https://onlinelibrary.wiley.com/doi/abs/10.1111/1911-3838.12171">H Chung et al.</a>, and accepted by the Retirement Income Review. The review assessed the public’s confidence in the system to both “deliver an adequate retirement income for them(selves) and (to) generate adequate outcomes across society”. As the review makes clear, the system must avoid a loss of public confidence from perceptions of unfairness. Yet perceptions of unfairness are exactly what the University of Melbourne results suggest. This would have been clearer to policymakers if they asked earlier.<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/207633/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/antonia-settle-1019551">Antonia Settle</a>, Academic (McKenzie Postdoctoral Research Fellow), <a href="https://theconversation.com/institutions/the-university-of-melbourne-722">The University of Melbourne</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/women-and-low-income-earners-miss-out-in-a-superannuation-system-most-australians-think-is-unfair-207633">original article</a>.

Retirement Income

Five ways to take advantage of rising interest rates to boost your savings

<a href="https://theconversation.com/profiles/fredrick-kibon-changwony-234363">Fredrick Kibon Changwony</a>, <a href="https://theconversation.com/institutions/university-of-stirling-1697">University of Stirling</a> With the Bank of England base rate <a href="https://theconversation.com/how-the-bank-of-englands-interest-rate-hikes-are-filtering-through-to-your-finances-210344">currently the highest</a> it has been since early 2008, you may have a valuable opportunity to increase your earnings on pensions, investments and savings accounts. After all, when the central bank raises its main rate – the base rate, which is typically used as a benchmark for loans as well as savings accounts – it is trying to encourage people to spend less and save more. But UK banks and building societies have <a href="https://www.independent.co.uk/money/martin-lewis-savings-rates-mortgage-crisis-b2362955.html">recently been accused</a> of letting their savings rates lag the recent rapid rise in the base rate. UK regulator the Financial Conduct Authority has urged these financial firms to offer “<a href="https://www.fca.org.uk/news/press-releases/action-plan-cash-savings">fair and competitive</a>” savings rates in response to the increasing interest rates. Many financial institutions do offer accounts with <a href="https://www.theguardian.com/money/2023/jul/15/uk-savings-accounts-interest-nsi-building-societies-banks-deals">rates of 6% or more</a>. This is good news for avid savers – but only if you keep an eye on the market so you can switch from less competitive products. This is why it’s important to establish a regular savings habit, but many people are unsure about what that should involve. My colleagues and I have studied the <a href="https://dspace.stir.ac.uk/handle/1893/32240">correlation between people’s savings goals</a> (if they have any) and how they invest their money. We also looked at how seeking financial information advice, and being “good with numbers”, both influence this correlation. We analysed data from more than 40,000 individuals in 21,000 UK households from five waves of the Office for National Statistics Wealth and Assets Survey (WAS), conducted between 2006 and 2016. This data captures comprehensive economic wellbeing information and attitudes to financial planning. Our research shows the importance to your finances of setting multiple savings goals, keeping up with financial news, and seeking professional advice. Based on this, here are five research-based ways to make the most of your money. <h2>1. Set specific savings goals</h2> Establishing personal savings goals is one of the first steps most financial institutions and advisers will recommend to their customers, because it’s a good idea to <a href="https://www.investopedia.com/terms/c/compoundinterest.asp">save regularly</a>. Plus, our study shows that total financial assets increase in line with the number of savings goals you have, and that setting specific, rather than vague, goals leads to higher performance. Specific savings goals should have an end date, target figure, and even a meaningful name – for example, “£1,000 for 2024 trip to Asia” or “£250 for 2023 Christmas present fund”. This will create tangible reference points that encourage self-control and increase the pain you feel if you fail to meet your goal. <h2>2. Seek professional financial advice</h2> Rather than relying on friends, family and social media for financial advice, speak to an expert. Our research shows households that access professional financial advice were more likely to allocate a higher share of their wealth to stock portfolios than those that rely on friends, family and social media for financial advice. This result was consistent even across different wealth and income levels, with lower earners possibly using products like ISAs to make investments in stocks and shares. Other <a href="https://academic.oup.com/qje/article/134/3/1225/5435538">research shows</a> stock portfolios outperform most other types of investment in the long term. We also found that access to professional financial advice can substitute for setting goals, because your adviser should help you to determine the kinds of products to invest in (which is called asset allocation) for specific timelines and aims. <h2>3. Brush up on your maths</h2> <a href="https://doi.org/10.1111/j.1475-5890.2007.00052.x">Several studies</a> show numerical skills affect how households gather and process information, <a href="https://psycnet.apa.org/doi/10.1037/a0013114">set goals</a>, perceive risks, and <a href="https://heinonline.org/HOL/P?h=hein.journals/fedred89&i=791">decide to invest</a> in various financial assets. So, by brushing up on your basic numeracy and financial literacy skills – even with free online videos – you could boost your savings for the long term. Our study shows that individuals with high confidence in their numerical skills tend to have better financial planning habits – such as investing more in stocks and bonds than cash, which carries more risk but also the potential for greater returns. This trend is particularly evident among households with no savings goals, suggesting that numerical ability could compensate for failing to set such goals. <h2>4. Adopt appropriate savings strategies</h2> Diversified stock market portfolios generally outperform bonds and cash savings <a href="https://doi.org/10.1093/qje/qjz012">over longer periods</a>. However, stock markets can be volatile, so putting savings into less risky assets like bonds and cash is wise for savings goals of less than five years. In the longer term, investing across different global stock markets for more than five years can help counteract inflation. And you can access low-cost, diversified investment portfolios via financial products based on indices of stocks or other assets, such as exchange traded funds. <h2>5. Set, monitor and adjust your plan</h2> Free financial planning and budgeting apps can help you save money by tracking your spending and savings goals, and encouraging you to adhere to a budget. Most importantly, once you set savings goals and create a budget, don’t forget about them. Check regularly to see how your savings are building up and to monitor for any spending changes. A growing array of fintech tools can prompt and encourage this kind of long-term planning. Keeping an eye on savings rates is also important. As banks change rates or create new accounts, consider switching to get a better deal if you can do so without falling foul of account closure fees. It’s important to make sure your savings are working for you at any time, but its crucial in the current economy, when finances are tight but interest rates are rising.<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/208853/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/fredrick-kibon-changwony-234363">Fredrick Kibon Changwony</a>, Lecturer in Accounting & Finance, <a href="https://theconversation.com/institutions/university-of-stirling-1697">University of Stirling</a> Image credits: Shutterstock This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/five-ways-to-take-advantage-of-rising-interest-rates-to-boost-your-savings-208853">original article</a>.

