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Think $5.50 is too much for a flat white? Actually it’s too cheap, and our world-famous cafes are paying the price

<p><em><a href="https://theconversation.com/profiles/emma-felton-143029">Emma Felton</a>, <a href="https://theconversation.com/institutions/university-of-south-australia-1180">University of South Australia</a></em></p> <p>Even in a stubborn cost-of-living crisis, it seems there’s one luxury most Australians <a href="https://www.comparethemarket.com.au/news/what-australians-wont-give-up-cost-of-living-crisis-report/">won’t sacrifice</a> – their daily cup of coffee.</p> <p>Coffee sales have largely <a href="https://www.statista.com/statistics/866543/australia-domestic-consumption-of-coffee/">remained stable</a>, even as financial pressures have bitten over the past few years.</p> <p>So too have prices. Though many of us became upset when prices began to creep up last year, they’ve since largely settled in the range between $4.00 and $5.50 for a basic drink.</p> <p>But this could soon have to change. By international standards, Australian coffee prices are low.</p> <p>No one wants to pay more for essentials, least of all right now. But our independent cafes are struggling.</p> <p>By not valuing coffee properly, we risk losing the <a href="https://bizcup.com.au/australian-coffee-culture/">internationally renowned</a> coffee culture we’ve worked so hard to create, and the phenomenal quality of cup we enjoy.</p> <h2>Coffee is relatively cheap in Australia</h2> <p>Our recent survey of Australian capital cities found the average price of a small takeaway flat white at speciality venues is A$4.78.</p> <p>But in <a href="https://pabloandrustys.com.au/blogs/drinkbettercoffee/global-coffee-prices">some international capitals</a>, it’s almost double this, even after adjusting for local <a href="https://www.investopedia.com/updates/purchasing-power-parity-ppp/">purchasing power parity</a>.</p> <p><iframe id="gaplH" class="tc-infographic-datawrapper" style="border: none;" src="https://datawrapper.dwcdn.net/gaplH/" width="100%" height="400px" frameborder="0"></iframe></p> <p>In London, a small flat white costs about A$6.96. Singapore, A$8.42. In Athens, as much as A$9.95.</p> <h2>The cafe business is getting harder</h2> <p>Over the past few decades, coffee prices haven’t kept pace with input costs. In the early 2000s, after wages, food costs, utilities and rent, many cafes <a href="https://www.coffeecommune.com.au/blog-why-are-cafes-so-expensive/">earned healthy profit margins</a> as high as 20%.</p> <p>The <a href="https://www.ibisworld.com/au/industry/cafes-coffee-shops/2015/">most recent data from IBISWorld</a> show that while Australian cafe net profits have recovered from a drop in 2020, at 7.6%, they remain much lower than the Australian <a href="https://www.money.com.au/research/australian-business-statistics">average business profit margin of 13.3%</a>.</p> <p>For an independent owner operating a cafe with the <a href="https://www.ibisworld.com/au/industry/cafes-coffee-shops/2015/">average turnover of A$300,000</a>, this would amount to a meagre A$22,800 annual net profit after all the bills are paid.</p> <h2>What goes into a cup?</h2> <p>Just looking at the cost of raw inputs – milk, beans, a cup and a lid – might make the margin seem lucrative. But they don’t paint the whole picture.</p> <figure class="align-center "><img src="https://images.theconversation.com/files/584949/original/file-20240328-24-rlngpk.jpg?ixlib=rb-1.1.0&q=45&auto=format&w=754&fit=clip" sizes="(min-width: 1466px) 754px, (max-width: 599px) 100vw, (min-width: 600px) 600px, 237px" srcset="https://images.theconversation.com/files/584949/original/file-20240328-24-rlngpk.jpg?ixlib=rb-1.1.0&q=45&auto=format&w=600&h=600&fit=crop&dpr=1 600w, https://images.theconversation.com/files/584949/original/file-20240328-24-rlngpk.jpg?ixlib=rb-1.1.0&q=30&auto=format&w=600&h=600&fit=crop&dpr=2 1200w, https://images.theconversation.com/files/584949/original/file-20240328-24-rlngpk.jpg?ixlib=rb-1.1.0&q=15&auto=format&w=600&h=600&fit=crop&dpr=3 1800w, https://images.theconversation.com/files/584949/original/file-20240328-24-rlngpk.jpg?ixlib=rb-1.1.0&q=45&auto=format&w=754&h=754&fit=crop&dpr=1 754w, https://images.theconversation.com/files/584949/original/file-20240328-24-rlngpk.jpg?ixlib=rb-1.1.0&q=30&auto=format&w=754&h=754&fit=crop&dpr=2 1508w, https://images.theconversation.com/files/584949/original/file-20240328-24-rlngpk.jpg?ixlib=rb-1.1.0&q=15&auto=format&w=754&h=754&fit=crop&dpr=3 2262w" alt="A takeaway coffee cup showing the price inputs, with wages and operation costs making up over 65% of the cost of a coffee" /><figcaption><span class="caption">Chart: The Conversation.</span> <span class="attribution"><a class="source" href="https://pabloandrustys.com.au/blogs/drinkbettercoffee/whats-in-the-cost-of-coffee">Data: Pablo and Rusty's Coffee Roasters</a>, <a class="license" href="http://creativecommons.org/licenses/by-sa/4.0/">CC BY-SA</a></span></figcaption></figure> <p>Over the past few years, renting the building, keeping the lights on and paying staff have all become <a href="https://www.reuters.com/business/ground-down-australia-coffee-shops-an-early-inflation-casualty-2023-07-10/">much bigger factors</a> in the equation for coffee shop owners, and many of these pressures aren’t easing.</p> <p><strong>1. Green coffee price</strong></p> <p>Increasingly <a href="https://www.aa.com.tr/en/environment/brewing-crisis-how-climate-change-is-reshaping-coffee-production/3113886">subject to the effects</a> of climate change, the baseline commodity price of green (unroasted) coffee is <a href="https://perfectdailygrind.com/2024/02/demand-for-robusta-prices-record-high/">going up</a>.