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Who dies in a heat wave? How to help protect the vulnerable in our communities

<div class="theconversation-article-body"><em><a href="https://theconversation.com/profiles/myles-david-sergeant-1542267">Myles David Sergeant</a>, <a href="https://theconversation.com/institutions/mcmaster-university-930">McMaster University</a></em></p> <p>Extreme heat is a silent killer.</p> <p>From time to time, we hear about shocking cases of <a href="https://www.theguardian.com/world/2023/sep/24/football-player-heat-deaths-athlete">football players</a> and other athletes who die suddenly while exerting themselves on hot days. Those deaths are certainly tragic, but statistically they are very rare.</p> <p>Most deaths from extreme heat <a href="https://www.epa.gov/climate-indicators/climate-change-indicators-heat-related-deaths">are in older people</a>, who frequently die alone inside their homes. They often die slowly, as the heat creeps up to and sometimes past body temperature, especially when heat domes park themselves over cities and keep the temperature high all day and all night. When such deaths happen, they rarely make the news.</p> <p>Of all the climate change disasters our world is already experiencing, heat is the top killer, <a href="https://library.wmo.int/viewer/68500/download?file=1335_WMO-Climate-services-Health_en.pdf&amp;type=pdf&amp;navigator=1">as the World Meteorological Organization reported</a>. The planet was more than <a href="https://www.theguardian.com/environment/article/2024/jul/08/temperatures-1-point-5c-above-pre-industrial-era-average-for-12-months-data-shows">1.5 C above the pre-industrial baseline</a> for 12 consecutive months from July 2023 to June 2024. In July this year, we saw the hottest three days ever on record, prompting <a href="https://www.un.org/sg/en/content/sg/press-encounter/2024-07-25/secretary-generals-press-conference-extreme-heat">a special statement from United Nations Secretary-General Antonio Guterres</a>.</p> <h2>Health risks and heat</h2> <p><a href="https://www.ncbi.nlm.nih.gov/books/NBK499843/">Our bodies are made to dump excess heat</a> when we are too warm, but that process goes into reverse when the air is warmer than our core temperature. Our other main defence, sweating, doesn’t help when humidity saturates the air, making it impossible for our own moisture to evaporate.</p> <p>For the frail and elderly, who are more likely to be labouring with heart troubles, COPD or other challenges, simply sitting still in a heat wave requires an effort equivalent to walking on a treadmill. The effort is not great, but it is <a href="https://doi.org/10.1016/j.cjco.2021.10.002">steady and relentless</a>. It exhausts the body, sometimes to the <a href="https://doi.org/10.1016/S2542-5196(22)00117-6">point of no return</a>.</p> <p>Tracking heat-related deaths is challenging, and it’s changing as authorities become more aware of heat as a contributing or underlying factor to deaths by other causes. <a href="https://doi.org/10.2105/AJPH.2006.100081">A paper published by the <em>American Journal of Public Health</em></a> points out that the 1995 heat wave in Chicago likely contributed to hundreds more deaths than had first been attributed to heat itself.</p> <h2>Who is at risk?</h2> <p>Many people lack air conditioning or a way to get to a place that has it, such as a library, recreation centre or shopping mall. As a result, too many people in cities are forced to <a href="https://wmo.int/publication-series/2023-state-of-climate-services-health">endure long waves of heat</a> — waves that are occurring more frequently, lasting longer, and reaching higher temperatures — in a trend that appears set to continue getting worse.</p> <p>Air conditioning, <a href="https://www.lpm.org/news/2015-07-24/the-history-of-movie-theaters-and-air-conditioning-that-keeps-film-lovers-cool">once a luxury that drew people to summertime movie theatres on hot nights</a>, has become a necessity. Increasingly, it is also a legal requirement, as cities pass bylaws requiring landlords not to allow the temperature in their tenants’ quarters to rise above a certain level. Toronto has <a href="https://www.toronto.ca/home/311-toronto-at-your-service/find-service-information/article/?kb=kA06g000001xvbiCAA">such a bylaw</a> for rental units that have air conditioning available, capping indoor temps at 26 C between June 2 and Sept. 14.</p> <p>Such laws recognize the vulnerability of tenants who lack control over the temperature in their rental units, making heat death an especially urban tragedy, as confirmed in <a href="https://www150.statcan.gc.ca/n1/en/pub/82-003-x/2024006/article/00001-eng.pdf?st=e6jLNMuq">a recent Statistics Canada study</a> between 2000 and 2020. Deaths from extreme heat were more likely in cities with a higher percentage of renter households.</p> <p>During a single week-long heat wave in June 2021 — the year after the period captured in the Statistics Canada study — <a href="https://www.cbc.ca/news/canada/british-columbia/bc-heat-dome-sudden-deaths-570-1.6122316">B.C.’s chief coroner found that 570 people died from heat-related causes</a> — 79 per cent of them were seniors.</p> <h2>Taking action at the community level</h2> <p>From this Global North perspective, the community members who are most likely to die from extreme heat included:</p> <ul> <li>Those over 65</li> <li>Those with more than one chronic condition (including hypertension, mental health, diabetes, heart disease, lung disease)</li> <li>Socially disadvantaged populations in our communities</li> <li>Those with mobility issues</li> <li>Those experiencing social isolation (living alone)</li> <li>Tenants with lack of air conditioning</li> <li>Those living in an urban heat island</li> </ul> <p>This problem is not going away.</p> <p>Some of the <a href="https://www.intactcentreclimateadaptation.ca/wp-content/uploads/2022/06/UoW_ICCA_2022_04-Irreversible-Extreme-Heat.pdf">actions we can take</a> to protect our most vulnerable community members include:</p> <ul> <li>Increase awareness that excessive heat is not merely uncomfortable, but dangerous.</li> <li>Make sure people are warned about impending heat waves.</li> <li>Advocate for everyone to have access to air conditioning.</li> <li>Check on and support people who live alone, especially those with no air conditioning.</li> <li>Invite people over if you have air conditioning, or help them get to community cooling stations.</li> <li>Help vulnerable people who do not have air conditioning to improvise, by freezing wet cloths, for example, to take out and hang around their necks. Doing this, especially with a fan blowing, can be surprisingly effective.</li> <li>Learn and share the <a href="https://www.canada.ca/en/health-canada/services/publications/healthy-living/fact-sheet-staying-healthy-heat.html">warning signs of heat-related illness</a>.</li> <li>Make sure they drink plenty of water and other replenishing fluids.</li> </ul> <p>While we must do our best to limit climate change to keep our planet from getting ever hotter, we must also make every effort to protect the vulnerable from the impacts of the heat that is already here.<!-- 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/236829/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/myles-david-sergeant-1542267">Myles David Sergeant</a>, Assistant Clinical Professor, Department of Family Medicine, <a href="https://theconversation.com/institutions/mcmaster-university-930">McMaster University</a></em></p> <p><em>Image credits: Shutterstock </em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/who-dies-in-a-heat-wave-how-to-help-protect-the-vulnerable-in-our-communities-236829">original article</a>.</em></p> </div>

Caring

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Are older adults more vulnerable to scams? What psychologists have learned about who’s most susceptible, and when

<div class="theconversation-article-body"><em><a href="https://theconversation.com/profiles/natalie-c-ebner-1527554">Natalie C. Ebner</a>, <a href="https://theconversation.com/institutions/university-of-florida-1392">University of Florida</a> and <a href="https://theconversation.com/profiles/didem-pehlivanoglu-1527551">Didem Pehlivanoglu</a>, <a href="https://theconversation.com/institutions/university-of-florida-1392">University of Florida</a></em></p> <p>About 1 in 6 Americans <a href="https://www.census.gov/library/stories/2023/05/2020-census-united-states-older-population-grew.html">are age 65 or older</a>, and that percentage <a href="https://www.ncoa.org/article/get-the-facts-on-older-americans">is projected to grow</a>. Older adults often hold positions of power, have retirement savings accumulated over the course of their lifetimes, and make important financial and health-related decisions – all of which makes them attractive targets for financial exploitation.</p> <p>In 2021, there were more than 90,000 older victims of fraud, according to the FBI. These cases resulted in <a href="https://www.ic3.gov/Media/PDF/AnnualReport/2021_IC3ElderFraudReport.pdf">US$1.7 billion in losses</a>, a 74% increase compared with 2020. Even so, that may be a significant undercount, since embarrassment or lack of awareness <a href="https://assets.aarp.org/rgcenter/econ/fraud-victims-11.pdf">keeps some victims from reporting</a>.</p> <p><a href="https://ncea.acl.gov/elder-abuse#gsc.tab=0">Financial exploitation</a> represents one of the most common forms of elder abuse. Perpetrators are often individuals in the victims’ inner social circles – family members, caregivers or friends – but can also be strangers.</p> <p>When older adults experience financial fraud, they typically <a href="https://public.tableau.com/app/profile/federal.trade.commission/viz/AgeandFraud/Infographic">lose more money</a> than younger victims. Those losses can have <a href="https://doi.org/10.1057/sj.2012.11">devastating consequences</a>, especially since older adults have limited time to recoup – dramatically reducing their independence, health and well-being.</p> <p>But older adults have been largely neglected in research on this burgeoning type of crime. We are <a href="https://ebnerlab.psych.ufl.edu/natalie-c-ebner-phd/">psychologists who study social cognition</a> and <a href="https://ebnerlab.psych.ufl.edu/didem-pehlivanoglu/">decision-making</a>, and <a href="https://ebnerlab.psych.ufl.edu/">our research lab</a> at the University of Florida is aimed at understanding the factors that shape vulnerability to deception in adulthood and aging.</p> <h2>Defining vulnerability</h2> <p>Financial exploitation involves a variety of exploitative tactics, such as coercion, manipulation, undue influence and, frequently, some sort of deception.</p> <p>The majority of current research focuses on <a href="https://doi.org/10.1002/acp.3052">people’s ability to distinguish between truth and lies</a> during interpersonal communication. However, deception occurs in many contexts – increasingly, over the internet.</p> <p>Our lab conducts laboratory experiments and real-world studies to measure susceptibility under various conditions: investment games, lie/truth scenarios, phishing emails, text messages, fake news and deepfakes – fabricated videos or images that are created by artificial intelligence technology.</p> <p>To study how people respond to deception, we use measures like surveys, brain imaging, behavior, eye movement and heart rate. We also collect health-related biomarkers, such as being a carrier of <a href="https://pubmed.ncbi.nlm.nih.gov/8346443/">gene variants</a> that increase risk for Alzheimer’s disease, to identify individuals with particular vulnerability.</p> <p>And <a href="https://doi.org/10.20900/agmr20230007">our work</a> shows that an older adult’s ability to detect deception is not just about their individual characteristics. It also depends on how they are being targeted.</p> <figure class="align-center zoomable"><a href="https://images.theconversation.com/files/593784/original/file-20240513-16-j9zy1i.png?ixlib=rb-4.1.0&amp;q=45&amp;auto=format&amp;w=1000&amp;fit=clip"><img src="https://images.theconversation.com/files/593784/original/file-20240513-16-j9zy1i.png?ixlib=rb-4.1.0&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/593784/original/file-20240513-16-j9zy1i.png?ixlib=rb-4.1.0&amp;q=45&amp;auto=format&amp;w=600&amp;h=339&amp;fit=crop&amp;dpr=1 600w, https://images.theconversation.com/files/593784/original/file-20240513-16-j9zy1i.png?ixlib=rb-4.1.0&amp;q=30&amp;auto=format&amp;w=600&amp;h=339&amp;fit=crop&amp;dpr=2 1200w, https://images.theconversation.com/files/593784/original/file-20240513-16-j9zy1i.png?ixlib=rb-4.1.0&amp;q=15&amp;auto=format&amp;w=600&amp;h=339&amp;fit=crop&amp;dpr=3 1800w, https://images.theconversation.com/files/593784/original/file-20240513-16-j9zy1i.png?ixlib=rb-4.1.0&amp;q=45&amp;auto=format&amp;w=754&amp;h=426&amp;fit=crop&amp;dpr=1 754w, https://images.theconversation.com/files/593784/original/file-20240513-16-j9zy1i.png?ixlib=rb-4.1.0&amp;q=30&amp;auto=format&amp;w=754&amp;h=426&amp;fit=crop&amp;dpr=2 1508w, https://images.theconversation.com/files/593784/original/file-20240513-16-j9zy1i.png?ixlib=rb-4.1.0&amp;q=15&amp;auto=format&amp;w=754&amp;h=426&amp;fit=crop&amp;dpr=3 2262w" alt="A figure with two circles and an arrow between them. One circle shows icons that symbolize individual susceptibility to deception -- like a brain, and a walking cane -- while the other has icons of types of deception, like mail or a text message." /></a><figcaption><span class="caption">Vulnerability depends not only on the person, but also the type of fraud being used.</span> <span class="attribution"><span class="source">Natalie Ebner and Didem Pehlivanoglu</span></span></figcaption></figure> <h2>Individual risk factors</h2> <p>Better cognition, social and emotional capacities, and brain health are all associated with less susceptibility to deception.</p> <p>Cognitive functions, such as how quickly our brain processes information and how well we remember it, <a href="https://doi.org/10.1177/1745691619827511">decline with age</a> and impact decision-making. For example, among people around 70 years of age or older, declines in analytical thinking are associated with <a href="https://doi.org/10.1037/xap0000426">reduced ability to detect false news stories</a>.</p> <p>Additionally, low memory function in aging is associated with <a href="https://doi.org/10.1093/geronb/gby036">greater susceptibility to email phishing</a>. Further, according to recent <a href="https://osf.io/preprints/osf/6f2y9">research</a>, this correlation is specifically pronounced among older adults who carry a gene variant that is a genetic risk factor for developing Alzheimer’s disease later in life. Indeed, some research suggests that greater financial exploitability may serve as <a href="https://doi.org/10.1016/j.neubiorev.2022.104773">an early marker</a> of disease-related cognitive decline.</p> <p>Social and emotional influences are also crucial. Negative mood can enhance somebody’s ability to detect lies, while <a href="https://doi.org/10.1037/xap0000426">positive mood in very old</a> age can impair a person’s ability to detect fake news.</p> <p>Lack of support and loneliness exacerbate susceptibility to deception. Social isolation during the COVID-19 pandemic has led to <a href="https://doi.org/10.1093/gerona/glaa077">increased reliance on online platforms</a>, and older adults with lower digital literacy are <a href="https://doi.org/10.1093/geront/gnac188">more vulnerable to fraudulent emails and robocalls</a>.</p> <p>Finally, an individual’s brain and body responses play a critical role in susceptibility to deception. One important factor is <a href="https://doi.org/10.1016/j.tins.2020.10.007">interoceptive awareness</a>: the ability to accurately read our own body’s signals, like a “gut feeling.” This awareness is correlated with <a href="https://doi.org/10.1093/geroni/igad104.3714">better lie detection</a> in older adults.</p> <p>According to <a href="https://doi.org/10.1093/gerona/glx051">a first study</a>, financially exploited older adults had a significantly smaller size of insula – a brain region key to integrating bodily signals with environmental cues – than older adults who had been exposed to the same threat but avoided it. Reduced insula activity is also related to greater difficulty <a href="https://doi.org/10.1073/pnas.1218518109">picking up on cues</a> that make someone appear less trustworthy.</p> <h2>Types of effective fraud</h2> <p>Not all deception is equally effective on everyone.</p> <p><a href="https://doi.org/10.1145/3336141">Our findings</a> show that email phishing that relies on reciprocation – people’s tendency to repay what another person has provided them – was more effective on older adults. Younger adults, on the other hand, were more likely to fall for phishing emails that employed scarcity: people’s tendency to perceive an opportunity as more valuable if they are told its availability is limited. For example, an email might alert you that a coin collection from the 1950s has become available for a special reduced price if purchased within the next 24 hours.</p> <p>There is also evidence that as we age, we have greater difficulty detecting the “wolf in sheep’s clothing”: someone who appears trustworthy, but is not acting in a trustworthy way. In <a href="https://doi.org/10.1038/s41598-023-50500-x">a card-based gambling game</a>, we found that compared with their younger counterparts, older adults are more likely to select decks presented with trustworthy-looking faces, even though those decks consistently resulted in negative payouts. Even after learning about untrustworthy behavior, older adults showed greater difficulty overcoming their initial impressions.</p> <h2>Reducing vulnerability</h2> <p>Identifying who is especially at risk for financial exploitation in aging is crucial for preventing victimization.</p> <p>We believe interventions should be tailored, instead of a one-size-fits-all approach. For example, perhaps machine learning algorithms could someday determine the most dangerous types of deceptive messages that certain groups encounter – such as in text messages, emails or social media platforms – and provide on-the-spot warnings. Black and Hispanic consumers are <a href="https://www.ftc.gov/system/files/documents/reports/combating-fraud-african-american-latino-communities-ftcs-comprehensive-strategic-plan-federal-trade/160615fraudreport.pdf">more likely to be victimized</a>, so there is also a dire need for interventions that resonate with their communities.</p> <p>Prevention efforts would benefit from taking a holistic approach to help older adults reduce their vulnerability to scams. Training in <a href="https://doi.org/10.1007/s40520-019-01259-7">financial, health</a> and <a href="https://www.nature.com/articles/s41598-022-08437-0.pdf">digital literacy</a> are important, but so are programs to <a href="https://doi.org/10.1186/s12889-021-10363-1">address loneliness</a>.</p> <p>People of all ages need to keep these lessons in mind when interacting with online content or strangers – but not only then. Unfortunately, financial exploitation often comes from individuals close to the victim.<!-- 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/227991/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/natalie-c-ebner-1527554"><em>Natalie C. Ebner</em></a><em>, Professor of Psychology, <a href="https://theconversation.com/institutions/university-of-florida-1392">University of Florida</a> and <a href="https://theconversation.com/profiles/didem-pehlivanoglu-1527551">Didem Pehlivanoglu</a>, Postdoctoral Researcher, Psychology, <a href="https://theconversation.com/institutions/university-of-florida-1392">University of Florida</a></em></p> <p><em>Image credits: Shutterstock</em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/are-older-adults-more-vulnerable-to-scams-what-psychologists-have-learned-about-whos-most-susceptible-and-when-227991">original article</a>.</em></p> </div>