Money & Banking

The $500 million ATO fraud highlights flaws in the myGov ID system. Here’s how to keep your data safe

<a href="https://theconversation.com/profiles/rob-nicholls-91073">Rob Nicholls</a>, <a href="https://theconversation.com/institutions/unsw-sydney-1414">UNSW Sydney</a> The Australian Tax Office (ATO) paid out more than half a billion dollars to cyber criminals between July 2021 and February 2023, according to an <a href="https://www.abc.net.au/news/2023-07-26/ato-reveals-cost-of-mygov-tax-identity-crime-fraud/102632572">ABC report</a>. Most of the payments were for small amounts (less than A$5,000) and were not flagged by the ATO’s own monitoring systems. The fraudsters exploited a weakness in the identification system used by the myGov online portal to redirect other people’s tax refunds to their own bank accounts. The good news is there’s plenty the federal government can do to crack down on this kind of fraud – and that you can do to keep your own payments secure. <h2>How these scams work</h2> Setting up a myGov account or a myGov ID requires proof of identity in the form of “<a href="https://www.afp.gov.au/sites/default/files/PDF/NPC-100PointChecklist-18042019.pdf">100 points of ID</a>”. It usually means either a passport and a driver’s licence or a driver’s licence, a Medicare card, and a bank statement. Once a myGov account is created, linking it to your tax records requires two of the following: an ATO assessment, bank account details, a payslip, a Centrelink payment, or a super account. These documents were precisely the ones targeted in three large data breaches in the past year: at <a href="https://theconversation.com/what-does-the-optus-data-breach-mean-for-you-and-how-can-you-protect-yourself-a-step-by-step-guide-191332">Optus</a>, at <a href="https://theconversation.com/medibank-hackers-are-now-releasing-stolen-data-on-the-dark-web-if-youre-affected-heres-what-you-need-to-know-194340">Medibank</a>, and at <a href="https://asic.gov.au/about-asic/news-centre/news-items/guidance-for-consumers-impacted-by-the-latitude-financial-services-data-breach/">Latitude Financial</a>. In this scam, the cyber criminal creates a fake myGov account using the stolen documents. If they can also get enough information to link to the ATO or your Tax File Number, they can then change bank account details to have your tax rebate paid to their account. It is a sadly simple scam. <h2>How government can improve</h2> One of the issues here is quite astounding. The ATO knows where salaries are paid, via the “<a href="https://www.ato.gov.au/business/single-touch-payroll/what-is-stp-/">single touch</a>” payroll system. This ensures salaries, tax and superannuation contributions are all paid at once. Most people who have received a tax refund will have provided bank account details where that payment can be made. Indeed, many people use precisely those bank account details to identify themselves to myGov. At present, those bank details can be changed within myGov without any further ado. If the ATO simply checked with the individual via another channel when bank account details are changed, this fraud could be prevented. It might be sensible to check with the individual’s employer as well. Part of the problem is the ATO has not been very transparent about the risks. If these risks were clearly set out, then calls for changes to ATO procedures would have been loud and clear from the cyber security community. The ATO is usually good at identifying when a cyber security incident may lead to fraud. For example, when the recruitment software company <a href="https://www.abc.net.au/news/2018-06-06/australian-data-may-be-compromised-in-pageup-security-breach/9840048?itm_campaign=newsapp">PageUp was hacked in 2018</a>, the ATO required people who may have been affected to reconfirm their identities. This was done without public commentary and represents sound practice. Sadly, the millions of records stolen in the Optus, Medibank and Latitude Financial breaches have not led to a similar level of vigilance. Another action the ATO could take would be to check when a single set of bank account details is associated with more than one myGov account. A national digital identity would also help. However, this system has been in development for years, is not universally popular, and may well be <a href="https://www.themandarin.com.au/226280-gallagher-warns-community-support-for-digital-identity-not-ubiquitous/">delayed</a> until after the federal election due in 2024. <h2>Protecting yourself</h2> The most important thing to do is make sure the ATO does not use a bank account number other than yours. As long as the ATO only has your bank account number to transfer your tax rebate, this scam does not work. It also helps to protect your Tax File Number. There are only four groups that ever need this number. The first is the ATO itself. The second is your employer. However, remember you do not need to give your TFN to a prospective employer, and your employer only needs your TFN after you have started work. Your super fund and your bank may ask for your TFN. However, providing your TFN to your super fund or bank is optional – it just makes things easier, as otherwise they will withhold tax which you will need to claim back later. Of course, all the usual data safety issues still apply. Don’t share your driver’s licence details without good reason. Take similar care with your passport. Your Medicare card is for health services and does not need to be shared widely. Don’t open emails from people you do not know. Never click links in messages unless you are sure they are safe. Most importantly, know your bank will not send you emails containing links, nor will the ATO.<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/210459/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/rob-nicholls-91073">Rob Nicholls</a>, Associate professor of regulation and governance, <a href="https://theconversation.com/institutions/unsw-sydney-1414">UNSW Sydney</a> Image credits: Shutterstock 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-500-million-ato-fraud-highlights-flaws-in-the-mygov-id-system-heres-how-to-keep-your-data-safe-210459">original article</a>.

Technology

Outrage after renters confronted with cleaning “scoring system”

An Australian real estate agent has come under fire for their “demoralising” scoring system for tenants during routine inspections. One fired up renter said they were shocked to receive a scorecard from the agent after they complied with an inspection, and shared their feedback on Reddit. The scorecard rated the tenant’s efforts cleaning the property in 17 different rooms and areas, marking them on cleanliness, and if the areas were damaged or required maintenance. The renter was then also given an overall rating out of five stars, based on the upkeep of their rental home. The Reddit user showed that they received just three and half stars, despite being marked down in only one area due to a light globe not working. In their post, the tenant said they had made every effort to clean the home, adding that the rating was “demoralising”. “I’ve been renting a long time, and my deep cleaning routine is based around inspections,” they explained. “I go all out - every room in my little 3x2 villa is given a spring clean, every surface is washed including walls, doors, lights, windows, carpets etc.” “Had my latest inspection a few weeks ago and just received the report. Despite the agent commenting once again that she never sees houses as clean as mine, and taking 112 (!) photos of every single thing that shows how great the condition of the house is - having one light globe not working is so terrible that I’m scored three and a half out of five.” The renter went on to say that they had only recently discovered that the broken light globe was the real estate’s responsibility to replace, and does not warrant such a severe marking down in their “score”. “The globe in question is a downlight fitting. We have so many downlights that I don’t even use this particular one,” they continued. “I can’t replace the globe itself, I need to get into the roof to replace the whole unit. Thanks to people here I’ve learned this isn’t even my responsibility to fix!” The renter’s post sparked a huge outrage online, with many up in arms over the current state of the rental market and unrealistic expectations of estate agents. One person said, “I fully believe that the average renter keeps a home to a higher standard than an owner, and it seems deliberately demoralising that someone could be marked down for having a light out.” Another added, “This is ridiculously petty, and more importantly, totally irrelevant to the purpose of a periodic inspection. Which is to identify whether any maintenance is needed.” A third person took their anger out on the entire system, summing it up by writing, “I sort of wonder what little lightbulb clicks in your mind and you wake up one day and ask yourself, ‘How can I be a massive c*** who offers no value to society? I know! I will get into real estate.’” Image credits: Getty Images / Reddit