</p> <p>Arabica – the higher quality bean you’re most likely drinking at specialty cafes – is a more expensive raw product. Despite levelling off from post-pandemic highs, its price is still trending up. In 2018, it <a href="https://www.statista.com/statistics/675807/average-prices-arabica-and-robusta-coffee-worldwide/">sold</a> for US$2.93 per kilogram, which is projected to increase to US$4.38 dollars in 2025.</p> <p>Robusta coffee is cheaper, and is the type <a href="https://www.lavazza.com.au/en/coffee-secrets/difference-type-arabica-robusta-coffee">typically used to make instant coffee</a>. But serious drought in Vietnam has just pushed the price of robusta to an <a href="https://www.barchart.com/story/news/25094367/coffee-rallies-with-robusta-at-a-record-high-on-shrinking-coffee-output-in-vietnam">all-time high</a>, putting pressure on the cost of coffee more broadly.</p> <p><strong>2. Milk prices</strong></p> <p>The price of fresh milk has risen by <a href="https://cdn-prod.dairyaustralia.com.au/-/media/project/dairy-australia-sites/national-home/resources/reports/situation-and-outlook/situation-and-outlook-report-march-2024.pdf?rev=b0222df4b01b40d0ae36cf8ac7b01bc0">more than 20%</a> over the past two years, and remains at a peak. This has put sustained cost pressure on the production of our <a href="https://gitnux.org/australian-coffee-consumption-statistics/#:%7E:text=Coffee%20is%20a%20beloved%20beverage,approximately%206%20billion%20cups%20annually.">most popular drink orders</a>: cappuccinos and flat whites.</p> <p><strong>3. Wages and utilities</strong></p> <p>Over the past year, Australian wages have grown at their <a href="https://ministers.treasury.gov.au/ministers/jim-chalmers-2022/media-releases/real-wages-growth-back">fastest rate</a> since 2009, which is welcome news for cafe staff, but tough on operators in a sector with low margins.</p> <p>Electricity prices remain elevated after significant inflation, but could <a href="https://www.sbs.com.au/news/article/heres-how-much-your-energy-bills-might-go-down-by-and-when/k8g00jheg">begin to fall mid-year</a>.</p> <h2>Specialty vs. commodity coffee: why price expectations create an industry divide</h2> <p>One of the key factors keeping prices low in Australia is consumer expectation.</p> <p>For many people coffee is a fundamental part of everyday life, a marker of livability. Unlike wine or other alcohol, coffee is not considered a luxury or even a treat, where one might expect to pay a little more, or reduce consumption when times are economically tough. We anchor on familiar prices.</p> <p><iframe id="oDbah" class="tc-infographic-datawrapper" style="border: none;" src="https://datawrapper.dwcdn.net/oDbah/" width="100%" height="400px" frameborder="0"></iframe></p> <p>Because of this, it really hurts cafe owners to put their prices up. In touch with their customer base almost every day, they’re acutely aware of how much inflation can hurt.</p> <p>But in Australia, a huge proportion of coffee companies are also passionate about creating a world-class product by only using “<a href="https://medium.com/@samandsunrise/why-is-specialty-coffee-so-expensive-6cf298935e4b#:%7E:text=Specialty%20Shops%20Feature%20High%20Grade%20Coffees&text=Their%20coffees%20are%20hand%2Dpicked,even%20on%20the%20same%20tree.">specialty coffee</a>”. Ranked at least 80 on a quality scale, specialty beans cost significant more than commodity grade, but their production offers better working conditions for farmers and encourages more sustainable growing practices.</p> <p>Although not commensurate with the wine industry, there are similarities. Single origin, high quality beans are often sourced from one farm and demand higher prices than commodity grade coffee, where cheaper sourced beans are often combined in a blend.</p> <p>Running a specialty cafe can also mean roasting your own beans, which requires a big investment in expertise and equipment.</p> <p>It’s an obvious example of doing the right thing by your suppliers and customers. But specialty cafes face much higher operating costs, and when they’re next to a commodity-grade competitor, customers are typically unwillingly to pay the difference.</p> <h2>Approach price rises with curiosity, not defensiveness</h2> <p>When cafe owners put up their prices, we often rush to accuse them of selfishness or profiteering. But they’re often just trying to survive.</p> <p>Given the quality of our coffee and its global reputation, it shouldn’t surprise us if we’re soon asked to pay a little bit more for our daily brew.</p> <p>If we are, we should afford the people who create one of our most important “<a href="https://theconversation.com/how-cafes-bars-gyms-barbershops-and-other-third-places-create-our-social-fabric-135530">third spaces</a>” kindness and curiosity as to why. <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/226015/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /></p> <p><a href="https://theconversation.com/profiles/emma-felton-143029"><em>Emma Felton</em></a><em>, Adjunct Senior Researcher, <a href="https://theconversation.com/institutions/university-of-south-australia-1180">University of South Australia</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/think-5-50-is-too-much-for-a-flat-white-actually-its-too-cheap-and-our-world-famous-cafes-are-paying-the-price-226015">original article</a>.</em></p>