Money & Banking

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Optus giving away 20,000 free phones to vulnerable customers

<p>Optus will be giving away 20,000 mobile phones to vulnerable customers ahead of the 3G network shut down. </p> <p>Following the footsteps of Telstra, who gave out <a href="https://www.oversixty.com.au/finance/money-banking/telstra-giving-free-phones-to-elderly-and-remote" target="_blank" rel="noopener">12,000 mobile phones</a> to their most vulnerable remote and elderly customers last month, Optus will offer thousands of free mobile phones to customers enduring financial hardship and vulnerable customers finding it difficult to replace their current phones. </p> <p>“We know that many impacted customers are actually using a 4G handset that reverts to 3G for calls, so it’s vital these customers understand the importance of upgrading their handsets when notified,” Optus’ head of new products Harvey Wright said.</p> <p>Messages have been sent to eligible customers, and the telco giant has also rolled out special deals encouraging Australian's to upgrade. </p> <p>The move to switch off 3G means that soon certain mobile devices will no longer be able to send texts, make calls, or contact triple-0 in an emergency. A few older 4G handsets will also be affected. </p> <p>Telstra will turn off their 3G network on August 31, while Optus will turn it off on September 1. </p> <p>TPG Telecom and Vodafone have already turned it off. </p> <p>Australia's mobile network operators say that the move will help boost the capacity, speed and reliability of the newer 4G and 5G networks. </p> <p>The Australian Mobile Telecommunications Association (AMTA) have also urged customers to take action to ensure that they stay connected. </p> <p>“Whether it’s your day-to-day mobile or one you keep in the drawer for an emergency, we encourage you to check all of your devices to ensure they will be supported once Australia’s 3G networks are switched off,” AMTA chief executive Louise Hyland said. </p> <p>The AMTA suggests that concerned customers should visit their <a href="https://amta.org.au/3g-closure/" target="_blank" rel="noopener">website</a> to find out if their devices will be supported. </p> <p>“It is important to note that while 3G networks are still in operation, those affected mobile devices will continue to connect to any available 3G network while in coverage, to make emergency calls to triple-0,” Hyland said.</p> <p>“However, once the 3G networks are fully closed, these phones will not be able to make emergency calls.</p> <p>“It is crucial to act now if you know you have an older mobile device and you haven’t already upgraded.”</p> <p><em>Image: Shutterstock</em></p>

Money & Banking

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The rental housing crisis is hurting our most vulnerable and demands a range of solutions (but capping rents isn’t one of them)

<p><em><a href="https://theconversation.com/profiles/andrew-beer-111469">Andrew Beer</a>, <a href="https://theconversation.com/institutions/university-of-south-australia-1180">University of South Australia</a> and <a href="https://theconversation.com/profiles/emma-baker-172081">Emma Baker</a>, <a href="https://theconversation.com/institutions/university-of-adelaide-1119">University of Adelaide</a></em></p> <p>Roughly <a href="https://www.abs.gov.au/statistics/people/housing/housing-occupancy-and-costs/2019-20">one in three Australians</a> rent their homes. It’s Australia’s fastest-growing tenure, but renting is increasingly unaffordable. From 2020 to 2022, our <a href="https://papers.ssrn.com/sol3/papers.cfm?abstract_id=4253168">research</a> found a large increase in the proportion of renters who said their housing was unaffordable.</p> <figure class="align-center zoomable"><a href="https://images.theconversation.com/files/542737/original/file-20230815-25187-p7vxqo.png?ixlib=rb-1.1.0&amp;q=45&amp;auto=format&amp;w=1000&amp;fit=clip"><img src="https://images.theconversation.com/files/542737/original/file-20230815-25187-p7vxqo.png?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/542737/original/file-20230815-25187-p7vxqo.png?ixlib=rb-1.1.0&amp;q=45&amp;auto=format&amp;w=600&amp;h=217&amp;fit=crop&amp;dpr=1 600w, https://images.theconversation.com/files/542737/original/file-20230815-25187-p7vxqo.png?ixlib=rb-1.1.0&amp;q=30&amp;auto=format&amp;w=600&amp;h=217&amp;fit=crop&amp;dpr=2 1200w, https://images.theconversation.com/files/542737/original/file-20230815-25187-p7vxqo.png?ixlib=rb-1.1.0&amp;q=15&amp;auto=format&amp;w=600&amp;h=217&amp;fit=crop&amp;dpr=3 1800w, https://images.theconversation.com/files/542737/original/file-20230815-25187-p7vxqo.png?ixlib=rb-1.1.0&amp;q=45&amp;auto=format&amp;w=754&amp;h=273&amp;fit=crop&amp;dpr=1 754w, https://images.theconversation.com/files/542737/original/file-20230815-25187-p7vxqo.png?ixlib=rb-1.1.0&amp;q=30&amp;auto=format&amp;w=754&amp;h=273&amp;fit=crop&amp;dpr=2 1508w, https://images.theconversation.com/files/542737/original/file-20230815-25187-p7vxqo.png?ixlib=rb-1.1.0&amp;q=15&amp;auto=format&amp;w=754&amp;h=273&amp;fit=crop&amp;dpr=3 2262w" alt="horizontal bar chart showing changes in Australian renters' assessments of affordability form 2020 to 2022" /></a><figcaption><span class="caption">Change in Australian renters’ assessments of affordability from 2020 to 2022.</span> <span class="attribution"><span class="source">Baker, Daniel, Beer, et al, forthcoming, The Australian Housing Conditions Dataset, doi:10.26193/SLCU9J, ADA Dataverse</span></span></figcaption></figure> <p>Australians are concerned about the <a href="https://www.theguardian.com/australia-news/2023/jul/05/rents-rise-again-across-australia-with-sydney-seeing-fastest-rise-in-20-years">pace</a> of <a href="https://www.sbs.com.au/news/article/how-much-has-rent-increased-around-australia/8ljlnf0zm">rent rises</a>. Prime Minister Anthony Albanese <a href="https://www.pm.gov.au/media/national-cabinet-meeting">says</a> increasing housing supply and affordability is the “key priority” for tomorrow’s national cabinet meeting.</p> <p>The crisis has impacts well beyond affordability. The rental sector is where the worst housing accommodates the poorest Australians with the worst health.</p> <h2>The unhealthy state of rental housing</h2> <p>Forthcoming data from the <a href="https://dataverse.ada.edu.au/dataverse/ahcdi">Australian Housing Conditions Dataset</a> highlight some of these parallel challenges:</p> <ul> <li> <p>it’s often insecure – the average lease is less than 12 months, and less than a third of formal rental agreements extend beyond 12 months</p> </li> <li> <p>rental housing quality is often very poor – 45% of renters rate the condition of their dwelling as “average, poor, or very poor”</p> </li> <li> <p>poor housing conditions put the health of renters at risk – 43% report problems with damp or mould, and 35% have difficulty keeping their homes warm in winter or cool in summer</p> </li> <li> <p>compounding these health risks, people with poorer health are over-represented in the rental sector. Renters are almost twice as likely as mortgage holders to have poorer general health.</p> </li> </ul> <p>Measures that potentially restrict the supply of lower-cost rental housing – such as rent caps – will <a href="https://papers.ssrn.com/sol3/papers.cfm?abstract_id=4253168">worsen these impacts</a>. More households will be left searching in a shrinking pool of affordable housing.</p> <h2>It’s all about supply</h2> <p>Fixing the rental crisis needs more than a single focus on private rental housing. The movement between households over time between renting and buying homes means the best solutions are those that boost the supply of affordable housing generally. No one policy can provide all the answers.</p> <p>Governments should be looking at multiple actions, including:</p> <ul> <li> <p>requiring local councils to adopt affordable housing strategies as well as mandating <a href="https://www.ahuri.edu.au/analysis/brief/understanding-inclusionary-zoning">inclusionary zoning</a>, which requires developments to include a proportion of affordable homes</p> </li> <li> <p>improving land supply through better forecasting at the national, state and local levels</p> </li> <li> <p>giving housing and planning ministers the power to deliver affordable housing targets by providing support for demonstration projects, subsidised land to social housing providers and access to surplus land</p> </li> <li> <p>boosting the recruitment and retention of skilled construction workers from both domestic and international sources.</p> </li> </ul> <h2>The biggest landlord subsidy isn’t helping</h2> <p>More than <a href="https://data.gov.au/data/dataset/taxation-statistics-2020-21/resource/ebbd32e3-4556-41e1-a8b9-33387457d518">1 million Australians</a> claim a net rent loss (negative gearing) each year. Even though negative gearing is focused on rental investment losses, it is not strictly a housing policy as it applies to many types of investment.</p> <p>The impact of negative gearing on the housing system is untargeted and largely uncontrolled. As a result, it’s driving outcomes that are sometimes at odds with the need to supply well-located affordable housing.</p> <p>The most impactful action the Australian government could take to deliver more affordable rental housing nationwide would involve refining negative-gearing arrangements to boost the supply of low-income rentals. These measures may involve</p> <ul> <li>limiting negative gearing to dwellings less than ten years old</li> <li>introducing a low-income tax credit scheme similar to the one in the United States.</li> </ul> <p>We can learn much from the US, where the Low-Income Housing Tax Credit (<a href="https://www.huduser.gov/portal/datasets/lihtc.html">LIHTC</a>) scheme subsidises the acquisition, construction and renovation of affordable rental housing for tenants on low to moderate incomes. Since the mid-1990s, the program has supported the construction or renovation of about 110,000 affordable rental units each year. That adds up to over <a href="https://www.taxpolicycenter.org/briefing-book/what-low-income-housing-tax-credit-and-how-does-it-work">2 million units</a> at an estimated annual cost of US$9billion (A$13.8billion).</p> <p>This scheme is much less expensive per unit of affordable housing delivered than Australia’s system of negative gearing.</p> <p>Closer to home, the previous National Rental Affordability Scheme showed the value of targeted financial incentives in encouraging affordable housing. This scheme, available to private and disproved investors, generated positive outcomes for tenants. The benefits included better health for low-income tenants who were able to moved into quality new housing.</p> <p>A <a href="https://cityfutures.ada.unsw.edu.au/documents/81/Next_moves_report.pdf">raft</a> of <a href="https://apo.org.au/node/260431">evaluations</a> have <a href="https://www.ahuri.edu.au/research/final-reports/267">demonstrated</a> the achievements of this scheme.</p> <h2>Crisis calls for lasting solutions</h2> <p>Short-term measures such as rent caps or eviction bans will not provide a solution in the near future or even the medium or long term. Instead, these are likely to worsen both the housing costs and health of low-income tenants.</p> <p>Reform focused on ongoing needs is called for. Solutions that can be implemented quickly include the tighter targeting of negative gearing and the introduction of a low-income housing tax credit.</p> <p>Talking about change, as the national cabinet is doing, will begin that process of transformation, but it must be backed up by a range of measures to boost the supply of affordable housing. This, in turn, will improve the housing market overall as affordable options become more widely available.<!-- 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/211275/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/andrew-beer-111469">Andrew Beer</a>, Executive Dean, UniSA Business, <a href="https://theconversation.com/institutions/university-of-south-australia-1180">University of South Australia</a> and <a href="https://theconversation.com/profiles/emma-baker-172081">Emma Baker</a>, Professor of Housing Research, <a href="https://theconversation.com/institutions/university-of-adelaide-1119">University of Adelaide</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/the-rental-housing-crisis-is-hurting-our-most-vulnerable-and-demands-a-range-of-solutions-but-capping-rents-isnt-one-of-them-211275">original article</a>.</em></p>