Real Estate

“My sex statue is famous”: Larry Emdur reacts to X-rated home reveal

The Morning Show host Larry Emdur has been making a name for himself in the world of game show TV for a few years hosting The Chase Australia, but despite his success, he’s still had his sights set on one more goal: making an appearance on the Have You Been Paying Attention? series. And now, it seems like Larry’s dream has come true, though not exactly in the way he might have expected. The popular host and his wife, Sylvie, have had their hands full recently trying to sell their Kangaroo Valley retreat, better known as Sky Ridge. And while pictures of the property and its picturesque surrounds are available thanks to Belle Property, it wasn’t the property’s luxury four bedrooms or sweeping views that saw it get a mention on the Channel 10 game show. Instead, it was a statue situated in the home’s main living space that caught their attention, with Have You Been Paying Attention? host Tom Gleisner asking his panel if they knew why Larry’s holiday home had gone viral throughout the week. Ed Kavalee was quick to suggest that it was because “the price was right”, while Sam Pang asked if it was because “it has to do with the backyard, they found a shallow grave?” Kavalee eventually got to the right answer, revealing that “there was, like, a pornographic statue in there.” The statue in question could be found perched on top of Larry’s dining room table, and appeared to catch two people caught up in the moment having “X-rated raunchy sex”, as Larry himself put it. The HYBPA? audience found it hilarious, and thankfully, Larry was more than happy to see the funny side of it all, too. Taking to social media after learning about his unexpected cameo, Larry shared that he’d “always wanted to be on Have You Been Paying Attention? but not for a disgraceful reason like this.” “My sex statue is famous,” he added, before sharing details of the property and that “YES !!!! The Price is Right”. <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/CttOo9pByBy/?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/CttOo9pByBy/?utm_source=ig_embed&utm_campaign=loading" target="_blank" rel="noopener">A post shared by @larryemdur</a> </div> </blockquote> Larry’s fans raced to express their amusement, with dozens sharing laughing emojis, while others assured him that the feature piece was certainly “a work of art”. “Love a good conversation piece,” one user said. “It’s…… unique,” another added. “Can’t stand that show,” one confessed. “But at least this time they are talking about something interesting”. And one other agreed that it had been “so funny”, noting that it was also a “nice house”, but that most importantly, they were sorry you weren't nominated for a gold logie, you sure deserved it”. Images: realestate.com.au, Getty

Real Estate

Ratings results after Shirvo’s first day in Kochie’s chair

The results are in and Seven has maintained its position on top, with thousands of viewers tuning in to watch newly appointed Sunrise co-host Matt Shirvington <a href="https://www.oversixty.com.au/news/news/kochie-s-sunrise-replacement-revealed" target="_blank" rel="noopener">replace Kochie</a> on the breakfast TV show. Over 235,000 metro viewers tuned in to Seven on Monday, while Nine’s Today drew around 188,000 viewers, and 104,000 watched ABC’s News Breakfast. The reactions were positive and many took to social media to share their well-wishes for the former sprinter after his first day on the show. “Your first morning Shirvo, great, So natural,” one viewer posted on Instagram. “The best person to replace Kochie,” wrote another. “Matt Shirvo is exactly what Sunrise needed,” another viewer added. “I am so glad they went with Shirvo. A fresh start for Sunrise,” commented another. The 44-year-old was<a href="https://www.oversixty.com.au/news/news/kochie-s-sunrise-replacement-revealed" target="_blank" rel="noopener"> announced as the new host</a> alongside Nat Barr on June 5, and officially replaced Kochie a week later. He has shared his delight and excitement over joining the show, and even posted an <a href="https://www.instagram.com/p/CtWFmBhPAT4/?utm_source=ig_web_copy_link&igshid=MzRlODBiNWFlZA==" target="_blank" rel="noopener">image </a>of all the alarms he set in preparation for his new job. “I’m so excited but also humbled by the opportunity to co-host such an important show to so many Australians,” he said last week. Image: Sunriseon7 Instagram

An El Niño looms over Australia’s stressed electricity system – and we must plan for the worst