Money & Banking

Outcry after authorities seize internet-famous magpie from Queensland family

<p>In a move that has sparked widespread outrage, Queensland authorities have taken custody of an internet-famous magpie named Molly from a family who rescued and cared for her. The decision has left many Australians reeling, questioning the reasoning behind separating a beloved animal from its devoted caregivers.</p> <p>Molly's journey from a helpless chick to an online sensation began when Juliette Wells and Reece Mortensen, a couple from the Gold Coast, took her in and nursed her back to health. Their heartwarming story of nurturing Molly, alongside their English staffy Peggy, captured the hearts of countless social media users. Videos showcasing the unlikely friendship between Molly and Peggy quickly went viral, earning them legions of fans worldwide.</p> <p>Despite Molly's free-spirited life, where she roamed outdoors and enjoyed the company of her canine companion, Queensland authorities intervened, citing allegations of unlawful captivity. The Department of Environment, Science and Innovation (DESI) confirmed that Molly was voluntarily surrendered to them amid accusations of being kept without proper permits or authorisation.</p> <blockquote class="instagram-media" style="background: #FFF; border: 0; border-radius: 3px; box-shadow: 0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width: 540px; min-width: 326px; padding: 0; width: calc(100% - 2px);" data-instgrm-captioned="" data-instgrm-permalink="https://www.instagram.com/reel/C4-gkw-peYc/?utm_source=ig_embed&utm_campaign=loading" data-instgrm-version="14"> <div style="padding: 16px;"> <div style="display: flex; flex-direction: row; align-items: center;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 40px; margin-right: 14px; width: 40px;"> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 100px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 60px;"> </div> </div> </div> <div style="padding: 19% 0;"> </div> <div style="display: block; height: 50px; margin: 0 auto 12px; width: 50px;"> </div> <div style="padding-top: 8px;"> <div style="color: #3897f0; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: 550; line-height: 18px;">View this post on Instagram</div> </div> <div style="padding: 12.5% 0;"> </div> <div style="display: flex; flex-direction: row; margin-bottom: 14px; align-items: center;"> <div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(0px) translateY(7px);"> </div> <div style="background-color: #f4f4f4; height: 12.5px; transform: rotate(-45deg) translateX(3px) translateY(1px); width: 12.5px; flex-grow: 0; margin-right: 14px; margin-left: 2px;"> </div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(9px) translateY(-18px);"> </div> </div> <div style="margin-left: 8px;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 20px; width: 20px;"> </div> <div style="width: 0; height: 0; border-top: 2px solid transparent; border-left: 6px solid #f4f4f4; border-bottom: 2px solid transparent; transform: translateX(16px) translateY(-4px) rotate(30deg);"> </div> </div> <div style="margin-left: auto;"> <div style="width: 0px; border-top: 8px solid #F4F4F4; border-right: 8px solid transparent; transform: translateY(16px);"> </div> <div style="background-color: #f4f4f4; flex-grow: 0; height: 12px; width: 16px; transform: translateY(-4px);"> </div> <div style="width: 0; height: 0; border-top: 8px solid #F4F4F4; border-left: 8px solid transparent; transform: translateY(-4px) translateX(8px);"> </div> </div> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center; margin-bottom: 24px;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 224px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 144px;"> </div> </div> <p style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; line-height: 17px; margin-bottom: 0; margin-top: 8px; overflow: hidden; padding: 8px 0 7px; text-align: center; text-overflow: ellipsis; white-space: nowrap;"><a style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: normal; line-height: 17px; text-decoration: none;" href="https://www.instagram.com/reel/C4-gkw-peYc/?utm_source=ig_embed&utm_campaign=loading" target="_blank" rel="noopener">A post shared by Peggyandmolly (@peggyandmolly)</a></p> </div> </blockquote> <p>The news of Molly's seizure has triggered a wave of condemnation online, with many expressing disbelief and frustration at what they perceive as bureaucratic overreach. Concerns have been raised about the impact of separation on Molly's well-being, particularly considering her close bond with the family and the potential disruption to her accustomed lifestyle.</p> <p>Supporters of Wells and Mortensen have launched petitions urging authorities to reconsider their decision and return Molly to her rightful home. The couple themselves have pleaded for Molly's return, given the familiarity and love she experienced within their family unit.</p> <p>DESI, meanwhile, has defended its actions, asserting that Molly's prolonged exposure to human contact has rendered her unsuitable for release into the wild. Consequently, efforts are underway to find a suitable facility where Molly can receive the care and attention she requires.</p> <p><em>Images: Instagram</em></p>

