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Is attachment theory actually important for romantic relationships?

<p><em><a href="https://theconversation.com/profiles/marissa-nivison-1454992">Marissa Nivison</a>, <a href="https://theconversation.com/institutions/university-of-calgary-1318">University of Calgary</a> and <a href="https://theconversation.com/profiles/sheri-madigan-417151">Sheri Madigan</a>, <a href="https://theconversation.com/institutions/university-of-calgary-1318">University of Calgary</a></em></p> <p>There has been a recent surge of attention toward attachment theory: from <a href="https://www.tiktok.com/t/ZTL2aW9va/">TikTok videos</a> to <a href="https://quiz.attachmentproject.com/">online quizzes</a> that claim to “assess your attachment style.” It’s become a hot topic, especially in the context of romantic relationships, with <a href="https://medium.com/curious/the-theory-that-explains-all-your-failed-relationships-fb2dc2551617">some articles</a> claiming that one person (or partner’s) attachment styles are the reason why relationships fail.</p> <p>As experts in developmental and clinical psychology focusing on attachment theory, we seek to provide an accessible resource to better understand the science of attachment, and what it means for one’s romantic relationships.</p> <h2>What is attachment?</h2> <p>Attachment theory stems from the field of developmental psychology. It is the notion that in the first year of life, the ways in which a parent and caregiver respond to a child’s needs shape a child’s expectation of relationships across their lifespan.</p> <p>In research, attachment has been associated with well-being across the lifespan including: <a href="https://doi.org/10.1017/S0954579499002035">mental</a> and <a href="https://www.tandfonline.com/doi/full/10.1080/14616734.2018.1541517">physical</a> health, <a href="https://doi.org/10.1037/a0032671">brain functioning</a> and even <a href="https://citeseerx.ist.psu.edu/document?repid=rep1&amp;type=pdf&amp;doi=092354a82953ac321429f84b00607bcd44ac4c63">romantic relationships</a>.</p> <figure class="align-center "><img src="https://images.theconversation.com/files/587576/original/file-20240411-16-x97xu0.jpeg?ixlib=rb-1.1.0&amp;q=45&amp;auto=format&amp;w=754&amp;fit=clip" sizes="(min-width: 1466px) 754px, (max-width: 599px) 100vw, (min-width: 600px) 600px, 237px" srcset="https://images.theconversation.com/files/587576/original/file-20240411-16-x97xu0.jpeg?ixlib=rb-1.1.0&amp;q=45&amp;auto=format&amp;w=600&amp;h=455&amp;fit=crop&amp;dpr=1 600w, https://images.theconversation.com/files/587576/original/file-20240411-16-x97xu0.jpeg?ixlib=rb-1.1.0&amp;q=30&amp;auto=format&amp;w=600&amp;h=455&amp;fit=crop&amp;dpr=2 1200w, https://images.theconversation.com/files/587576/original/file-20240411-16-x97xu0.jpeg?ixlib=rb-1.1.0&amp;q=15&amp;auto=format&amp;w=600&amp;h=455&amp;fit=crop&amp;dpr=3 1800w, https://images.theconversation.com/files/587576/original/file-20240411-16-x97xu0.jpeg?ixlib=rb-1.1.0&amp;q=45&amp;auto=format&amp;w=754&amp;h=572&amp;fit=crop&amp;dpr=1 754w, https://images.theconversation.com/files/587576/original/file-20240411-16-x97xu0.jpeg?ixlib=rb-1.1.0&amp;q=30&amp;auto=format&amp;w=754&amp;h=572&amp;fit=crop&amp;dpr=2 1508w, https://images.theconversation.com/files/587576/original/file-20240411-16-x97xu0.jpeg?ixlib=rb-1.1.0&amp;q=15&amp;auto=format&amp;w=754&amp;h=572&amp;fit=crop&amp;dpr=3 2262w" alt="Illustrations of four different attachment styes" /><figcaption><span class="caption">There are two overarching types of attachment: secure and insecure. Types of insecure attachment include disorganized, avoidant and anxious attachment.</span> <span class="attribution"><span class="source">(Shutterstock)</span></span></figcaption></figure> <h2>How is attachment related to romantic relationships?</h2> <p>Among professionals in the field, there is diversity in perspectives regarding how attachment relates with romantic relationships. As developmental psychologists, we tend to think that attachment is associated with romantic relationships through what we call the “<a href="https://doi.org/10.1080/14616739900134191">internal working model</a>.”</p> <p>In childhood, when a parent is consistent and responsive in tending to their child, the child learns that their parent can be counted on in times of need. These expectations and beliefs about relationships are then internalized as a blueprint, sometimes in popular media referred to as a “<a href="https://medium.com/live-your-life-on-purpose/love-maps-are-a-gamechanger-when-you-have-an-anxious-attachment-style-dc8f219ab0af">love map</a>.” Just like how an architect uses a blueprint to design a building, a child’s attachment to their parents provides a blueprint for understanding how to approach other relationships.</p> <p>Based on this blueprint, people develop expectations of how relationships should work, and how other important people in their life, including partners, should respond to their needs.</p> <p>Sometimes attachment is also described in terms of attachment “styles.” There are two overarching types of attachment: <a href="https://doi.org/10.4324/9780203758045">secure and insecure</a>. Those with a secure attachment style tend to have expectations that their attachment figures (and later, partners) will be responsive, sensitive and caring in times of distress. People with secure “blueprints” find it easier to build new structures (i.e., relationships) with the same design.</p> <p>People with insecure blueprints — such as disorganized, avoidant or anxious attachment styles — may face relationship challenges when their current relationship doesn’t align with their childhood experiences, and may need to renovate their blueprint design together with their partner.</p> <p>Whether you think about attachment as a style or a love map, they both are related to expectations of relationships, which are shaped by past experiences.</p> <p>In research we see that people who had consistent, reliable and sensitive parents are more likely to have more positive relationships — including <a href="https://doi.org/10.1111/j.1475-6811.1997.tb00135.x">friendships</a>, <a href="https://doi.org/10.1111/cdev.13322">teacher-child relationships</a> and yes, <a href="https://citeseerx.ist.psu.edu/document?repid=rep1&amp;type=pdf&amp;doi=092354a82953ac321429f84b00607bcd44ac4c63">romantic relationships too</a>.</p> <h2>Relationships with parents and relationships with partners</h2> <p>Although we do see in research that better childhood relationships are associated with better romantic relationships, there is still a large part of the population who have good relationships with partners, despite their history of lower-quality relationships with their parents.</p> <figure class="align-center "><img src="https://images.theconversation.com/files/587575/original/file-20240411-16-fn5xgk.jpeg?ixlib=rb-1.1.0&amp;q=45&amp;auto=format&amp;w=754&amp;fit=clip" sizes="(min-width: 1466px) 754px, (max-width: 599px) 100vw, (min-width: 600px) 600px, 237px" srcset="https://images.theconversation.com/files/587575/original/file-20240411-16-fn5xgk.jpeg?ixlib=rb-1.1.0&amp;q=45&amp;auto=format&amp;w=600&amp;h=453&amp;fit=crop&amp;dpr=1 600w, https://images.theconversation.com/files/587575/original/file-20240411-16-fn5xgk.jpeg?ixlib=rb-1.1.0&amp;q=30&amp;auto=format&amp;w=600&amp;h=453&amp;fit=crop&amp;dpr=2 1200w, https://images.theconversation.com/files/587575/original/file-20240411-16-fn5xgk.jpeg?ixlib=rb-1.1.0&amp;q=15&amp;auto=format&amp;w=600&amp;h=453&amp;fit=crop&amp;dpr=3 1800w, https://images.theconversation.com/files/587575/original/file-20240411-16-fn5xgk.jpeg?ixlib=rb-1.1.0&amp;q=45&amp;auto=format&amp;w=754&amp;h=569&amp;fit=crop&amp;dpr=1 754w, https://images.theconversation.com/files/587575/original/file-20240411-16-fn5xgk.jpeg?ixlib=rb-1.1.0&amp;q=30&amp;auto=format&amp;w=754&amp;h=569&amp;fit=crop&amp;dpr=2 1508w, https://images.theconversation.com/files/587575/original/file-20240411-16-fn5xgk.jpeg?ixlib=rb-1.1.0&amp;q=15&amp;auto=format&amp;w=754&amp;h=569&amp;fit=crop&amp;dpr=3 2262w" alt="Illustration of loving parents with a child, and the grown child in a loving relationship" /><figcaption><span class="caption">In research we see that people who had consistent, reliable and sensitive parents are more likely to have more positive relationships.</span> <span class="attribution"><span class="source">(Shutterstock)</span></span></figcaption></figure> <p>It is possible for romantic relationships to serve as a <a href="https://doi.org/10.1037/1089-2680.4.2.155">“healing relationship”</a> and improve one’s own internal working model of relationships. Specifically, when a partner is consistently sensitive, responsive and available, a person may begin to adjust their blueprint and develop new expectations from relationships. Attachment theory consistently supports the idea that one’s patterns of attachment <a href="https://eric.ed.gov/?id=EJ960225">can change</a>.</p> <p>So, all in all, the answer is no: Your relationship with your parents influences but does not <em>determine</em> the quality of your romantic relationships.</p> <h2>Is attachment the reason why my relationships don’t work out?</h2> <p>It is possible that your expectations of a romantic relationship may not align with the expectations of your partner, and may affect the quality of the relationship. For example, sometimes individuals with insecure attachments may withdraw when they are upset, but their partner who has a secure attachment may be upset that their partner is not coming to them for comfort.</p> <p>Thinking through your own attachment history and expectations of relationships may be a great opportunity for self-reflection, but it is important to remember that attachment is only one part of a relationship. Communication, trust and respect, to name a few, are also critically important aspects of a relationship.</p> <h2>Can I improve my attachment expectations?</h2> <p>The short answer: Yes! Improving attachment quality has been one of the cornerstones of attachment theory and research since its conception. Most commonly, attachment is targeted in <a href="https://www.youtube.com/channel/UC0LCPe5CMarYi1NmqNttDcg/videos">childhood through interventions</a>, but also in adulthood through individual therapy, or various forms of couples therapy, such as <a href="https://www.youtube.com/watch?v=xaHms5z-yuM">Emotionally Focused Therapy</a> or the <a href="https://www.gottman.com/about/the-gottman-method/">Gottman Method</a>.</p> <p>It is also possible that through positive relationships you may be able to improve your own expectations of relationships. There are many different avenues to explore, but improvement is always possible.</p> <p>In sum, attachment can be an important factor in romantic relationships, but it is not a “catch-all” to be blamed for why relationships may not work out. Thinking about your own expectations for relationships and talking through those with your partner may do great things in improving the quality of your relationships!  <!-- Below is The Conversation's page counter tag. Please DO NOT REMOVE. --><img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/226101/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /><!-- End of code. If you don't see any code above, please get new code from the Advanced tab after you click the republish button. The page counter does not collect any personal data. More info: https://theconversation.com/republishing-guidelines --></p> <p><em><a href="https://theconversation.com/profiles/marissa-nivison-1454992">Marissa Nivison</a>, Postdoctoral Research Fellow, Department of Psychology, <a href="https://theconversation.com/institutions/university-of-calgary-1318">University of Calgary</a> and <a href="https://theconversation.com/profiles/sheri-madigan-417151">Sheri Madigan</a>, Professor, Canada Research Chair in Determinants of Child Development, Owerko Centre at the Alberta Children’s Hospital Research Institute, <a href="https://theconversation.com/institutions/university-of-calgary-1318">University of Calgary</a></em></p> <p><em>Image credits: Getty Images </em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/is-attachment-theory-actually-important-for-romantic-relationships-226101">original article</a>.</em></p>