<a href="https://theconversation.com/profiles/dylan-mcconnell-1602">Dylan McConnell</a>, <a href="https://theconversation.com/institutions/unsw-sydney-1414">UNSW Sydney</a> and <a href="https://theconversation.com/profiles/iain-macgill-576">Iain MacGill</a>, <a href="https://theconversation.com/institutions/unsw-sydney-1414">UNSW Sydney</a> The Bureau of Meteorology this week declared a 70% chance of an <a href="https://media.bom.gov.au/releases/1170/the-bureau-of-meteorology-issues-an-el-nino-alert/">El Niño</a> developing this year. It’s bad timing for the electricity sector, and means Australians may face supply disruptions and volatile prices. <a href="http://www.bom.gov.au/climate/updates/articles/a008-el-nino-and-australia.shtml">El Niño events</a> are <a href="https://theconversation.com/from-floods-to-fire-a-climate-scientist-on-the-chances-el-nino-will-hit-australia-this-year-197408">associated with</a> increased temperatures and heatwaves. These conditions drive demand for electricity, especially in summer. These same conditions can also mean some generators don’t produce at full capacity. And unfortunately, the likely El Niño comes as the electricity sector grapples with other significant headwinds. Australia’s electricity grid may be fine this summer. But given what’s on the horizon, it would be prudent to plan for the worst. <h2>How does hot weather affect energy supplies?</h2> Increased air conditioning use in summer can cause <a href="https://aemo.com.au/-/media/files/electricity/nem/planning_and_forecasting/nem_esoo/2022/forecasting-approach-electricity-demand-forecasting-methodology.pdf">demand to peak</a>, particularly during heatwaves, as the below graph shows. <figure class="align-center "><img src="https://images.theconversation.com/files/530604/original/file-20230607-27-m1kddg.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/530604/original/file-20230607-27-m1kddg.png?ixlib=rb-1.1.0&q=45&auto=format&w=600&h=208&fit=crop&dpr=1 600w, https://images.theconversation.com/files/530604/original/file-20230607-27-m1kddg.png?ixlib=rb-1.1.0&q=30&auto=format&w=600&h=208&fit=crop&dpr=2 1200w, https://images.theconversation.com/files/530604/original/file-20230607-27-m1kddg.png?ixlib=rb-1.1.0&q=15&auto=format&w=600&h=208&fit=crop&dpr=3 1800w, https://images.theconversation.com/files/530604/original/file-20230607-27-m1kddg.png?ixlib=rb-1.1.0&q=45&auto=format&w=754&h=262&fit=crop&dpr=1 754w, https://images.theconversation.com/files/530604/original/file-20230607-27-m1kddg.png?ixlib=rb-1.1.0&q=30&auto=format&w=754&h=262&fit=crop&dpr=2 1508w, https://images.theconversation.com/files/530604/original/file-20230607-27-m1kddg.png?ixlib=rb-1.1.0&q=15&auto=format&w=754&h=262&fit=crop&dpr=3 2262w" alt="Scatterplot of New South Wales demand and temperature, example based on 2017 calendar year" /><figcaption>Scatterplot of New South Wales demand and temperature, example based on 2017 calendar year. AEMO</figcaption></figure> At the same time, electricity generators – including coal, gas, <a href="https://www.climatechangeinaustralia.gov.au/en/projects/esci/esci-case-studies/case-study-heat/">solar and wind</a> – can become less efficient in hot temperatures, and so provide less energy to the system. And the hotter transmission lines get, the less electrical current they can safely carry. This lowers their capacity to transport energy. When the electricity grid is under stress, this can lead to “load shedding” or blackouts – when power companies deliberately switch off the power supply to groups of customers to prevent the overall system from becoming dangerously unstable. This happened in Victoria in early 2019, when more than <a href="https://www.abc.net.au/news/2019-01-26/victorian-blackouts-what-caused-them-and-is-this-the-new-normal/10751412">200,000 customers</a> lost power during a period of extreme heat. El Niño events are also associated with reduced rainfall. Among other effects on the electricity grid, this can reduce output from hydroelectricity generators (which produce electricity by pumping water through turbines). This <a href="https://theconversation.com/praying-for-rain-50085">occurred</a> in Tasmania in 2016, and contributed to an energy crisis in that state. <h2>Other headwinds are blowing</h2> Aside from facing a likely El Niño, the electricity sector faces other headaches. Earlier this year, the Australian Energy Market Operator <a href="https://aemo.com.au/newsroom/media-release/aemo-issues-nem-reliability-update">warned</a> electricity demand “may exceed supply” at times over the next decade due to factors such as weather conditions or generator outages. The market operator pointed to delays to the Snowy 2.0 hydro project and the gas-fired <a href="https://www.afr.com/companies/energy/new-snowy-ceo-can-t-rule-out-further-delays-at-projects-20230213-p5cjzr">Kurri Kurri Power Station</a>, both in New South Wales. The Kurri Kurri project has been delayed for a year. It was scheduled to begin operating in December this year – in time for the first summer since the Liddell coal-fired power station closed. The Australian Energy Market Operator said the electricity system was expected to meet the “reliability standard” in all regions for the next five years. The <a href="https://www.aemc.gov.au/energy-system/electricity/electricity-system/reliability#:%7E:text=What%20is%20the%20Reliability%20Standard,to%20be%20met%20each%20year.">standard requires</a> at least 99.998% of forecast demand be met each year. Unmet demand can lead to interrupted supply, or blackouts. But the operator also said delays to the Kurri Kurri project posed risks to reliability in NSW this summer. Adding to the pressures on the system, Queensland’s Callide C coal-fired power station is still not back to capacity more than two years after an explosion at the site. The station’s owners last week <a href="https://www.afr.com/companies/energy/energy-grid-fears-as-callide-c-return-delayed-until-mid-2024-20230529-p5dc90">announced</a> the plant would not be fully operational until mid-2024. Combine all this with a likely El Niño, and the electricity sector may be facing a challenging summer. <h2>El Niño years are not normal</h2> In August, the Australian Energy Market Operator is due to publish a new <a href="https://aemo.com.au/-/media/files/electricity/nem/planning_and_forecasting/nem_esoo/2022/esoo-and-reliability-forecast-methodology-document-2022.pdf">assessment</a> of the grid’s expected reliability over the next decade. It may well show reliability standards will be achieved. On first blush, that sounds like good news. However, the way the assessment is derived may mask the real risk during El Niño periods. The assessment combines a number of scenarios, which are based on different <a href="https://aemo.com.au/en/energy-systems/electricity/national-electricity-market-nem/nem-forecasting-and-planning/forecasting-and-reliability/projected-assessment-of-system-adequacy">forecasts</a> of electricity demand. The scenarios based on average weather conditions are given the most weight. But if an El Niño arrives, this summer will not be average. We’re likely to experience very hot and dry conditions. This may lead to higher demands on the energy system, and a greater likelihood of blackouts. This won’t be properly reflected in the assessment. So the grid may be deemed reliable even though electricity supplies are under immense pressure. <figure class="align-center "><img src="https://images.theconversation.com/files/530771/original/file-20230608-30-lb28wc.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/530771/original/file-20230608-30-lb28wc.jpg?ixlib=rb-1.1.0&q=45&auto=format&w=600&h=450&fit=crop&dpr=1 600w, https://images.theconversation.com/files/530771/original/file-20230608-30-lb28wc.jpg?ixlib=rb-1.1.0&q=30&auto=format&w=600&h=450&fit=crop&dpr=2 1200w, https://images.theconversation.com/files/530771/original/file-20230608-30-lb28wc.jpg?ixlib=rb-1.1.0&q=15&auto=format&w=600&h=450&fit=crop&dpr=3 1800w, https://images.theconversation.com/files/530771/original/file-20230608-30-lb28wc.jpg?ixlib=rb-1.1.0&q=45&auto=format&w=754&h=566&fit=crop&dpr=1 754w, https://images.theconversation.com/files/530771/original/file-20230608-30-lb28wc.jpg?ixlib=rb-1.1.0&q=30&auto=format&w=754&h=566&fit=crop&dpr=2 1508w, https://images.theconversation.com/files/530771/original/file-20230608-30-lb28wc.jpg?ixlib=rb-1.1.0&q=15&auto=format&w=754&h=566&fit=crop&dpr=3 2262w" alt="repair person climbs power pole" /><figcaption>The grid may be deemed reliable even though it’s under pressure. Shutterstock</figcaption></figure> <h2>What can be done?</h2> You might find all this news worrying. But there are measures and technologies in place to help reduce the risks. <a href="https://aemo.com.au/en/energy-systems/electricity/emergency-management/reliability-and-emergency-reserve-trader-rert">A mechanism</a> exists that allows the market operator to secure emergency energy reserves. It could mean, for example, calling on a large industrial plant to pause operations to reduce its electricity use, or starting up a standby diesel generator. The operator can start procuring this months ahead of time, and will no doubt be monitoring the situation closely. In the medium term, the uptake of so-called “consumer energy resources” such as rooftop solar farms and small-scale battery storage shows promise. These technologies are located at homes and businesses. They can reduce demand on the grid at peak times and can potentially be built faster than big projects. Longer term, we need to build more “stuff”. This includes renewable energy and other “dispatchable” resources – which can provide energy when it’s needed – as well as more transmission infrastructure. Several federal funding measures – the <a href="https://www.energy.gov.au/government-priorities/energy-supply/capacity-investment-scheme">Capacity Investment Scheme</a> and <a href="https://www.energy.gov.au/news-media/news/rewiring-nation-supports-its-first-two-transmission-projects">Rewiring the Nation</a> – might help realise these projects. The reality is that ageing coal plants are closing – and while they remain open, they’re contributing to reliability challenges in the energy system. Unchecked climate change will also add considerable strain, through natural disasters and more extreme weather. Unfortunately, investment in renewable and other low-emission technology has been <a href="https://www.cleanenergycouncil.org.au/news/clean-energy-construction-peaks-as-investment-pipeline-battles-headwinds">slower than necessary</a>. This has slowed Australia’s emissions reduction efforts and cast questions over the reliability of our energy supplies as an El Niño looms.<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/207210/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/dylan-mcconnell-1602">Dylan McConnell</a>, Senior Research Associate, Renewable Energy & Energy Systems Analyst, <a href="https://theconversation.com/institutions/unsw-sydney-1414">UNSW Sydney</a> and <a href="https://theconversation.com/profiles/iain-macgill-576">Iain MacGill</a>, Joint director, Collaboration on Energy and Environmental Markets, and Professor, School of Electrical Engineering and Telecommunications, <a href="https://theconversation.com/institutions/unsw-sydney-1414">UNSW Sydney</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/an-el-nino-looms-over-australias-stressed-electricity-system-and-we-must-plan-for-the-worst-207210">original article</a>. Images: Getty