Family & Pets

Christchurch attack victims' families reflect on tragedy five years on

<p>It's been five years since 51 men, women and children, were murdered in a terror attack when a white supremacist opened fire at Al Noor and Linwood mosques in Christchurch, New Zealand.</p> <p>Now, the victims' families have reflected on the tragic day, and commemorated their loved ones on the five-year anniversary of the attacks.</p> <p>Dr Maysoon Salama, who lost her son Atta Elayyan, 33, relives the grief of losing her son every day.</p> <p>“The pain is still fresh,” she told <em>7NEWS</em>.</p> <p>Five years on, the good memories she shared with her son still play back in her mind.</p> <p>“Atta was an amazing son,” she said. “He’s touched the lives of so many people.”</p> <p>Despite the tragedy, Dr Salama remains strong and finds herself healing through her granddaughter Aya.</p> <p>“I feel like I see her father when I see her,” she said.</p> <p>“It’s a really hard journey ... but she has always been my focus.”</p> <p>Aya was two when she lost her father, and Dr Salama was faced with the heartbreaking task of helping her granddaughter adjust to a life without her father.</p> <p>“When I look her in the eyes and she will ask, ‘Where is my dad?’, what am I going to tell her?” she recalled thinking.</p> <p>“How are we going to tell her when she’s so attached to her daddy? She loved him so much.”</p> <p>Dr Salama's husband, Mohammad Alayan, was among the dozens of people hospitalised following the attack, with doctors at the time saying he was “lucky to survive”.</p> <p>“He had been shot twice. One in his head and it affected his vision and one in his shoulder and she said it was just a few millimetres away from his heart,” Maysoon said.</p> <p>The couple run a Muslim childcare centre An-Nur, and have worked together to help children navigate New Zealand's darkest days.</p> <p>She recalled the sinking feeling when she first heard of the attacks while at work, and how her husband's first instinct was to tell her to protect herself and everyone at the childcare centre.</p> <p>“I got a call from my husband and he told me he was in hospital and that I have a big responsibility to protect the children and the teachers and lock down, close the doors because he was afraid the shooter would also come to our place because we are a Muslim childcare centre,” she said.</p> <p>“More families who were distressed started coming to pick up their children, and some of them even had blood on their shirts, some of them witnessed the thing.</p> <p>“It was really an awful situation.”</p> <p>Not long after, she learned that her own son had also been injured, but at the time had no idea of the reality of it all.</p> <p>Aya Al-Umari lost her brother, Hussein, on the fateful day.</p> <p>“It happened so suddenly, I had no time to grieve,” she said.</p> <p>Hussein spent the last moments of his life protecting other people, and even though Aya misses his hugs more than anything, she takes comfort in knowing that her brother's legacy will live on.</p> <p>“He had the opportunity to escape, but he didn’t,” she said.</p> <p>“He was running towards the terrorist.</p> <p>“It really goes to show, especially in his last moments, he was always a giver.”</p> <p>Both Aya and Dr Salama both take comfort in the belief that their loved ones died as as a Shahid – a true martyr who died in the name of their faith in Islam.</p> <p>Dr Salama hopes that the findings from last year’s coronial inquest, expected to be handed down this year, will provide a sense of closure to the victims' families.</p> <p>She also hopes that people will use the fifth anniversary of the shootings to reflect on the work that is yet to be done and call for more action in fighting Islamophobia and extremism.</p> <p>“We can fight Islamophobia by challenging the biases and educating ourselves also and intervening against discrimination.</p> <p>“See something, say something.”</p> <p>Canterbury's Muslim community will also gather today to honour the victims with a commemoration service at Masjid Annur in the evening, according to<em> <a href="https://www.rnz.co.nz/news/national/511744/muslims-mark-5th-anniversary-of-christchurch-mosque-terror-attacks" target="_blank" rel="noopener">RNZ</a></em>.</p> <p>Brenton Tarrant, who was behind the terror attacks, was sentenced to life in jail without parole – the first person in New Zealand's history to receive the sentence because his actions were deemed "so wicked".</p> <p><em>Images: 7News</em></p> <p> </p>

Caring

Major claim in investigation into deadly house fire that killed five children

<p>The grandmother of five children who died alongside their father in a tragic house fire has spoken out, claiming her daughter had "begged" their landlord to fix the smoke alarms in the house.</p> <p>In August last year, Wayne Godinet, 34, died along with his four-year-old twins Kyza and Koa, his three-year-old son Nicky, and his stepsons Zack, 11, and Harry, 10, in a <a href="https://oversixty.com.au/news/news/6-beautiful-souls-family-break-silence-after-tragic-house-fire" target="_blank" rel="noopener">horrific blaze</a> in Queensland's Russell Island. </p> <p>Mr Godinet and his sons became trapped upstairs of the two storey home after he raced back into the house to save them, while the children's mother, Samantha Stephenson, 28, and her sister were able to escape the fire.</p> <p>On Wednesday, the owner of the rental property, 61-year-old Donna Rose Beadel, was charged by police over her alleged involvement in the tragedy.</p> <p>The family has spoken out in anger, with the grandmother of the five boys, Rebecca Stephenson, claiming that her daughter had spoken to the landlord about updating the smoke alarms in the property just one week before the fire. </p> <p>Ms Stephenson told the Courier Mail, “The week before it happened, Sam texted the landlady and asked for the smoke alarms to be updated.”</p> <p>She claims she knew of at least three times her daughter had asked for the smoke alarms to be fixed.</p> <p>“It was the first thing you noticed when you walked into the house, a smoke alarm hanging from the ceiling and then a marking of one in the kitchen that had been painted over,” she added.</p> <p>Police allege that Ms Beadel's property did not have compliant smoke alarms when the fire broke out, with police further alleging that she wasn’t present when the fire occurred.</p> <p><em>Image credits: Facebook</em></p>