Real Estate

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"This is about looking after the vulnerable": Major gambling reform unveiled

<p>NSW Premier Dominic Perrottet plans to spend $340 million to overhaul the NSW gambling industry in what he describes as the largest social, community and law enforcement reforms in the state’s history.</p> <p>In order to stop problem gambling and eliminate money laundering in pubs and clubs, NSW is set to roll out cashless poker machines.</p> <p>There will be an introduction of mandatory cashless gambling across all venues in NSW. Any new machines purchased are required to be cashless and the roll out of the digital machines will begin early next year.</p> <p>The plan is for poker machines in NSW to be entirely cashless by 2028. It is an enormous transition. “I’ll work to ensure no-one is left behind, that no jobs are lost,” Perrottet said.</p> <p>The plan will provide no-interest loans for small and medium venues to assist them with the roll out of the cashless technology. It also provides a one-off $50,000 “diversification” grant for venues to invest in new income.</p> <p>Gamblers will also be able to set a daily limit for themselves, which will be locked for seven days in order to stop spending more than planned, and they will only be able to use money from their personal bank account; credit cards will no longer be accepted.</p> <p>“Today, we fix money laundering, we fix problem gambling and we support pubs and clubs across New South Wales,” Perrottet said.</p> <p>The reform is the result of a report released by the NSW Police Commission which had recommended many of the changes in attempt to stop money laundering.</p> <p><em>Image credit: Getty </em></p>

Legal

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"You have to beg for help": how our welfare system pressures people to perform vulnerability

<p>People who rely on welfare payments to survive are often required to repeatedly tell stories of their personal hardships.</p> <p>In a <a href="https://www.theguardian.com/australia-news/2022/jun/07/job-seekers-could-have-welfare-stopped-under-onerous-new-points-based-system-advocates-warn">conditional welfare system</a>, many must regularly attend compulsory appointments, job search training courses, and self-development and treatment programs simply to receive their payments.</p> <p>People in extreme hardship often tell their stories even more frequently as they seek extra relief from non-government charities and community providers.</p> <p>Those on income support payments below the relative poverty line feel the crunch of <a href="https://www.ncoss.org.au/wp-content/uploads/2022/07/NCOSS_CostOfLiving22_FINAL_DESIGNED.pdf">inflation and rising living costs</a> most severely. This means many will require extra support from welfare services to meet their basic needs.</p> <p>Integral to this system is the idea of “performing vulnerability”.</p> <p>“Performing vulnerability” – a term I borrow from UK-based researcher <a href="https://policy.bristoluniversitypress.co.uk/vulnerability-and-young-people">Kate Brown</a> to update Australian academic <a href="https://www.cambridge.org/core/books/lowest-rung/FA159318C2D046EDD3C9347C8B8E4F2E">Mark Peel’s</a> idea of “performing poverty” – is not just about repeatedly describing personal hardship. </p> <p>It points to the expectation to describe hardship in particular ways that are recognisable – and hence believable – to support providers.</p> <p>My book, <a href="https://policy.bristoluniversitypress.co.uk/making-a-life-on-mean-welfare">Making a Life on Mean Welfare: Voices from Multicultural Sydney </a>shows how the expectation to perform vulnerability to access support shapes experiences on both sides of the welfare frontline. </p> <p>It can compound the cycle of disadvantage associated with receiving welfare in the long term. It does so by <a href="https://journals.sagepub.com/doi/10.1177/0038026119876775">fostering mistrust</a> between welfare users and providers, as well as tainting how people in need of support see themselves and their situation.</p> <h2>‘Tell me your story’</h2> <p>For my doctoral research, I spent 18 months speaking to welfare users and workers in culturally and linguistically diverse southwest Sydney. I also observed different aspects of service delivery while volunteering at a community welfare organisation. I interviewed 25 welfare users and 11 community welfare practitioners.</p> <p>As a researcher of everyday experiences of welfare and poverty, I know all too well what it is like to ask people to tell their stories of hardship yet again.</p> <p>I also grew up in an impoverished family reliant on welfare to get by. I know firsthand what the impact of retelling stories of hardship can be, particularly when the audience is, as Peel <a href="https://www.cambridge.org/core/books/lowest-rung/FA159318C2D046EDD3C9347C8B8E4F2E">puts</a> it, “someone who has the power to give or deny them something they need”.</p> <p>One of the community welfare practitioners I interviewed summed it up by saying: "They’re coming again feeling ashamed. They’ve knocked on someone’s door, to tell yet again how shitty their situation is."</p> <p>Her response was to chat and put them at ease before saying, “Can you tell me your story?” She would follow up by saying, “You’ve given me some insight, let’s formalise your story a little bit.”</p> <p>Some welfare workers showed more scepticism, particularly when it came to giving out emergency relief. </p> <p>When someone refused to share more than the minimum information required to be eligible for extra assistance, one welfare worker commented: "That person doesn’t want to take responsibility."</p> <p>Another practitioner told me, “That woman dramatised her situation,” but quickly added, “That doesn’t mean she wasn’t genuine.”</p> <p>The willingness of people seeking assistance to disclose personal hardships and do so convincingly impacts on how deserving they may come across to those delivering support. The pressure to perform can overshadow encounters between welfare users and workers even when it doesn’t determine the outcome.</p> <h2>‘It’s your dignity’</h2> <p>Among the most marginal welfare recipients I spoke to, “performing vulnerability” was another toll of poverty.</p> <p>Those experiencing the worst hardship frequently told me about having to explain “the ins and outs” and feeling “embarrassed”, “intimidated” or “uncomfortable” when they had to present to welfare agencies.</p> <p>Two young people (whom I have given fictional names) powerfully conveyed the cost of telling all about their struggles:</p> <blockquote> <p>Kane: Often if you go to them sorts of people (welfare agencies) you’ve gotta put it all out there, that you’re homeless, that you got nothing, you got no friends, no family – and then they’re gonna go boom “alright” (you get the help you came for)…</p> <p>Nessa: Yeah, that’s what I had to do to get a house and it’s embarrassing (talking over each other) I think it’s embarrassing.</p> <p>Kane: You gotta go down to those levels you know – it’s wrong.</p> <p>Nessa: When you gotta expose everything and don’t want to, it’s, like, your dignity.</p> <p>Kane: Yeah, it’s everything.</p> </blockquote> <h2>Performing is not pretending</h2> <p>The most marginal welfare users get a great deal of practice performing their hardship. But knowing how to tell their story a certain way is not the same as pretending.</p> <p>Not only do people at the sharp end of the welfare system have to endure the hardships of poverty, but they must then recite it in a way that registers as genuine, pressing and beyond reprieve.</p> <p>As a woman living on the disability support pension put it:"You don’t have the flexibility that a rich person has to respond to crisis, so you have to beg for help. That takes time! And you know you’ll be judged like it’s your fault."</p> <p>A welfare system that demands disclosure of personal hardships – even when geared towards being <a href="https://onlinelibrary-wiley-com.ezproxy.uws.edu.au/doi/full/10.1111/1468-4446.12740">supportive</a> rather than suspicious – can undermine dignity and hold back those unwilling or unable to tell their story convincingly or in enough detail.</p> <p><em>Image credits: Getty Images </em></p> <p><em>This article originally appeared on <a href="https://theconversation.com/you-have-to-beg-for-help-how-our-welfare-system-pressures-people-to-perform-vulnerability-180975" target="_blank" rel="noopener">The Conversation</a>. </em></p>

Retirement Income

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When hosting mega-events like FIFA, cities market themselves at the expense of the most vulnerable

<p>Few events capture the attention of the globe like the Men’s FIFA World Cup — in 2018, the event boasted a viewership of <a href="https://www.fifa.com/tournaments/mens/worldcup/2018russia/media-releases/more-than-half-the-world-watched-record-breaking-2018-world-cup">3.5 billion people</a>. Yet, despite the enormous popularity of the World Cup, <a href="https://www.aljazeera.com/sports/2022/11/17/do-host-countries-make-money-from-the-world-cup">host cities and countries invariably lose money</a> on the event itself, with FIFA capturing most of the profits despite its non-profit status.</p> <p>The calculus of host cities is based on the hope that successfully hosting a World Cup (or Olympics) will significantly enhance a city’s urban brand and ultimately lead to long-term increases in tourism and foreign direct investment.</p> <p>In other words, the argument is that a successful stint as a host city will identify that city as “<a href="https://www.jstor.org/stable/40643231">world-class</a>” and change its economic fortunes. This justification, at least from an economic point of view, relies on <a href="https://doi.org/10.1080/02614360500504628">some pretty fuzzy math and long-term forecasting that rarely gets audited</a>.</p> <p>I attended the 2010 World Cup in South Africa to study how various communities attempted to have their voices heard and needs met through the planning process for that event. I continue to research how hosting large-scale events intersect with other trends in global and local urbanization.</p> <p><strong>Urban branding</strong></p> <p>This mission of improving one’s urban brand to attract tourist and foreign investment leads cities to focus their attention to the perceived needs. Or, more precisely, the perceived desires of potential tourists and investors, as opposed to the needs and desires of the people who already live, work and play in these cities.</p> <p>This shift in focus is part of larger trends of cities becoming <a href="https://doi.org/10.1080/04353684.1989.11879583">increasingly entrepreneurial in our globalized world</a>.</p> <p>And to this end, host cities pursue a fairly predictable path to demonstrate their world-classness. As Streetnet International, a South Africa-based international organization of street vendors, put it in their World Class Cities For All campaign:</p> <blockquote> <p>“It has become a boringly predictable reality that, when a country prepares to host a high-profile international event, <a href="https://streetnet.org.za/document/world-class-cities-for-all/">the country and its local government authorities prepare to create ‘World Class Cities’ of a particular type</a>, i.e. ‘World Class Cities’ which will attract foreign investment; have modern up-to-date infrastructure; have no visible signs of urban decay; have smooth traffic flows; have no visible poor people or social problems.”</p> </blockquote> <figure class="align-center zoomable"><a href="https://images.theconversation.com/files/497721/original/file-20221128-4871-ip7vgt.jpg?ixlib=rb-1.1.0&amp;q=45&amp;auto=format&amp;w=1000&amp;fit=clip"><img src="https://images.theconversation.com/files/497721/original/file-20221128-4871-ip7vgt.jpg?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/497721/original/file-20221128-4871-ip7vgt.jpg?ixlib=rb-1.1.0&amp;q=45&amp;auto=format&amp;w=600&amp;h=402&amp;fit=crop&amp;dpr=1 600w, https://images.theconversation.com/files/497721/original/file-20221128-4871-ip7vgt.jpg?ixlib=rb-1.1.0&amp;q=30&amp;auto=format&amp;w=600&amp;h=402&amp;fit=crop&amp;dpr=2 1200w, https://images.theconversation.com/files/497721/original/file-20221128-4871-ip7vgt.jpg?ixlib=rb-1.1.0&amp;q=15&amp;auto=format&amp;w=600&amp;h=402&amp;fit=crop&amp;dpr=3 1800w, https://images.theconversation.com/files/497721/original/file-20221128-4871-ip7vgt.jpg?ixlib=rb-1.1.0&amp;q=45&amp;auto=format&amp;w=754&amp;h=506&amp;fit=crop&amp;dpr=1 754w, https://images.theconversation.com/files/497721/original/file-20221128-4871-ip7vgt.jpg?ixlib=rb-1.1.0&amp;q=30&amp;auto=format&amp;w=754&amp;h=506&amp;fit=crop&amp;dpr=2 1508w, https://images.theconversation.com/files/497721/original/file-20221128-4871-ip7vgt.jpg?ixlib=rb-1.1.0&amp;q=15&amp;auto=format&amp;w=754&amp;h=506&amp;fit=crop&amp;dpr=3 2262w" alt="overhead view of a building site in the desert" /></a><figcaption><span class="caption">In Doha, several stadiums were built to host the FIFA World Cup.</span> <span class="attribution"><span class="source">(AP Photo/Vadim Ghirda)</span></span></figcaption></figure> <p><strong>Increased policing, decreased social investment</strong></p> <p>There are common themes to how cities approach their hosting duties and branding pursuits. However, the particular interventions that each city makes to create this type of world- class city are unique to their particular context.</p> <p>Unfailingly, cities significantly increase policing, both in the sheer numbers of police, military and surveillance measures as well as the powers afforded to the police and military. These powers are used to police undesirable activities and individuals — those activities and people deemed incommensurate with the desired world-class brand.</p> <p>Youth, the unhoused or precariously housed, street vendors and racialized individuals <a href="https://doi.org/10.1080/17430437.2010.520938">experience the brunt of these increases</a>.</p> <p>In South Africa in 2010, FIFA courts were established to exact “<a href="https://www.nytimes.com/2010/06/21/sports/soccer/21iht-wcsoccer.html">swift and severe justice</a>” for crimes committed against tourists and journalists during the 2010 World Cup. In Qatar, there has been <a href="https://www.thestar.com/politics/2022/11/24/lgbtq-and-other-rights-issues-at-world-cup-a-huge-blemish-on-fifa-hall-of-famer.html">targeted policing of LGBTQ+ people and allies</a>.</p> <p>Additionally, the quest for this type of world-class-city brand also leads to uneven investment and under-investment as cities are forced to make choices about how to invest their municipal budgets.</p> <p>Tourist areas <a href="https://www.jstor.org/stable/25765282">see significant infrastructure investments while those off the tourist map are often ignored</a>. This is intensified by <a href="https://doi.org/10.1177/0196859905275971">television coverage of these places and events</a>.</p> <p>In Durban, South Africa, this meant significant investment along the waterfront and the construction of a shiny new soccer stadium (across the street from an existing rugby stadium) while other parts of the city, off the beaten path of journalists and tourists, continued to lack even basic infrastructure.</p> <figure class="align-center zoomable"><a href="https://images.theconversation.com/files/497776/original/file-20221128-14-4gf988.jpg?ixlib=rb-1.1.0&amp;rect=0%2C0%2C1920%2C1080&amp;q=45&amp;auto=format&amp;w=1000&amp;fit=clip"><img src="https://images.theconversation.com/files/497776/original/file-20221128-14-4gf988.jpg?ixlib=rb-1.1.0&amp;rect=0%2C0%2C1920%2C1080&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/497776/original/file-20221128-14-4gf988.jpg?ixlib=rb-1.1.0&amp;q=45&amp;auto=format&amp;w=600&amp;h=338&amp;fit=crop&amp;dpr=1 600w, https://images.theconversation.com/files/497776/original/file-20221128-14-4gf988.jpg?ixlib=rb-1.1.0&amp;q=30&amp;auto=format&amp;w=600&amp;h=338&amp;fit=crop&amp;dpr=2 1200w, https://images.theconversation.com/files/497776/original/file-20221128-14-4gf988.jpg?ixlib=rb-1.1.0&amp;q=15&amp;auto=format&amp;w=600&amp;h=338&amp;fit=crop&amp;dpr=3 1800w, https://images.theconversation.com/files/497776/original/file-20221128-14-4gf988.jpg?ixlib=rb-1.1.0&amp;q=45&amp;auto=format&amp;w=754&amp;h=424&amp;fit=crop&amp;dpr=1 754w, https://images.theconversation.com/files/497776/original/file-20221128-14-4gf988.jpg?ixlib=rb-1.1.0&amp;q=30&amp;auto=format&amp;w=754&amp;h=424&amp;fit=crop&amp;dpr=2 1508w, https://images.theconversation.com/files/497776/original/file-20221128-14-4gf988.jpg?ixlib=rb-1.1.0&amp;q=15&amp;auto=format&amp;w=754&amp;h=424&amp;fit=crop&amp;dpr=3 2262w" alt="armed police on horseback watch over a crowd." /></a><figcaption><span class="caption">In this image from video, Qatari police stand by on horseback as other security officials try to control a crowd at a FIFA Fan Zone on Nov. 19, 2022. Authorities turned away thousands of fans from a concert celebrating the World Cup beginning the next day.</span> <span class="attribution"><span class="source">(AP Photo/Srdjan Nedeljkovic)</span></span></figcaption></figure> <p><strong>Exposes the cracks</strong></p> <p>The current approach to hosting a World Cup puts unique and focused pressures on urban systems and infrastructure. In the process, it exposes the already existing cracks in the system and exacerbates existing inequalities.</p> <p>The World Cup did not create the labour system and working conditions of temporary migrant workers in Doha. However, both the magnitude and speed of construction to meet hosting needs undoubtedly ramped up the exploitation of the system, leading to <a href="https://www.theguardian.com/global-development/2021/feb/23/revealed-migrant-worker-deaths-qatar-fifa-world-cup-2022">thousands of worker deaths</a>.</p> <p>We need to reframe how a world-class city is defined to one that is more liveable, sustainable and just. This will inspire future host cities to pursue this status in a manner that does not increase policing and exacerbate inequalities.<!-- 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/195069/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>Writen by David Roberts. Republished with permission from <a href="https://theconversation.com/when-hosting-mega-events-like-fifa-cities-market-themselves-at-the-expense-of-the-most-vulnerable-195069" target="_blank" rel="noopener">The Conversation</a>.</em></p> <p><em>Image: Getty Images</em></p>

Real Estate

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22 signs your house is vulnerable to being robbed

<p><strong>How secure is your home?</strong></p> <p>Here’s how to make sure your home doesn’t become the latest crime statistic. It takes burglars on average five minutes to enter your home, so learn which aspects of your property put you at risk.</p> <p><strong>Your front door</strong></p> <p>This may seem too obvious to be true, but the majority of intruders come in through a door – and many of them are already open. Why? It’s easy access and burglars are all about doing whatever is easiest, says Jacob Paulsen, security expert. One in four homeowners confesses to frequently leaving the front door unlocked and half do it occasionally, according to a Nationwide Insurance survey.</p> <p>And considering that the majority of home burglaries happen in the daytime, between 6 a.m. and 6 p.m., knocking on your front door allows thieves to pose as salesmen or delivery people while covertly checking your doorknob. So, yes, it’s obvious, but we’ll say it again: Lock your door! In addition, replace any hollow-core or sectioned doors with ones made from a solid piece or wood or metal, Paulsen suggests.</p> <p><strong>Your porch</strong></p> <p>People stealing packages off your front porch – aka porch pirates – is one of the fastest rising crime trends. Nearly ⅓ of people have had packages stolen and over half of people say they know someone who has, according to a survey done by Comcast. Thieves have even been known to follow delivery trucks around neighbourhoods, stealing packages almost as soon as they’re dropped off.</p> <p>Having a doorbell camera may deter some would-be pirates but your best defence is not having your packages delivered to your porch, Paulsen says. “Have packages delivered to your office or to a neighbour who is home most of the time,” he advises. “If those aren’t options, consider putting delivery instructions on the order form to leave the package at a side door or in a special box.”</p> <p><strong>Your garbage</strong></p> <p>The good news: Property crimes have been decreasing steadily for the past decade, according to recent data. But that doesn’t mean you can let your guard down. Setting out the box from your new 60-inch HDTV or high-end gaming console on the kerb is basically advertising the fact that those items are in your home.</p> <p>As electronics are the second thing burglars go for (cash is number one), this makes your home a very attractive target, according to the study. So buy a cheap box cutter and invest the 30 seconds it takes to break down large boxes and bundle them together so their labels can’t be seen. Plus, your garbage collector will thank you!</p> <p><strong>Your street</strong></p> <p>Thanks to better lighting and increased traffic, homes in high-visibility places, like on corner lots, are far less likely to be broken into, Paulsen says. There are simply too many potential ways to be seen. But townhomes, houses in the middle of the block, or houses in a cul-de-sac are much better targets. This is especially true if your property backs up to a forest, open lot, or another unguarded area.</p> <p>The trick, he says, is to make your house as difficult as possible to access from all sides. How much? “You don’t have to be Fort Knox, you just have to be less appealing to a thief than your neighbour is,” he adds.</p> <p><strong>Your health</strong></p> <p>As the opioid epidemic rages, thefts of drugs, particularly prescription painkillers, are on the rise. And as heartbreaking as it is to say, both professional thieves and junkies know that people who are elderly or chronically ill often have lots of medication lying around.</p> <p>So if you are in these circumstances, it might be worth taking extra precautions (such as installing a good home security system) to make your house a less attractive target, Paulsen says.</p> <p><strong>Your car</strong></p> <p>Breaking into your car is often the first step to breaking into your home, Paulsen says. Things like car registrations, insurance cards, mail, packages, and even pharmacy receipts not only show your home address but can offer big clues to what kind of valuables you may own.</p> <p>Always lock your car doors, even if it’s just parked in your driveway. “Don’t keep anything with your address on it in a visible place in your car or in your glove box,” he says. “If you do use the glovebox, make sure it stays locked.”</p> <p><strong>Your garage door opener</strong></p> <p>You’d never leave your house keys just lying around in the open yet many people leave their garage door openers visible in their cars – and your garage door opener is almost as good as the key to your front door, Paulsen says. Another garage issue is keypads with obvious signs of wear or using simplistic or repetitive passcodes, making it easy for criminals to guess your code and get into your garage and your house.</p> <p>In fact, nearly 40 percent of homeowners said they never change their garage codes, according to the Nationwide survey. Keep your openers out of view, pick difficult passcodes, and change them regularly. Some newer versions of garage door openers pair with your smartphone, eliminating the need for a separate opener all together. </p> <p><strong>Your windows</strong></p> <p>First-level entry windows are the second-most common entry point for burglars because it’s relatively easy to jimmy a window open, Paulsen says. And even people who are diligent about locking their doors will often leave a window cracked open, especially in warm weather.</p> <p>“A locked window is often enough to deter thieves but if you need some fresh air, install a window jam that will only allow the pane to be pushed open a few centimetres,” he says. You can also install alarms that let you know if your window is opened or broken while you’re away, he adds.</p> <p><strong>Your doorbell</strong></p> <p>Doorbell cameras are popping up everywhere and at first glance, it may seem like a great way to reduce all kinds of crimes in your neighbourhood. Unfortunately, the reality doesn’t seem to support that, with independent research showing no decrease in break-ins or overall crime in neighbourhoods that have the cameras, according to research published in MIT Technology Review.</p> <p>Researchers aren’t sure exactly why this is but Paulsen points out that the cameras can still be useful for many things, including helping you see who is at your door before answering it, so they are still worth having if your budget allows.</p> <p><strong>Your neighbours</strong></p> <p>Make friends with those who live around you, or at least a passing acquaintance, as watchful neighbours can be your best allies in home defence, Paulsen says.</p> <p>You don’t want to tell everyone when you’re headed out of town (especially not on the internet) but you do want to tell your plans to your neighbours and your neighbourhood watch program, if you have one, so they can keep an eye out for strange behaviour or people they don’t recognise.</p> <p><strong>Your front yard</strong></p> <p>Having an unkempt front yard, littered with door ads, old newspapers and weeds, is a blaring sign that no one is home and one that criminals look for, Paulsen says. If you’re out of town, ask a neighbour to pick up any papers, turn lights on and off, and basically make your house look lived in, he advises. Or, even better, hire a house sitter.</p> <p><strong>Your holiday pics</strong></p> <p>One in four people admits posting pics and check-ins on social media while out of town, according to the Nationwide survey. And while putting your holiday pictures online might get you a lot of likes, it also notifies your friends and acquaintances that you’re now far from home, making your house a prime target for anyone with ill intentions or just an opportunistic streak.</p> <p>Instead, make sure your social media profiles aren’t public, set your privacy settings to max, and wait to post your beautiful beach selfies until you get home, Paulsen says.</p> <p><strong>Your tool shed</strong></p> <p>Outdoor structures like sheds, detached garages and patios make great targets for thieves as they’re less likely to be secured and usually contain expensive items like tools, bicycles, electronics and machinery, Paulsen says. Make sure all outdoor structures are secured with a good padlock, he says, adding that it’s worth it to pay the extra money to get a lock that comes with a warranty.</p> <p>Some manufacturers offer a warranty both for the lock itself and for belongings that are stolen when the lock is broken by thieves. Make sure to read the fine print on lock warranties and in your home owner’s insurance policy.</p> <p><strong>Your neighbourhood's age</strong></p> <p>Criminals tend to target newer neighbourhoods and developments, hoping to take advantage of residents who are new to the area and might not be very familiar with it yet. This is especially true if the area is on the wealthier side. In addition, they target lower-income neighbourhoods as security may not be as tight.</p> <p>Close-knit neighbourhoods with long-standing residents, where everyone knows one another, are less likely targets. “This is even more reason to get to know your neighbours right away,” Paulsen says. “Give them your number and make sure you have theirs.”</p> <p><strong>Your neighbourhood's crime history</strong></p> <p>Certain neighbourhoods are more vulnerable to certain types of crimes, and that is especially true for burglaries. A quick glance at the weekly police blotter (or a quick call to your local precinct) can give you a heads-up to whether cars or computers are the hot commodities in your place, and then you can take specific steps to protect yours.</p> <p>For example, one neighbourhood experienced a rash of car break-ins and people used social media to point out the pattern, warn their neighbours and share tips.</p> <p><strong>Your alarm system</strong></p> <p>Simply having an alarm system won’t help you if you don’t use it, and 30 percent of alarm owners say they don’t bother activating it when they leave home, according to the Nationwide survey. In addition, nearly half reported almost never changing their code.</p> <p>Forget the old trick of having a security sign in your front yard – thieves are wise to that game and will still try the doors and windows, banking that you’re bluffing or forget to turn it on. You have to arm your alarm every time you leave your home.</p> <p><strong>Your landscaping</strong></p> <p>Tall, lush greenery is great at protecting your privacy from prying neighbours, but it’s also great at hiding burglars, Paulsen says. Thieves specifically target homes with shrubs or trees that grow thickly around the front or sides of the house, so keep yours trimmed away from walls and below window height – even if that means having to wave to Ned and Nancy over your morning coffee.</p> <p>Also, having a well-maintained yard indicates that you’re vigilant about your home and likely paying close attention to it.</p> <p><strong>Your door locks</strong></p> <p>Time is the most important factor in a successful burglary – the average thief is in and out in less than ten minutes. Picking a regular door lock is a piece of cake for most experienced burglars, but most won’t want to waste precious minutes messing with a deadbolt or more secure lock, Paulsen says.</p> <p>If it takes them more than a minute to get in, chances are the next house will be easier and they’ll just move on, he says. For maximum effectiveness, make sure you have the extra locks installed on all exterior doors – not just the front.</p> <p><strong>Your door plate</strong></p> <p>The strike plate is the piece of metal that holds the bolt when your lock is in the locking position – and unfortunately standard ones are very small and flimsy, making your door easy to kick in, Paulsen says. “This is an easy fix, just go to any home improvement store and get a bigger strike plate,” he says.</p> <p>For additional protection, you can purchase a door reinforcement kit for under $100 that will shore up the weak spots that thieves commonly exploit.</p> <p><strong>Your outdoor lights</strong></p> <p>At night, a burglar’s best friend is a dark home, according to Nationwide’s research. Fortunately, deterring criminals banking on the cover of darkness may be as simple as turning on your outdoor lights at night.</p> <p>Not a fan of wasting all that electricity? Go with motion-activated floodlights, especially in your backyard or dark corners of your home, Paulsen says.</p> <p><strong>Your mailbox</strong></p> <p>It takes two minutes online or on the phone to put a hold on your mail while you’re gone and subvert the number one signal burglars look for: an overflowing porch or mailbox.</p> <p><strong>Your dog</strong></p> <p>Dog owners, you’re in luck: A survey of 86 convicted thieves found that a “large sounding” dog is the single greatest deterrent to robbing your house, Paulsen says. And that goes for small, noisy dogs as well as larger, threatening-looking ones.</p> <p>If you can’t or don’t want to have a dog, you can buy a dog barking machine and set it to respond the doorbell or knocks or put it on a motion sensor, he advises. “Even a ‘beware of Rottweiler’ sign in your front window can help,” he adds.</p> <p><em>Image credits: Getty Images</em></p> <p><em>This article originally appeared on <a href="https://www.readersdigest.com.au/food-home-garden/home-tips/22-signs-your-house-is-vulnerable-to-being-robbed?pages=1" target="_blank" rel="noopener">Reader's Digest</a>. </em></p>

Home & Garden

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"There is great strength in vulnerability": Grace Tame’s surprising, irreverent memoir has a message of hope

<p>Grace Tame’s <em>The Ninth Life of a Diamond Miner</em> shifts expectations. It’s not a minute-to-minute backstage account of the 12 months Tame spent as Australian of the Year, or the <a href="https://www.theguardian.com/australia-news/2019/aug/12/tasmanian-survivor-of-sexual-assault-wins-the-right-to-tell-her-story" target="_blank" rel="noopener">#LetHerSpeak campaign</a> or the March4Justice.</p> <p>It’s not wholly focused on her struggles with hostile elements in the commercial media or the former prime minister she calls “Scott” – which is only democratic after all, given “Scott” invariably called her “Grace”.</p> <p>The book presents a horrifying account of being groomed and sexually abused as a 15-year-old by her 58-year-old schoolteacher, but it’s also not entirely taken up with “that part of my story that has been magnified and scrutinised publicly”.</p> <p>What the book reveals is that while such events are “undoubtedly traumatic” they haven’t “defined” her “unfinished experience of life”.</p> <p>And this is the important message of hope it gives to survivors of child sexual abuse. Until very recently, this crime was diminished or largely ignored by a culture that has historically <a href="https://www.routledge.com/Child-Sexual-Abuse-Moral-Panic-or-State-of-Denial/Pilgrim/p/book/9781138578371" target="_blank" rel="noopener">labelled it a myth or moral panic</a>, thereby enabling abusers. Meanwhile, as Tame writes, “they [abusers] deny, they attack, and they cry victim, while attempting to cast [victims] as the offenders”.</p> <p>“Child abusers groom through isolation, fear and shame,” writes Tame. “Through the manipulation of our entire society. All of us, to some extent, have been groomed.”</p> <p>Ahead of publication, Tame deleted her Twitter account. “I am aware this book will draw varying responses,” she writes, “including brutal backlash”. Pre-emptively responding to trolls and detractors, Tame says that she doesn’t “work for critics” but for “the people who find themselves in our words” and are “empowered by them”.</p> <p>Instead, the book shares the larger story of Tame’s life in the hope that “my being vulnerable will permit the vulnerability of another”.</p> <h2>Mining for diamonds as an attitude to life</h2> <p>Unexpectedly, the memoir opens with the story of a man called Jorge – aged “67 or 76” – who Grace met in a ramshackle share house in Portugal at the age of 19. Jorge was “asset poor” but “story rich”. He had led “nine lives” in “seven different languages”, as a soccer player, a musician, a springboard diver, the former husband of a Jewish-American heiress and – like the figure in the book’s title – a diamond miner in Brazil. All that remained of these great adventures was an “overstuffed” chihuahua called Pirate and books of photographs.</p> <p>An older, “healthily jaded” Tame suspects the chameleon-like Jorge was probably a con artist but writes that this “layer of delicious irony” merely served to confirm in her mind the things Jorge taught her that had “genuine value” – that life is essentially about people, experiences, authenticity, and connection. “Raw. Real. Uncut.”</p> <p>Of course, it’s not Jorge but Tame herself who is the diamond miner in the book’s title. In this extended motif, diamond mining expresses an attitude to life.</p> <p>“Some things in life are ultimately what we make of them,” writes Tame, “… there are things we can and cannot control” but “our power resides in how we respond to each”.</p> <p>Inevitably, this sense of optimism is tempered with a warning. The “ninth life” of a cat is the point at which the creature becomes vulnerable.</p> <p>For feminists of my own generation, who were taught that you had to be stronger, and tougher, and smarter just to get by, the book surprisingly reveals that “there is great strength in vulnerability”. Being vulnerable, says Tame, is about remaining open to life.</p> <p>Tame writes about her aunts and cousins, about her parents’ divorce, her fight with anorexia, her neurodiversity, and the six years she spent living in the United States, where she moved aged 18. There’s her brief marriage to former Hollywood child star Spencer Breslin in 2017, with an Elvis-themed wedding, her friendship with actor John Cleese and his daughter Camilla, her work as an illustrator and indeed her brief stint working on a marijuana farm.</p> <p>She writes about partying in California, hanging out in New York, and experimenting with drugs, which she says she no longer does. She has strong views on everything from the politics of Austrian novelist and playwright Peter Handke to her visit to the house of Frida Kahlo’s husband Diego Rivera in Guanajuato, Mexico.</p> <p>The book is loosely chronological, but mostly follows the rhythms and shapes of Tame’s thoughts. It is held together by a strong, irreverent, irrepressible voice, and is enclosed within a cover illustration that she drew herself.</p> <h2>Growing up neurodiverse</h2> <p>Tame was born in 1994, in Rokeby, a working-class suburb of Hobart, growing up in the same street as her aunts, cousins and grandparents, surrounded by a boisterous crowd of relatives who taught her, “Solidarity. And lots of love.”</p> <p>She describes childhood days spent “climbing trees, jumping fences” and running in and out of cousin’s houses.</p> <p>But she also recollects her childhood as a time of instability, being carted back and forth between the houses of two amicably divorced parents, which was, she says in retrospect, too much for a neurodiverse child.</p> <p>“My mind sees time through the glass door of a front-loading washing machine on a never-ending spin cycle,” she writes. “I can pull out specific memories that look as clean as yesterday because at any given moment everything is churning at high speed in colour”.</p> <p>She quickly learnt “mimicking and masking”, the “survival strategies” of autistic women. Much later, she would find out that neurodiversity can also be a strength. Tame calls herself “the autistic artist who finds everyday socialising harder than calculus, but walking onto a stage as easy as kindergarten maths”.</p> <p>She is at pains to point out that although she has “seen some strife” – unlike the former prime minister’s characterisation of her as person who has had “<a href="https://7news.com.au/politics/pm-had-no-issue-with-grace-tame-meeting-c-5473752" target="_blank" rel="noopener">a terrible life</a>” – “on the whole” her life has been mostly “wonderful”.</p> <h2>Abuse</h2> <p>But in the background was “our family’s sixth spidery sense”, largely directed at divining the presence of huntsmen, which Tame learnt to carry out of the house “by the leg”. Aptly, this description foreshadows her encounter with the “rock spider” Nicolaas Bester, the serial sex offender lurking in the private Anglican girls’ school for which Tame’s mother, aspiring to a better education for her daughter, worked hard to pay the fees.</p> <p>Bester began preying on Tame at age 15 in “the very same year my mental health began to decline”. The grooming started in the classroom with Bester telling what he claimed were jokes. Once, about a student “obsessed with tubular objects”. At another time, about <a href="https://www.theage.com.au/national/rage-saved-my-life-in-the-end-grace-tame-on-not-backing-down-20220719-p5b2s7.html?collection=p5biok" target="_blank" rel="noopener">a former student</a> who he claimed was “as easy as a McDonald’s drive-through”.</p> <p>Through “innocent, permissive laughter” students became acquainted with a “supposedly harmless man”. His “recycled racy comments were just part of his schtick, and they didn’t alarm our young inexperienced minds in the same way they might have adults”.</p> <p>Nobody suspected there was something fundamentally wrong in all this, alleging “he pushed the boundaries, that was all”.</p> <p>Bester soon began following Tame about, attempting to gain access by pretending to be her uncle at a medical facility where Tame was being treated, also turning up at the kiosk where she had a part-time job.</p> <p>Tame’s parents had two consecutive meetings with the school, asking them to put an end to Bester’s “inappropriate behaviour”. But Bester “coolly laid the groundwork for a narrative in which I was the supposed aggressor, and mentally ill one that he felt ‘sorry for’.” And the school, she writes, believed him. “This would, in fact, be his line of defence in court.”</p> <p>The police statement given by the school principal was, she argues, “perversely, almost as damning of the school as it was of him”.</p> <p>It revealed that “despite regular and consistent complaints from students, staff, parents and visitors to the institution” the school “allowed him to continue working”.</p> <p>Police found “videos of adults raping children on his computer”.</p> <p>Tame writes that after she disclosed the sexual abuse by Bester, the school sent her mother a bill for outstanding fees.</p> <p>Bester was sentenced to <a href="https://www.abc.net.au/news/2016-01-12/nicolaas-bester-sentenced-over-social-media-comments-child-abuse/7083524" target="_blank" rel="noopener">two years and 10 months in jail in 2011</a> for the abuse of Tame. Yet, writes Tame, he was surrounded by apologists. His church group invited him back to play the organ as soon as he was released. On social media, or simply standing on the street outside a nightclub, Tame was surrounded by a barrage of victim-blaming abuse.</p> <h2>Advocacy and the media</h2> <p>Over time, the media narrative around child sexual abuse has begun to shift, due to the public advocacy of countless men and women, including Tame. But the change is inconsistent and uneven.</p> <p>In 2018, Tame teamed up with Nina Funnell, a Walkley Award winning freelance journalist and sexual assault survivor who began the #LetHerSpeak campaign in partnership with Marque Lawyers and End Rape On Campus Australia. The campaign was aimed at overturning the gag clauses in Tasmanian and Northern Territory law. In 2019, Tame won a supreme court exemption to tell her harrowing story of being groomed by Bester.</p> <p>Advocacy takes its toll, she writes, in “the re-traumatisation that results from reliving the abuse.” It is predicated on an incessant “unpacking and processing”, with the reality of abuse “playing on a loop”.</p> <p>All the while Tame says she has been called everything from a “feminist hero of the fourth wave” to a “man-hater” and a “transgender child abuser”.</p> <p>The brief accounts Tame gives of her interactions with commercial television producers and journalists are far from flattering to the media. Though she looks strong, the media furore frequently left her “shaking”.</p> <blockquote> <p>I’d never had such intense panic attacks, coloured by flashbacks cut with criticisms so violent that all I could hope to do was knock myself out in the hopes of knocking them out of me.</p> </blockquote> <p>And there were, consequently, missed opportunities. The 2021 National Press Club address “in which I talked about how the media retraumatises survivors by not listening closely to the boundaries they set” was “overshadowed that day by a confected feud” between Tame and the former prime minister “that then spiralled and became an ongoing convenient media distraction used to dilute the work I did.”</p> <p>Other media encounters are slammed as “trauma pornography in disguise” and the “unethical, disingenuous gathering of vulnerable people for the purpose of entertainment”.</p> <p>Towards the end of the book Tame recounts the frenzied criticism generated by the so called “side-eye” moment, where she was photographed with then PM Morrison at this year’s morning tea for Australian of the Year recipients.</p> <p>In the wake of these photographs, she writes, her partner Max Heerey was “sent a barrage of text messages” including repeated messages from one journalist asking whether her “autism” had “something to do with” her frosty exchange with Morrison and if “I frowned because I was autistic”.</p> <p>At this point, Max informed the journalist that their questions were ableist and “incredibly offensive”.</p> <p>“I have no idea if it’s offensive or true or what but just wanted to ask as it’s a discussion being raised,” the journalist shot back, followed by a screenshot sampling an article citing autistic “so-called ‘social-deficits’”.</p> <p>“I said please don’t contact me again. This is all incredibly offensive,” Max repeated. “Grace is autistic but not stupid”.</p> <p>But the texts kept coming.</p> <p>Tame writes,</p> <blockquote> <p>I didn’t frown at the Prime Minister because I can’t control my face, because I’m disabled, because I have some kind of deficit, or because I need help. I didn’t frown at him because, in his words, ‘I’ve had a terrible life’’".</p> <p>I frowned at Scott Morrison deliberately because, in my opinion, he has done and assisted in objectively terrible things.“</p> </blockquote> <p>Without specifying what those things are, Tame writes, "No matter what your politics are, the harm that was done under his government was … not limited to survivors of domestic and sexual violence”.</p> <p>To have “smiled at him” would have been a lie.</p> <p>In place of confected outrage, which is “disturbingly skewed”, this memoir attempts to “bridge gaps in understanding” and “ignite a conversation”. It’s worth the “risk and pain”, Tame writes, because “evil thrives in silence”.</p> <p><strong>This article originally appeared on <a href="https://theconversation.com/there-is-great-strength-in-vulnerability-grace-tames-surprising-irreverent-memoir-has-a-message-of-hope-191074" target="_blank" rel="noopener">The Conversation</a>.</strong></p> <p><em>Images: National Press Club of Australia/Macmillan</em></p>

Books

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Don't leave yourself vulnerable to hackers in 2022

<p><br />Passwords are just as vitally important as they are frustrating. However, making a mistake with our passwords could leave us exposed to hackers and other fraudulent activities online.</p><p><br />According to the Australian Competition &amp; Consumer Commission, Australians lost a record $323.7 million to scams and identity theft in 2021, with phishing scams up 62% on the previous year.</p><p><br />It’s not just your main accounts like social media or online banking that are at risk. As our list of logins grows, all it takes is one data breach to compromise everything. So, what can you do in order to protect yourself?</p><p><br /><strong>1. Don’t use the same password across multiple sites</strong><br />If you use one password across multiple platforms or sites, you’re at greater risk.<br />“By far the biggest mistake people make with passwords is using the same one across multiple sites,” says Val Quinn, Sunrise tech expert.<br />“Because if one site gets hacked, then the hackers have the same password that they can use on different sites to try to login under your name.”</p><p><br /><strong>2. Use a passphrase instead</strong><br />“Hackers can use special tools where they can actually brute force guess your passwords,” says Quinn.<br />“That means we have to make them very complicated, long combo of letters, characters and numbers, upper and lower case.”<br />For extra protection, try using a passphrase instead of a traditional password. But – make sure to remember that phrase!<br />It’s also a good idea to ensure it’s not a common or popular quote or song that can be easily guessed by somebody who knows you.</p><p><br /><strong>3. See if you’ve been breached</strong><br />Sites like <a href="https://haveibeenpwned.com/" target="_blank" rel="noopener">Have I Been Pwned?</a> allow you to check if your email address or password have been caught up in known data breaches.<br />Started by Australian cyber security consultant Troy Hunt, who is also Microsoft’s regional director, the site aggregates known issues, providing a snapshot of that sites where your data may have been compromised.</p><p><br /><strong>4. Don’t use personal information</strong><br />This tip sounds simple but a lot of people continue to fall into the trap of using personal information. Avoid using obvious things like a pets name or birthday.</p><p><br /><strong>5. Use a password manager</strong><br />Most of us have passwords across email, social media, banking, streaming services and online shopping.<br />Keeping track of login details can be daunting, that’s where password managers come in handy.<br />“A password manager is almost a must,” explains Quinn.<br />“It really helps ensure you use different passwords for all of the sites you log into, otherwise you just can’t remember very easily.”<br /><br />Most common passwords of 2021<br />According to NordPass, these are the most common passwords globally in 2021, all of which the tech company estimates take under one second to hack.</p><ul><li>123456</li><li>123456789</li><li>12345</li><li>qwerty</li><li>password</li><li>12345678</li><li>111111</li><li>123123</li><li>1234567890</li><li>1234567<br /><br /></li></ul><p>NordPass research also revealed these were the most common passwords in Australia.</p><ul><li>123456</li><li>password</li><li>lizottes</li><li>password1</li><li>123456789</li><li>12345</li><li>abc123</li><li>qwerty</li><li>12345678</li><li>holden</li></ul><p><em>Image: Getty</em></p>

Technology

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Four things tsunami-vulnerable countries must do to prepare for the next disaster

<p>The eruption of an underwater volcano and subsequent tsunami that hit Tonga on January 16, was one of the <a rel="noopener" href="https://www.bbc.co.uk/news/world-asia-60106981" target="_blank">most violent natural disasters</a> in decades. While this event had <a rel="noopener" href="https://www.reuters.com/world/asia-pacific/tonga-struggles-with-ash-psychological-trauma-after-eruption-tsunami-2022-01-23/" target="_blank">catastrophic consequences</a>, such incidents are relatively common as volcanoes are naturally unstable, unpredictable and exist throughout the world.</p> <p>I have spent most of my career conducting post-disaster field research, improving coastal defences and supporting people to become more resilient to tsunamis and less anxious about the risk. The challenge facing countries in these naturally vulnerable parts of the world is to adapt and educate their citizens to take their own safety actions.</p> <p><a href="https://images.theconversation.com/files/442734/original/file-20220126-13-1wfggn.jpg?ixlib=rb-1.1.0&amp;q=45&amp;auto=format&amp;w=1000&amp;fit=clip"><img src="https://images.theconversation.com/files/442734/original/file-20220126-13-1wfggn.jpg?ixlib=rb-1.1.0&amp;q=45&amp;auto=format&amp;w=754&amp;fit=clip" alt="Map showing areas of the world at risk from tsunamis." /></a> <em><span class="caption">Sketch of global tsunami hazard (as of May 2009).</span> <span class="attribution"><a rel="noopener" href="https://reliefweb.int/map/world/world-sketch-global-tsunami-hazard-may-2009" target="_blank" class="source">UN Office for Disaster Risk Reduction</a></span></em></p> <p>Here I have outlined four things that vulnerable countries must urgently do to mitigate the consequences of tsunamis:</p> <p><strong>1. Educate people to be more resilient</strong></p> <p>Education is one of the most effective defences. Regardless of the size of the wave or strength of seawalls, people are much more likely to survive a tsunami if they know exactly how to react once an alert is triggered. Vulnerable countries must therefore urgently create an educated, close-knit community that is aware that they are exposed to the risk and accept it as an aspect of their life and culture.</p> <p>I conducted focus group meetings with people, businesses and communities in Indonesia <a rel="noopener" href="https://theconversation.com/krakatoa-is-still-active-and-we-are-not-ready-for-the-tsunamis-another-eruption-would-generate-147250" target="_blank">after the Anak Krakatoa tsunami in 2018</a>. In these groups, we established designated high ground areas and clear signage directing people to these safe zones. Evacuation events, such as mock tsunami drills, must be practised regularly so that people are familiar with safe areas and know where to go in the instance of a real tsunami.</p> <p>In Tonga specifically, where a third of the population is under the age of 15, tsunami safety must be taught at both primary and secondary school levels. Familiarising their young population with tsunamis, as well as other natural hazards such as <a rel="noopener" href="https://reliefweb.int/sites/reliefweb.int/files/resources/disasterfacts.pdf" target="_blank">cyclones and earthquakes</a>, will create a more resilient and less anxious adult population.</p> <p><strong>2. Create effective early warning systems</strong></p> <p>A decrease in ocean water surface levels is a clear sign that a tsunami is about to hit. Vulnerable countries must create early warning systems using satellites, drones and tide gauges to measure the vertical rise or fall of water to identify tsunamis before they happen.</p> <p>In light of the tsunami in Tonga, it would also help to place equipment such as <a rel="noopener" href="https://www.whoi.edu/what-we-do/explore/instruments/instruments-sensors-samplers/conductivity-temperature-depth-ctd-sensors/" target="_blank">conductivity-temperature-depth (CTD)</a> instruments, seismometers and thermal cameras near underwater volcanoes, while also observing the waters above with satellites. Buoys that measure the height and direction of waves can also be placed out at sea.</p> <p><a href="https://images.theconversation.com/files/442939/original/file-20220127-28-ypjzpu.jpg?ixlib=rb-1.1.0&amp;q=45&amp;auto=format&amp;w=1000&amp;fit=clip"><img src="https://images.theconversation.com/files/442939/original/file-20220127-28-ypjzpu.jpg?ixlib=rb-1.1.0&amp;q=45&amp;auto=format&amp;w=754&amp;fit=clip" alt="A yellow buoy in the ocean" /></a> <em><span class="caption">A tsunami detection buoy off the coast of Thailand.</span> <span class="attribution"><span class="source">The Mariner 4291 / shutterstock</span></span></em></p> <p>When water levels are triggered, tsunami alert messages are sent out, giving people enough time to escape the impact zones. I experienced this myself while conducting fieldwork in a small town on the southern coast of Japan in 2018. There was <a rel="noopener" href="https://mainichi.jp/english/articles/20181102/p2a/00m/0na/018000c" target="_blank">an earthquake</a> during my stay and before the ground had even stopped shaking my colleague received a text alert from the regional government with instructions. I grabbed my passport and prepared to go towards a nearby hill if he received a follow up “red alert” text – fortunately, that particular earthquake did not cause a tsunami, and we were able to stay where we were.</p> <p><strong>3. Establish a strong coastal defence scheme</strong></p> <p>Tsunami-vulnerable countries must urgently create strong coastal defence schemes of offshore breakwaters, <a rel="noopener" href="https://www.theguardian.com/world/gallery/2018/mar/09/after-the-tsunami-japan-sea-walls-in-pictures" target="_blank">tsunami walls</a> and flood levees. Tsunami waves hit hard, so ideally these foundations will be made of reinforced concrete to avoid erosion. Natural protections like <a rel="noopener" href="https://www.princeton.edu/news/2006/12/15/living-coral-reefs-provide-better-protection-tsunami-waves" target="_blank">coral reefs</a> could be strengthened with nature-based solutions such as rock armour or heavy sandbags, which will lower the cost for developing countries.</p> <p><a href="https://images.theconversation.com/files/442947/original/file-20220127-4868-6qoq3p.jpg?ixlib=rb-1.1.0&amp;q=45&amp;auto=format&amp;w=1000&amp;fit=clip"><img src="https://images.theconversation.com/files/442947/original/file-20220127-4868-6qoq3p.jpg?ixlib=rb-1.1.0&amp;q=45&amp;auto=format&amp;w=754&amp;fit=clip" alt="Man walks along concrete wall" /></a><em> <span class="caption">A new coastal dyke in the city of Sendai, Japan, built after the 2011 tsunami.</span> <span class="attribution"><span class="source">Ravindra Jayaratne</span>, <span class="license">Author provided</span></span></em></p> <p>Critical infrastructure like power plants, densely populated communities and tourist hotspots must be built on higher ground, where possible. A good example of this comes from Miyagi and Iwate prefectures, Japan, which were badly hit by the 2011 Tohoku tsunami (the one which caused a nuclear disaster in neighbouring Fukushima). Some towns were <a rel="noopener" href="https://www.cbsnews.com/news/japan-tsunami-2011-fukushima-rebuilt-city-rikuzen-takata-residents-still-scared/" target="_blank">rebuilt on elevated ground</a> that had been filled in with compacted soil.</p> <p>If space is available, coastal forests with tall trees could be planted between communities and the beach to <a rel="noopener" href="https://www.naturebasedsolutionsinitiative.org/publications/vegetation-bioshields-for-tsunami-mitigation-review-of-effectiveness-limitations-construction-and-sustainable-management/" target="_blank">act as a buffer zone</a>, limiting the impact of waves and reducing flooding, while also improving the local ecosystem.</p> <p>These defences may damage the tourist-friendly aesthetic of white sandy beaches, but they could save lives.</p> <p><strong>4. Form a regional approach to tsunamis</strong></p> <p>The effects of the underwater volcano eruption and tsunami in Tonga were felt around the Pacific in Australia, New Zealand, Japan and America. These vulnerable countries must implement a regional approach to defending and responding to tsunamis.</p> <p>Aid must be given before tsunamis hit, not just after. This can be done through sharing data, expertise, research facilities and equipment. It is vitally important that this information is specifically given to developing countries to help strengthen their own defences.</p> <p>The underwater volcano near Tonga is active. And even if the recent eruption was a one in 1,000 year event, there is still a strong chance that it will erupt again since geological deposits show that major eruptions like this one tend to involve a <a rel="noopener" href="https://www.scientificamerican.com/article/why-the-tonga-eruption-was-so-violent-and-what-to-expect-next/" target="_blank">series of many individual explosive events</a>.</p> <p>Countries that are threatened by tsunamis can’t prevent these natural disasters from happening, but they can adapt to be better prepared for when they do. Foreign aid will be vital for Tonga to recover from this horrific incident. However, education and collaboration will be its most important defence in the longer term.<!-- 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; text-shadow: none !important;" src="https://counter.theconversation.com/content/175721/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 rel="noopener" href="https://theconversation.com/profiles/ravindra-jayaratne-1147986" target="_blank">Ravindra Jayaratne</a>, Reader in Coastal Engineering, <a rel="noopener" href="https://theconversation.com/institutions/university-of-east-london-924" target="_blank">University of East London</a></em></p> <p><em>This article is republished from <a rel="noopener" href="https://theconversation.com" target="_blank">The Conversation</a> under a Creative Commons license. Read the <a rel="noopener" href="https://theconversation.com/four-things-tsunami-vulnerable-countries-must-do-to-prepare-for-the-next-disaster-175721" target="_blank">original article</a>.</em></p> <p><em>Image: Getty Images</em></p>

Domestic Travel

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‘Vulnerable’ woman murdered on morning walk

<p>A woman has been molested and killed during her regular morning walk in Auckland and New Zealand Police have already arrested one man in the murder investigation.</p> <p>The body of Lena Zhang, also known as Lena Zhang Harrap, was found in an area of bush on Wednesday afternoon in the Auckland suburb of Mt Albert.</p> <p>The 27-year-old, who has Down Syndrome, was reported missing just hours earlier after leaving her home. She left her home around 6.30 am to go for her regular walk to Ōwairaka Domain but never returned.</p> <p><strong>Suspect will appear in court today</strong></p> <p>A 31-year-old man will appear in court today faced with the murder and sexual violation of Lena Zhang.</p> <p>New Zealand Police said they received a significant amount of information from the public following an appeal they made to the public after Zhang’s body was found, to help identify a person of interest they were trying to locate in relation to the murder.</p> <p>Police had uncovered photos of the “person of interest” via CCTV footage. At the time he was wearing a blue jumper and had been captured on CCTV near the area where Lena’s body was found on Wednesday morning.</p> <p>As a result of this appeal and the use of CCTV footage, this man was found in a vehicle in Papatoetoe - around 20km away from Mt Albert - at 1.30 am on Thursday and was arrested.</p> <p><img style="width: 0px; height: 0px;" src="/nothing.jpg" alt="" data-udi="umb://media/0c976aa1225549908cd0156d8ee74c41" /><img style="width: 500px; height: 281.25px;" src="https://oversixtydev.blob.core.windows.net/media/7844362/lena-person-of-interest-um_blurred.jpg" alt="" data-udi="umb://media/0c976aa1225549908cd0156d8ee74c41" /></p> <p>Detective Inspector Aaron Pascoe said police hoped news of the arrest would provide some reassurance to the local community.</p> <p>Police were not currently seeking anyone else in relation to the murder, however enquiries continued into the investigation with a fresh appeal for sightings of a car.</p> <p><strong>Zhang’s family and the community are devastated by her death</strong></p> <p>Detective Inspector Aaron Pascoe said Zhang’s family are understandably devastated by her death.</p> <p>“Lena was a young lady, she was small in stature, she was vulnerable,” said Inspector Pascoe.</p> <p>He added she was a “loving and caring person” who was raised to be independent.</p> <p>“Whoever the offender or offenders are, they’ve targeted a vulnerable member of our community which is just appalling,” Pascoe said.</p> <p><strong>StarJam pays tribute to Lena</strong></p> <p>StarJam, an organisation which uses music, dance and performance to connect young people with disabilities, have paid tribute Lena saying she was a "true Jammer".</p> <p>A Facebook post said: “For over 12 years, Lena has been a true Jammer in Auckland Magic Movers and more recently the Central Alumni All Stars; greeting everyone with her infectious smile, genuine heartfelt support and inviting her fellow Jammers up to join her Spot the Talents. Lena, you will always be in our hearts – our thoughts go out to your family and friends.’”</p> <p>Ella Stuart who worked at StarJam said Lena brought a special touch of magic to the stage: "It was such a privilege to know Lena - she was always so enthusiastic with everything she did and her love of dancing was truly wonderful to watch. She put the 'magic' in Magic Movers! She will be so missed and in our hearts and memories always."</p> <p><em>Image: NZ Police</em></p>

Legal

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Dutton is turfing vulnerable refugees out onto the street mid-pandemic

<p>Dutton and Alan Tudge have come to the decision that the current pandemic and downturn in the economic climate is a good time to start evicting asylum seekers and refugees out of their long-term accommodation, and cutting off their financial support.</p> <p>As the <a href="https://twitter.com/homesafewithus">@HomeSafeWithUs</a> coalition <a href="https://www.scoop.co.nz/stories/WO2009/S00048/hundreds-more-refugees-being-abandoned-to-homelessness.htm">outlines</a> last week a number of refugees and asylum seekers were notified of this coming change in circumstance, which could ultimately affect up to 845 individuals, including 284 children.</p> <p>Brought into play in <a href="https://www.sydneycriminallawyers.com.au/blog/asylum-seekers-left-destitute-at-the-hands-of-dutton/">August 2017</a>, this policy involves notifying refugees and asylum seekers held in onshore community detention – with no right to work – that they will be turfed out of their housing in two weeks’ time, with their income support being cut off in three weeks.</p> <p>These refugees and asylum seekers were either brought to Australia from offshore immigration detention to undergo medical treatment prior to the commencement of Medevac in February 2019, or they’re part of the <a href="https://www.kaldorcentre.unsw.edu.au/publication/legacy-caseload#:~:text=The%20'legacy%20caseload'%20refers%20to,2012%20and%201%20January%202014.">legacy caseload</a>, which are people who arrived by boat in either 2012 or 2013.</p> <p>Indeed, right now, many refugees and asylum seekers already in the community on temporary visas have lost their employment due to the COVID crisis, and they’re not eligible for pandemic income support.</p> <p>So, Dutton’s seen fit to throw these other community detainees into this current economic wasteland, with no real rental or employment record.</p> <p><strong>Final departure visas</strong></p> <p>“This is creating fear and insecurity. The hope is that some people will agree to go home,” explained @HomeSafeWithUs spokesperson Pamela Curr. “The trouble is that they can’t go home. Many people come from countries that wouldn’t accept them back.”</p> <p>“These people’s cases go back seven years and sometimes more,” she told <a href="https://www.sydneycriminallawyers.com.au/traffic/offences/drink-driving/">Sydney Criminal Lawyers</a>. “They’re required to go and find somewhere to live, when they’ve got no record of renting anything in Australia, no income and no rights to Centrelink.”</p> <p>As Curr tells it, community detention has been an ongoing legal limbo for these people, with the federal government not having decided what should happen to them. So, the state’s current solution is to push them out onto the street and see what happens.</p> <p>In a practical sense, this involves placing these “illegal maritime arrivals” on a <a href="https://immi.homeaffairs.gov.au/visas/getting-a-visa/visa-listing/bridging-visa-e-050-051">bridging visa E (BVE)</a>, which grants working rights and can be valid for three to six months.</p> <p>Back in mid-2017, these visas were termed “final departure bridging E visas”, which clearly expressed government intentions.</p> <p>“Many of these refugees on bridging visas rely on community groups for housing and food to save them from total destitution,” Curr advised. And she added that the latest group transferred out of community detention “have little prospect of gaining employment in the COVID recession”.</p> <p><strong>The true con artist</strong></p> <p>Dutton announced the BVE policy on 28 August 2017, when he <a href="https://www.dailytelegraph.com.au/subscribe/news/1/?sourceCode=DTWEB_WRE170_a&amp;dest=https%3A%2F%2Fwww.dailytelegraph.com.au%2Fnews%2Fnsw%2Fasylum-seeker-scammers-exploiting-medical-welfare%2Fnews-story%2F4f6d49023d01b2a93de6034da85ac48b&amp;memtype=anonymous&amp;mode=premium&amp;v21suffix=97-B">told the Daily Telegraph</a> that an initial 70 asylum seekers would have their income cut off within a fortnight and they’d also lose their long-term accommodation after three weeks.</p> <p>The home affairs minister spruiked the heartless policy using <a href="https://hotcopper.com.au/threads/labors-asylum-seeker-scammers.3639627/">his usual technique</a>: demonise the victim.</p> <p>According to Dutton, offshore detainees were running a medical scam to make their way to the mainland to live in rent-free accommodation and obtaining a better deal than pensioners.</p> <p>These people were permitted to come to Australia to seek treatment but were then using “tricky legal moves” to prevent being sent back to indefinite detention, Dutton claimed. “This con has been going on for years,” he added.</p> <p>Initially, the government only saw fit to throw single refugees out onto the streets, however <a href="https://www.sydneycriminallawyers.com.au/blog/australian-government-is-causing-humanitarian-crisis/">by May the following year</a>, the department confirmed that a further 100 individuals were being served notices, which included families with children under 18 years of age.</p> <p><strong>Cruel policy</strong></p> <p>Ms Curr recalled that she’d been in contact with a couple of young single Somali women living in Brisbane, who were served with BVE documents. This gave them no choice but to sleep in a car that a friend was kind enough to park in the driveway of the house they were evicted from.</p> <p>The women were able to camp in the car for five nights, and when they needed to use a bathroom, a fellow asylum seeker still living in community detention allowed them to use hers. That was until the friend’s flatmate notified the authorities as to what was going on.</p> <p>“So, the immigration department told this woman that if she let her friends use the toilet or the shower, they would re-detain her,” the long-term refugee rights advocate continued. “That was the way it was being dealt with.”</p> <p>Release them into the community</p> <p>The @HomeSafeWithUs coalition is comprised of 20 refugee advocacy groups that have been organising accommodation to house another cohort of offshore detainees that were brought to Australia last year under the <a href="https://www.sydneycriminallawyers.com.au/blog/everyone-is-fearful-an-interview-with-mantra-refugee-detainee-ismail-hussein/">now revoked Medevac laws</a>.</p> <p>The 180-odd men are being detained in Melbourne’s Mantra Hotel and Brisbane’s Kangaroo Point Central Hotel. However, with the onset of the pandemic the government has simply left them in this accommodation, without any means to properly protect themselves or room to socially distance.</p> <p>These detainees have compromised health, making them extra vulnerable to COVID-19. Whilst they’ve been languishing in the hotels, a staff member at each location has tested positive for the virus. And the department carried out thorough security checks on all of them before they came out.</p> <p>“What we propose doing is to offer the government an option other than the continued detention of those people who’ve been brought over from Nauru and Manus under Medevac,” Ms Curr made clear.</p> <p>People have offered beds to accommodate the refugees held in hotels and also those in centres.</p> <p><strong>Prolonged and indefinite</strong></p> <p>While much of the public is aware that the government has been detaining certain refugees and asylum seekers for over seven years now, Ms Curr explains that advocates have located some people in the onshore detention system that have been there for over a decade.</p> <p>And then there are others who have been positively assessed as refugees but are still detained in immigration centres. Curr explains that the Migration Act now permits the minister to have the final word on anyone’s release, regardless of any ruling from the tribunal or the court.</p> <p>“We want a fair process, not this business of shoving applications in the bottom draw and not processing them,” Ms Curr concluded. “People arrived here in 2013 to seek asylum, they’ve lodged an application and they haven’t even had an interview from the department.”</p> <p><em>Written by Paul Gregoire. Republished with permission of <a href="https://www.sydneycriminallawyers.com.au/blog/dutton-is-turfing-vulnerable-refugees-out-onto-the-street-mid-pandemic/">Sydney Criminal Lawyers.</a> </em></p>

Retirement Life

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Woolworths steps up with new care package for elderly and vulnerable

<p>Woolworths has introduced a new initiative to help the elderly and other vulnerable people who are currently quarantined due to coronavirus.</p> <p>The supermarket is rolling out an $80 box of essential groceries that will be delivered using Australia Post and other distribution channels to help get orders to isolated people faster.</p> <p>The box contains meals, snacks and a few other items, and cannot be customised. Those interested can order it online from this week in the ACT, NSW and Victoria.</p> <p>Orders are expected to arrive at people’s doorsteps with two-to-five working days and phone support will be available to those who are not comfortable shopping online.</p> <p>Other states will be added in the coming weeks.</p> <p>The government has strongly advised those over the age of 70 to stay at home for their own wellbeing as the country’s COVID-19 tally reaches over 4000 cases, with 17 deaths.</p> <p>The $80 price includes contactless doorstep delivery by Australia Post and Woolworths has said it won’t be making a profit from the service.</p> <p>Woolworths has recommended those who can shop for their friends and families who are isolated to do so, to limit the demand on the online service.</p> <p>“There will be some in our community who don’t have that option, and we need your help to put the most vulnerable first,” said Woolworths Group CEO Brad Banducci in a statement on Monday.</p> <p>The supermarket giant has been offering priority assistance home deliveries since March 13, to help the elderly, those with disabilities and those in mandatory isolation.</p> <p>Customers can apply for priority assistance by going to woolworths.com.au/priorityassistance</p>

Food & Wine

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Signs your house is vulnerable to being robbed

<p><strong>How secure is your home?</strong></p> <p>Here’s how to make sure your home doesn’t become the latest crime statistic. It takes burglars on average five minutes to enter your home, so learn which aspects of your property put you at risk.</p> <p><strong>Your front door</strong></p> <p>This may seem too obvious to be true, but the majority of intruders come in through a door – and many of them are already open. Why? It’s easy access and burglars are all about doing whatever is easiest, says Jacob Paulsen, security expert. One in four homeowners confesses to frequently leaving the front door unlocked and half do it occasionally, according to a Nationwide Insurance survey. And considering that the majority of home burglaries happen in the daytime, between 6 a.m. and 6 p.m., knocking on your front door allows thieves to pose as salesmen or delivery people while covertly checking your doorknob. So, yes, it’s obvious, but we’ll say it again: Lock your door! In addition, replace any hollow-core or sectioned doors with ones made from a solid piece or wood or metal, Paulsen suggests.</p> <p><strong>Your porch</strong></p> <p>People stealing packages off your front porch – aka porch pirates – is one of the fastest rising crime trends. Nearly ⅓ of people have had packages stolen and over half of people say they know someone who has, according to a survey done by Comcast. Thieves have even been known to follow delivery trucks around neighbourhoods, stealing packages almost as soon as they’re dropped off. Having a doorbell camera may deter some would-be pirates but your best defence is not having your packages delivered to your porch, Paulsen says. “Have packages delivered to your office or to a neighbour who is home most of the time,” he advises. “If those aren’t options, consider putting delivery instructions on the order form to leave the package at a side door or in a special box.”</p> <p><strong>Your garbage</strong></p> <p>The good news: Property crimes have been decreasing steadily for the past decade, according to recent data. But that doesn’t mean you can let your guard down. Setting out the box from your new 60-inch HDTV or high-end gaming console on the kerb is basically advertising the fact that those items are in your home. As electronics are the second thing burglars go for (cash is number one), this makes your home a very attractive target, according to the study. So buy a cheap box cutter and invest the 30 seconds it takes to break down large boxes and bundle them together so their labels can’t be seen. Plus, your garbage collector will thank you!</p> <p><strong>Your street</strong></p> <p>Thanks to better lighting and increased traffic, homes in high-visibility places, like on corner lots, are far less likely to be broken into, Paulsen says. There are simply too many potential ways to be seen. But townhomes, houses in the middle of the block, or houses in a cul-de-sac are much better targets. This is especially true if your property backs up to a forest, open lot, or another unguarded area. The trick, he says, is to make your house as difficult as possible to access from all sides. How much? “You don’t have to be Fort Knox, you just have to be less appealing to a thief than your neighbour is,” he adds.</p> <p><strong>Your health</strong></p> <p>As the opioid epidemic rages, thefts of drugs, particularly prescription painkillers, are on the rise. And as heartbreaking as it is to say, both professional thieves and junkies know that people who are elderly or chronically ill often have lots of medication lying around. So if you are in these circumstances, it might be worth taking extra precautions (such as installing a good home security system) to make your house a less attractive target, Paulsen says.</p> <p><em>Written by <span>Charlotte Hilton Andersen</span>. This article first appeared in </em><a href="http://www.readersdigest.com.au/true-stories-lifestyle/think-your-sex-life-over-after-40-hardly"><em>Reader’s Digest</em></a><em>. For more of what you love from the world’s best-loved magazine, </em><a href="http://readersdigest.innovations.com.au/c/readersdigestemailsubscribe?utm_source=over60&amp;utm_medium=articles&amp;utm_campaign=RDSUB&amp;keycode=WRA87V"><em>here’s our best subscription offer.</em></a> <a href="http://readersdigest.innovations.co.nz/c/readersdigestemailsubscribe?utm_source=over60&amp;utm_medium=articles&amp;utm_campaign=RDSUB&amp;keycode=WRN93V"></a></p> <p><img style="width: 100px !important; height: 100px !important;" src="https://oversixtydev.blob.core.windows.net/media/7820640/1.png" alt="" data-udi="umb://media/f30947086c8e47b89cb076eb5bb9b3e2" /></p>

Retirement Life

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Is the Family Court doing enough to protect vulnerable seniors?

<p><em><strong>Over60 community member, Mary Green, 69, asks whether the Family Courts of Australia is doing enough to protect the interests of vulnerable senior citizens.  </strong></em></p> <p>About five years ago I published a short story about <a href="http://www.oversixty.com.au/lifestyle/relationships/2014/09/divorce-led-me-to-my-true-love/" target="_blank"><strong><span style="text-decoration: underline;">falling in love at 63 shortly after being unexpectedly dumped by my spouse of 43 years</span></strong></a>. When I was on crutches after knee surgery, he sent me a text message saying "Don't come home. I changed the locks"</p> <p>Back then this was a happy new love story, but little did I realise that not only would I feel like a refugee forever, grieving for my home I never saw again, but that when I realised he offered me not a dollar to live on, I had to start spending my hard-saved superannuation on getting to the point where the Court would order him to pay up.</p> <p>Senior citizens are divorcing at an astonishing rate. In some parts of America, it is one in four over 50. Yet we have to take our turn in the same system trained in child custody and maintenance cases, and we are put back at the end of queues and every obstacle raised by the evicting spouse causes more delays.</p> <p>It took five years before I got the money from him to buy a new home. I squeezed into a tiny studio, where an adult son took the couch so I could manage the situation. Doctors treated for me anxiety. They missed the clues that I had developed angina.</p> <p>At 68 I finally bid against first home buyers to buy and furnish a small flat near my son. But as I still felt ill, I drove myself to hospital, scared of being called neurotic, and the emergency department took me seriously when I said I was about to have a heart attack. They didn't let me go home. They gave me a triple bypass.</p> <p>I am now 69 and finally enjoying my new bed in my new flat while recovering from open heart surgery.</p> <p>This raises the question. Why was my progress constantly delayed by a Family Court System that is not designed to understand the needs of our age group? I could have died waiting.</p> <p>The Federal Family Court has now commenced a review. They know they are behind the times and under-resourced, but I have asked those running the review if senior citizens as a group are on their list for special consideration and get no replies.</p> <p>We need a system that is monitoring our health, that understands we may be too old to put big sums of cash in a Final Orders settlement back into superannuation in one year. They need to know that if we have been married with grandchildren then we should be splitting the proceeds equally and speedily.</p> <p>I went through this ordeal knowing I could get as little as 30 per cent because of an inheritance received by my spouse more than 30 years ago and since gambled away. I had a five-day hearing by a newly appointed judge that had no idea that by leaving all the tangible assets like the home, investments and superannuation in his name, (all valued at fire sale prices) he was also getting the intangibles like tax benefits and loan borrowing facilities. And I had cash to buy a flat and start again.</p> <p>Judges are not trained to do anything but follow precedents. These precedents are not applicable to retirees who can't just start again. We need a better way.</p> <p>It's scary to realise that just five years ago Centrelink labelled me as disabled and too old to retrain and ineligible to help, the legal women's services were in overload, and if it wasn't for the wonderful emotional support of my partner, children and grandchildren I would by now be another homeless pensioner statistic.</p> <p>Other than starting a petition I am not yet strong enough to manage, does any reader know how we can be heard?</p> <p>What are your thoughts on this contentious issue? Let us know in the comments below. </p>

Legal

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Centrelink still sending threats to vulnerable clients

<p>Centrelink has once again been criticised for its heavy-handed tactics, with the government agency accused of sending clients “intimidating” and “threatening” texts.</p> <p>These accusations come <a href="http://www.oversixty.com.au/finance/legal/2017/08/australian-federal-police-and-centrelink-target-welfare-cheats/"><span style="text-decoration: underline;"><strong>just a week after the agency was attacked</strong></span></a> for inappropriately using the logo of the Australian Federal Police (AFP) on letters to clients.</p> <p>The messages were reportedly sent to welfare recipients, urging them to update their personal details as part of its fraud crackdown called Taskforce Integrity.</p> <p><img width="449" height="591" src="https://oversixtydev.blob.core.windows.net/media/41058/centrelink-in-text.jpg" alt="Centrelink In Text"/></p> <p><em>Source: SMH</em></p> <p>Greens senator Rachel Siewert accused the government of deliberately using intimidating tactics to target vulnerable welfare recipients who had done nothing wrong.</p> <p>"I'm aware of one young recipient of these messages who is on (Disability Support Pension) with psychosocial disability. How can the government claim to take mental health issues seriously and then treat those with mental ill-health so callously?" she said.</p> <p>"This is the action of an authoritarian government and shows contempt for people, fairness and process."</p> <p>But the Department of Human Services defended its actions, saying the messages were merely designed to educate welfare recipients about their obligations.</p> <p>Human Services Minister Alan Tudge said, "I think the taxpayer is quite happy to support those who are down on their luck at any particular time.</p> <p>“They also expect there to be integrity in the welfare system and we have a robust system of ensuring that and recouping money when it has been overpaid."</p> <p>What are your thoughts? </p>

Caring

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New social housing for vulnerable seniors

<p>A new social housing development for vulnerable seniors in Western Australia has officially opened its doors.</p> <p>Bethanie, a not-for-profit aged care and retirement living provider, unveiled Stage II of its Bethanie Peel Community Housing development on Friday May 5, offering a further 98 apartments to the 96 apartments built in the first stage in 2015.</p> <p><img width="498" height="245" src="https://oversixtydev.blob.core.windows.net/media/36628/image__498x245.jpg" alt="Image_ (287)" style="display: block; margin-left: auto; margin-right: auto;"/></p> <p>Partly funded by WA's social housing investment program, the apartments are for seniors who cannot afford private housing and qualify for the aged pension. The rental contribution is 25 per cent of the pension.</p> <p>The provision of affordable housing options for seniors is increasingly important with Australia’s ageing population.</p> <p>In a report, Anglicare Australia's 2015 Rental Affordability Snapshot found that the aged care and pension systems have been designed for home owners. The poverty rate after housing costs had been deducted was significantly higher for seniors who did not own their own home.</p> <p>Opening the new apartments, Bethanie Chief of Business Development, Rohan Taylor said, “Many of the residents who will soon move in have never lived in a brand new home or owned their own home.</p> <p><img width="498" height="245" src="https://oversixtydev.blob.core.windows.net/media/36629/image__498x245.jpg" alt="Image_ (288)" style="display: block; margin-left: auto; margin-right: auto;"/></p> <p>“Ultimately, the reason why they are relying on the Department of Housing for their accommodation isn’t important.  To be able to altruistically provide this level of accommodation to Western Australians in need of some support is a wonderful outcome and Bethanie is very proud of that.” </p> <p>The social housing apartments are located next to Bethanie Peel Aged Care Facility and just minutes from the Mandurah Town Centre in Coodanup. </p> <p>Each apartment includes wheelchair access, secure undercover parking, six star energy ratings and high quality fixtures. Facilities within the complex include libraries, cafes, craft room, gyms, mini golf and lawn bowls and a BBQ area.</p> <p>The communal facilities are intended to promote social interaction and encourage a sense of community and belonging. </p>

Retirement Life

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