Technology

RBA announces major interest rate rise

The Reserve Bank of Australia has lifted its official interest rate to 4.1 per cent, an increase not seen since early 2012. The bank’s board chose to lift the cash rate target by 0.25 of a percentage point for the second month in a row amid concerns that inflation is taking too long to decrease. The latest monthly consumer price index from the Australian Bureau of Statistics saw prices rise 6.8 per cent from 2022 to April 2023, up from the March reading due to statistical uncertainties caused by last year’s temporary fuel excise cut. Reserve Bank governor Phillip Lowe warned the public about rising costs of services including hospitality which are labour intensive and vulnerable to increased wages. "Recent data indicate that the upside risks to the inflation outlook have increased and the board has responded to this," he highlighted in his post-meeting statement. "While goods price inflation is slowing, services price inflation is still very high and is proving to be very persistent overseas. Unit labour costs are also rising briskly, with productivity growth remaining subdued.” Lowe noted the most recent and bigger than expected rise in minimum and award wages, which was the highest increase in decades. "Wages growth has picked up in response to the tight labour market and high inflation," he explained. "At the aggregate level, wages growth is still consistent with the inflation target, provided that productivity growth picks up.” The interest rate spike will add around $76 a month to the repayments on a $500,000 loan, and double that on a million-dollar 25-year mortgage. Someone with $500,000 owing on their home loan will see their monthly repayment increase by around $1,134 a month since the RBA started lifting rates from a record low of 0.1 per cent in May 2022. However, there is still the risk of another rate rise. "Some further tightening of monetary policy may be required to ensure that inflation returns to target in a reasonable time frame, but that will depend upon how the economy and inflation evolve," Lowe warned. Image credit: Twitter

Money & Banking

"The numbers don't lie": Sunrise and Today take their ratings rivalry to the next level

Tensions have reached new heights between Australian networks Seven and Nine, with one broadcaster releasing a public statement in defence of its own reportedly lacklustre breakfast show audience numbers. According to a new report from the Daily Telegraph, Nine’s Today has been lagging behind Seven’s Sunrise, with year-to-date average audience figures putting Sunrise ahead by 18 per cent. At a national scale, things don’t look much better for Nine, with Sunrise’s average sitting at 363,000 viewers and 271,000 for Today - numbers confirmed by news.com.au. The publication also reported that a source claimed executives were concerned about Today’s new line-up of Karl Stefanovic and Sarah Abo, and that it may not be connecting with their audiences as intended. Nine’s director of morning television, Steven Burling, had plenty to say about the report, calling it a “fabrication and a distortion of the old fashioned and out of date overnight ratings system.” He also noted that Today was actually in a favourable position with younger audiences, and considered that to be “all important”. However, Sunrise weren’t too keen on accepting that fact, with a spokesperson for their network informing news.com.au that the ratings that had placed Sunrise at the top of the pecking order were, in fact, accurate. “The numbers don’t lie,” they stated. “Sunrise has been number one for 19 years and is number one again this year, across the capital cities and nationally. “Sunrise wins in Sydney, New South Wales, Victoria, Adelaide, South Australia, Perth, Western Australia, Tasmania, and Queensland. It is growing well in Melbourne. Today is ahead in Brisbane.” They also had thoughts about Today being ahead with younger age groups, unwilling to believe it and instead arguing that Sunrise was the leader of the pack with the 25-54 group. The same couldn’t be said for the 16-39 age bracket, with Today still seizing the win there. The situation may yet change, as it’s already been in flux for a few years, with the two shows actually managing to narrow their gap in 2021. 2022 and 2023 were a different story, with that divide widening again, leading many to speculate that it may or may not have something to do with each breakfast programme’s chosen line-up. David Koch has been hosting over at Sunrise for 20 years - with co-host Natalie Barr contributing in some capacity for the same span of time. Meanwhile, Today has endured shake up after shake up in recent times, with Karl Stefanovic’s co-host Sarah Abo only joining him at the helm in 2023, after Allison Langdon left for a position at A Current Affair. Images: Sunrise / Seven, Today / Nine