Legal

Five tips for developing and managing your budget – even in tough economic times

<p><em><a href="https://theconversation.com/profiles/oluwabunmi-adejumo-1370664">Oluwabunmi Adejumo</a>, <a href="https://theconversation.com/institutions/obafemi-awolowo-university-2843">Obafemi Awolowo University</a></em></p> <p>There’s nothing quite like a new year to prompt us to take stock of our lives, our health, our goals – and our finances. Many people will start a new year by contemplating how best to budget, plan and save. This is always a good set of aims, but it’s especially important in the inflation-prone and unpredictable economies we’re seeing <a href="https://www.statista.com/statistics/268225/countries-with-the-highest-inflation-rate/">all over Africa and the world</a>.</p> <p>Budgeting is especially key. It is the most effective method to <a href="https://www.thebalancemoney.com/how-to-make-a-budget-1289587">monitor income and expenditure</a>. <a href="https://www.uslendingcompany.com/blog/key-differences-in-writing-a-household-budget-vs-a-personal-budget/">Personal budgets</a> can help you to monitor your resources in pursuit of larger financial goals. Budgeting also offers <a href="https://www.acrwebsite.org/volumes/v46/acr_vol46_2411998.pdf">more opportunities</a> to save money, reduce your debts and live a comfortable life. It can even <a href="https://prucomm.ac.uk/assets/uploads/blog/2013/04/Personal-Budgets-review-of-evidence_FINAL-REPORT.pdf">improve your mental health</a>.</p> <p>But where should you start? What questions do you need to answer in creating a budget? Here are some tips that I’ve learned – not just as an economist, but as a research cost analyst and someone who keeps a budget too.</p> <h2>1. Understand the broader economic conditions</h2> <p>It is imperative that individuals keep themselves aware and up-to-date on the realities of their country’s economic landscape. You don’t have to be a professional economist, but keep an eye on new developments like free business registration, small business development funds and printing of new money notes. What is the current exchange rate? What’s the political landscape and what international factors, like the price of crude oil, are at play? You should also watch the inflation rate and have a sense of unemployment trends.</p> <p>This economic awareness will prepare you to draft your own budget and you’ll have a sense of when external factors mean it’s time to revisit your plans.</p> <h2>2. Review your income sources</h2> <p>The ability to earn income is critical to sustaining livelihoods. Having a definite source of income is the bedrock of budgeting.</p> <p>Some important questions you should ask about your income – and how you might budget with it – include:</p> <ul> <li>What is my current income?</li> <li>What do I use my income for?</li> <li>Am I able to save, given my current income?</li> <li>What proportion of my income do I save and what proportion do I spend?</li> <li>Do I have the capacity to earn more than this?</li> <li>How can I improve my income?</li> </ul> <p>Your answers can help you to identify gaps or untapped potential. Those with irregular or unpredictable income should factor in the element of time-gap in their income, for effective budgeting. Time gap is when they are not earning income. And everyone should make allowance in their budgets for uncertainties like health issues, social engagements, inflation, unemployment, recession and price shocks.</p> <h2>3. Appraise your expenses</h2> <p>Expenses can be broadly categorised into “variable” and “fixed”.</p> <p>Fixed expenses recur within a short period: housing, food, transport, medical costs, electricity, utilities, toiletries and clothing. Variable expenses are more long-term and irregular, such as investment in property or interest-yielding assets, and the purchase of machinery.</p> <p>The main essence of revising our expenses is to analyse and possibly improve our spending habits. In reviewing our expenses, we can consider issues such as:</p> <ul> <li>What is the proportion of consumption-savings ratio from my income? This is how much do I spend compared to how much I save.</li> <li>What are my regular expenses?</li> <li>What are my fixed, capital or investment expenses?</li> <li>What are my extraordinary expenses that need modification?</li> <li>Have there been emergency or extraordinary expenses?</li> </ul> <p>A careful response to the issues raised above offers an occasion to re-evaluate the pattern and direction of our expenses. For instance, overspending, unplanned or extraordinary expenses can be identified. This can lead to an optimal, efficient reallocation of available resources.</p> <h2>4. Stabilise your finances through savings</h2> <p>Savings have been <a href="https://klinglercpa.com/bedrock-principles-for-saving-money/">described</a> as a financial stabiliser, given their potential to cater for urgent needs and create opportunities for investments.</p> <p>Of course, savings have more value when they grow faster than the rate of inflation. Inflation erodes the value of savings. For instance, an amount of 300,000 naira (US$676) saved to purchase an autorickshaw today may be impossible in two months’ time with an inflation rate of 10% when the tricycle price rises to 330,000 naira (US$744). The reverse is the case when there is deflation.</p> <p>Therefore, it is advisable to improve the value of savings through investments in interest-yielding assets such as stocks, shares, bonds, microfinance and production.</p> <p>That’s not to say it’s always easy to save. Many income earners spend as they go, not seeing savings as part of their budgets. Harsh economic realities can also make it difficult – sometimes seemingly impossible – to save. But it’s not impossible: savings can be made in small amounts, through a daily, weekly or monthly contribution to collections, cooperative schemes or microfinance affiliations. For instance, a point of sale business in Nigeria can permit a daily contribution of 500 naira (US$1.13) over 25 work days, giving an average saving of 12,500 naira (US$28.18) per month.</p> <p>The Point-of-Sale business started in Nigeria in 2013 when the Central Bank of Nigeria introduced the agent banking system. A POS agent operates and processes transactions through a POS service provider. Providers of such services include banks, microfinance banks and fintech companies.</p> <h2>5. Run a flexible budget</h2> <p>Once your budget is created, remember that it’s not set in stone. It should be flexible if anything changes in your life. For instance, an amount saved to buy a car can be invested in a promising venture buying shares through public offerings or private placements in multinational organisations like Nestle or Unilever.</p> <p>Also, health emergencies or career advancement programmes can require taking some money out of our savings.</p> <p>In all, budgeting should be flexible enough to incorporate exigencies, especially when catering for the current situation will culminate into a greater good.<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/195590/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /></p> <p><em><a href="https://theconversation.com/profiles/oluwabunmi-adejumo-1370664">Oluwabunmi Adejumo</a>, Lecturer/Researcher, <a href="https://theconversation.com/institutions/obafemi-awolowo-university-2843">Obafemi Awolowo University</a></em></p> <p><em>Image credits: Getty Images </em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/five-tips-for-developing-and-managing-your-budget-even-in-tough-economic-times-195590">original article</a>.</em></p>