Relationships

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Channel 9 host goes public with new romance

<p>Channel 9 personality Sophie Walsh has gone public with her relationship with Sydney Sixers cricketer Moises Henriques. </p> <p>The Today host confirmed their relationship with an adorable photo of the couple from inside Taylor Swift’s Saturday night blockbuster at Accor Stadium in Sydney.</p> <p>The pair were pictured cuddling up to each other as they posed with Taylor Swift playing in the background. </p> <p><em>News Corp</em> first revealed the pair have quietly been seeing each other recently, with the first signs of their relationship shared on Walsh's Instagram page in January.</p> <p>The couple posed in one of the stadiums with their arms around each other and Walsh captioned it with a simple black heart emoji. </p> <p>Radio and TV presenter Dan Anstey, who was one of the first to comment on the picture at the time, playfully said: "He's a keeper."</p> <p><em>Today Show </em>colleague Jayne Azzopardi wrote: "This makes me happy ❤️ 🏏"</p> <p>"Love this," added Tracy Vo. </p> <p>"Winners are grinners. ❤️" wrote<em> Nine News</em> weather presenter, Belinda Russell.  </p> <p>Henriques, 37, is a popular figure in Australian cricket, having represented Australia in all three formats of the game.</p> <p>He has a a four-year-old son from his former marriage with ex-partner Krista Thomas, who he got married to in 2018. </p> <p>Henriques has not yet shared any photos with Walsh on his own Instagram page.</p> <p><em>Images: Instagram</em></p>

Relationships

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War veteran loses $18,000 to Netflix scam

<p>Shane Arnold, 71, was left with nothing after he fell for an elaborate Netflix scam, allegedly run by a teenager. </p> <p>The war veteran was robbed of $18,000 when he thought he was entitled to a refund after receiving a fake Netflix email.</p> <p>After he entered his personal banking details, the accused scammer allegedly used this information to call Arnold the following day claiming to be a security officer from Commonwealth Bank.</p> <p>"(It was) extremely convincing," Arnold told <em>9News</em>. </p> <p>"He spoke in a posh English accent."</p> <p>Arnold was allegedly told by a 19-year-old, whose voice had been disguised with AI, that his account had been compromised and ordered to put his bank cards in a bag, to be collected by a driver.</p> <p>Hours later, the accused teen who is from Braybrook, Melbourne allegedly withdrew thousands of dollars from ATMs in Braybrook and West Footscray, and purchased dozens of gift cards from Kmart.</p> <p>He also allegedly filled up on fuel, bought a new iPhone, and some strawberry milk and ice cream. </p> <p>The teen has since been charged over the incident, but Arnold is still fighting hard to get his money back. </p> <p>"I've worked for 50-odd years to get that money," he told the publication, adding that he felt "like my heart had been ripped out".</p> <p>The senior also claimed that the bank was partly to blame, and has lodged a report to the Australian Financial Complaints Authority (AFCA) who are currently managing his case. </p> <p>Arnold added that Commonwealth Bank had only offered to reimburse him $1000, and said that everyone who'd been scammed deserved to have their money returned to them.</p> <p>"I hope all those people get their money back," he said.</p> <p>"None of them deserved to be scammed and none of them did anything wrong."</p> <p><em>Images: Nine News</em></p>

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"It was devastating": Grandfather loses $1 million in scam before his death

<p>A "vulnerable" and "lonely" grandfather lost over $1 million in a complex scam in the months before he died, with his son now issuing a warning to others. </p> <p>Adrian Heartsch was described by his family as a "frugal" man, who had no experience with online banking before becoming involved in the scam. </p> <p>“Unless he knew exactly what he was paying for – he wouldn’t pay for it,” his son Simon Heartsch told <em>A Current Affair</em>.</p> <p>“I said to him if somebody can scam you, they can scam anybody.”</p> <p>He soon connected with someone online, who called themselves a woman named Vida and charmed him with sweet talk and pet names, and soon earned his trust.</p> <p>“He wasn’t alone, but he was lonely. He had no company, he didn’t even have his dog anymore to talk to,” his son told <em>ACA</em>. “So I guess he’s vulnerable in that way.”</p> <p>The woman convinced Mr Heartsch to send her several Apple gift cards, claiming he would be given over $20 million worth of gold bars or gold bullion in return.</p> <p>She also promised the grandfather that she would come to Australia and live “happily ever after” with him. </p> <p>Simon only discovered the truth about his father's finance and the long-running scam when Adrian landed in hospital. </p> <p>“We brought up these emails that were just gobsmacking,” he said. “The story grew from $300,000 to $600,000 to up and up and up … over a million dollars.”</p> <p>The ruse had been going on for three years, and saw Mr Heartsch buy up to $10,000 worth of Apple gift cards from several shops in a single day. </p> <p>Simon said his father was “mortified” after learning the truth and didn’t want to pursue a case with the police.</p> <p>The scam cost the 77-year-old almost everything, robbing him of his savings, truck and caravan, leaving him with only his home. </p> <p>Shortly after, Mr Heartsch fell “sicker and sicker” as his health deteriorated, and he passed away a month after his family learned of the scam.</p> <p>“It was like all this was the nail in the coffin, it was devastating for him, his whole life savings he’s lost,” said Simon.</p> <p>Adrian's family went searching for answers, and with the help of a cyber security expert, discovered that the scammer was operating out of Ghana in West Africa. </p> <p>Following his father’s death, Simon urged others to watch out for loved ones who may be vulnerable to “horrible” scammers. </p> <p>“They’re ruining peoples’ lives. They’re speeding up people’s deaths,” he said. “They’re preying on the vulnerable.”</p> <p><em>Image credits: A Current Affair </em></p>

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Is Valentine’s Day worth the romantic investment? Here’s what we can learn from economics

<p><em><a href="https://theconversation.com/profiles/selma-wather-1510222">Selma Wather</a>, <a href="https://theconversation.com/institutions/university-of-sussex-1218">University of Sussex</a></em></p> <p>Expressing affection can be expensive. Spending on heart-shaped gifts, romantic cards, chocolates and flowers (other gifts are available) to celebrate Valentine’s Day has reached <a href="https://www.statista.com/statistics/510981/valentines-day-total-spending-great-britain/#:%7E:text=In%20the%20United%20Kingdom%20%28UK%29%20alone%2C%20Valentine%E2%80%99s%20Day,increased%20by%20just%20over%20300%20million%20British%20pounds.">close to £1 billion</a> in the UK.</p> <p>So the value of Valentine’s to retailers seems clear enough. But just how valuable is the annual ritual to consumers? What return can you expect for the money you invest in that bouquet of roses or candle lit meal?</p> <p>Broadly speaking, and depending on your relationship status, buying into Valentine’s Day traditions suggests two possible scenarios. You might be sending a card or gift to a potential partner to inform them of your interest; or you might be giving something to your current partner to remind them of your continuing love.</p> <p>Research suggests that both options have intrinsic economic value.</p> <p>For those seeking to express interest, sending a card is like dipping your toe into what economists might refer to as the “marriage market” – the search for someone you like, who likes what you have to offer in return.</p> <p>This search can happen smoothly, with plenty of information about your potential match, or it can be paved with obstacles, where you may not know much about who is available, and <a href="https://papers.ssrn.com/sol3/papers.cfm?abstract_id=1703310">learning about potential partners</a> takes time.</p> <p>So suppose you are searching for a partner, and comprehensive information about potential matches is not freely available. What do you do?</p> <p>One option might be to put all your hopes into meeting someone on your daily journey to work. You pray that one day, just like in the movies, you will simply bump into “the one”.</p> <p>A second option might be to focus your search on single work colleagues, or people you know socially, and send Valentine’s Day cards to those you are attracted to.</p> <p>The option with the highest chance of success is the second one. You are using reliable information – knowledge of who is single. And sending a card to them can provide them with important information about you – that you’re also single, and that you’re interested. This is why research suggests that sending a Valentine’s Day card can be a <a href="https://www.jstor.org/stable/2938374?origin=crossref">logical investment</a> of time and money.</p> <h2>‘Match quality’</h2> <p>Fast forward five years or so and imagine you are happily married to the recipient of one of those cards. Is it worth repeating the gesture now that you’re settled down together?</p> <p>Economists think of marriages or partnerships as having an inherent “<a href="https://onlinelibrary.wiley.com/doi/abs/10.1111/j.1468-2354.2006.00385.x">match quality</a>”, which reflects how good (or bad) your relationship is – and the likelihood of you breaking up.</p> <p>If match quality falls below the level of happiness you might expect to have if you were to leave, a <a href="https://papers.ssrn.com/sol3/papers.cfm?abstract_id=2759255">separation may well follow</a>. But many studies also show that <a href="https://www.jstor.org/stable/2535409">match quality is malleable</a> – that it can change, for better and indeed for worse, over time.</p> <p>You can invest in trying to improve match quality in various ways. It might be starting a family, sharing hobbies and interests, or gestures such as cooking a special meal or exchanging gifts on the 14th day of February. Improving your match quality <a href="https://www.researchgate.net/publication/228431914_How_Does_the_Change_of_Marriage_Quality_Affect_Divorce_Decisions">directly reduces the probability</a> of a separation.</p> <p>Then there’s the question of commitment – the willingness to stay in a relationship rather than walking away. And again, gestures can make a difference.</p> <p>Imagine you have just started a new job, and your employer asks you to complete an intensive training session in your free time, for a skill that would only be useful for that particular role. If you expect to hold the job for a long period, you might happily invest your time. But if your employer is struggling financially and redundancy is on the cards, you are much less likely to agree to perform the task.</p> <p>Relationships work in a similar way. People are more prepared to invest in things like having children or buying a house together if they expect the relationship to last. Given that commitment is not guaranteed by a marriage certificate, people <a href="https://papers.ssrn.com/sol3/papers.cfm?abstract_id=950688">need to find other ways</a> to signal their continued devotion.</p> <p>Celebrating Valentine’s Day is one way of making such a signal. It can show faith in your shared commitment, signify that you wish to continue investing in the relationship and improve match quality, further stabilising the partnership.</p> <p>So even if deep down you think that Valentine’s Day has become over commercialised and meaningless, research suggests it makes good economic sense to send that card.<!-- Below is The Conversation's page counter tag. Please DO NOT REMOVE. --><img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/223128/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /><!-- End of code. If you don't see any code above, please get new code from the Advanced tab after you click the republish button. The page counter does not collect any personal data. More info: https://theconversation.com/republishing-guidelines --></p> <p><a href="https://theconversation.com/profiles/selma-wather-1510222"><em>Selma Wather</em></a><em>, Senior Lecturer in Economics, <a href="https://theconversation.com/institutions/university-of-sussex-1218">University of Sussex</a></em></p> <p><em>Image credits: Getty Images </em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/is-valentines-day-worth-the-romantic-investment-heres-what-we-can-learn-from-economics-223128">original article</a>.</em></p>

Money & Banking

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“Unbelievably legitimate”: Deb Knight falls victim to popular scam

<p>Deb Knight has shared how she fell victim to a popular scam, losing $1,200 while trying to get Taylor Swift tickets for her daughter's birthday. </p> <p>Like many people around Australia, the veteran journalist was eager to get her hands on tickets to the highly anticipated Eras Tour as a once in a lifetime surprise for her eight-year-old daughter's birthday present.</p> <p>After missing out on tickets through all official channels, Deb thought hope was lost, until a friend reached out to her. </p> <p>“A really good friend, who I’ve known all my life, contacted me and said, ‘do you still want Taylor Swift tickets?’” Knight told <em>A Current Affair</em>.</p> <p>“It was my daughter’s eighth birthday and getting my hands on these tickets would be the best present ever."</p> <p>“My friend put me in contact with her friend who had the tickets – or so I thought.”</p> <p>Knight had received a phone call from her close friend who said her cousin was selling tickets, but unbeknownst to everyone involved, the friend’s Facebook account had been hacked. </p> <p>Deb promised to pay half the cost of the tickets as a bond, then pay the rest after she had seen the tickets, which she said looked “unbelievably legitimate". </p> <p>Tech expert Trevor Long joined Deb on <em>ACA</em>, and noticed one major error about the fake tickets. </p> <p>“The difference is a genuine Taylor Swift ticket in an Apple Wallet right now does not have that barcode.”</p> <p>Alarm bells started ringing for the veteran journalist when the so-called seller said the payment had not come through, but by then it was too late.</p> <p>Deb contacted her bank but it was too late to get her $1,200 back, and her hunt to find Taylor Swift tickets continued. </p> <p>“I realised I’d been scammed. I felt sick to the stomach, absolutely humiliated. I also felt embarrassed and ashamed,” she said.</p> <p>“I was reluctant to speak publicly about this but I think we’ve got to. We have to normalise it so people feel there’s less of a stigma about it."</p> <p>“It happens to everyone, even Deb Knight – it’s disgusting, what’s happening, so something needs to be done.”</p> <p>Police have warned Swifties who missed out on tickets to the singer’s upcoming tour not to fall prey to ticketing scams, and only to purchase tickets through official channels such as Ticketek marketplace. </p> <p>Since tickets for the Eras tour went on sale last June, and subsequently sold out in record timing, Victoria Police said there had been more than 250 reports of ticketing scams for Taylor Swift shows alone.</p> <p><em>Image credits: A Current Affair</em></p>

Money & Banking

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"Too good to be true": Bank teller saves couple from losing $40k

<p>A Tasmanian couple have been saved from losing $40k into an online investment scam after a bank teller noticed the red flags. </p> <p>The couple visited the NAB branch in Rosny, Hobart after their account was blocked during an attempt to transfer the money to an ‘online investment firm’ in Perth. </p> <p>The payment was the first of two instalments that they were set to pay the "firm" but NAB Customer Advisor Erin Bugg saved them from a massive loss. </p> <p>Bugg became suspicious of the firm after they promised a 12 per cent return on their term deposit  and a guaranteed pay out if the firm went bust. </p> <p>“If there was a scam red flags bingo card, ‘online investment opportunity’ would be top of the list,”  the NAB Customer Advisor said. </p> <p>“Immediately, alarm bells went off for me. It sounded like an investment scam and I was concerned this couple could lose their life savings.” </p> <p>The couple, however, insisted that they weren't being scammed so Bugg decided to look into the matter further and found a website and article about the firm. </p> <p>When she looked into the rates they offered she realised it “was literally too good to be true." </p> <p>“No one likes to be told they’re being lied to, especially when they feel like they’ve done all the right things. They had done their own research, and even spoken to the company on the phone,” she said. </p> <p>She added that "alarm bells" started ringing when the wife explained that a man from the firm kept calling her to thank her for the investment and encourage her to open an account. </p> <p>The couple then rang the "firm" in front of Bugg to try and convince her it was real. </p> <p>“I declined to speak to the ‘firm’, but I could hear them telling the customers, ‘Oh, NAB always flags us as a scam’,’”  she recalled. </p> <p>NAB’s fraud team then informed them that the firm had a bank account at another bank, and to call the bank to confirm whether it was legit. </p> <p>After calling the other bank, they found that the account was not connected to the investment firm and suggested them to not transfer anything. </p> <p>“It was such a relief to hear from the customer that they’d avoided being scammed,” Bugg said. </p> <p>This comes after Scamwatch received  over 7,000 reports of investment scams collectively costing Aussies  over $275 million in the last year. </p> <p><em>Image: NAB </em></p>

Money & Banking

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Aussie grandma and former Greens candidate jailed in Japan claims she was scammed

<p>Donna Nelson, a 57-year-old Perth grandmother, has found herself entangled in a nightmarish situation in a Japanese prison, accused of a crime she vehemently denies.</p> <p>Nelson, an Aboriginal health advocate and former Greens candidate, has been incarcerated for nearly a year without a trial date set, facing allegations of attempting to smuggle two kilograms of meth into Japan. However, her plight is not as straightforward as it may seem, and her family and legal team are tirelessly fighting to clear her name.</p> <p>The ordeal began on January 4, when Nelson was arrested at Narita Airport in Tokyo. Authorities claimed to have discovered drugs concealed within a false compartment in her luggage. According to the prosecution, a customs officer suspected her of acting suspiciously. But the narrative has taken a complex turn as Nelson's defence team unveiled a shocking revelation: she alleges she was deceived and manipulated by a Nigerian scammer who had groomed her for two years.</p> <p>Since her arrest, Nelson has been confined to Chibu prison, located an hour outside Tokyo. Her living conditions are appalling; she spends 23 hours a day isolated in her cell, showers are allowed only every three days, and communication with other inmates and visitors is strictly prohibited. This form of treatment is a reflection of Japan's infamous "hostage justice" strategy, aimed at coercing confessions from detainees.</p> <p>The only individuals granted access to Nelson are her lawyers, Australian embassy representatives, and a pastor. Legal representatives have identified a significant issue with translation throughout the case, and it could very well hinge on an inaccurate translation by the customs officer at the time of her arrest.</p> <p>Rie Nishida from Shinjuku International Law Firm, one of Nelson's lawyers, explained, "The main evidence from the prosecution is mainly a customs officer who said she acted suspiciously. There's a lot of mistranslation that's also the difficulty in this case."</p> <p>This mistranslation issue is not trivial; it extends to the messages exchanged between Nelson and the man she believed she had a romantic connection with, who ultimately turned out to be a scammer.</p> <p>Matthew Owens, another member of the legal team and a translator for the case, noted, "Some of them were completely wrongly translated, so we had to re-translate those messages and submit them back to the prosecutor."</p> <p>Nelson remains steadfast in her conviction that she is innocent of the accusations against her. Her lawyer,  Owens, relayed her message, saying, "Donna wants to say that she is going to be able to prove her innocence, she's 100 per cent confident of that, and she wants everyone in Australia and the world to know she is innocent."</p> <p>If found guilty, Nelson could face a harrowing 20-year sentence in a Japanese prison, a terrifying prospect for both her and her family. Her five daughters and grandchildren are distraught, but they are not giving up the fight to prove her innocence. They believe they have evidence to substantiate the claim that she was scammed and unjustly accused.</p> <p><em>Image: Australian Greens</em></p>

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1 in 6 older adults fall victim to impersonation scams

<p>More older adults are likely to fall victim to scams than are currently recognised according to new US research. The problems are global. </p> <div class="copy"> <p>A research team from Rush University Medical Center in Chicago, US, says older Americans who aren’t cognitively impeded, are also at risk.  </p> <p>In their study <a href="https://10.1001/jamanetworkopen.2023.35319" target="_blank" rel="noreferrer noopener">published</a> today in <em>JAMA Network Open</em>, the group reports on a behavioural experiment where they targeted 644 adults aged 64-104 in Rush’s Memory and Aging Project – a local scheme that draws on participants from metropolitan Chicago to participate in research – with a pitch mimicking a real-world impersonation scam. </p> <p>The study’s fictitious ‘US Retirement Protection Task Force’ pitched itself to participants as a government social security initiative.  </p> <p>This USRPTF told participants via either post, email or a telephone call there’d been irregular activity on their Medicare or social security file and the inquiry was a routine account security check. As part of this, the fake agency asked participants to call a telephone hotline or login to a provided website to provide their details.  </p> <p>Over two-thirds of the study failed to respond to any attempts to obtain information by the phoney scheme.  </p> <p>The remainder were evenly split by either responding to requests for contact, but expressing scepticism at the authenticity of the USRPTF, or by responding and engaging with the request for information.  </p> <p>Those who were engaged with the request for information, but expressed doubts, were also those with the highest cognitive performance, and lowest proportion of dementia. They were also the most financially literate participants, while those who provided their details had the lowest literacy. </p> <p>Those who provided details were also found to have the lowest scam awareness of all participants.  </p> <p>Among this group, 1 in 10 willingly provided personal information and 1 in 5 provided details of their social security number.  </p> <p>“If extrapolated to a population level, these numbers are astounding and suggest that a very large number of older adults are at risk of victimisation,” the authors say. </p> <p>They also note that, given the use of a fictitious US government organisation name, the number of people vulnerable to well-organised scams is likely much higher.  </p> <p>Last year, the US National Council on Aging reported 92,371 older Americans were defrauded of a total of US$1.7 billion. Most were victims of government department impersonation, sweepstakes and robocall scams. Often such scams will simply demand payment while ‘spoofing’ the phone number of a government agency to add the veil of legitimacy. </p> <p>It’s a similar story around the world. This year, the Australian Competition and Consumer Commission found Australians lost a record $3.1 billion last year, mostly via phone scams. Australians over 65 years of age accounted for a quarter of losses and reports.  </p> <p>The UK’s Action Fraud initiative found Britons lost about ₤2.35 billion in the 2020/21 financial year, with those aged 50-69 most susceptible to falling victim.  </p> <div> <p align="center"><noscript data-spai="1">&amp;lt;img decoding="async" class="aligncenter size-full wp-image-198773" src="https://cdn.shortpixel.ai/spai/q_lossy+ret_img+to_auto/cosmosmagazine.com/wp-content/uploads/2023/09/Issue-100-embed.jpg" data-spai-egr="1" alt="Subscribe to our quarterly print magazine" width="600" height="154" title="1 in 6 older adults fall victim to impersonation scams 2"&amp;gt;</noscript></p> </div> <p><em>Image credits: Getty Images</em></p> <p><em><a href="https://cosmosmagazine.com/people/society/1-in-6-older-adults-fall-victim-to-impersonation-scams/">This article</a> was originally published on <a href="https://cosmosmagazine.com">Cosmos Magazine</a> and was written by <a href="null">Cosmos</a>. </em></p> </div>