Tiny Tassie home comes under fire for steep rental rate

A property up for rent in Tasmania’s Huon Valley has faced a wave of criticism over its rental asking price - at a staggering $175 per week for the freestanding, singular room. While the ‘home’ does boast stunning views as well as access to the main property’s amenities, most are in agreement that the asking price serves as a harsh reminder that Australia’s housing crisis is far from over. The advertisement first appeared on Facebook Marketplace, with a listing that declared it to be a “small fully insulated cabin with heat and power. Shared kitchen and bathroom. $175 [per] week! “On a rural bush setting with walking tracks, creeks and magnificent views. Just three-minute drive from Cygnet or 25-minute walk. Genuine inquiries only. Thank you.” Comments from irate viewers came in fast and furious, with even going so far as to post on Twitter about the listing, writing “this tiny wooden box is barely wider than a two-seater couch, has no bathroom, no kitchen, and is a 25 minute walk from Cygnet. “The owner wants $175 a week. If you had tried that on as little as five years ago, someone would have tossed you directly into the Tasman Sea.” “My chook pen is bigger than that,” a fellow user said in response. “I’ve seen better dog kennels,” someone else declared. And one even asked if the building had “approval as a habitable building”, while another asked if it was actually just a ‘dunny’. Luckily for the owner, the Tenants Union of Tasmania at least confirmed to 7NEWS.com.au that “the property does meet the requirements of a ‘boarding premises’ under the Residential Tenancy Act 1997 (Tas).” The owner was of another opinion to the critics, however, reportedly telling The Mercury that “if people had actually reached out to me before having a crack they would see I am an honest guy trying to help people. “I share the main house with my 18-year-old daughter and we both work full-time jobs. I don't charge electricity, water or rates and I couldn't do it any cheaper with rising interest rates.” And as he also told 7NEWS, “I thought, coming into winter, it’s going to be pointless having a good home there [if it’s not being used], and if I can share the cost of living with somebody, my daughter and I would be happy to have the right tenant to come along.” Images: Twitter

Real Estate

“Sam has plans afoot”: Ratings smash puts Sam Armytage in the driver’s seat

Farmer Wants a Wife's Samantha Armytage has enjoyed early success with her new hosting gig, with the reality series seeing a wave of success in the ratings department for its first few episodes. The 2023 season premiere alone drew in approximately 1.08 million viewers, leading many to believe that Armytage has made leaps and bounds towards reasserting herself as a valued member of the team over at Seven. “She’s now in a place to get just about anything she wants from hereon in,” a source told New Idea, before noting that Armytage was driven by ambition, and was already looking ahead to her next steps with the network. “Sam has plans afoot,” they explained. “She's cleverly stayed on the network's radar, knowing if she landed and nailed a lead role like in FWAW [Farmer Wants a Wife] then doors would open.” Sam, who had parted ways with Seven’s breakfast show Sunrise in 2020, had a tough battle ahead when she took over from beloved former FWAW host Natalie Gruzlewski. Even though Armytage had previously appeared on the show in a guest capacity, fans were shocked by the news, and struggled to come to terms with the upcoming shift. According to New Idea’s insider, this applied in part to Gruzlewski too, with them explaining that “no one saw this coming, least of all Nat. She didn't know the full extent of the role changes until recently - it was a bolt out of the blue! “Sam has sold herself as the better choice because she maintains she is married to a farmer, grew up on a farm, and therefore is more relatable. Although that remains to be seen.” And it was an obvious change from the first 15 minutes of the new season, with Gruzlewski only seen in a handful of frames, while Armytage took centre stage interviewing the latest batch of hopeful contestants. The same source reported that Armytage is a “management favourite”, suggesting that the lineup shakeup was all part of an effort from the network to elevate Armytage’s professional profile again. They also explained that Gruzlewski was “taking the demotion in her stride”, all while demonstrating the good quality that fans had come to know from her. “Nat is no diva and was always a crowd favourite, the farmers and the women almost always warmed to her,” they said, before noting that there was a very real sense “this might end up being Nat’s final season” in light of the changes. Images: Instagram

Want an easy $400 a year? Ditch the gas heater in your home for an electric split system

Earlier this month, regulators <a href="https://theconversation.com/why-are-electricity-prices-going-up-again-and-will-it-ever-end-201869">flagged</a> power price rises in Queensland, New South Wales, Victoria and South Australia. Like many people, you’re probably wondering how you can minimise the financial pain. Getting rid of gas and electrifying everything in your home can save you money. <a href="https://renew.org.au/wp-content/uploads/2022/11/Report-Limiting-energy-bills-by-getting-off-gas.pdf">Modelling</a> by not-for-profit organisation Renew showed annual bills last year for a <a href="https://www.nathers.gov.au/owners-and-builders/home-energy-star-ratings">seven-star</a> all-electric home with solar power were between 69% (Western Sydney) and 83% (Hobart) cheaper than bills for a three-star home with gas appliances and no solar. There are other reasons to kick the gas habit, too. As renewables form an ever-growing part of Australia’s energy mix, electrifying the home increasingly helps tackle climate change. What’s more, there are sound <a href="https://www.unsw.edu.au/news/2023/02/a-heated-debate--how-safe-are-gas-stoves--">health</a> reasons to get rid of gas appliances. But where do you start? And how do you get the best bang for your buck? Here, I offer a few tips. <h2>A quick guide to home energy use</h2> Australian home energy use can be separated into a few categories: <ul> <li>space heating and cooling</li> <li>water heating</li> <li>cooking</li> <li>vehicles </li> <li>other appliances (many of which are largely already electric). </li> </ul> Of the appliances that typically depend on gas, the <a href="https://www.rewiringaustralia.org/report/castles-and-cars-discussion-paper">largest component</a> (37%) is space heating, followed by hot water (24%) and cooking (6%). This varies between states. Victoria, for example, is particularly dependent on gas. But the breakdown above gives some insight into the largest contributors to energy costs in the average Australian home – particularly in the cooler southern regions. While both gas and electricity costs are rising, as they are now in most states, all-electric homes can expect lower overall increases. <a href="https://renew.org.au/wp-content/uploads/2022/11/Report-Limiting-energy-bills-by-getting-off-gas.pdf">Analysis</a> by Renew has shown ditching the old gas heater in favour of a split system/reverse cycle air-conditioner (without solar panels) can lead to average savings of A$546 each year in Canberra, $440 in Adelaide, $409 in Melbourne and $256 in Perth. Heating a space with a reverse-cycle air conditioner is about four times more efficient than using natural gas. And when the electricity is generated by renewables, it can be done with zero greenhouse gas emissions. And what about heating water? Using the existing electricity grid, the cost of using an electric heat pump is around half that of using a natural gas water heater. The costs fall even lower if a household shifts to solar panels subsidised or financed by government, backed by a home battery providing the energy. In this case, heating costs are around a third of using gas. <h2>So what’s the payback?</h2> Buying new appliances costs money. So it’s important to examine the “payback” period - in other words, the length of time it takes for energy bill savings to equal the cost of the initial investment in a new appliance. The payback period can vary depending on: <ul> <li>cost and quality of the appliance</li> <li>an appliance’s energy rating</li> <li>size of the system</li> <li>for space heating, whether a split system is replacing an existing ducted system or being added on externally.</li> </ul> A <a href="https://www.climatecouncil.org.au/wp-content/uploads/2022/10/CC_MVSA0323-CC-Report-Gas-vs-Electricity_V4-Single.pdf">report</a> last year by the Climate Council calculated the approximate cost differences between higher and lower-end electric appliances. Lower-end hot water heat pumps, reverse-cycle air conditioner and induction stoves were priced around $7,818 all together, while higher-end appliances cost around $14,936 together. Both scenarios included installation costs and $3,000 for electrical upgrades and other costs. The payback period for low-priced appliances ranged from five years in Hobart and Canberra to 15 years in Perth and Sydney. Higher-priced appliances were in the order of eight to ten years for most cities and 12, 16 and 19 years for Melbourne, Perth and Sydney respectively. Rolled out at scale, household electrification is also a feasible way to reduce gas demand. It may be the only practical option available to decarbonise residential energy. As research <a href="https://www.sciencedirect.com/science/article/pii/S0196890422013802#b0130">recently suggested</a>, so-called “green” hydrogen – made by using low-carbon electricity to split water into hydrogen and oxygen – is unlikely to emerge as a cheap replacement for gas boilers. And why look for a technological solution to a problem we already know how to solve? Modelling by <a href="https://environmentvictoria.org.au/wp-content/uploads/2020/06/Vic-Gas-Market-Demand-Side-Study-Final-Report-1.pdf">Environment Victoria</a> has shown installing heat pumps for heating and cooling would reduce statewide gas use by 48 petajoules a year, compared to the relatively minimal 0.5 petajoules saved by installing induction cooktops. At the same scale – and using a similar technology – replacing gas hot water with heat pump hot water reduces household gas use by 10 petajoules each year. That’s an enormous saving of gas. <h2>The bigger picture for all-electric homes</h2> Existing homes can benefit from a combination of electrification, rooftop solar and batteries. They can also benefit from energy efficiency measures such as installing insulation, stopping draughts, closing off rooms and wearing the right clothing for the season. We can work together to speed up the transition to renewable energy and reduce the demand for gas. Image credits: Getty Images This article originally appeared on <a href="https://theconversation.com/want-an-easy-400-a-year-ditch-the-gas-heater-in-your-home-for-an-electric-split-system-201941" target="_blank" rel="noopener">The Conversation</a>.

Home Hints & Tips

Check your rates: Couple's warning after being overcharged for more than a decade

A disgruntled couple from the NSW south coast town of Kiama have slammed their local council after discovering they have been overcharged by around $8,000 for a rubbish bin they weren’t even using. The couple, Kim and Geoff Oppert reached out to A Current Affair to warn other ratepayers to carefully check the fine print on their bills. The pair had made the decision to downsize their red-lid general waste bin after their daughter moved out of the family home, which ideally would have lowered their rates. Due to a mistake on their bills - clouded by legal jargon - the couple were paying twice as much for their red-lid garbage bin. This meant Kiama Council had been charging them for TWO bins for the past 12 years. "Look at your rates notice and check you're paying for just one bin," Mr Oppert told A Current Affair. "Over 12 years we paid $16,000 in garbage waste disposal and it really should have been half that," he said. "Our rate notice doesn't clearly say how many bins we have. It's bureaucratic speak no one could understand." When the couple finally realised the mistake they went straight to the council. "But they would only give us a refund for two years and quoted some tax act as the reason why," Mr Oppert explained. "It is so unfair and just not right," Mrs Oppert added. "It was their mistake not ours, and they admitted it.” Mr Oppert seeks to warn all Australians paying a council for a bin service, "Check your rates notice and make sure you're not getting ripped off.” Kiama Council were made aware of the situation and gave a partial refund to the couple. "When this matter was brought to our attention, Kiama Council acted quickly to rectify the situation, in accordance with the law, as outlined below.”, a Kiama Municipal Council spokesperson said in a statement. “We refunded the amounts of $805.72 for 2021-22 and $818.61 for 2022-23. The couple have not received a full refund due to tax laws. "The Office of Local Government has advised that, where charges go back more than 1 year, the Recovery of Imposts Tax Act 1963 applies as follows", the spokesperson continued. <img src="https://oversixtydev.blob.core.windows.net/media/2023/03/BINS-PIC.jpg" alt="" width="1280" height="720" /> "In addition, Kiama Council is now working on an audit of all our urban and residential waste services to ensure our charges are correct. "Council reminds all ratepayers to check their bills and if anything is unclear, please get in touch with us to discuss, we are always happy to help." Image credit: A Current Affair/Kiama Municipal Council

Real Estate

Major overhaul of Aussie superannuation system touted

There may be a major change coming to Australia's $3.3 trillion superannuation system, with Treasurer Jim Chalmers looking to crack down on early access. Chalmers will be speaking to call for an objective for superannuation that will emphasise the need for it to be preserved until retirement. This would make it harder for Australians to access their funds early. The federal opposition are taking a different stance and have pushed for early access to remain open as part of a first home buyers scheme. John Kehoe, Australian Financial Review economics editor, told Today $36 billion had been withdrawn from Australians’ collective super during the COVID-19 pandemic. "That's something that Labor wants to shut the door on," he said. Kehoe said there were two sides to the first home buyers scheme, saying that people accessing their super early could drive prices higher. "The retirement income system showed the best way to have financial security in retirement is owning your own home," he said. "It is people renting in retirement that do it really tough.” Independent Senator Jacqui Lambie expressed her view on the proposal, saying life wasn't "black and white.” "There are things that happen in our lives where that money may come in handy, whether it is part of that money, or 20 per cent of that money, just to keep us afloat," she said. "And especially in the next two years, if we are going into recession, if there are guys out there who can dig in to make sure we can keep the roof over their head, to continue to pay their house rates, we have to be a bit more flexible than that when we are going through tough times." Image credit: Getty

Retirement Life

Ping, your pizza is on its way. Ping, please rate the driver. Yes, constant notifications really do tax your brain

A ping from the pizza company. A couple of pings from your socials. Ping, ping, ping from your family WhatsApp group trying to organise a weekend barbecue. With all those smartphone notifications, it’s no wonder you lose focus on what you’re trying to do do. Your phone doesn’t even need to ping to distract you. There’s <a href="https://psycnet.apa.org/record/2015-28923-001">pretty good</a><a href="https://www.journals.uchicago.edu/doi/full/10.1086/691462">evidence</a> the mere presence of your phone, silent or not, is enough to divert your attention. So what’s going on? More importantly, how can you reclaim your focus, without missing the important stuff? <h2>Is it really such a big deal?</h2> When you look at the big picture, those pings can really add up. Although estimates vary, the average person checks their phone <a href="https://irep.ntu.ac.uk/id/eprint/30085/1/PubSub7601_Andrews.PDF">around 85 times</a><a href="https://www.theage.com.au/national/victoria/trapped-in-the-net-are-we-all-addicted-to-our-smartphones-20190531-p51t44.html">a day</a>, roughly once every 15 minutes. In other words, every 15 minutes or so, your attention is likely to wander from what you’re doing. The trouble is, it can take <a href="https://lifehacker.com/how-long-it-takes-to-get-back-on-track-after-a-distract-1720708353">several minutes</a> to regain your concentration fully after being <a href="https://www.ics.uci.edu/%7Egmark/chi08-mark.pdf">interrupted</a> by your phone. If you’re just watching TV, distractions (and refocusing) are no big deal. But if you’re driving a car, trying to study, at work, or spending time with your loved ones, it could lead to some fairly substantial problems. <h2>Two types of interference</h2> The pings from your phone are “exogenous interruptions”. In other words, something external, around you, has caused the interruption. We can <a href="https://link.springer.com/chapter/10.1007/978-3-319-46276-9_21">become conditioned</a> to feeling excited when we hear our phones ping. This is the <a href="https://onlinelibrary.wiley.com/doi/full/10.1046/j.1360-0443.2002.00015.x">same pleasurable feeling</a> people who gamble can quickly become conditioned to at the sight or sound of a poker machine. What if your phone is on silent? Doesn’t that solve the ping problem? Well, no. That’s another type of interruption, an internal (or endogenous) interruption. Think of every time you were working on a task but your attention drifted to your phone. You may have fought the urge to pick it up and see what was happening online, but you probably checked anyway. In this situation, we can become so strongly conditioned to expect a reward each time we look at our phone we don’t need to wait for a ping to trigger the effect. These impulses are powerful. Just reading this article about checking your phone may make you feel like … checking your phone. <h2>Give your brain a break</h2> What do all these interruptions mean for cognition and wellbeing? There’s increasing evidence push notifications are associated with <a href="https://www.sciencedirect.com/science/article/pii/S2352853217300159">decreased productivity</a>, <a href="https://www.sciencedirect.com/science/article/pii/S2451958820300051">poorer concentration</a> and <a href="https://www.sciencedirect.com/science/article/abs/pii/S0927537116300136">increased distraction</a> at work and school. But is there any evidence our brain is working harder to manage the frequent switches in attention? One study of people’s brain waves <a href="https://www.hindawi.com/journals/cin/2016/5718580/">found</a> those who describe themselves as heavy smartphone users were more sensitive to push notifications than ones who said they were light users. After hearing a push notification, heavy users were significantly worse at recovering their concentration on a task than lighter users. Although push notification interrupted concentration for both groups, the heavy users took much longer to regain focus. Frequent interruptions from your phone can also leave you <a href="https://www.sciencedirect.com/science/article/abs/pii/S0747563219302596">feeling stressed</a> by a need to respond. Frequent smartphone interruptions are also associated with <a href="https://www.sciencedirect.com/science/article/pii/S0360131519301319">increased FOMO</a> (fear of missing out). If you get distracted by your phone after responding to a notification, any subsequent <a href="https://journals.sagepub.com/doi/pdf/10.1177/2050157921993896">procrastination</a> in returning to a task can also leave you feeling guilty or frustrated. There’s <a href="https://www.sciencedirect.com/science/article/pii/S0747563219300883">certainly evidence</a> suggesting the longer you spend using your phone in unproductive ways, the lower you tend to rate your wellbeing. <h2>How can I stop?</h2> We know switching your phone to silent isn’t going to magically fix the problem, especially if you’re already a frequent checker. What’s needed is behaviour change, and that’s hard. It can take several attempts to see lasting change. If you have ever tried to quit smoking, lose weight, or start an exercise program you’ll know what I mean. Start by turning off all non-essential notifications. Then here are some things to try if you want to reduce the number of times you check your phone: <ul> <li> charge your phone overnight in a different room to your bedroom. Notifications can prevent you falling asleep and can repeatedly rouse you from essential sleep throughout the night </li> <li> interrupt the urge to check and actively decide if it’s going to benefit you, in that moment. For example, as you turn to reach for your phone, stop and ask yourself if this action serves a purpose other than distraction </li> <li> try the <a href="https://www.themuse.com/advice/take-it-from-someone-who-hates-productivity-hacksthe-pomodoro-technique-actually-works#:%7E:text=The%20Pomodoro%20Technique%20is%20a,are%20referred%20to%20as%20pomodoros">Pomodoro method</a> to stay focused on a task. This involves breaking your concentration time up into manageable chunks (for example, 25 minutes) then rewarding yourself with a short break (for instance, to check your phone) between chunks. Gradually increase the length of time between rewards. Gradually re-learning to sustain your attention on any task can take a while if you’re a high-volume checker. </li> </ul> Image credits: Getty Images This article originally appeared on <a href="https://theconversation.com/ping-your-pizza-is-on-its-way-ping-please-rate-the-driver-yes-constant-notifications-really-do-tax-your-brain-193952" target="_blank" rel="noopener">The Conversation</a>.

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What are heart rate zones, and how can you incorporate them into your exercise routine?

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Ping, your pizza is on its way. Ping, please rate the driver. Yes, constant notifications really do tax your brain

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