Money & Banking

Downsizing cost trap awaits retirees – five reasons to be wary

<p><em><a href="https://theconversation.com/profiles/erika-altmann-361218">Erika Altmann</a>, <a href="https://theconversation.com/institutions/university-of-tasmania-888">University of Tasmania</a></em></p> <p>It’s time to debunk the myth of zero housing costs in retirement if we want to understand why retirees resist downsizing. Retirees have at least five reasons to be wary of the costs of downsizing.</p> <p>Retirees living in middle-ring suburbs face frequent calls to downsize into apartments to free up larger allotments in these suburbs for redevelopment. Retirees who fail to downsize into smaller units and apartments are viewed as being a greedy, baby-boomer elite, stealing financial security from younger generations.</p> <p>It also makes sense to policymakers for retirees to move into less spacious accommodation and make way for high-density housing. Housing think-tank AHURI <a href="http://www.ahuri.edu.au/__data/assets/pdf_file/0021/14079/AHURI_Final_Report_No_286_Australian-demographic-trends-and-implications-for-housing-assistance-programs.pdf">fosters this view</a>. Yet seniors remain resistant to moving, in part because of the ongoing costs they would face.</p> <p>The concept of zero housing costs in retirement is based on a 1940s view of a well-maintained, single dwelling on a single allotment of land where the mortgage has been paid off. This concept is incompatible with medium- and high-density housing and refusing to acknowledge ongoing housing costs may cause significant poverty for retirees.</p> <h2>Reason 1 – upfront moving costs are high</h2> <p>When a house is sold the owner receives the sale funds minus the real estate and legal fees. When the same person then buys a different property to live in, they pay legal fees plus stamp duty.</p> <p>For cities such as Melbourne and Sydney, these costs are likely to exceed A$70,000.</p> <p>These high transfer costs may mean it is not cost-effective <a href="https://theconversation.com/why-older-australians-dont-downsize-and-the-limits-to-what-the-government-can-do-about-it-76931">for the person to move</a>.</p> <h2>Reason 2 – levies are high</h2> <p>Because apartment owners pay body corporate levies, people often assume this is just the same as periodic payment of rates, water, insurance and other costs. It is not.</p> <p>Fees remissions for low-income retirees for rates, power, insurance and water are difficult to apply within a body corporate environment. As a consequence, these are usually not applied to owners of apartments.</p> <p>The costs of maintaining essential services, such as mandatory fire-alarm testing, yearly engineering certification, lift and air-conditioning inspections, significantly increase ownership costs.</p> <p>When additional services are supplied, such as swimming pools, gyms and rooftop gardens, these also require periodic inspections. Garbage collection, cleaning, gardening, concierge and strata management services also <a href="https://eprints.utas.edu.au/cgi/users/home?screen=EPrint%3A%3AView&eprintid=23322">must be paid</a>.</p> <p>Owners of standard suburban homes choose whether they want these services, with those on fixed incomes going without them.</p> <p>Annual levies for apartment buildings vary, but expect to pay between $10,000 and $15,000. They <a href="https://www.strata.community/understandingstrata/faqs">may be more than this</a>.</p> <h2>Reason 3 – costs of maintenance</h2> <figure class="align-right "><figcaption></figcaption></figure> <p>Apartments are often sold as a maintenance-free solution for older people. The maintenance is not free. It needs to be paid for.</p> <p>Maintenance costs are higher in an apartment than a standard suburban home because there are more items and services to be maintained and fixed. Lifts and air conditioning need periodic servicing and fixing. This is in addition to the mandatory inspections listed above.</p> <h2>Reason 4 – loss of financial security</h2> <p>It is a mistaken belief that the maintenance costs that form part of the body corporate fee include periodic property upgrades. This relates to items that are owned collectively with other apartment owners.</p> <p>Major servicing at the ten-year mark and usually each five-to-seven years after that include painting, floor-covering replacement, and lift and air-conditioning repair or replacement.</p> <p>Major upgrades may also include garden redesign or other external building enhancement including <a href="https://eprints.utas.edu.au/cgi/users/home?screen=EPrint%3A%3AView&eprintid=23315">environmental upgrades</a>. All owners share these upgrade costs.</p> <p>Costs of upgrading the inside of an apartment (a bathroom disability upgrade, for example) are additional again.</p> <p>Once the body corporate committee members pledge funds towards an upgrade, all owners are required to raise their share of the funds, whether they can afford it or not. Communal choice outweighs an individual owner’s need to delay upgrade costs.</p> <p>Owners who buy apartments that are part of a body corporate effectively lose control of their future financial decisions.</p> <h2>Reason 5 – loss of security of tenure</h2> <p>Loss of security of tenure is usually associated with renters. However, the recent introduction of <a href="http://www.lpi.nsw.gov.au/__data/assets/pdf_file/0009/25965/Termination_of_a_strata_scheme_by_RG.pdf">termination legislation</a> in New South Wales gives other owners the right to vote to terminate a strata title scheme. When this occurs, all owners, including reluctant owners of apartments within that scheme, are compelled to sell.</p> <p>There are valid reasons why termination legislation is desirable, as many older apartment complexes are reaching the end of their useful life.</p> <p>Even so, as termination legislation is rolled out across the states, owner- occupiers effectively lose control of how long they will own a property for. They no longer have security of tenure, which means retirees may face an uncertain housing future in their old age.</p> <h2>Downsizing raises poverty risks</h2> <p>Because current data sets do not adequately take account of ongoing costs associated with apartment living, the effect of downsizing on individual households is masked.</p> <p>Downsizing retirees into the apartment sector creates ongoing financial stress for older people. Creating <a href="https://theconversation.com/it-will-take-more-than-piecemeal-reforms-to-convince-older-australians-to-downsize-51043">tax incentives to move</a> does not tackle these ongoing costs.</p> <p>Centrelink payments for of <a href="https://www.humanservices.gov.au/customer/services/centrelink/age-pension">$404 per week</a> are well below <a href="http://acoss.wpengine.com/poverty-2/">the poverty line</a>. Yet we expect retirees to willingly downsize and to be able to cede most of their Centrelink payments to cover high body corporate costs.</p> <p>Requiring retirees to downsize for the greater urban good will shift poverty onto retirees who could barely manage in their previously owned standard suburban home.</p> <p>Failing to understand the effect of high ongoing costs associated with apartment living and reinforcing the myth of zero housing costs in retirement will continue to lead to poor policy outcomes.<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/80895/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /></p> <p><a href="https://theconversation.com/profiles/erika-altmann-361218"><em>Erika Altmann</em></a><em>, Property and Housing Management Researcher, <a href="https://theconversation.com/institutions/university-of-tasmania-888">University of Tasmania</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/downsizing-cost-trap-awaits-retirees-five-reasons-to-be-wary-80895">original article</a>.</em></p>

Retirement Income

“There were bodies everywhere”: Five people dead in horror pub crash

<p dir="ltr">Disturbing details have emerged from a horror crash where five people have died after a BMW crashed into a beer garden at a pub in regional Victoria. </p> <p dir="ltr">On Sunday evening in Daylesford, north of Melbourne, families were enjoying the last of the weekend at the Royal Hotel when a BMW X5 crashed into the busy venue. </p> <p dir="ltr">The pub was filled with hundreds of patrons in the hours before the crash due to the unofficial long weekend before Tuesday’s Melbourne Cup public holiday in Victoria. </p> <p dir="ltr">Superintendent John Fitzpatrick confirmed on Sunday night about 11pm four people had died at the scene: two men and a woman and a six-year-old boy, while a fifth person, a teenage girl, later died in hospital. </p> <p dir="ltr">Four others were injured, while a boy is fighting for his life in hospital. </p> <p dir="ltr">“I haven’t seen anything this drastic for a long time,” he said.</p> <p dir="ltr">“Any time you have five people die at a particular scene, it’s horrible.”</p> <p dir="ltr">“There are families that have got loved ones that are no longer going to be around.”</p> <p dir="ltr">“We don’t like to see anyone lose their life but to see a child – you don’t ever want to see anything like that.”</p> <p dir="ltr">The driver of the BMW, a 66-year-old man, was taken to hospital with non-life-threatening injuries.</p> <p dir="ltr">"The exact circumstances surrounding the collision are yet to be determined and investigations remain ongoing," Superintendent Fitzpatrick said.</p> <p dir="ltr">“We are waiting to speak to him… It’s a very complex scene.”</p> <p dir="ltr">A woman who was working at the business next door to the pub witnessed the horrific moment, recalling how she and her staff saw bodies lying on the pavement. </p> <p dir="ltr">“We’re all pretty shocked,” she said.</p> <p dir="ltr">“It’s pretty bad, I’ve never seen anything so traumatic in my life.”</p> <p dir="ltr">“There were bodies everywhere, it was horrifying,” she said.</p> <p dir="ltr">“I watched the whole crash. The car went up into the sky. I thought it was just dust. It’s only now I know it was bodies.”</p> <p dir="ltr">Infrastructure Minister Catherine King, whose electorate Ballarat includes Daylesford, said the community was “devastated” by the incident. </p> <p dir="ltr">“Five people have lost their lives, and their families’ lives have changed forever. </p> <p dir="ltr">“It will really have shocked a lot of people, and I think we’re really only just coming to terms with what happened today.”</p> <p dir="ltr">“These sort of terrible accidents, the sort of level of trauma goes on for a long period of time, and people will need a lot of support and care, and the police obviously will need to undertake a significant investigation into what’s happened.”</p> <p dir="ltr"><em>Image credits: Nine News</em></p>

News

Dave Hughes sets the record straight over famous Block house purchase

<p>Dave Hughes has hit back at long-standing rumours that he grossly overpaid for his house in Melbourne at <em>The Block</em> auctions. </p> <p>The radio host addressed the speculation on <em>2DAY FM’s Hughesy, Ed & Erin</em> breakfast show, as his co-host Erin Molan queried him about how the investment property was performing. </p> <p>In 2017, Hughesy bought the five-bedroom home in Elsternwick, built by contestants Josh and Elyse on Nine’s long-running reno show, for $3.067 million: a whopping $447,000 over the reserve. </p> <p>Given the steep increase of the price, the purchase of the house led to a lot of talk that Dave Hughes had overspent. </p> <p>Molan told her co-host on-air that a recent value estimate of the property that she’d found online put the home at $3.4 million.</p> <p>Six years on from his purchase and with inflation, stamp duty and other factors weighted, Hughes noted that that $300,000-odd increase in value would actually put him at a loss.</p> <p>However, Hughes said he had recently had the house valued himself, and the news was much better: He was told it is currently worth around $5 million.</p> <p>After the purchase of the house, even Hughes himself conceded that he may have spent much more than what the house was worth. </p> <p>In an interview with <em>Stellar</em> magazine in February 2018, he said that the bank had valued the property at “much less” than he paid.</p> <p>“I went to get a bank loan the other day and they haven’t valued it the same as I paid for it, which is fine, but annoying because there were five bidders,” he said.</p> <p>He said it was “enough less that it made me annoyed”.</p> <p>“For f**k’s sake … I just think it’s good value and in a few years’ time people are going to be going, ‘Well, f**k, didn’t he do well with it!’ I am playing the long game, all right? That is what I say to my wife, anyway.”</p> <p>In September of 2018, he told his then-co-host Kate Langbroek that he’d “copped so much flak” over the purchase.</p> <p>He said, “It was ridiculous and it’s gone on and on and on. A lot of experts weighed into my purchase … There are articles that have been written all year having a go at me. One article from one mob called Property One or something, they had a dinner party discussion about how I paid too much.”</p> <p><em>Image credits: Nine</em></p>

Money & Banking

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

<p><em><a href="https://theconversation.com/profiles/fredrick-kibon-changwony-234363">Fredrick Kibon Changwony</a>, <a href="https://theconversation.com/institutions/university-of-stirling-1697">University of Stirling</a></em></p> <p>With the Bank of England base rate <a href="https://theconversation.com/how-the-bank-of-englands-interest-rate-hikes-are-filtering-through-to-your-finances-210344">currently the highest</a> it has been since early 2008, you may have a valuable opportunity to increase your earnings on pensions, investments and savings accounts. After all, when the central bank raises its main rate – the base rate, which is typically used as a benchmark for loans as well as savings accounts – it is trying to encourage people to spend less and save more.</p> <p>But UK banks and building societies have <a href="https://www.independent.co.uk/money/martin-lewis-savings-rates-mortgage-crisis-b2362955.html">recently been accused</a> of letting their savings rates lag the recent rapid rise in the base rate. UK regulator the Financial Conduct Authority has urged these financial firms to offer “<a href="https://www.fca.org.uk/news/press-releases/action-plan-cash-savings">fair and competitive</a>” savings rates in response to the increasing interest rates.</p> <p>Many financial institutions do offer accounts with <a href="https://www.theguardian.com/money/2023/jul/15/uk-savings-accounts-interest-nsi-building-societies-banks-deals">rates of 6% or more</a>. This is good news for avid savers – but only if you keep an eye on the market so you can switch from less competitive products. This is why it’s important to establish a regular savings habit, but many people are unsure about what that should involve.</p> <p>My colleagues and I have studied the <a href="https://dspace.stir.ac.uk/handle/1893/32240">correlation between people’s savings goals</a> (if they have any) and how they invest their money. We also looked at how seeking financial information advice, and being “good with numbers”, both influence this correlation.</p> <p>We analysed data from more than 40,000 individuals in 21,000 UK households from five waves of the Office for National Statistics Wealth and Assets Survey (WAS), conducted between 2006 and 2016. This data captures comprehensive economic wellbeing information and attitudes to financial planning.</p> <p>Our research shows the importance to your finances of setting multiple savings goals, keeping up with financial news, and seeking professional advice. