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How to keep doing good once you’re gone

Most of us like to think that once we are no longer walking the Earth, we can still leave a legacy to mark our time here and contribute positively to those left behind. Doing so is not only possible but, as you’ll see below, fairly straightforward – providing you do some basic preparation beforehand. Seek the help of professional advice to ensure your plans can be enacted in full and deliver the best possible outcomes for everyone involved. Have your affairs in order Make things simpler for your grieving loved ones by having your wishes clearly outlined in writing, with specific instructions that leave no room for misinterpretation. Doing so makes your wishes easier to implement, faster to enact and reduces fights among your beneficiaries. Keep your will and other affairs updated as circumstances change too, so that everyone you want is included (such as kids and grandkids) and those you don’t, aren’t given an unexpected windfall (such as your ex or an adult child’s ex). Provide for everyone Providing for everyone is not necessarily straight forward, especially if you have a blended family. For instance, leaving your share of your home to your children from a previous relationship could lead to disagreements if your partner doesn’t want to leave. Instead, think about how your assets can be divided fairly without disadvantaging anyone. Children could be nominated beneficiaries of your superannuation and/or life insurance, leaving your home for your partner. Keep wealth flowing Certain structures can allow you to keep giving to your descendants long after you’re gone – offsetting their income and providing far greater wealth over time than any lump sum could achieve. A family or testamentary trust allows ongoing wealth creation through shared assets, with regular dividends paid out, creating a family legacy that can last for generations. Or a family company can allow a commercial entity to continue trading and growing as an asset. Manage tax impacts Implement tax-effective strategies that maximise how much your beneficiaries actually receive and minimise what the tax man pockets. While there isn’t an inheritance tax per se, beneficiaries can be hit with Capital Gains Tax (CGT) on asset sales plus transfer costs to put an asset into their own name – not to mention the ongoing maintenance and compliance costs of asset ownership. In some instances, your loved ones may benefit more if you sell assets now and leave them the proceeds, rather than leave them the asset – and its associated tax bill – once you’re gone. Ensure loved ones are home and housed Property is perhaps the biggest of all sources of wealth, yet it is increasingly difficult for younger people and singles to get (and stay) on the property ladder. Ensure everyone can reap the benefits of property ownership over their own lifetime, either by transferring ownership of properties in your name or contributing chunks of cash towards a deposit. However, it’s important to do so sustainably – gifting grandkids a large property they can’t afford to maintain isn’t going to work. Charitable donations Many people like to support charities and social causes once they are gone. Consider the end user here and what they stand to benefit from your donation – whether it be people, planet or both. It could be leaving a lump sum on your death, or regular ongoing donations from your estate. You may wish to do so anonymously, or include a message with your donation outlining your reasons why that particular charity/cause is important to you and what you hope the money will go towards. Donations may not necessarily be financial either – perhaps you have a valuable historic artefact that others could enjoy if donated to a museum? Organ donation The greatest gift of all is not money but life itself. So, consider whether organ donation is something you wish to do. While not suitable for everyone, and dependent on a range of factors including your age, health and religious beliefs, a single organ donor can save up to seven lives, as well as improve the quality of life of numerous others through eye and tissue donation. That is a lot of life you can give to others – and all without costing your own loved ones a cent! Helen Baker is a licensed Australian financial adviser and author of On Your Own Two Feet: The Essential Guide to Financial Independence for all Women. Helen is among the 1% of financial planners who hold a master’s degree in the field. Proceeds from book sales are donated to charities supporting disadvantaged women and children. Find out more at <a href="http://www.onyourowntwofeet.com.au/">www.onyourowntwofeet.com.au</a> Disclaimer: The information in this article is of a general nature only and does not constitute personal financial or product advice. Any opinions or views expressed are those of the authors and do not represent those of people, institutions or organisations the owner may be associated with in a professional or personal capacity unless explicitly stated. Helen Baker is an authorised representative of BPW Partners Pty Ltd AFSL 548754. Image credits: Shutterstock

Retirement Income

Your legacy. Their future. Will you be the difference in an uncertain world?

Connection. Safety. Friendship. Family. When you <a href="https://www.redcross.org.au/donate-funds/bequest/pass-it-on/will-planning-checklist-social/?utm_medium=digital&utm_source=edm&utm_campaign=bequests&utm_content=over60s" target="_blank" rel="noopener">leave a gift in your Will for Australian Red Cross</a>, there’s no end to the difference you can make. Just ask Elsie. At 95 years old, Elsie has been transformed by weekly visits from Fiona, her Red Cross volunteer. For Fiona, her visits to see 95-year-old nursing home resident Elsie quickly turned into a family affair. "My children, Tom and Meg, have become very attached to her and vice versa. They're like, 'Are you going to see Elsie, can we come too?' They see how lovely it is to be kind to someone like Elsie," says Fiona. "Elsie tells me, 'You're my special family.'" Fiona's dog, Mia, is even a regular visitor at the Tasmanian nursing home. "Mia's like a celebrity. All the residents love her." The family marks all the big milestones with Elsie, like Christmas Day when they brought her home for a special morning tea. "When she turned 95 in December, we took her to a café. She said that was the best birthday she'd had for a long time." <img src="https://oversixtydev.blob.core.windows.net/media/2024/08/RedCross_01.jpg" alt="" width="1280" height="720" /> Elsie celebrating her birthday with Fiona's children, Tom and Meg. It is very much a two-way friendship, says Fiona. "I wasn't expecting it to be like that. I thought it was going to be more me doing lots of things for Elsie. But she gives back a lot." Like when Fiona's daughter, Meg, didn't pass her driver's license test. "Meg was quite upset. Elsie goes to her, 'That's why they invented pencils with rubbers at the end. They are there for you to rub out your mistakes, and then you can have another go.' "She's wise. She gives them little bits of advice and words of wisdom, and they listen to what she says … I can't believe she's 95 years old. Her mind is so unbelievably sharp." Fiona says that, lately, Elsie has not been as mobile as she was, and so they often spend their time together at the nursing home. "We find a nice spot and have a cuppa … She likes telling stories about her life. She talks a lot about her husband, her upbringing, people she's met. "Often, I'll bring her some magazines, or she will have asked me to get some stamps. And my kids have been great with her with technology, how to do this and how to do that. "We chat with other residents as well. Even though Elsie's our person, there are other people we've got to know. She introduces us as 'This is my family.'" Fiona says the first time they met, she and Elsie discovered they had much in common. They both grew up in the same country town and had travelled around Australia managing hotels. They care a lot about each other, she says. "I think it's given her more of a will to live. That sounds pretty deep, but I know how much she looks forward to seeing us; it's giving her more purpose in life. "Elsie always says, 'You make me feel so happy. I love seeing you, it's such a highlight.' I say it back to her because it's the same for me, 'I get so much joy out of seeing you.'" Fiona says she hopes her story inspires other people to volunteer, too. Your generosity, captured in your Will, can help fund programs like our Aged Care Volunteer Visitors Scheme and foster social connections like Elsie and Fiona’s. The program supports more than 1000 participants across the country with the majority between the ages of 78 and 89. Everybody deserves the warmth of kindness and friendship, and your Will can help Australian Red Cross share that with people for generations to come. <a href="https://www.redcross.org.au/donate-funds/bequest/pass-it-on/will-planning-checklist-social/?utm_medium=digital&utm_source=edm&utm_campaign=bequests&utm_content=over60s" target="_blank" rel="noopener"><img src="https://oversixtydev.blob.core.windows.net/media/2024/08/RedCross_02_wQRCode.jpg" alt="" width="1280" height="638" /></a> If you would like a free <a href="https://www.redcross.org.au/donate-funds/bequest/pass-it-on/will-planning-checklist-social/?utm_medium=digital&utm_source=edm&utm_campaign=bequests&utm_content=over60s" target="_blank" rel="noopener">Will Planning Checklist</a>, or more information, our <a href="mailto:litran@redcross.org.au" target="_blank" rel="noopener">Gifts in Wills Specialist</a> would love to help. You <a style="font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Oxygen, Ubuntu, Cantarell, 'Open Sans', 'Helvetica Neue', sans-serif;" href="mailto:litran@redcross.org.au" target="_blank" rel="noopener">get in touch here</a> or call 1800 733 276. All images: Supplied. This is a sponsored article produced in partnership with Australian Red Cross.

Caring

How to write creative non-fiction history

Discovering an old photo album from the 1920s, celebrated author and adjunct professor Paul Ashton embarked on a journey to turn historical research into engaging creative non-fiction, blending meticulous evidence with captivating storytelling. Here he shares he insights on the fascinating process. One afternoon my elderly father and niece came to my home for lunch. On their way they had seen something on a council clean up. ‘We thought you might be interested in this,’ said my father handing me a small, brown photo album. I was. The album contained around 100 undated black and white photographs. It became apparent quickly that this was the record of a road trip done in the 1920s or 1930s. A boy, two women and a man had gone on a trip from Sydney up through New England, to Tamworth then to Brisbane and back to Sydney. Shadows in some of the images indicate that they were taken by the man and at least one of the women. The album provided the basis for my first children’s book, Palmer’s Mystery Hikes. One photograph stood out for me. Hundreds of people were gathered somewhere in the bush. In the far left-hand corner in the background was an elevated table covered with a large white tablecloth. With a magnifying glass I could just make out ‘Palmers [something] Hike’. In 1932 Palmer’s men and boys’ department store, in Park Street in Sydney, had established a hiking club to promote the sale of hiking apparel. You bought a ‘mystery’ ticket from New South Wales Railways with which Palmer had an arrangement; turned up at Central Station on Sunday morning; and were taken to a mystery destination. From there you did a ten-mile hike to another station and were then trained back to Sydney. There were five hikes. The third one to the Hawkesbury River attracted over 8,000 people. Turning historical research into believable fiction or creative non-fiction has certain demands. How do you strike a balance between historical research and evidence and the narrative form? This is a big question and will ultimately depend on many things, including the availability of primary and secondary sources and the nature of the particular narrative. But perhaps the most important question is: how do writers use the past to give their work historical dimensions and insights? For me, the most critical element is context. And it’s the thing most missing in much historically based fictional literature. Evoking people, places and periods involves understandings of things such as continuity and change over time, historical process – like colonisation and suburbanisation – ideologies and superstitions. Where appropriate, these should form subtle backgrounds to the narrative. Fiction and creative non-fiction as historical modes of presenting history should also show – not tell. My edited collection, If It’s not True It Should Be (Halstead Press), explores writing history using fictional techniques. As Peter Stanley has written in that book, ‘those who seek to illuminate the past through the imaginative recreation of historical fiction … [are] motivated by the fundamental conviction that what links the fidelity of the historian and the imagination of the historical novelist is that the work of both should be offered and read as if it were true.’ ABOUT THE AUTHOR Paul Ashton is adjunct professor and co-founder of the Australian Centre for Public History at the University of Technology Sydney and adjunct professor at the University of Canberra and Macquarie University. He has authored, co-authored, edited and co-edited over 40 books and is editor of the journal Public History Review. His series of creative non-fiction children’s histories – Accidental Histories – is being published by Halstead Press. Images: Supplied

Books

Young musician dies weeks after writing final song

Cat Janice has died aged 31 with her family by her side. The young musician, who had a large following on TikTok, had been battling cancer since January 2022 when doctors diagnosed her with sarcoma, a rare malignant tumour. She was declared cancer-free on July 22 that same year, following extensive surgery, chemo and radiation therapy. The mum-of-one was sadly re-diagnosed with cancer in June last year and despite fighting hard in the second round of her treatments, Janice told fans in January that her cancer "won" and that she "fought hard but sarcomas are too tough". Janice's family have announced her passing in a statement shared to her Instagram. "From her childhood home and surrounded by her loving family, Catherine peacefully entered the light and love of her heavenly creator," they said. "We are eternally thankful for the outpouring of love that Catherine and our family have received over the past few months." Before she died, Janice publicly announced that all her music would be signed over to her 7-year-old son, Loren, to support him in the future. Just weeks before her death, she released her final song Dance You Outta My Head in the hope it would spread "joy and fun". "My last joy would be if you pre saved my song 'Dance You Outta My Head' and streamed it because all proceeds go straight to my 7-year-old boy I'm leaving behind," she said, before the song was released. The song went viral, and took he number one spot in several countries and the number five spot on the Apple Itunes globally. Her family have said that the love she received for her final song, was unbelievable parting gift she could have ever received. "Cat saw her music go places she never expected and rests in the peace of knowing that she will continue to provide for her son through her music. This would not have been possible without all of you." Images: Instagram

Caring

Senior changes will to leave fortune to pets instead of family

An elderly woman in China has decided to leave her $A4.3 million fortune to her pets instead of her three children, after she claims they never visited or took care of her when she was sick. The Shanghai woman, known by her last name Liu, drafted the will a few years ago according to the <a href="https://www.scmp.com/news/people-culture/trending-china/article/3248592/elderly-china-woman-leaves-us28-million-assets-beloved-pets-instead-children-who-never-visited-even" target="_blank" rel="noopener">South China Morning Post</a>. However, as her three children rarely contacted her, and left her on her own while she was sick, Liu decided her cats and dogs were more deserving of her multi-million dollar fortune, and changed her will. Chen Kai, an official from the China’s Will Registration Centre headquarters, told her that leaving her entire inheritance to animals is illegal in China, but there is a way for her to ensure her pets get taken care of. “Liu’s current will is one way, and we would have advised her to appoint a person she trusts to supervise the vet clinic to ensure the pets are properly cared for,” he told the South China Morning Post. Another official added that Liu could always change her mind, if her children changed their attitude. “We told Auntie Liu that if her children change their attitude towards her, she could always alter her will again,” the official said. Image: Getty

Family & Pets

"His worst moment as a person": Sean Penn unleashes on Will Smith's Oscar's slap

Sean Penn has become visibly angry as he recalled the infamous moment at the 2022 Oscars ceremony when Will Smith stormed the stage to slap Chris Rock. Penn recalled the award ceremony moment as he reflected on the Academy's decision to not let Ukraine’s president, Volodymyr Zelenskyy, speak at the ceremony. The actor has been a strong advocate for the people of Ukraine in their ongoing war against Russia, and even traveling to the war-torn region to help in their fight. Speaking to <a href="https://variety.com/2023/film/features/sean-penn-slams-will-smith-slap-ai-oscars-1235720417/" target="_blank" rel="noopener">Variety</a>, Penn shared how frustrated he was that Zelenskyy was silenced, while Smith's actions were the real problem. “The Oscars producer thought, ‘Oh, he’s [Zelenskyy] not lighthearted enough.’ Well, guess what you got instead? Will Smith.” Variety noted that the actor was visibly infuriated speaking on the subject, even turning red during the interview. “I don’t know Will Smith. I met him once,” Penn said. “He seemed very nice when I met him. He was so f***ing good in King Richard.” “So why the f**k did you just spit on yourself and everybody else with this stupid f***ing thing? Why did I go to f***ing jail for what you just did? And you’re still sitting there? Why are you guys standing and applauding his worst moment as a person?” the 63-year-old said, referencing his 1987 arrest and jail stint for punching a film extra in the face. “This f***ing bulls**t wouldn’t have happened with Zelenskyy,” Penn added. “Will Smith would never have left that chair to be part of stupid violence. It never would have happened.” Penn was so shocked and infuriated by the moment that he chose to destroy his two Oscars. "I thought, ‘Well, f**k, you know? I’ll give them to Ukraine. They can be melted down to bullets they can shoot at the Russians,’” he said. When visiting Zelenskyy in Ukraine last fall, Penn showed his support by giving the leader one of his Oscars. At the 2022 Oscar's ceremony, Will Smith stormed the stage and slapped comedian Chris Rock after he made a joke about his wife, Jada Pinkett-Smith. After returning to his seat, Smith shouted out, “Keep my wife’s name out your f***ing mouth!” Image credits: Getty Images

Movies

Five things to do before you die – because planning your eventual demise takes preparation

<a href="https://theconversation.com/profiles/hui-yun-chan-715995">Hui Yun Chan</a>, <a href="https://theconversation.com/institutions/university-of-huddersfield-1226">University of Huddersfield</a> Many people who are struck with sudden, progressive or terminal illness are <a href="https://theconversation.com/why-are-patients-in-permanent-comas-routinely-kept-alive-43365">kept alive mechanically</a>, while families and doctors make decisions about treatment. As a researcher in medical law, particularly end-of-life decision-making, I have seen how this can become a minefield of legal and ethical problems. UK law allows people to plan in advance of any debilitating illness, and thus have some control over future treatment. This is known as “<a href="https://www.nhs.uk/conditions/end-of-life-care/advance-decision-to-refuse-treatment/">advance decisions</a>”. While these laws are in place, research shows the <a href="https://rm.coe.int/cdcj-2017-2e-final-rapport-vs-21-06-2018/16808b64ae">majority of people disregard or defer the discussions</a> primarily because they do not know how to raise them, or what to expect. While planning for your eventual demise probably sounds as fun as pulling teeth, it can be empowering. Following from <a href="https://pure.hud.ac.uk/en/publications/advance-directives-rethinking-regulation-autonomy-amp-healthcare-">my recent book</a>, here are five tips for how you can use the law to help you plan for what you want in the future – and make your voice heard when you may no longer have one. <h2>1. Gather information from experts</h2> First, you must think, gather information and talk to experts about how life can unfold in the case of progressive illness. This is important whether you are well but thinking about future incapacity, or whether you have actually been <a href="https://www.4pb.com/case-detail/re-ak-medical-treatment-consent/">diagnosed with illness</a>. A solicitor with expertise in advance directives can help you understand important laws, such as those that dictate when a person has <a href="https://www.legislation.gov.uk/ukpga/2005/9/contents">sufficient “mental capacity”</a> to make lawful decisions. Lawyers can help you draft your will, and advise on how to protect or pass on your estate – including <a href="https://www.gov.uk/inheritance-tax">hidden costs</a>. They can also help you <a href="https://www.gov.uk/power-of-attorney">nominate someone</a> to make medical decisions for you when you become incapacitated, and decide the limits of their power. Do not just assume that your family members automatically have the power to decide for you legally. If you are ill, ask a doctor to inform you how your condition will progress so you can decide how you will deal with future events. For example, with dementia and other progressive illnesses, you must consider what quality of life you would tolerate. Similarly, in the case of pain, what treatment you would accept or refuse? Think big picture about your future life. Would you trade quantity of life for quality, opting for less time but with better quality of life? <h2>2. Setting your decisions in stone</h2> Now you have made some important decisions, the next step is about making these decisions clear in the right way, to the right people, and at the right time. I have <a href="https://www.springer.com/gp/book/9783030009755#aboutBook">documented many cases</a> across England and Wales where advance directives are disputed because they are invalid or inapplicable and there is a dispute about whether they are still legally able to make decisions. Considering your health, you may want to get a <a href="https://www.bma.org.uk/advice/employment/ethics/mental-capacity/assessing-mental-capacity">formal assessment</a> of your mental state and ability to make decisions. You should record any conversations you have in writing. Documents that show you have been supported (by friends, family or professionals) in your decision-making boost the validity of your choices, <a href="https://brill.com/view/journals/ejhl/25/1/article-p24_24.xml?lang=en">making them more binding</a> for healthcare professionals. Legally, just revealing your treatment preferences to your doctor or friends <a href="https://swarb.co.uk/w-healthcare-nhs-trust-v-kh-ca-17-sep-2004/">is not enough</a>. Writing things down is important, though never easy. Ask family or friends to support you in this process. If a loved one is aware of the choices you have made they are less likely to object to your medical decisions because they have been part of the decision process. <h2>3. Update when your situation changes</h2> Many people are caught out when their <a href="https://compassionindying.org.uk/making-decisions-and-planning-your-care/planning-ahead/advance-decision-living-will/review-update/">personal situation changes</a>, but they have failed to update their advance directives to reflect this – such as changing romantic relationships. Family conflict by your bedside is the last thing you want. Even if your circumstances are the same, regularly update to avoid “what was I thinking?” moments when it’s too late. <h2>4. Make sure it gets found</h2> Inform your family, doctors and lawyers what your advance directives are and where to find them. If the right people don’t have access to your directives, they are useless. In a recent example, the family of a Warwickshire woman was granted a £45,000 payout after she was <a href="https://www.bbc.co.uk/news/uk-england-coventry-warwickshire-42240148">kept alive for 22 months against her will</a> – as the relevant documents had been misplaced. <h2>5. Don’t forget your online life</h2> Discussions on social media about how you wish to spend your twilight days may help as <a href="https://brill.com/view/journals/ejhl/25/1/article-p24_24.xml?lang=en">supporting information</a> to ensure the wishes in your advance directives are strengthened. You should also think about who you want to be granted (or denied) access to your online accounts and social media after your death. Streamlining this process, you can now <a href="https://www.theatlantic.com/technology/archive/2013/04/google-death-a-tool-to-take-care-of-your-gmail-when-youre-gone/274934/">create a social media will</a> online. Drafting an advance directive is an exercise in liberty. It allows our beliefs and preferences to be made clear even when we are physically or mentally unable to express them ourselves. An advance directive is our voice when we no longer have one. Use your voice wisely.<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/122296/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/hui-yun-chan-715995">Hui Yun Chan</a>, Senior Lecturer in Law, <a href="https://theconversation.com/institutions/university-of-huddersfield-1226">University of Huddersfield</a> Image credits: Getty Images This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/five-things-to-do-before-you-die-because-planning-your-eventual-demise-takes-preparation-122296">original article</a>.

Legal

How to write a memoir

How to start a memoir My Story by Russell Durling is my 85-year-old father’s account of the highlights of his life. He is writing and editing it, by hand, in several notepads I gave him as a Christmas gift to encourage the memoir project he had talked about for years. In it, my dad shares stories of summer jobs when he was a teenager, breaking up log jams on the Saint John River near his hometown of Meductic, New Brunswick. He’d move from log to floating log to reach shore again safely – and he loved every minute of this adventure, even when he’d land in the water. Reading an early draft, I learned new details of his history, like how when they were children, his cousin Clara had a pet crow. He also wrote about lessons learned from his Royal Canadian Mounted Police career, which was spent mostly in Nova Scotia, and shared insights about how to retire well. Pro tip from my father: to add a decade to your life, ditch the city (if you can). This memoir will be a treasure for our family, and I’m glad my father was finally able to start writing it, after spending a long time talking about wanting to. And I get it. Writing your life story can feel like a daunting project. But it’s worth it, both to the writer and their potential readers. If you’re having a hard time putting pen to paper, here’s advice on how to start a memoir. First, ask yourself why you're writing a memoir Esmeralda Cabral is a writer who works with people who wouldn’t normally consider themselves writers through her workshop, Writing Your Life. Often, she helps people create written treasures for their families, and sometimes they’re writing just for themselves. To her, and those she teaches, memoir writing can be a way of remembering and reflecting on experiences both positive and negative. “There is a clarity that comes when you put something down on paper,” says Cabral. “Remembering and writing helps us make sense of things. If you don’t write it down or tell it, it’s lost. And that’s a shame.” Begin by jotting down your reasons for writing your story. You could summarise those reasons on a Post-It and stick it on your fridge as an encouraging reminder to stay motivated. After all, there are many good reasons to write: to remember and reflect on your past, to capture your adventures, to share life lessons with family and friends, or maybe even to be published. Consider sharing your plan with a friend or family member who can check in and cheer your progress. Where to start You don’t have to start a memoir with day one. In fact, as much as your future readers love you, they may find that approach less than gripping. In her workshops, Cabral helps people to start a memoir by using a photo that is meaningful to them. She asks them to imagine sitting down with a good friend and telling them the story behind it. Or begin your writing with an event or story you are particularly interested in sharing. What grabs you as a big moment? Select a vivid memory and start there. “Plug your nose and jump in and write down all your memories as truthfully as you can,” summarises New York Times bestselling author Anne Lamott in Bird by Bird: Some Instructions on Writing and Life. Maybe start with a birthday party you remember, or your first-grade classroom. Try writing at the same time every day, so you can build a routine that will keep you putting words on the page. Write what you want In every life, there is light and shadow, joy and grief. If you are hesitant to write your memoir because you have difficult stories that might hurt others, there is a solution. First, “You don’t have to write about everything,” says Cabral. “It’s okay to have secrets that go with you to the grave.” Simply knowing you have the freedom to not go to the darkest of places in your writing can lift you over those psychological hurdles of hesitation. However, writing often takes on a life of its own. If you find yourself standing outside a door you had marked as “Do Not Enter,” consider Cabral’s advice: “Write about the hard things as if the person you are writing about is reading it. Be as kind as you can. Leave them with dignity.” Who is your audience? If you’re writing for your eyes only, as a kind of personal therapy, then you may be purposely opening doors and exploring what’s on the other side. That’s okay, too. You are creating a treasure for yourself, and that can be very healthy. Besides, whether the writing is for you or for others, you can always hit the delete button or visit the paper shredder later, if you wish. For now, just get it down. Stop yourself from sticking to rules Avoid letting worries over style or structure stop you from writing. If you care enough about grammar, you can ask someone you trust to read it over later on, or even hire a freelance editor if you’re really fretting over verb tenses. Remember, perfection in writing is not your goal. Readers are interested Writers also might hesitate to share stories because they fear they are boring. “I hear a lot of people say, ‘Oh no, that wouldn’t be interesting to anyone but me,’” says Cabral. But our life stories are of interest to others, whether they feel ordinary to us or if they really are extraordinary. They remind us we are all in this together. Writer Pauline Dakin, author of the award-winning 2017 memoir Run, Hide, Repeat: A Memoir of a Fugitive Childhood, was surprised how much the unusual story of her childhood on the run connected with readers. She’s since heard from hundreds of people. “They often begin by saying, ‘My family wasn’t nearly as crazy as yours, but…,’” she says. “They are relieved to hear my story. It makes them feel they are not alone.” We are all far more interesting than we know, she adds. It’s just a matter of believing we have a story to tell. Image credits: Getty Images This article originally appeared on <a href="https://www.readersdigest.com.au/uncategorized/how-to-write-a-memoir" target="_blank" rel="noopener">Reader's Digest</a>.

Books

Fleetwood Mac legend’s eye-watering fortune revealed

Fleetwood Mac star Christine McVie left behind a $135 million fortune, probate documents revealed. The singer and keyboardist <a href="https://www.oversixty.com.au/news/news/there-are-no-words-fleetwood-mac-star-dies-aged-79" target="_blank" rel="noopener">passed away aged 79</a> in November last year following a short illness. McVie, who was living in London at the time, had suffered a <a href="https://www.oversixty.com.au/health/caring/fleetwood-mac-star-s-cause-of-death-revealed" target="_blank" rel="noopener">stroke and had cancer</a>. A year before her death, she secured a massive deal and sold the rights to her entire back catalogue of 115 songs. McVie played in several bands before joining Fleetwood Mac in 1970, just two years after she married the band’s bassist John McVie. She left the band in 1998 and returned to tour in 2014. Following her death, her former bandmates Mick Fleetwood and Stevie Nicks said: “She was truly one of a kind, special and talented beyond measure. “She was the best musician anyone could have in their band and the best friend anyone could have in their life. “We were so lucky to have a life with her. Individually and together, we cherished Christine deeply and are thankful for the amazing memories we have. “She will be so very missed.” In February this year, Fleetwood admitted that the band was most likely “done” for good following McVie’s death. "I think right now, I truly think the line in the sand has been drawn with the loss of Chris," he told the Los Angeles Times. "I'd say we're done, but then we've all said that before. It's sort of unthinkable right now." Image: Instagram

Money & Banking

Why you should encourage your grandchildren to write stories

In an article published in <a href="https://www.jstor.org/stable/41405103" target="_blank" rel="noopener">Language Arts</a>, educators who were interested in encouraging children to write were asked why it was important for children to be encouraged to write. Their reasons were varied and interesting, and worth considering for anyone who has a young child in their life – let’s take a look at some: 1. To entertain As humans, we tell stories for many reasons, but perhaps the foremost reason is that we want to entertain one another. By encouraging children to write their own stories, they can discover what entertains them, as well as what entertains others – well-told, engaging stories. 2. To stimulate the imagination By creating from nothing a story full of characters and original plots, a child’s imagination grows and develops. 3. To search for identity When children write their own stories, they can use the conflict and characters to take their first steps on their search for identity. The power simple stories can have on a child’s self-development is remarkable. 4. To improve reading and writing skills Children need to read and write, so we may as well find a way to make it more interesting for them. Not only will writing help kids learn how to read, it can also help them understand literary devices (suspense, twist, dramatic irony, etc.), and grammatical structures. Now that we’ve explored some of the reasons creativity in writing in our kids, let’s find some ways to help get them started: 5. Inspiration exploration When you’re spending time with your grandchildren, make a game out of looking for fun story inspirations. Interesting newspaper headlines, a unique-looking house, a colouring-in book. You could even keep a box full of story inspirations to explore together with your grandchildren. 6. Unblank the page Anyone who has ever sat down to write knows there’s nothing more intimidating than a blank page. To help kids out, try giving them the opening line to a story. You can create these yourself, find a list of opening lines on the internet, or even borrow the opening line of a book on your own shelf. 7. Work all of the mind If you find that your grandchildren have difficulty focusing on just words, encourage them to explore other aspects of their own creativity by using visuals. Storyboards, illustrations, or even writing the story as a comic book can help stimulate storytelling. Image credit: Shutterstock

Family & Pets

Pizza chain's delightfully devilish scheme lets you pay when you die

A delightfully devilish pizza chain is taking the 'buy now, pay later' scheme to the next level, giving customers the chance to pay for their pizza when they die. HELL Pizza is inviting pizza fans to apply for the trial scheme, which involves amending their wills to have their total cost included. The chain has one store in Brisbane, with the rest of its stores located around New Zealand, with customers from both countries able to apply for the scheme, which involves no late fees or penalties. The restaurant will select 666 applicants from each country, who will be invited to sign a real amendment to their wills allowing the cost of their pizza to be collected upon death. According to HELL Pizza CEO Ben Cumming, pizza is one of the simple joys of life, and AfterLife Pay means diners can get their fix without having to dip into the bank account immediately. The scheme emerged after the business was approached by popular 'buy now, pay later' providers who wanted HELL Pizza to offer the service to its customers. The pizza chain's unique AfterLife Pay came as a direct response to this proposal, as a statement against “schemes trapping a growing number of Aussies in spirals of debt”, Cumming said. “We’re seeing a growing number of people using the schemes to buy essential items like food, and we think it’s taking it a step too far when you’ve got quick service restaurants like ours being asked to offer BNPL for what is considered a treat,” he said. “Especially when you consider people are falling behind in their payments and 10.5 percent of loans are in arrears." “AfterLife Pay is a light-hearted campaign that reinforces HELL’s stance on BNPL schemes - you can have your pizza and eat it too without any pesky late fees or penalties.” Applicants can apply for the scheme <a href="https://afterlife.hellpizza.au/" target="_blank" rel="noopener">online</a>, with the chain's restaurant assuring that you will you won't pay anything for your order until "you're resting six feet under". Image credits: HELL Pizza

Food & Wine

The legal matters you need to consider as you get older

Barbara Binland is the pen name of a senior, Julie Grenness, in Melbourne, Victoria, Australia. She is a poet, writer, and part-time English and Maths tutor, with over 40 years of experience. Her many books are available on Amazon and Kindle. As we are ageing, it is essential at some stage to be realistic and sort our legal affairs. This incorporates writing your last will and testament. It is an individual’s choice whether to use a will kit, or to engage a solicitor. We must decide on an executor of the will, to ensure any assets are disposed of, in accordance with our intentions. Secondly, it is an excellent idea to appoint a medical power of attorney to a trusted person, to factor in a case scenario if you are on life support. Someone needs a medical power of attorney to make tough decisions on your behalf. Thirdly, when writing your will, you need to list your beneficiaries. Moreover, you need to compile a file of your assets and investments. Furthermore, it is also a good intention to prepare any wishes for your funeral, burial or cremation. Do you wish to be an organ donor? Ultimately, if any doubts occur, it is always possible and feasible to seek advice from any legal professionals. Right, having done all that, it’s easy to think, “all sorted!” But remember, any golden oldie’s status can be affected by any change in circumstance, such as either health conditions, or by marriage, or divorce, or the death of a spouse. Then we may need to revise our will and testament. But, in the interim, put morbid thoughts to one side, that is all ‘worst case scenario’. Now we can plan for our happy and leisurely retirement, enjoying being ‘golden oldies’, anyway we choose! Here are the stats: 10/10 people are going to die, so appreciate being alive! Rise and smile! Image credit: Shutterstock

Legal

Chatbots set their sights on writing romance

Although most would expect artificial intelligence to keep to the science fiction realm, authors are facing mounting fears that they may soon have new competition in publishing, particularly as the sales of romantic fiction continue to skyrocket. And for bestselling author Julia Quinn, best known for writing the Bridgerton novel series, there’s hope that “that’s something that an AI bot can’t quite do.” For one, human inspiration is hard to replicate. Julia’s hit series - which went on to have over 20 million books printed in the United States alone, and inspired one of Netflix’s most-watched shows - came from one specific point: Julia’s idea of a particular duke. “Definitely the character of Simon came first,” Julia told BBC reporter Jill Martin Wrenn. Simon, in the Bridgerton series, is the Duke of Hastings, a “tortured character” with a troubled past. As Julia explained, she realised that Simon needed “to fall in love with somebody who comes from the exact opposite background” in a tale as old as time. And so, Julia came up with the Bridgerton family, who she described as being “the best family ever that you could imagine in that time period”. Meanwhile, Simon is estranged from his own father. Characterisation and unique relationship dynamics - platonic and otherwise - like those between Julia’s beloved characters are some of the key foundations behind any successful story, but particularly in the romance genre, where relationships are the entire driving force. It has long been suggested that the genre can become ‘formulaic’ if not executed well, and it’s this concern that prompts the idea that advancing artificial intelligence may have the capability to generate its own novel. ChatGPT is the primary problem point. The advanced language processing technology was developed by OpenAI and was trained using the likes of internet databases (such as Wikipedia), books, magazines, and the likes. The BBC reported that over 300 billion words were put into it. Because of this massive store of source material, the system can generate its own writing pieces, with the best of the bunch giving the impression that they were put together by a human mind. Across the areas of both fiction and non-fiction, it’s always learning. However, Julia isn’t too worried about her future in fiction just yet. Recalling how she’d checked out some AI romance a while ago, and how she’d found it “terrible”, she shared her belief at the time that there “could never be a good one.” But then the likes of ChatGPT entered the equation, and Julia admitted that “it makes me kind of queasy.” Still, she remains firm in her belief that human art will triumph. As she explained, “so much in fiction is about the writer’s voice, and I’d like to think that’s something that an AI bot can’t quite do.” And as for why romantic fiction itself remains so popular - and perhaps even why it draws the attention of those hoping to profit from AI generated work - she said that it’s about happy endings, noting that “there is something comforting and validating in a type of literature that values happiness as a worthy goal.” Images: @bridgertonnetflix / Instagram

Books

"Writing songs is my therapy": Ed Sheeran reveals further heartbreak

In the wake of the tragic news of the <a href="https://www.oversixty.com.au/news/news/tragedy-strikes-ed-sheeran-tour" target="_blank" rel="noopener">heartbreaking loss</a> suffered by his co-writer and touring partner, Ed Sheeran has taken to Instagram to share his struggle following a series of life-changing events – and how this has altered the course of his new album, Subtract. The singer shared how he “spiralled” into depression last year after his wife, Cherry, was diagnosed with a tumour during her second pregnancy, which couldn’t be treated until after she gave birth. The star explained that he was "trying to sculpt the perfect acoustic album" for almost a decade, when the series of events changed everything. “Writing songs is my therapy. It helps me make sense of my feelings. I wrote without thought of what the songs would be, I just wrote whatever tumbled out. “And in just over a week, I replaced a decade’s worth of work with my deepest darkest thoughts," he captioned. “Within the space of a month, my pregnant wife got told she had a tumour, with no route to treatment until after the birth. “My best friend Jamal [Edwards], a brother to me, died suddenly and I found myself standing in court defending my integrity and career as a songwriter. I was spiralling through fear, depression and anxiety. “I felt like I was drowning, head below the surface, looking up but not being able to break through for air". <blockquote class="instagram-media" style="background: #FFF; border: 0; border-radius: 3px; box-shadow: 0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width: 540px; min-width: 326px; padding: 0; width: calc(100% - 2px);" data-instgrm-captioned="" data-instgrm-permalink="https://www.instagram.com/p/CpPY7qyI6XB/?utm_source=ig_embed&utm_campaign=loading" data-instgrm-version="14"> <div style="padding: 16px;"> <div style="display: flex; flex-direction: row; align-items: center;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 40px; margin-right: 14px; width: 40px;"> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 100px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 60px;"> </div> </div> </div> <div style="padding: 19% 0;"> </div> <div style="display: block; height: 50px; margin: 0 auto 12px; width: 50px;"> </div> <div style="padding-top: 8px;"> <div style="color: #3897f0; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: 550; line-height: 18px;">View this post on Instagram</div> </div> <div style="padding: 12.5% 0;"> </div> <div style="display: flex; flex-direction: row; margin-bottom: 14px; align-items: center;"> <div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(0px) translateY(7px);"> </div> <div style="background-color: #f4f4f4; height: 12.5px; transform: rotate(-45deg) translateX(3px) translateY(1px); width: 12.5px; flex-grow: 0; margin-right: 14px; margin-left: 2px;"> </div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(9px) translateY(-18px);"> </div> </div> <div style="margin-left: 8px;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 20px; width: 20px;"> </div> <div style="width: 0; height: 0; border-top: 2px solid transparent; border-left: 6px solid #f4f4f4; border-bottom: 2px solid transparent; transform: translateX(16px) translateY(-4px) rotate(30deg);"> </div> </div> <div style="margin-left: auto;"> <div style="width: 0px; border-top: 8px solid #F4F4F4; border-right: 8px solid transparent; transform: translateY(16px);"> </div> <div style="background-color: #f4f4f4; flex-grow: 0; height: 12px; width: 16px; transform: translateY(-4px);"> </div> <div style="width: 0; height: 0; border-top: 8px solid #F4F4F4; border-left: 8px solid transparent; transform: translateY(-4px) translateX(8px);"> </div> </div> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center; margin-bottom: 24px;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 224px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 144px;"> </div> </div> <p style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; line-height: 17px; margin-bottom: 0; margin-top: 8px; overflow: hidden; padding: 8px 0 7px; text-align: center; text-overflow: ellipsis; white-space: nowrap;"><a style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: normal; line-height: 17px; text-decoration: none;" href="https://www.instagram.com/p/CpPY7qyI6XB/?utm_source=ig_embed&utm_campaign=loading" target="_blank" rel="noopener">A post shared by Ed Sheeran (@teddysphotos)</a> </div> </blockquote> The four-time Grammy award winner shared that this album was a "trapdoor" into his soul, and a way for him to make sense of everything he's been through. Sheeran announced the birth of his second daughter, Jupiter, in May of last year. Subtract will be released on the 5th of May 2023, through Asylum/Atlantic. Image: Getty

Caring

Details of Warnie's will revealed

The sizeable fortune of the late cricket legend Shane Warne has been revealed in his will. Warnie amassed a sizeable fortune before his untimely death in March 2022, with his estate being worth $20 million (AUD). As detailed in his will, the vast assets will be left to his three children, Summer, Jason and Brooke, according to reports by the <a href="https://www.smh.com.au/national/shane-warne-leaves-bulk-of-20-7-million-estate-to-his-children-20230207-p5cihc.html" target="_blank" rel="noopener">Sydney Morning Herald</a>. The assets will be divided equally between the children, with each of them receiving 31 percent of the late cricketer's estate. The details of his will came from probate records that have just been released in Victoria, which includes his $6.5 million property on the Mornington Peninsula. Warne also left 2 percent of his estate to his brother, Jason Warne, and 2.5 percent each to niece Tyla Warne and nephew Sebastian Warne. The will, which was dated December 3rd 2021, does not leave anything to his ex-wife and mother of his children Simone Callahan. At the time of his death, Warnie has a $1.2 million deposit a property in The Esplanade in St Kilda, $5 million in a Commonwealth Bank account and $1.3 million in personal loans, as well as over $2 million in shares. In the will, Warne left his large car collection to son Jackson, which includes a $350,000 Mercedes-Benz. Fans and friends around the world were shocked at the news in early March 2022 that Warne had collapsed and died from a suspected heart attack while on holiday in Koh Samui, Thailand. Warnie was farewelled in a star-studded memorial service at the Melbourne Cricket Ground on March 30th 2022, where his three children unveiled Shane Warne Stand in his honour. Image credits: Getty Images

Money & Banking

Two thirds of Australian authors are women – new research finds they earn just $18,200 a year from their writing

Most Australian book authors do not earn enough income from their creative practice to make ends meet. They rely on other jobs and other support, such as a partner’s income. In the 2020-21 financial year, the average personal income in Australia was approximately $A70,000. Only one-third of authors earned this amount from all their sources of income combined. The average total income for authors, including all sources of income, was $64,900. And the amount they earned from their books alone was far, far less. In 2022, <a href="https://researchers.mq.edu.au/en/projects/2022-national-survey-of-australian-book-authors" target="_blank" rel="noopener">we surveyed over 1,000 Australian book authors</a>. We found the average annual income authors derive from practising as an author is $18,200. That’s an increase from $15,100 seven years ago (adjusted for inflation). But it’s a modest increase from a low base: it represents growth of less than 3% per annum over seven years. Book writing is a profession dominated by women, who make up two thirds of all Australian authors. More than 80% of authors have attended university and almost half have completed a postgraduate degree – a high level of education that is not matched by high income. In our survey (which followed up on <a href="https://theconversation.com/how-to-read-the-australian-book-industry-in-a-time-of-change-49044" target="_blank" rel="noopener">an earlier 2015 study</a>), we asked Australian book authors about their income and how they allocate their time, the effect of the Covid-19 pandemic on their career, their relationships with their readers and publishers, and more. We wanted to find out what has changed in the last seven years – and whether conditions are improving for Australian authors. <h2>Authors’ earnings and ‘portfolio careers’</h2> If you are planning a career as an author, what could you expect to earn? Education authors earned the highest average income from their practice as an author ($27,300), followed by children’s ($26,800) and genre fiction ($23,300) authors. Even though these figures are above the overall average for authors, they are not enough to live on, to support a family, or to pay rent or a mortgage. At the other end of the spectrum are poets, who earned an average of $5,700 from their creative practice. Literary authors earned $14,500, which is a decrease in real terms since 2015. To break this down, an author’s income from their creative practice includes advances from publishers, royalties on book sales, fees for live appearances, Public Lending Rights (PLR) and Education Lending Rights (ELR) paid by the government for the use of their work in libraries and educational institutions, prizes and fellowships, and rights sales for film, TV etc. Artists’ careers are often known as “portfolio careers” – which sounds more glamorous than the bracing reality of juggling multiple commitments. Some authors have another career as a journalist, medical specialist, academic, teacher or public figure that provides their main source of income. Several authors wrote about the uneven timing of income from their work. One literary author wrote: It’s difficult to capture the life and income of an author because for up to five years nothing might happen except writing, then for about 18 months there is a flurry of (a tiny amount) of cash and editing, and then a month or two of publicity. <h2>The difficulty of spending time to write</h2> We asked authors what prevents them from spending more time writing. Only 6% of authors reported no competing demands for their writing time. Domestic responsibilities affect almost two-thirds of trade authors (62%). One literary author wrote: <blockquote> I managed to devote regular time to writing alongside a full-time job pre-children but the addition of a baby (now toddler) to life has rendered those opportunities non-existent. I now meet my obligations to my publisher by taking annual and sometimes unpaid leave to work on my author duties. It has certainly slowed my career and I can no longer devote time to learning experiences, networking, or applications for prizes, grants and residencies. </blockquote> Insufficient income is a factor for over half of all authors. Some commented that their ability to spend time writing was enhanced by other sources of financial security. A creative non-fiction author commented: <blockquote> Having my first book published the year before I turned 60 meant I faced less financial issues due to owning my own home, superannuation and financial support from my partner. However, if I was less financially established it would be very difficult to live on what I make as an author. </blockquote> The financial insecurity inherent to the profession may contribute to the recognised lack of diversity of Australian authors: a <a href="https://www.smh.com.au/culture/books/fewer-than-1-in-10-aussie-books-published-by-people-of-colour-report-finds-20221013-p5bpj4.html" target="_blank" rel="noopener">recent report</a> found only 7% of books published in 2018 were written by people of colour. As the UK Society of Authors <a href="https://www.societyofauthors.org/News/News/2019/May/Report-on-authors-earnings-diversity-implications" target="_blank" rel="noopener">noted</a> a few years ago, “people from less privileged backgrounds who want to write are less likely to have additional sources of household income”. In the 2022 survey, we heard from established, prize-winning authors – including some who’d had a bestselling book earlier in their career – who were contemplating no longer writing books, due to dwindling opportunities for mid-list writers. We all stand to lose if established authors leave the profession. <h2>Impact of the Covid-19 pandemic</h2> Like many Australians, the majority of authors experienced disruption and hardship due to the Covid-19 pandemic. Approximately one-third of authors reported large or modest increases in levels of financial stress. Authors promote their books through live appearances in bookstores, schools, libraries, writers’ festivals and other events. Over half of authors experienced a reduction in promotional opportunities for their next book. One creative non-fiction author wrote: <blockquote> My book [was] released into closed bookstores and I still find myself questioning if there is anything I can do to improve sales, eight months on. It was, and is, devastating. </blockquote> The lockdowns meant that over one third of authors experienced a large decrease in income from paid appearances. We found it difficult to identify a single factor that meant authors were negatively affected by the pandemic. A range of factors could be influential: whether an author lived in a state which experienced lengthy lockdowns, whether they had a book released (and if so, if they had an established large readership base or not), whether they had carer responsibilities (which could include elderly relatives as well as children), and whether they were experiencing financial stress. <h2>Small, good news – and what’s next?</h2> One piece of good news is that authors are 10% more likely to be satisfied with their main publisher than they were seven years ago. Nearly one-third (31.6%) of authors are very satisfied with their main publisher – an increase from just 19.6% in 2015. Authors, large and small publishers, booksellers and libraries are working on joint initiatives to promote Australia’s reading culture in 2023. The industry awaits the federal government’s national cultural policy with anticipation. This article originally appeared on <a href="https://theconversation.com/two-thirds-of-australian-authors-are-women-new-research-finds-they-earn-just-18-200-a-year-from-their-writing-195426" target="_blank" rel="noopener">The Conversation</a>. Image: Shutterstock

Books

The 5,000-year history of writer’s block

Ann Patchett, who has written eight novels and five books of nonfiction, says that when faced with writer’s block, sometimes it seems that the muse has “<a href="http://www.annpatchett.com/titles#/thisisthestoryofahappymarriage/" target="_blank" rel="noopener">gone out back for a smoke</a>.” It doesn’t matter whether you’re an award-winning novelist or a high schooler tasked with writing an essay for English class: The fear and frustration of writing doesn’t discriminate. My most recent book, “<a href="https://broadviewpress.com/product/a-writing-studies-primer/" target="_blank" rel="noopener">A Writing Studies Primer</a>,” includes a chapter on gods, goddesses and patron saints of writing. When conducting research, I was struck by how writers have consistently sought divine inspiration and intercession. It turns out that frustrated writers who pine for a muse or help from above are adhering to a 5,000-year-old tradition. <div data-id="17"> </div> <h2>The first writers look to the skies</h2> The first writing system, <a href="https://www.britannica.com/topic/cuneiform" target="_blank" rel="noopener">cuneiform</a>, arose in Sumer around 3200 BC to keep track of wheat, transactions, real estate and recipes. Scribes used clay tablets to record the information – think of them as early spreadsheets. Originally the Sumerian goddess of grain, <a href="https://www.worldhistory.org/Nisaba/" target="_blank" rel="noopener">Nisaba</a> became associated with writing. She was depicted holding a gold stylus and clay tablet. As it was common for people to adopt a god or goddess for their professions, a new class of scribes latched onto Nisaba. Practice tablets from <a href="https://www.jstor.org/stable/367648" target="_blank" rel="noopener">schools that trained young scribes</a> invoke her name – “Praise be to Nisaba!” Poets trumpeted her influence and <a href="https://twitter.com/anctxtmodtablet/status/1097890316458360832" target="_blank" rel="noopener">credited her for giving beautiful handwriting</a> to diligent students. Her Egyptian counterpart was <a href="https://ancientegyptonline.co.uk/seshat/" target="_blank" rel="noopener">Seshat</a>, whose name <a href="https://www.worldhistory.org/Seshat/" target="_blank" rel="noopener">translates to</a> “female scribe.” Identifiable by a stylized papyrus as her headdress and a stylus in her right hand, Seshat guided the reed pens of scribes as priests communicated with the divine. Writing was all about communicating with the gods, and the Greeks and Romans continued this tradition. They turned to the nine daughters of Zeus and Mnemosyne, known collectively as <a href="https://www.ancient-origins.net/myths-legends-europe/nine-muses-0013523" target="_blank" rel="noopener">the Muses</a>. Calliope stands out most notably, not only because a musical instrument was named after her, but also because she was considered the foremost of the sisters for her eloquence. The Muses <a href="https://www.wsj.com/articles/SB124242927020125473" target="_blank" rel="noopener">have since evolved</a> into one overarching “muse” that serves as a source of inspiration. <h2>Global gods and goddesses of writing</h2> Gods and other legendary figures of writing are not limited to Western civilization. In China, the historian Cangjie, who lived in the 27th century B.C., is said to have created the <a href="https://www.ewccenter.com/cangjie-and-the-invention-of-chinese-characters" target="_blank" rel="noopener">characters of the Chinese language</a>. Legend has it that he was inspired by the pattern of veins on a turtle. (Back then, the Chinese <a href="https://www.worldhistory.org/Oracle_Bones/" target="_blank" rel="noopener">often wrote on turtle shells</a>.) A <a href="https://www.newworldencyclopedia.org/entry/Fu_Xi" target="_blank" rel="noopener">competing story</a> says that cultural folk hero Fuxi and his sister Nüwa created the system of Chinese characters circa 2000 B.C. Yet it is Cangjie’s name that lives on in the Cangjie Input Method, which refers to the system that allows Chinese characters <a href="https://www.cangjieinput.com/?lang=en" target="_blank" rel="noopener">to be typed using a standard QWERTY keyboard</a>. In India, writers still invoke the elephant-headed Hindu god <a href="https://www.denverartmuseum.org/en/blog/ganesha-chathurthi-birth-elephant-headed-god" target="_blank" rel="noopener">Ganesha</a> <a href="https://www.thestatesman.com/features/common-writing-rooms-well-known-authors-lord-ganesh-1502544876.html" target="_blank" rel="noopener">before putting ink to paper</a>. Known as a remover of obstacles, Ganesha can be especially meaningful for those struggling with writer’s block. There’s also <a href="https://www.worldhistory.org/Sarasvati/" target="_blank" rel="noopener">Saraswati</a>, the Hindu goddess of learning and the arts, who’s renowned for her eloquence. In Mesoamerica, Mayan culture looked to <a href="https://www.britannica.com/topic/Itzamna" target="_blank" rel="noopener">Itzamná</a> as the deity who provided the pillars of civilization: writing, calendars, medicine and worship rituals. His depiction as a toothless and wise old man signaled that he was not to be feared, an important characteristic for someone promoting an anxiety-inducing process like writing. <h2>Enter the patron saints</h2> In Christianity, <a href="https://theconversation.com/who-are-patron-saints-and-why-do-catholics-venerate-them-148508" target="_blank" rel="noopener">patron saints</a> are exemplars or martyrs who serve as role models and heavenly advocates. Various groups – professions, people with a certain illness and even entire nations – will adopt a patron saint. Within the Catholic Church, a range of patron saints can serve as inspiration for writers. <a href="https://theconversation.com/st-brigid-the-compassionate-sensible-female-patron-saint-of-ireland-gets-a-lot-less-recognition-than-st-patrick-176659" target="_blank" rel="noopener">St. Brigid of Ireland</a>, who lived from 451 to 525, is the patron saint of printing presses and poets. A contemporary of the better-known <a href="https://theconversation.com/10-things-to-know-about-the-real-st-patrick-92253" target="_blank" rel="noopener">St. Patrick</a>, St. Brigid established a monastery for women, which included a school of art that became famous for its handwritten, decorative manuscripts, particularly the <a href="http://www.kildarearchsoc.ie/the-book-of-kildare/" target="_blank" rel="noopener">Book of Kildare</a>. Following St. Brigit in Ireland is St. Columba, who lived from 521 to 597 and founded the influential abbey at Iona, an island off the coast of Scotland. A renowned scholar, St. Columba transcribed over 300 books over the course of his life. The influence of patron saints dedicated to literacy – reading and writing – continued long after the Middle Ages. In 1912, the <a href="https://www.css.edu/" target="_blank" rel="noopener">College of Saint Scholastica</a> was founded in Minnesota in tribute to <a href="https://d.lib.rochester.edu/teams/text/whatley-saints-lives-in-middle-english-collections-life-of-st-scholastica-introduction" target="_blank" rel="noopener">Scholastica</a> (480-543), who with her twin brother, Benedict (died in 547), enjoyed discussing sacred texts. Both Italian patron saints came to be associated with books, reading and schooling. <h2>Objects charged with power</h2> Some writers may think supernatural figures seem a bit too far removed from the physical world. Fear not – there are magical objects that they can touch for inspiration and help, such as talismans. Derived from the ancient Greek word telein, which means to “fulfill,” it was an object that – like an amulet – protected the bearer and facilitated good fortune. Today, you can buy talismans drawn on ancient Celtic symbols that purport to help with the writing process. <a href="https://www.moonlightmysteries.com/pewter-talisman-for-poets-writers-and-actors/" target="_blank" rel="noopener">One vendor promises</a> “natural inspiration and assist in all of your writing endeavors.” Another supplier, <a href="https://www.magickalneeds.com/product/talisman-for-poets/" target="_blank" rel="noopener">Magickal Needs</a>, advertises a similar product that supposedly helps “one find the right word at the most opportune moment.” Others turn to crystals. A <a href="https://www.etsy.com/au/listing/831873886/healing-crystals-for-writers-writers" target="_blank" rel="noopener">writer’s block crystals gift set</a> available through Etsy offers agate, carnelian, tiger eye, citrine, amethyst and clear quartz crystals to help those struggling to formulate sentences. <h2>What makes a writer?</h2> What drove the creation of divine beings and objects that can inspire and intercede on the behalf of writers? To me, it’s no mystery why writers have sought divine intervention for 5,000 years. Sure, tallying counts of sheep or bushels of grain might seem like rote work. Yet early in the development of writing systems, the physical act of writing was exceedingly difficult – and one of the reasons schoolchildren prayed for help with their handwriting. Later, the act of creation – coming up with ideas, communicating them clearly and engaging readers – could make writing feel like a herculean task. Ironically, this complex skill does not necessarily get easier, even with lots of practice. The romantic image of the <a href="https://theconversation.com/genius-in-the-garret-or-member-of-the-guild-60175" target="_blank" rel="noopener">writer in the garret</a> doesn’t do justice to the tedious reality of churning out words, one after another. In his memoir “<a href="https://stephenking.com/works/nonfiction/on-writing-a-memoir-of-the-craft.html" target="_blank" rel="noopener">On Writing</a>,” Stephen King reflected, “Amateurs sit and wait for inspiration, the rest of us just get up and go to work.” At the suggestion of a friend, the writer Patchett attached a <a href="http://www.annpatchett.com/titles#/thisisthestoryofahappymarriage/" target="_blank" rel="noopener">sign-in sheet to the door of her writing room</a> to ensure she wrote every day. No matter how accomplished a writer, he or she will inevitably struggle with writer’s block. Pulitzer Prize−winning author John McPhee, who began contributing to The New Yorker in 1963, details his writer’s block in a <a href="https://www.newyorker.com/magazine/2013/04/29/draft-no-4" target="_blank" rel="noopener">2013 article</a>: “Block. It puts some writers down for months. It puts some writers down for life.” Another famous writer for The New Yorker, Joseph Mitchell, was struck by <a href="https://www.bbc.com/news/av/magazine-32602862" target="_blank" rel="noopener">writer’s block in 1964</a> and simply sat and stared at his typewriter for 30 years. I’ve even wrestled with this article, writing and rewriting it in my head a dozen times before actually typing the first word. Poet and satirist Dorothy Parker <a href="https://www.nytimes.com/interactive/projects/cp/obituaries/archives/dorothy-parker" target="_blank" rel="noopener">once said</a>, “I hate writing; I love having written.” You and me both, Dorothy. This article originally appeared on <a href="https://theconversation.com/the-5-000-year-history-of-writers-block-190037" target="_blank" rel="noopener">The Conversation</a>. Image: Shutterstock

Books

Battle of wills is costly and rarely delivers

There's nothing quite so grubby and unseemly as adult children battling over the last will and testament of a parent but such bitter skirmishes are constantly being fought through the courts. A will, properly done, is no guarantee against a legal challenge from a family member who feels they have not been left a fair slice of the family wealth. But courts tend to respect the wishes of testators to leave their wealth to whomever or whatever they wish, as long as they have not breached their “moral duty” to family members (for example entirely excluding one of three children without good reason or promising to leave something to a carer and then not doing so) or have failed to provide adequately for young children. It does appear a fair number of wills are made in people's dying days, often varying earlier wills as they ponder how they want to dispose of their worldly wealth. While it's always tempting to draw conclusions from a limited number of cases, it is hard not to theorise that wills drawn up in dying days are more likely to be challenged under the notion the writer lacked mental capacity, or that they were more susceptible to undue influences. But while these challenges may be costly to the estate - and enriching to lawyers - case law shows that mere unfairness will not be overturned by the courts, and that courts will only do the minimum needed to remedy any “breach of moral duty”. And, to quote one judgment, just because a judge “sitting in the testator's armchair” might see the matter differently, does not mean they should rewrite a will. A good will can be challenged Testators cannot be sure their will won't be challenged even if they make small bequests to recognise their moral duties to all their issue and justify their decisions in writing - something Public Trust asks testators to do. This tends to include citing the help given to family members in life. In one case a woman left most of her wealth to her granddaughter, who she had raised and who had looked after her later in life. The woman's two sons chose to challenge the will, which left one nothing (he had been helped financially in his parents' lives and had later squabbled over money with his mother) and the other a token amount. The brothers lost the legal tussle. Mother cut out of daughter's will One case involved the unusual situation of a mother seeking to have the will of her daughter altered. The daughter, dying of cancer, changed her will as she neared death, leaving all her money to friends, the Cancer Society and the hospice that was caring for her. The mother, included in a previous will, alleged her daughter lacked the mental capacity to make a will and also that “undue influence” had been brought to bear on her by a friend who inherited from the will. The allegations were backed by no evidence. Besides, the daughter had shown she had thought about her mother in notes stating that her mother was now financially independent. Getting the sums right In life a testator helped his son buy the family farm. When he died, his son's debts were forgiven, thereby passing the farm entirely to his son. The residual estate was then to be split among his other two children, both daughters. That meant the daughters got much less than the son, whose farm they believed was now worth about $10 million in part due to significant capital gains. The daughters challenged the will but the court said they could not maintain there had been a moral breach as both were left sums of about $300,000, even though there was written evidence the testator and his wife understood they put in place "arrangements which would give our three children an approximate equal share of our estates”. Unfortunately, their desires were not achieved in the legal documents. It appears the testator's professional advisers may not have done a good job. Abusive son A man who challenged his parents' will, in which he was left $70,000 of their $400,000 estate, got nothing more despite claims he deserved a half share. The man had Asperger's Syndrome but the judge decided the abusive way he treated his parents was only partly a result of the syndrome. The judge found the parents had treated the man well but that he had been abusive - documents were quoted in the judgment including one telling his parents to "f... off out of my life" - and that the relationship had been a “one-way street”. They had also given him $50,000 to pay off debts before they died and while they had considered cutting the son out of the will entirely, they had not. They had not, therefore, failed in their moral duty to him. Written by Rob Stock. First appeared on <a href="http://www.stuff.co.nz/" target="_blank">Stuff.co.nz</a>. Any advice contained in this communication is general advice only. None of the information provided is, or should be considered to be, personal financial advice.

Legal

5 mistakes to avoid when leaving an inheritance

Unlike virtually everything else in life, inheritance mistakes aren’t felt by the person who makes them. It’s those left behind who must deal with the fallout. What will your loved ones ultimately inherit? Estate planning. Wills. Inheritance. Nobody enjoys talking about these because they reflect our own mortality. Yet they have major ramifications for the loved ones we leave behind. Mistakes can be devastating. Thankfully, though, the most common inheritance mistakes are easily avoided. Mistake #1: Failing to plan A simple equation governs legal and money matters: failing to plan = planning to fail. Inheritances left to chance risk your wishes not being carried out. Disagreements between siblings and/or other benefactors become more likely – particularly if you are divorced/separated or have a blended family. Additionally, the government could wind up the biggest winner, with unclaimed assets seized by the state. The result? Benefits are wasted and relationships damaged – perhaps permanently. Mistake #2: Set-and-forget Sadly, I have seen this many times – someone’s ‘set-and-forget’ mindset meant their estate plans were outdated on their death, leaving behind significant question marks. Who inherits assets not covered in the will? What happens to assets left to someone who has already died? Do children born after the plans were drafted inherit at all? If you’ve been separated, outdated plans could see your ex become your primary beneficiary. Your grieving current partner could be forced to contest in court – and risk losing even more in legal fees – or miss out altogether. The same goes for divorced children and their ex. Treat your will like your garden – it should be tended regularly to be its best and allowed to grow and adapt to suit your changing circumstances. Mistake #3: When a will won’t do Wills cover many aspects – dividing money and assets; delegating custodianship of any children under 18 and how they will be provided for; and nominating the executor(s) of your estate. However, contrary to popular belief, a will is not the be all and end all. Separate legal entities and certain financial assets are not covered by a will, including businesses, trusts and similar structures, and – crucially – superannuation. These require you to nominate your beneficiaries within those entities. Property can also be treated outside of a will, as joint tenants have an automatic right of survivorship. As tenants in common, you can gift your share to someone else, such as children. Remember though, if your partner still lives in the property but someone else inherits your share (especially if the two don’t get along), your partner could be pressured to move or sell – even if they have nowhere else to go. Mistake #4: Hindering, not helping While your intention may be to support family, you may inadvertently leave them worse off or see their benefits squandered if inheritances are poorly planned. For example, leaving property to someone who cannot afford the upkeep could be counterproductive. What if it can’t be sold? If they live in it and must sell, where will they go? Can they afford the same location? With taxes, will Capital Gains Tax be better managed if assets are sold from within your estate or once ownership is transferred? Will dividends/rental income push up their income tax? Will a super death benefit be taxable? Plus, many people don’t realise that under 18s income tax rates are higher than most adult tax rates. Mistake #5: Failing your partner Death inflicts enormous and often sudden change onto a surviving spouse or partner, if you have one. If not retired, they may need time off work to grieve and manage affairs. Funeral costs accumulate. Your income stops. Economies of scale (living costs are less per person for couples than for singles) disappear. They may be unable to look after themselves. Ask yourself: <ul> <li>Do you have life insurance? Funeral cover?</li> <li>Is cash readily available for them to live on while your affairs are settled? </li> <li>What provisions are made for meeting mortgage repayments without your income?</li> <li>How much superannuation is left for their twilight years? </li> <li>Can they operate/sell the business if you’re self-employed?</li> <li>Do they need paid-for care?</li> </ul> Inheritance is a complex business and that complexity compounds with the number of assets and beneficiaries. To ensure your wishes are implemented and your legacy is a positive one, I implore you – get good professional advice and make a thorough, up-to-date plan, one which works for both yourself and everyone set to inherit from it. Helen Baker is a licensed Australian financial adviser and author of the new book, On Your Two Feet: The Essential Guide to Financial Independence for all Women (Ventura Press, $32.99). Helen is among the 1% of financial planners who hold a master's degree in the field. Proceeds from book sales are donated to charities supporting disadvantaged women and children. Find out more at <a href="https://onyourowntwofeet.com.au" target="_blank" rel="noopener">www.onyourowntwofeet.com.au</a> Image credits: Getty Images

Retirement Income

Chris Rock opens up about THAT slap

It was the slap that was heard all around the world and had tongues wagging. Chris Rock, who was slapped in the face at the Oscars by Will Smith after making a joke about his wife Jada Pinkett Smith’s bald head (who suffers from alopecia), has spoken about the assault. While headlining stand-up shows in New York and New Jersey, Rock spoke about the infamous slap which “hurt like a motherf***er”. “Yeah, that sh*t hurt, motherf***er – but I shook that sh*t off and went to work the next day,” he said onstage while performing with Kevin Hart and Dave Chappelle. “Anyone who says ‘words hurt’ has never been punched in the face.” Rock then proceeded to call out those who said he was a victim, and who made a bigger deal out of the slap than necessary. “I’m not a victim, motherf***er. I don’t go to the hospital for a paper cut.” This is the first time Rock has publicly addressed the slap which saw movies that were set to feature Will either <a href="https://oversixty.com.au/entertainment/movies/is-this-the-end-of-will-smith-s-career" target="_blank" rel="noopener">postponed or shelved</a> following his assault on the comedian. At the Oscars, Smith shocked the crowd and viewers across the world when he stood up from his seat, walked across the stage and slapped Rock before sitting back down. “Will Smith just smacked the s*** out of me,” Rock said as Smith walked off. Smith then yelled back, “Keep my wife’s name out of your f***ing mouth”. The only time Rock actually mentioned the slap was during a show in May at the UK’s Royal Albert Hall. “I’m OK, if anybody was wondering. I got most of my hearing back,” he said. “People expect me to talk about the bullsh*t. I’m not going to talk about it right now. I’ll get to it eventually – on Netflix." Smith took to Instagram a few days after the assault and publicly apologised to Rock for slapping him on-stage. “Violence in all of its forms is poisonous and destructive. My behaviour at last night’s Academy Awards was unacceptable and inexcusable,” he wrote. “Jokes at my expense are a part of the job, but a joke about Jada’s medical condition was too much for me to bear and I reacted emotionally. “I would like to publicly apologise to you, Chris. I was out of line and I was wrong. I am embarrassed and my actions were not indicative of the man I want to be.” Image: Getty

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