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How to make a perfect romcom – an expert explains the recipe for romance

<p><em><a href="https://theconversation.com/profiles/christina-wilkins-1454385">Christina Wilkins</a>, <a href="https://theconversation.com/institutions/university-of-birmingham-1138">University of Birmingham</a></em></p> <p>Picture the scene: it’s a dreary weeknight evening, you’re tired from work, and you want to watch something that will pick you up. My guess is that some of you – perhaps more than would admit it – would pick a romantic comedy.</p> <p>Over the years the romcom has been designated as “chick flick”, dismissed at awards ceremonies (the best picture Oscar primarily goes to <a href="https://www.backstage.com/magazine/article/movie-genres-perform-best-oscars-2179/">drama films</a>) and frequently panned by critics. Yet, critics are not the only ones buying cinema tickets or watching streaming services.</p> <p>A 2013 <a href="https://archive.nytimes.com/economix.blogs.nytimes.com/2013/08/14/reviewing-the-movies-audiences-vs-critics/">article</a> from the New York Times found that the romcom was one of the genres most likely to divide audience and critical opinion. Like many other things that are classified as “women’s things”, the romcom is often spoken of as a “guilty pleasure”.</p> <p>Researchers such as Claire Mortimer, who <a href="https://www.routledge.com/Romantic-Comedy/Mortimer/p/book/9780415548632">writes about comedy</a> and women, argue that the dismissal is not just down to the genre’s <a href="https://stjohnslis.libguides.com/c.php?g=1277106&amp;p=9378728">status as “women’s films”</a> but also because romcoms are genre films. Such films are often seen as repetitive – they rely on a number of tropes to be wheeled out again and again and we come to expect certain styles, stories and characters. Some films become key examples of a genre, a kind of “best of”, and form a template which the others either imitate or diverge from.</p> <p>That’s not to say that all romcoms are the same. But there’s a dominant form that we think of as being definitive, called the “neo-traditional romcom”. Tamar McDonald, a professor in film, <a href="https://books.google.co.uk/books?id=9Bk-mkvdPYcC&amp;printsec=copyright&amp;redir_esc=y#v=onepage&amp;q&amp;f=false">argues that</a> this is the main form of the genre now – one that “has no use for realism”.</p> <p>This can be seen in characters running through airports, the absurd lack of communication between love interests and the convenient mishaps. Without these elements though, the resolution wouldn’t be as sweet.</p> <h2>The perfect romcom</h2> <p>So what are the ingredients for a perfect romcom? Looking at the lists of the <a href="https://www.timeout.com/film/the-70-best-romcoms-of-all-time">best romcoms of all time</a> – which the internet <a href="https://www.vanityfair.com/hollywood/2018/08/best-romantic-comedies-list">isn’t short of</a> – we see similar tropes popping up repeatedly. One popular favourite, <a href="https://www.timeout.com/film/the-70-best-romcoms-of-all-time">When Harry Met Sally</a> (1989), features the “friends to lovers” storyline. This reoccurs in more recent films like <a href="https://www.youtube.com/watch?v=iHBcWHY9lN4">Always Be My Maybe</a> (2019).</p> <p>Within a romcom, there typically has to be miscommunication – and lots of it. Although a relationship can blossom steadily, often unknown to the characters themselves, romcoms usually feature a pivotal moment where one character is not understood by the person they want.</p> <p>This miscommunication is also underpinned by conflict. Leger Grindon, an expert <a href="https://www.google.co.uk/books/edition/The_Hollywood_Romantic_Comedy/okkZPTEnYqMC?hl=en&amp;gbpv=1&amp;dq=Leger+Grindon+rom+coms&amp;printsec=frontcover%22%22">in romantic comedies</a>, breaks these kinds of conflict into three major fields: between parents and children, the two characters who are dating, or when someone has to choose between personal development and sacrifice.</p> <p>We’ve seen examples of all of three over the years. Children defying their parents’ wishes to be with someone they love is a common theme in the queer love story, like <a href="https://www.youtube.com/watch?v=h58HkQV1gHY">Happiest Season</a> (2020), but is also present in other films, like My <a href="https://www.youtube.com/watch?v=O2mecmDFE-Q">Big Fat Greek Wedding</a> (2002).</p> <figure><iframe src="https://www.youtube.com/embed/O2mecmDFE-Q?wmode=transparent&amp;start=19" width="440" height="260" frameborder="0" allowfullscreen="allowfullscreen"></iframe><figcaption><span class="caption">My Big Fat Greek Wedding hinges on conflict between family and love.</span></figcaption></figure> <p>Conflict between the needs of the love interests can be seen in <a href="https://www.youtube.com/watch?v=zZKAA5DRF4A">What Women Want</a> (2000). And the conflict between personal development and sacrifice has been a common theme of many recent Netflix romcoms such as <a href="https://www.youtube.com/watch?v=MX6wAGuIMCg">Hello, Goodbye and Everything in Between</a> (2022) or <a href="https://www.youtube.com/watch?v=km7gv28_uX0">The Holiday Calendar</a> (2019). In Hallmark Christmas films (their own sub-genre of the romcom) like <a href="https://www.youtube.com/watch?v=GWKYnKGN8OA">Just In Time for Christmas</a> (2015), women often have to choose between their career and their relationship, a common recurrence for the Christmas sub-genre especially.</p> <p>Romcoms can provide escapism, but at their heart the glue of the genre is finding connection through love and laughter. How realistic this is may be shifting, with more recent examples in film and television providing more cultural critique (see comedian Rose Matafeo’s brilliant <a href="https://www.youtube.com/watch?v=AtHC1VmrNXM">Starstruck</a> series, streaming on BBC Three for example).</p> <p>The parameters for the characters of these stories are also changing. Once predominantly white and straight, the genre is opening up to a range of different stories. Recent examples like <a href="https://theconversation.com/red-white-and-royal-blue-review-this-queer-romcom-puts-a-new-spin-on-the-us-and-uks-special-relationship-211533">Red, White, and Royal Blue</a> (2023) and <a href="https://www.imdb.com/title/tt9731598/">Bros</a> (2022) put gay male romance front and centre, while <a href="https://www.imdb.com/title/tt15893750/">Rye Lane</a> (2023) and <a href="https://theconversation.com/crazy-rich-asians-a-movie-and-a-movement-101568">Crazy Rich Asians</a> (2018) foreground non-white protagonists.</p> <p>Perhaps this is because – as <a href="https://www.routledge.com/Romantic-Comedy/Mortimer/p/book/9780415548632">Mortimer</a> argues – the genre is concerned with “perennial themes” of love and identity. In a moment where definitions and understandings of identity are shifting, the romcom provides an ideal place to think through these issues in a comforting way. Or perhaps we just need the optimism we associate with the genre at a time of war and economic crisis.</p> <p>Although there may be classics and new challengers emerging for the title of the best, the perfect romcom is one that shows that, despite all the challenges life may throw at us, there is sometimes a happy ending.</p> <p><em><a href="https://theconversation.com/profiles/christina-wilkins-1454385">Christina Wilkins</a>, Lecturer in Film and Creative Writing, <a href="https://theconversation.com/institutions/university-of-birmingham-1138">University of Birmingham</a></em></p> <p><em>Image credits: Getty Images</em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/how-to-make-a-perfect-romcom-an-expert-explains-the-recipe-for-romance-212487">original article</a>.</em></p>

Movies

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Hilarious reason dad couldn't be fooled by online scam

<p>One savvy dad has outwitted a scammer who posed as his daughter, after the scammer made one hilarious error. </p> <p>Ian Whitworth, a dad from Sydney, took to his LinkedIn page to share the message a scammer texted him in a classic phishing scam that targets parents. </p> <p>He shared the photo of what he thought was the "funniest phishing text any parent has ever received".</p> <p>The text read, "Hey dad, dropped my phone in the sink while doing the dishes. Its unresponsive this is my new number for now just text me here x."</p> <p>Despite the terrible grammar and punctuation that would immediately alert anyone to the possibility of a scam, it was something else that caught the dad's attention. </p> <p>Instead, Whitworth said it was the fact his daughter would never do the chore mentioned by the scammers.</p> <p>Still, he thought it was worth sharing a photo of the text in a bid to warn others, which he uploaded along with the comment, "Cybersecurity update. I just got this."</p> <p>"Perhaps the funniest phishing txt any parent has ever received. 'Doing the dishes', yeah, for sure."</p> <p>In a reply to one of the people who commented on his post, Whitworth joked that his daughter "at age four emerged from my parents' kitchen with a shocked look on her face. 'What's pop doing?'. He was washing up in the sink."</p> <p>Another commenter wrote, "Haha! There is NO WAY this is from my son or daughter, that's for sure."</p> <p>Another commenter said the giveaway that it wasn't from his own child was that they didn't immediately ask for money, to which Whitworth replied, "Ha, yeah, the phishers are like the seven step ladder of confidence before the money issue gets raised. Actual kids: MONEY NOW."</p> <p>According to the federal government's Scamwatch website run by the Australian Competition and Consumer Commission (ACCC), the "Friends/Family Hi Mum" impersonation scam was common.</p> <p>"Scammers send messages pretending to be a family member or a friend desperate for money," it said.</p> <p>"They say they have a new phone and they need you to pay money to help them out of a crisis."</p> <p>Scamwatch warns: "Don't assume a person you are dealing with is who they say they are" and offers the following advice.</p> <p>"If someone you know sends a message to say they have a new phone number, try to call them on the existing number you have for them, or message them on the new number with a question only they would know the answer to," it said.</p> <p>"That way you will know if they are who they say they are."</p> <p><em>Image credits: Getty Images / LinkedIn</em></p>

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"Ignore, delete and report": Cruel Medicare scam on the rise

<p>The Australian Competition and Consumer Commission’s Scamwatch has warned Aussies against a suspicious Medicare email going around claiming that their services have been suspended. </p> <p>The email states that Medicare services have been suspended because of incomplete customer medical records and contains a link for them to update their medical records to access the service. </p> <p>“Fake emails impersonating Medicare are doing the rounds claiming Medicare services have been suspended," a spokesperson for the consumer watchdog wrote in a tweet.</p> <p>“Ignore the email and the instruction to reactivate your Medicare services — it’s a scam.”</p> <p>"Ignore, delete, and report to Scamwatch." </p> <blockquote class="twitter-tweet"> <p dir="ltr" lang="en"><a href="https://twitter.com/hashtag/scamalert?src=hash&ref_src=twsrc%5Etfw">#scamalert</a>: Fake emails impersonating Medicare are doing the rounds claiming Medicare services have been suspended. <br />Ignore the email and the instruction to reactivate your Medicare services - it's a scam. <br />Ignore, delete, and report to Scamwatch <a href="https://t.co/qPicjZTOSW">https://t.co/qPicjZTOSW</a> <a href="https://t.co/8UhY7JnlFk">pic.twitter.com/8UhY7JnlFk</a></p> <p>— NASC Scamwatch (@Scamwatch_gov) <a href="https://twitter.com/Scamwatch_gov/status/1689849418793566208?ref_src=twsrc%5Etfw">August 11, 2023</a></p></blockquote> <p>Services Australia also advised customers to beware of emails and texts that sound urgent, make promises of financial benefit, and threaten with fines, debts or jail. </p> <p>“If you’ve clicked on a suspicious link or given your personal information to a scammer, call our <a href="https://www.servicesaustralia.gov.au/phone-us?context=64107" target="_blank" rel="noopener">Scams and Identity Theft Helpdesk</a>,” the website states. </p> <p><em>Image: Getty</em></p>

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Air travel is in a rut – is there any hope of recapturing the romance of flying?

<p><em><a href="https://theconversation.com/profiles/christopher-schaberg-1451119">Christopher Schaberg</a>, <a href="https://theconversation.com/institutions/arts-and-sciences-at-washington-university-in-st-louis-5659">Arts &amp; Sciences at Washington University in St. Louis</a></em></p> <p>Amelia Earhart broke a transcontinental speed record 90 years ago, in July 1933, by flying <a href="https://airandspace.si.edu/multimedia-gallery/web11183-2009640jpg">her signature red Lockheed Vega</a> from Los Angeles to New Jersey in just 17 hours, seven and a half minutes. Earlier that year, Earhart had flown as an observer on a Northwest Airways winter flight across the U.S., testing the possibilities of a “Northern Transcontinental” route.</p> <p>Because those early airplanes couldn’t reach high altitudes, they weaved through dangerous peaks and the erratic weather patterns that mountain ranges helped create. One co-pilot <a href="https://www.deltamuseum.org/about-us/blog/from-the-hangars/2019/07/24/delta-stories-amelia-earhart">remembers the journey</a> as “seat-of-the-pants flying across the Dakota and Montana plains and through, over and around the Western mountain ranges.”</p> <p>How does air travel today compare?</p> <p>I’ve studied <a href="https://www.theatlantic.com/technology/archive/2018/02/engine-failure/552959/">airplane technology</a>, <a href="https://www.theatlantic.com/technology/archive/2013/09/a-forgettable-passage-to-flight/279346/">airport design</a> and <a href="https://www.upress.umn.edu/book-division/books/grounded">cultural attitudes</a> toward air travel, and I’ve noticed how aspects of flying seem to have calcified over time.</p> <p>Long-distance flight <a href="https://theconversation.com/longing-for-the-golden-age-of-air-travel-be-careful-what-you-wish-for-34177">advanced rapidly between the 1930s and the early 1960s</a>, shaving off the number of hours in the sky by half. But over the past 60 years, the duration of such flights has remained roughly the same. Meanwhile, the ecosystem of air travel has grown more elaborate, often leaving passengers squirming in their seats on the tarmac before or after flight.</p> <p>Coast-to-coast air travel is in a rut – but there are still efforts to improve this mode of transit.</p> <h2>Just another ordinary miracle</h2> <p>Transcontinental air journeys are clearly different 90 years after Earhart’s record-breaking exploratory flights: Travelers now take such trips for granted, and often find them to be pure drudgery.</p> <p>In 2018, <a href="https://thepointsguy.com/reviews/united-757-200-first-class-ewr-sea/">travel blogger Ravi Ghelani reviewed in minute detail</a> a United Airlines flight from Newark, New Jersey, to Seattle – roughly the same northern route that Earhart explored in 1933.</p> <p>But for Ghelani, seated in first class, it wasn’t the terrain or frigid temperatures that were the most cumbersome part of his adventure. It was a cheap complimentary blanket, which “barely qualified as one – it was very thin, very scratchy.”</p> <p>The dreaded blanket reappears in Ghelani’s summary of his trip: “My main qualm with this flight was the lack of a decent blanket – the tiny, scratchy blanket that was provided wasn’t cutting it for the six-hour flight.”</p> <p>I can imagine Earhart rolling in <a href="https://airandspace.si.edu/stories/editorial/legend-amelia-earharts-disappearance">her watery grave</a>: “You zip across the continent in six hours and you complain about a scratchy blanket?”</p> <p>Yet Ghelani’s account of a mundane cross-country flight reveals a truth: Commercial air travel just isn’t the adventure it was back in Earhart’s time.</p> <p>As one captain of a major U.S. airline who regularly flies long routes told me, “Today jetliners fly across the country from Los Angeles to New York, or Boston to Seattle, full of passengers oblivious to the commonplace practice it has become.”</p> <p>This pilot compared coast-to-coast flights to “iPhones, microwaves or automobiles” – just one more ordinary miracle of modern life.</p> <h2>Little indignities multiply</h2> <p>The high-risk adventure of air travel has been subdued, yet long flights today can paradoxically feel torturous.</p> <p>As philosopher Michael Marder puts it in his 2022 book “<a href="https://mitpress.mit.edu/9780262543712/philosophy-for-passengers/">Philosophy for Passengers</a>”: “When crew members wish passengers a ‘pleasant journey,’ I hear a dash of cruel irony in their words. How pleasant can the passenger experience be when you are crammed in your seat, with little fresh air, too hot or miserably cold, and sleep deprived?”</p> <p>I asked my colleague and <a href="http://airplanereading.org/story/55/frequent-flight">frequent flier</a> Ian Bogost about his experience of coast-to-coast trips, and his reply was illuminating: “The same trip seems to get longer every year, and less comfortable. There are reasons – consolidation, reduced routes, pilot and air-traffic labor shortages, decaying technical infrastructure – but it still feels like moving backwards.” In spite of widespread attempts to update aircraft and modernize terminals, the vast system of air travel can seem cumbersome and outdated.</p> <p>Recently at The Atlantic, reporter <a href="https://www.theatlantic.com/technology/archive/2023/07/clear-airport-security-lines-tsa-infrastructure/674809/">Amanda Mull wrote about</a> the biometric screening company Clear, describing this firm’s high-tech service to skip the ubiquitous toil of identity checks before flight, at the cost of surrendering some privacy and personal information. Mull concludes the reason more travelers will likely enroll in this service is that “traversing American airport security is simply that grim.”</p> <p>For Mull, the adventure of contemporary air travel isn’t the destination, or even the journey itself – it’s what you must do to get through the airport.</p> <p>Still, it’s worth noting that the majority of the human population has never boarded an airplane; flying cross-country remains <a href="https://www.smithsonianmag.com/air-space-magazine/how-much-worlds-population-has-flown-airplane-180957719/">a relatively exclusive experience</a>. For most people, the closest they’ll get to a coast-to-coast flight is seeing a small white scratch across the sky, as another airliner makes its arc at 35,000 feet.</p> <h2>2 futures of cross-country flight</h2> <p>Coast-to-coast travel is no longer about breakneck speed or defying elemental odds, and Earhart’s quests to push the limits of aviation couldn’t be further from the bland routines of contemporary air travel. Nor does it involve people dressing to the hilt to step aboard a jetliner for the first time, with passengers stowing their fancy hats in spacious overhead bins.</p> <p>Where are the new frontiers for transcontinental flight today?</p> <p>One area of innovation is in a greener form of flight. Solar Impulse, a completely solar-powered plane, took two months to fly coast-to-coast in 2013. It averages a plodding 45 mph at cruising altitude. As <a href="https://apnews.com/ded34ccc19f24aeea67ba3da130a2be0">The Associated Press reported</a>: “Solar Impulse’s creators view themselves as green pioneers – promoting lighter materials, solar-powered batteries, and conservation as sexy and adventurous. Theirs is the high-flying equivalent of the Tesla electric sports car.” Solar Impulse was more recently <a href="https://aviationweek.com/aerospace/aircraft-propulsion/solar-powered-skydweller-completes-first-autonomous-flights?check_logged_in=1">reconfigured as a remotely piloted aircraft</a>, with new experiments in long-distance solar flight underway.</p> <p>The comparison of Solar Impulse to a Tesla is handy because a different extreme can be found in Elon Musk’s company SpaceX. As part of the relentless development of its biggest vehicle, “Starship,” SpaceX has advertised the possibility of “<a href="https://www.spacex.com/human-spaceflight/earth/">point-to-point</a>” travel on Earth: for example, flying on a commercial rocket from Los Angeles to New York in 25 minutes. Never mind the physical tolls of a normal <a href="https://theconversation.com/why-would-anyone-want-to-sit-on-a-plane-for-over-18-hours-an-economist-takes-the-worlds-longest-flight-122433">19-hour flight</a>; it’s hard to imagine what such a brief yet fast trip would feel like, not to mention what sort of class divisions and bleak industrial launch sites such jaunts would rely on.</p> <p>Get there as fast as possible, using as much fuel as necessary; or glide lazily along, powered by the sun, saving the planet. These are two starkly different visions of coast-to-coast flight, one a dystopian nightmare and the other a utopian dream.</p> <p>In the middle, there’s what most flying mortals do: wait in lines, board unceremoniously and be relieved if you get to your destination without too much discomfort or delay.<!-- Below is The Conversation's page counter tag. Please DO NOT REMOVE. --><img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/210778/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /><!-- End of code. If you don't see any code above, please get new code from the Advanced tab after you click the republish button. The page counter does not collect any personal data. More info: https://theconversation.com/republishing-guidelines --></p> <p><em><a href="https://theconversation.com/profiles/christopher-schaberg-1451119">Christopher Schaberg</a>, Director of Public Scholarship, <a href="https://theconversation.com/institutions/arts-and-sciences-at-washington-university-in-st-louis-5659">Arts &amp; Sciences at Washington University in St. Louis</a></em></p> <p><em>Image credits: Getty Images</em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/air-travel-is-in-a-rut-is-there-any-hope-of-recapturing-the-romance-of-flying-210778">original article</a>.</em></p>

Travel Trouble

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Is traditional heterosexual romance sexist?

<p><em><a href="https://theconversation.com/profiles/beatrice-alba-126402">Beatrice Alba</a>, <a href="https://theconversation.com/institutions/deakin-university-757">Deakin University</a></em></p> <p>Despite progress towards greater gender equality, many people remain stubbornly attached to <a href="https://journals.sagepub.com/doi/abs/10.1177/0891243218809604">old-fashioned</a> gender roles in romantic relationships between women and men.</p> <p>Conventions around heterosexual romance dictate that men should <a href="https://link.springer.com/article/10.1007/s12144-019-00298-7">approach</a> women to initiate romantic interactions, ask women out on <a href="https://link.springer.com/article/10.1007/s11199-019-01056-6">dates</a>, pay on <a href="https://journals.sagepub.com/doi/10.1177/00332941211057144">dates</a>, make marriage <a href="https://journals.sagepub.com/doi/abs/10.1177/0743558412447871">proposals</a>, and that women should take their husband’s <a href="https://link.springer.com/article/10.1007/s11199-016-0628-8?fd=5847139347577468%7C5071078435750678&amp;lp=/dating-women">surname</a> after marriage.</p> <p>While some might view these conventions as sexist and anachronistic, others find them captivating and romantic.</p> <p>They reflect differentiated gender roles in which men take the lead and women follow. Feminist <a href="https://www.theatlantic.com/ideas/archive/2020/02/if-you-want-marriage-equals-then-date-equals/606568/">critiques</a> of such practices argue that they reinforce male <a href="https://journals.sagepub.com/doi/abs/10.1177/0192513x10391045">dominance</a> over women in intimate relationships.</p> <p>So we set out to find out why women might still be attracted to these conventions in the modern world. We <a href="https://link.springer.com/article/10.1007/s11199-023-01405-6">surveyed</a> 458 single women in Australia on their preference for these conventions, as well as a range of other attitudes and desires.</p> <p>The study examined whether these conventions might simply be a benign reflection of women’s personal preferences for partners and relationships. But we also considered the possibility that they might be underpinned by sexist attitudes.</p> <h2>What do women want from men?</h2> <p>One possible reason women prefer these romance conventions is simply because they are traditional, and people like traditions. However, many of these conventions only really took hold in the <a href="https://www.google.com.au/books/edition/Labor_of_Love/nqTPCgAAQBAJ?hl=en&amp;gbpv=0">20th century</a>.</p> <p>Some provide a handy script that we can follow in romantic interactions. They help us to navigate the uncertainty of the situation by removing some of the guess work about who should do what.</p> <p>Another possibility is that men’s enactment of these romance conventions indicates their likelihood of being a committed and invested <a href="https://journals.sagepub.com/doi/abs/10.1177/0891243213503899">partner</a>. It may also <a href="https://theconversation.com/why-women-including-feminists-are-still-attracted-to-benevolently-sexist-men-101067">signal</a> he has resources available to invest in a relationship (and family), which research shows women find <a href="https://journals.sagepub.com/doi/abs/10.1177/0956797620904154">appealing</a> in a partner.</p> <h2>Women like ‘nice’ men</h2> <p>We <a href="https://link.springer.com/article/10.1007/s11199-023-01405-6">considered</a> whether women’s endorsement of these romance conventions might be explained by their personal preferences for partners and relationships. Specifically, we predicted that the preference for these conventions would be greater among women with a stronger desire to find a committed and invested partner.</p> <p>We found women’s desire for an invested partner was indeed correlated with a greater preference for these conventions. This preference was also stronger among those who favoured a long-term committed relationship and disfavoured short-term casual sexual relationships.</p> <p>We also investigated women’s attraction to dominant men, since these conventions require men to take the lead and play a more active role in romantic encounters. As predicted, women’s attraction to more dominant characteristics in a partner – such as being assertive and powerful – was also correlated with a greater preference for these conventions.</p> <h2>But is it sexist?</h2> <p><a href="https://link.springer.com/article/10.1007/s11199-016-0628-8?fd=5847139347577468%7C5071078435750678&amp;lp=/dating-women">Previous research</a> has found that sexist attitudes and feminist identity are also relevant.</p> <p>We found women who preferred these romance conventions were less likely to identify as a feminist. They were also higher on <a href="https://psycnet.apa.org/record/2001-00159-001">benevolent sexism</a>, which is a chivalrous form of sexism that idealises women, but also views them as less competent and needing men’s protection. We even found that they were higher on hostile sexism, which is a more overt form of sexism towards women.</p> <p>Importantly, we analysed all these variables together to reveal the strongest predictor of the preference for these romance conventions.</p> <p>We found women’s desire for an invested partner and a long-term relationship no longer accounted for women’s preference for these conventions. However, women who were less inclined to short-term casual sexual relationships were still more likely to prefer these conventions.</p> <p>The strongest predictor of the preference for these conventions was benevolent sexism. This is somewhat unsurprising, since these conventions look very much like expressions of benevolent sexism in a romantic context.</p> <p>Most strikingly, overt or hostile sexism still predicted women’s preference for these conventions.</p> <p>In short, sexism stood out beyond women’s personal preferences for partners and relationships. This ultimately supports this idea that these conventions may be underpinned by sexist attitudes.</p> <h2>Is romance incompatible with gender equality?</h2> <p>Old-fashioned romance might seem benign and even enchanting. But some might find it problematic if it reinforces inequality between women and men in romantic <a href="https://journals.sagepub.com/doi/abs/10.1177/0963721416686213">relationships</a>. We know that even subtle forms of <a href="https://theconversation.com/still-serving-guests-while-your-male-relatives-relax-everyday-sexism-like-this-hurts-womens-mental-health-116728">everyday sexism</a> and <a href="https://theconversation.com/no-chivalry-is-not-dead-but-its-about-time-it-was-174197">benevolent sexism</a> are harmful to women’s wellbeing and success.</p> <p>As society moves towards greater gender equality, we may become increasingly aware of how rigid and restrictive gender roles play out in the context of private relationships.</p> <p>Some might fear that increasing gender equality means the death of romance. But romance among those with diverse genders and sexualities should reassure us that it doesn’t require a universal and pre-determined script.</p> <p>Perhaps a more critical understanding of ourselves might help us relinquish our attachment to following a simplistic formula set by others.</p> <p>Embracing individual differences over inflexible conventions may also allow us the freedom to explore alternatives. We might start to see more egalitarian, or even female-led, romance.<!-- Below is The Conversation's page counter tag. Please DO NOT REMOVE. --><img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/210546/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /><!-- End of code. If you don't see any code above, please get new code from the Advanced tab after you click the republish button. The page counter does not collect any personal data. More info: https://theconversation.com/republishing-guidelines --></p> <p><a href="https://theconversation.com/profiles/beatrice-alba-126402"><em>Beatrice Alba</em></a><em>, Lecturer, School of Psychology, <a href="https://theconversation.com/institutions/deakin-university-757">Deakin University</a></em></p> <p><em>Image credits: Getty Images</em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/is-traditional-heterosexual-romance-sexist-210546">original article</a>.</em></p>

Relationships

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

<p><em><a href="https://theconversation.com/profiles/rob-nicholls-91073">Rob Nicholls</a>, <a href="https://theconversation.com/institutions/unsw-sydney-1414">UNSW Sydney</a></em></p> <p>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>.</p> <p>Most of the payments were for small amounts (less than A$5,000) and were not flagged by the ATO’s own monitoring systems.</p> <p>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.</p> <p>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.</p> <h2>How these scams work</h2> <p>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.</p> <p>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.</p> <p>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>.</p> <p>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.</p> <p>It is a sadly simple scam.</p> <h2>How government can improve</h2> <p>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.</p> <p>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.</p> <p>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.</p> <p>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.</p> <p>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.</p> <p>Sadly, the millions of records stolen in the Optus, Medibank and Latitude Financial breaches have not led to a similar level of vigilance.</p> <p>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.</p> <p>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.</p> <h2>Protecting yourself</h2> <p>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.</p> <p>It also helps to protect your Tax File Number. There are only four groups that ever need this number.</p> <p>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 <em>after</em> you have started work.</p> <p>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.</p> <p>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.</p> <p>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.<!-- Below is The Conversation's page counter tag. Please DO NOT REMOVE. --><img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/210459/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /><!-- End of code. If you don't see any code above, please get new code from the Advanced tab after you click the republish button. The page counter does not collect any personal data. More info: https://theconversation.com/republishing-guidelines --></p> <p><em><a href="https://theconversation.com/profiles/rob-nicholls-91073">Rob Nicholls</a>, Associate professor of regulation and governance, <a href="https://theconversation.com/institutions/unsw-sydney-1414">UNSW Sydney</a></em></p> <p><em>Image </em><em>credits: Shutterstock</em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/the-500-million-ato-fraud-highlights-flaws-in-the-mygov-id-system-heres-how-to-keep-your-data-safe-210459">original article</a>.</em></p>

Technology

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Facebook Messenger scams are on the rise – here’s how to protect yourself

<p><strong>Facebook Messenger scams prey on our vulnerabilities</strong></p> <p>Scams through Facebook’s Messenger platform are being reported at higher rates than ever before, according to AARP, citing its own data as well as that of the government. Since Facebook’s early days, cybercriminals have been mining Facebook’s direct-messaging capabilities to scam unsuspecting victims out of money. One of the earliest Facebook Messenger scams involved a message, purportedly from a friend, claiming they were stuck in a foreign country and in desperate need of immediate financial assistance to get out. It wasn’t really the friend, however, but rather a scammer who had hacked into the friend’s account. </p> <p>Imposter scams such as “the friend in a foreign country” have evolved and proliferated over the years. The common thread is the scammer either creates an account impersonating an actual Facebook account or hacks into an existing Facebook account. In either case, the scammer then uses the fake/hacked account to send private messages to the account holder’s friends that elicit either money or personal information. The messages vary, but all are designed to prey on our human vulnerabilities, including:</p> <ul> <li>the desire to be a “hero”</li> <li>the desire to appear “generous”</li> <li>the desire to win “free money”</li> <li>the desire to be loved and admired</li> <li>the desire to avoid shame or punishment</li> </ul> <p>If a scammer tries to message you, report them, Facebook advises, but that begs the larger question of how does one recognise a Facebook Messenger scam?</p> <p><strong>Current Messenger Facebook scams</strong></p> <p>According to Facebook and our cybersecurity experts, here are the most common Facebook Messenger scams today:</p> <p><span style="text-decoration: underline;"><em>Romance scams</em></span>. Preying on our desire to be loved and admired, romance scammers appear as attractive strangers with sad stories and a desire to love and be loved. The most effective romance scammers will friend a number of mutual friends before reaching out to any of them, in an attempt to make themselves seem less like strangers and more like people in the same social network. Many use photos they’ve stolen off the Internet and many pose as members of the military or as doctors, in an attempt to inspire trust, admiration, and even authority. What they all have in common is they can’t meet you just yet because they’re somewhere far away, and although it may take a bit of time, even as much as several weeks, they will eventually ask you to send money so that they can come to see you.</p> <p><span style="text-decoration: underline;"><em>Lottery scams</em></span>. Preying on our desire for “free money,” lottery scammers appear as friends or organisations who are thrilled to tell you you’ve won money in some lottery or contest. The common thread? It’s a contest you have no recollection of having entered and to get the prize, you’ll have to either pay a fee or “refundable” advance or provide personal information.</p> <p><span style="text-decoration: underline;"><em>Inheritance scams</em></span>. Also preying on our desire for free money, inheritance scammers claim to be lawyers or others who represent someone who has died and supposedly left you their estate or some portion of it – but first, you’ll have to fork over some money or personal information.</p> <p><span style="text-decoration: underline;"><em>Loan scams</em></span>. Another variation on the “free money” theme is the loan scam, whereby the scammer promises low-interest loans with no money down – except for a “refundable” application fee. Facebook points out that loan scammers may send messages via Messenger and also leave posts and comments on Pages and in Groups to legitimise themselves. However, legitimate lenders wouldn’t offer loans via Facebook Messenger, nor would they ask you for money to proceed with a loan application.</p> <p><span style="text-decoration: underline;"><em>Donation scams</em></span>. Facebook specifically warns users to watch out for “famous people” or people claiming to represent a charity hitting them up for a donation. Donation scams, which are easy money for a scammer because they are a direct request for payment, prey on our desire to be perceived, or to perceive ourselves, as generous.</p> <p><span style="text-decoration: underline;"><em>“Hey, is this you?” scams</em></span>. Consumer Affairs warns of this “phishing scam” that uses the threat of shame to goad you into giving up personal information. The scammer hacks into one of your Facebook friend’s Messenger accounts and sends you a video, asking if it’s really you in the video, and implying there’s something in the video that could embarrass you. If you ever get a message like this, Consumer Affairs urges you to ignore and delete it to avoid giving away personal information or introducing a virus onto your computer.</p> <p><strong>Red flags to watch out for</strong></p> <p>Unfortunately, Facebook Messenger scams evolve rapidly (as soon as we suss them out, there are several more to replace them). So, it’s a good idea to be aware of these warning signs that we culled from our experts:</p> <p><span style="text-decoration: underline;"><em>Someone is asking you for money</em></span>. While Facebook warns specifically against strangers asking for money, Rachel Wilson, investigative coordinator for The Smith Investigation Agency, points out to Reader’s Digest that any time anyone asks you for money over Messenger, it’s immediately suspect. “If friends or family ask you to help them in an emergency, always call to speak with them personally to confirm that the message originated with them.”</p> <p><span style="text-decoration: underline;"><em>Someone is getting a little too personal</em></span>. When someone sends you a message requesting personal information, especially financial information, it should be considered suspicious, advises Sean Messier, credit industry analyst for Credit Card Insider. Messier suggests not revealing any such information until you’re certain the message-sender is who they claim to be, but it’s probably also a good idea to never reveal any such information over Messenger at all.</p> <p><span style="text-decoration: underline;"><em>Someone is offering something for free</em></span>. You know how they say there’s no such thing as a free lunch? Well, there’s no such thing as free money on Facebook, points out Robert Siciliano, security expert. This is true for any kind of “free money” Messenger message, including those involving lotteries, loans, contest winnings, inheritances, lost bank accounts, and reimbursements of money owed.</p> <p><span style="text-decoration: underline;"><em>Someone who wants to take the conversation off Facebook (to text or email, etc)</em></span>. Facebook warns against taking conversations off Facebook unless you’re absolutely certain, beyond a shadow of a doubt, the message sender is who they say they are.</p> <p><span style="text-decoration: underline;"><em>Messages that seem out of character for the sender</em></span>. If a message seems “out of the norm” for the sender, trust your instincts and ignore it. This is doubly true if the message includes an attachment. Be very wary of opening attachments in general, and particularly if something seems “off” about the message or the sender.</p> <p><span style="text-decoration: underline;"><em>Messages rife with spelling and grammatical errors</em></span>. Facebook points out that when a message is filled with typos and grammatical errors, you should have your guard up. A single typo is one thing, but things like the misspelling of names and places are a big red flag.</p> <p><span style="text-decoration: underline;"><em>Messages from new accounts with few friends</em></span>. Roger Thompson, CEO of Thompson Cybersecurity Labs, points out that new accounts with few friends should always be considered suspicious until confirmed otherwise. Friend requests from such accounts and from duplicate friend accounts should be considered suspect as well.</p> <p>To avoid getting hacked (and used by a cybercriminal in an imposter scam), Wilson recommends updating your social media passwords regularly and always use two-factor authentication. She also notes that with Facebook use increasing among seniors, it would be a good deed to speak to older family members about Messenger scams and how to avoid them.</p> <p><em>Image credits: Getty Images </em></p> <p><em>This article originally appeared on <a href="https://www.readersdigest.com.au/true-stories-lifestyle/science-technology/facebook-messenger-scams-are-on-the-rise-heres-how-to-protect-yourself" target="_blank" rel="noopener">Reader's Digest</a>.</em></p>

Technology

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Australia can learn from the UK’s experience by making banks pay for scam losses

<p><em><a href="https://theconversation.com/profiles/muhammad-al-mamun-1454182">Muhammad Al Mamun</a>, <a href="https://theconversation.com/institutions/la-trobe-university-842">La Trobe University</a></em></p> <p>British banks will soon be required to reimburse customers who fall victim to authorised push payment fraud – where a scammer convinces you to authorise a payment, generally by masquerading as a legitimate business or person.</p> <p>The new rules from the UK’s <a href="https://www.psr.org.uk/">Payment Systems Regulator</a> are intended to incentivise all businesses involved in payments to take more action against scam activity, with reimbursement costs split 50:50 between the bank that sends and the bank that receives the payment.</p> <p>There is a strong case that banks and other payment providers in Australia (and New Zealand) should be made to do the same. Scam-related losses are soaring, and banks are falling short of detecting, stopping and recovering losses.</p> <p>In 2022 Australians <a href="https://www.accc.gov.au/system/files/Targeting%20scams%202022.pdf">lost at least $3.1 billion</a> to scams – an 80% increase on 2021. The Australian Competition and Consumer Commission says the actual losses were far higher, because about 30% of victims don’t report their loss to anyone.</p> <p>While the biggest losses came from investment scams (totalling $1.5 billion), payment redirection scams – where a scammer impersonates a business or individual asking for payment – amounted to A$224 million.</p> <p>Among the most vulnerable groups are older people (25% of losses were reported by those aged 65+), people with a disability (6% of reported losses), and people from culturally and linguistically diverse communities (almost 10% of reported losses).</p> <h2>What are Australian banks doing?</h2> <p>No regulations oblige Australian banks to reimburse scam victims, though some banks have self-governed reimbursement policies.</p> <p>While banks have dedicated fraud teams to prevent scams and support victims, the most recent review of the four major banks’ processes by the Australian Investments and Securities Commission, <a href="https://download.asic.gov.au/media/mbhoz0pc/rep761-published-20-april-2023.pdf">published in April</a>, says they detected and stopped just 13% of scam payments.</p> <p>Reimbursement policies and practices varied from bank to bank but the overall rate was low – ranging from 2% to 5%.</p> <p>The review described the banks’ approaches to liability, reimbursement and compensation as “inconsistent and generally very narrow”.</p> <h2>Why the UK has made banks responsible</h2> <p>The greater obligations being imposed on British banks follows attempts by the UK’s <a href="https://www.psr.org.uk/">Payment Systems Regulator</a> to improve consumer protections through a voluntary code of conduct.</p> <p>Introduced in May 2019, this voluntary code was intended, under certain conditions, to ensure the reimbursement of victims of “authorised push payment” scams. These conditions included the customer taking reasonable care and notifying any scam incident to the bank.</p> <p>It had modest success, with <a href="https://www.psr.org.uk/news-and-updates/latest-news/news/psr-sets-out-proposals-to-give-greater-protection-against-app-scams/">46% of reported scam losses</a> being reimbursed between 2020 and 2022.</p> <p>But the Payment Systems Regulator wants 95%. So it has pressed for a mandatory reimbursement scheme. Under the new provisions money must be reimbursed within 48 hours of a fraud being reported.</p> <p>The idea is to get banks to put more effort into detecting and preventing scams.</p> <p>Overall, the UK has accepted the need for a more regimented regulatory approach over a market-based one.</p> <h2>A more pragmatic approach needed</h2> <p>While the Australian Investments and Securities Commission’s own reports have revealed the sorry state of scam prevention, management, and reimbursement practices at major banks, the regulatory body is still not walking in the footsteps of the UK. It is instead advising banks to improve their governance and scam management practices.</p> <p>The Australian Banking Association, which represents the banking sector, has strongly argued against regulation supporting mandatory reimbursement. It has even suggested this <a href="https://www.smh.com.au/business/banking-and-finance/big-banks-fight-push-for-billions-of-dollars-in-scam-refunds-20220131-p59sp3.html">could increase scamming losses</a> because of the risk customers will take less care if they know any losses will be covered by their bank. It has called for greater personal responsibility in preventing scam losses.</p> <p>But such an argument ignores the effects of the digitisation push by financial service providers, which has made scamming so much easier. Scammers are also becoming more sophisticated.</p> <p>The statistics speak for themselves. Scamming losses are increasing. Recovery rates are meagre. A more pragmatic approach based on this reality and banks’ fiduciary responsibilities is needed.<!-- Below is The Conversation's page counter tag. Please DO NOT REMOVE. --><img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/209585/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /><!-- End of code. If you don't see any code above, please get new code from the Advanced tab after you click the republish button. The page counter does not collect any personal data. More info: https://theconversation.com/republishing-guidelines --></p> <p><em><a href="https://theconversation.com/profiles/muhammad-al-mamun-1454182">Muhammad Al Mamun</a>, Senior Lecturer in Finance, <a href="https://theconversation.com/institutions/la-trobe-university-842">La Trobe University</a></em></p> <p><em>Image credits: Getty Images</em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/australia-can-learn-from-the-uks-experience-by-making-banks-pay-for-scam-losses-209585">original article</a>.</em></p>

Money & Banking

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Man proposes to high school sweetheart after rekindling their romance

<p dir="ltr">Over 60 years ago, Thomas and Nancy met when they were in high school and fell in love. </p> <p dir="ltr">Despite their feelings for each other, their romance didn’t last and they fell out of touch as life moved on. </p> <p dir="ltr">Sixty years on, Thomas and Nancy rekindled their relationship and spent three weeks having phone conversations to discover their affection for each other never died. </p> <p dir="ltr">Nancy then decided to fly to Thomas’ home state of Florida for an emotional reunion, and was shocked by the surprise she arrived at. </p> <p dir="ltr">Walking off the plane in the city of Tampa, Nancy was greeted by Thomas on one knee, delivering an emotional speech about how much he loves her, before he asked her to marry him. </p> <p dir="ltr">The heart-felt moment, captured by a fellow traveller and posted to TikTok, shows Thomas dressed up in a suit, waiting nervously for Nancy to arrive with a big smile on his face.</p> <p dir="ltr">Upon seeing her, he handed her a bouquet of roses and gave her a tender kiss before he pulled out his ring and started professing his love. </p> <blockquote class="instagram-media" style="background: #FFF; border: 0; border-radius: 3px; box-shadow: 0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width: 540px; min-width: 326px; padding: 0; width: calc(100% - 2px);" data-instgrm-permalink="https://www.instagram.com/reel/CuQIG3Mr0GA/?utm_source=ig_embed&amp;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/CuQIG3Mr0GA/?utm_source=ig_embed&amp;utm_campaign=loading" target="_blank" rel="noopener">A post shared by PerezHilton.com (@perezhilton)</a></p> </div> </blockquote> <p dir="ltr">“My dear Nancy, it's been 60 years since we first met, 56 years since we first dated, 10 years since I last saw you, and 20 days since we began this,” he said, his voice shaky with emotion. </p> <p dir="ltr">“You have always been the one I've had a crush on, since your cheerleader days.”</p> <p dir="ltr">“It brings a smile to my face, it makes my heart skip a beat [to see you]. For the last three weeks, I have thought of you every day, every hour and have talked to you every night for hours.”</p> <p dir="ltr">“I have longed to see you again, hold you in my arms, and tell you how much you mean to me.”</p> <p dir="ltr">“So Nancy, I come to you humbly today, June 30, with a proposal. I want to spend the rest of my life with you and cherish every moment we will have together.” </p> <p dir="ltr">“I love you more than words can express, more than you can ever comprehend. I want to spend the rest of my life proving that to you and making you the happiest woman in the world.”</p> <p dir="ltr">“Will you Nancy, give me the honour of being my soulmate in life? My partner in every sense of the word, my beloved wife forever? Will you marry me?”</p> <p dir="ltr">Nancy, who had started to cry while Thomas was talking, quickly said yes to the proposal, which resulted in Thomas cheering and a group of strangers who had stopped to watch clapping for the couple before they embraced in a big hug. </p> <p dir="ltr">The TikTok creator also shared a snap of Thomas and Nancy posing together while holding up a sign that read, “She said yes!”</p> <p dir="ltr">The video has gained millions of views, and it sparked a slew of comments from people who said they were “sobbing” over Nancy and Thomas' love story.</p> <p dir="ltr">“They were meant to be, nor time or distance tore them apart,” one person wrote.</p> <p dir="ltr">Another said, “When two souls are meant to be, they will find each other.”</p> <p dir="ltr"><em>Image credits: TikTok</em></p>

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Settle in with one of these top reads this winter

<p dir="ltr">It can be challenging deciding on a new book to read, but with these titles releasing throughout July 2023, you’re sure to find something to settle in with.</p> <p dir="ltr">Whether an edge-of-your-seat murder mystery, a laugh-out-loud romantic escapade, or even a deep-space adventure is more your cup of tea, the time has come to dive into your next favourite novel, and maybe even convince your book club to read along with you. </p> <p dir="ltr"><strong>For the budding detectives out there:</strong></p> <ul> <li dir="ltr" aria-level="1"> <p dir="ltr" role="presentation"><em><a href="https://www.booktopia.com.au/zero-days-ruth-ware/book/9781398508408.html">Zero Days</a></em>, Ruth Ware</p> </li> </ul> <p dir="ltr">“Hired by companies to break into buildings and hack security systems, Jack and her husband Gabe are the best penetration specialists in the business. But after a routine assignment goes horribly wrong, Jack arrives home to find her husband dead. To add to her horror, the police are closing in on their only suspect – her.</p> <p dir="ltr">“On the run and out of options, Jack must decide who she can trust as she circles closer to the truth in this unputdownable and heart-pounding mystery from 'one of the best thriller writers around today' Ruth Ware.”</p> <ul> <li dir="ltr" aria-level="1"> <p dir="ltr" role="presentation"><em><a href="https://www.booktopia.com.au/four-dogs-missing-rhys-gard/book/9781760687724.html">Four Dogs Missing</a></em>, Rhys Gard</p> </li> </ul> <p dir="ltr">“While estranged twins Oliver and Theo Wingfield are identical in appearance, they couldn't be more different. Theo, an extrovert verging on arrogant, was always a drifter, a nomad, operating on the fringes of the law. Oliver, intense, creative and introspective, was destined to become a winemaker. Each vintage, every bottle from Oliver's Mudgee-based label, Four Dogs Missing, sells out.</p> <p dir="ltr">“And now, after fifteen years without contact, Theo unexpectedly turns up at his brother's vineyard, bearing an invitation that his twin knows nothing about. The quiet and fulfilling life that the winemaker has built for himself is about to change overnight: Theo's arrival is the catalyst for a series of murders involving those closest to Oliver. Finding himself the main suspect, Oliver soon discovers that not everyone in Mudgee supports a reclusive and unorthodox vigneron who's shied away from the community that helped him succeed.</p> <p dir="ltr">“Oliver is inexorably drawn into a sinister world where poisoned liquor and stolen art leave a deadly trail. Abandoning his grapevines, he sets out to solve the crimes – and confront his damaged past – before someone else he loves is found dead … beside a bottle of his own wine.”</p> <ul> <li dir="ltr" aria-level="1"> <p dir="ltr" role="presentation"><em><a href="https://www.booktopia.com.au/none-of-this-is-true-lisa-jewell/book/9781529195989.html">None of This is True</a></em>, Lisa Jewell </p> </li> </ul> <p dir="ltr">“Celebrating her 45th birthday at her local pub, popular podcaster Alix Summers crosses paths with an unassuming woman called Josie Fair. Josie, it turns out, is also celebrating her 45th birthday. They are, in fact, birthday twins.</p> <p dir="ltr">“A few days later, Alix and Josie bump into each other again, this time outside Alix's children's school. Josie has been listening to Alix's podcasts and thinks she might be an interesting subject for her series. She is, she tells Alix, on the cusp of great changes in her life.</p> <p dir="ltr">“Josie's life appears to be strange and complicated, and although Alix finds her unsettling, she can't quite resist the temptation to keep making the podcast.</p> <p dir="ltr">“Slowly Alix starts to realise that Josie has been hiding some very dark secrets, and before she knows it Josie has inveigled her way into Alix's life - and into her home.</p> <p dir="ltr">“But, as quickly as she arrived, Josie disappears. Only then does Alix discover that Josie has left a terrible and terrifying legacy in her wake, and that Alix has become the subject of her own true crime podcast, her life and her family's lives under mortal threat.</p> <p dir="ltr">“Who is Josie Fair? And what has she done?”</p> <p dir="ltr"><strong>For the sci-fi fanatics:</strong></p> <ul> <li dir="ltr" aria-level="1"> <p dir="ltr" role="presentation"><em><a href="https://www.booktopia.com.au/circle-of-death-james-patterson/book/9781529136630.html">Circle of Death</a></em>, James Patterson</p> </li> </ul> <p dir="ltr">“Since Lamont Cranston - known to a select few as the Shadow - defeated Shiwan Khan and ended his reign of terror over New York one year ago, the city has started to regenerate.</p> <p dir="ltr">“But there is evil brewing elsewhere. And this time the entire world is under threat.</p> <p dir="ltr">“Which is why Lamont has scoured the globe to assemble a team with unmatched talent.</p> <p dir="ltr">“Only their combined powers can foil an enemy with ambitions and abilities beyond anyone's deepest fears.</p> <p dir="ltr">“As their mission takes them across the globe and into the highest corridors of power - pushing them beyond their limits - can justice prevail?”</p> <ul> <li dir="ltr" aria-level="1"> <p dir="ltr" role="presentation"><em><a href="https://www.booktopia.com.au/a-psalm-for-the-wild-built-becky-chambers/book/9781250320216.html">A Psalm for the Wild-Built</a></em>, Becky Chambers</p> </li> </ul> <p dir="ltr">“It's been centuries since the robots of Panga gained self-awareness and laid down their tools; centuries since they wandered, en masse, into the wilderness, never to be seen again; centuries since they faded into myth and urban legend.</p> <p dir="ltr">“One day, the life of a tea monk is upended by the arrival of a robot, there to honor the old promise of checking in. The robot cannot go back until the question of "what do people need?" is answered.</p> <p dir="ltr">“But the answer to that question depends on who you ask, and how.</p> <p dir="ltr">“They're going to need to ask it a lot.</p> <p dir="ltr">“Becky Chambers's new series asks: in a world where people have what they want, does having more matter?”</p> <ul> <li dir="ltr" aria-level="1"> <p dir="ltr" role="presentation"><em><a href="https://www.booktopia.com.au/the-mother-fault-kate-mildenhall/book/9781760859848.html">The Mother Fault</a></em>, Kate Mildenhall</p> </li> </ul> <p dir="ltr">“Mim’s husband is missing. No one knows where Ben is, but everyone wants to find him – especially The Department. And they should know, the all-seeing government body has fitted the entire population with a universal tracking chip to keep them ‘safe’.</p> <p dir="ltr">“But suddenly Ben can’t be tracked. And Mim is questioned, made to surrender her passport and threatened with the unthinkable – her two children being taken into care at the notorious BestLife.</p> <p dir="ltr">“From the stark backroads of the Australian outback to a terrifying sea voyage, Mim is forced to shuck off who she was – mother, daughter, wife, sister – and become the woman she needs to be to save her family and herself.”</p> <p dir="ltr"><strong>For those with a passion for romance: </strong></p> <ul> <li dir="ltr" aria-level="1"> <p dir="ltr" role="presentation"><a href="https://www.booktopia.com.au/palazzo-danielle-steel/book/9781529022421.html"><em>Palazzo</em></a>, Danielle Steel</p> </li> </ul> <p dir="ltr">“After her parents perish in a tragic accident, Cosima Saverio assumes leadership of her family's haute couture Italian leather brand. While navigating the challenges of running a company at twenty-three, Cosima must also maintain the elegant four-hundred-year-old family palazzo in Venice and care for her younger siblings: Allegra, who survived the tragedy that killed their parents, and Luca, who has a penchant for wild parties, pretty women, and poker tables.</p> <p dir="ltr">“Cosima navigates her personal and professional challenges with a wisdom beyond her years, but her success has come at a cost: Her needs are always secondary. She's married to the business, and her free time is given to those who rely on her . . . until she meets Olivier Bayard, the founder of France's most successful ready-to-wear handbag company.</p> <p dir="ltr">“But Luca's gambling habit gets out of control and Cosima is forced to make an impossible choice to save him. The palazzo, the family business or cut Luca loose. Or is there another way to rescue everything she has fought for before it goes up in flames?”</p> <ul> <li dir="ltr" aria-level="1"> <p dir="ltr" role="presentation"><a href="https://www.booktopia.com.au/the-willow-tree-wharf-leonie-kelsall/book/9781761066092.html"><em>The Willow Tree Wharf</em></a>, Leonie Kelsall</p> </li> </ul> <p dir="ltr">“Samantha, owner of Settlers Bridge cafe Ploughs and Pies, is short on confidence and big on regrets. Married young to fill the void left by an unhappy childhood, she still works in the same small town where she grew up, too filled with self-doubt and insecurity to ever risk spreading her wings. Yet will the end of her abusive marriage force her to start anew?</p> <p dir="ltr">“City restaurateur Pierce di Angelis knows what it is to have his career and family ripped away. However, a chance encounter with the intriguing Samantha ignites his passion, and together they concoct a plan for a destination restaurant.</p> <p dir="ltr">“But, with their personalities like oil and water, will old hurts and hidden truths destroy the new business before it's afloat?”</p> <ul> <li dir="ltr" aria-level="1"> <p dir="ltr" role="presentation"><em><a href="https://www.booktopia.com.au/the-forgotten-bookshop-in-paris-daisy-wood/book/9780008525248.html">The Forgotten Bookshop in Paris</a></em>, Daisy Wood</p> </li> </ul> <p dir="ltr">“Paris, 1940: War is closing in on the city of love. With his wife forced into hiding, Jacques must stand by and watch as the Nazis take away everything he holds dear. Everything except his last beacon of hope: his beloved bookshop, La Page Cachée.</p> <p dir="ltr">“But when a young woman and her child knock on his door one night and beg for refuge, he knows his only option is to risk it all once more to save a life…</p> <p dir="ltr">“Modern day: Juliette and her husband have finally made it to France on the romantic getaway of her dreams – but as the days pass, all she discovers is quite how far they’ve grown apart. She’s craving a new adventure, so when she happens across a tiny, abandoned shop with a for-sale sign in the window, it feels fated.</p> <p dir="ltr">“And she’s about to learn that the forgotten bookshop hides a lot more than meets the eye…”</p> <p dir="ltr"><em>Images: Getty</em></p>

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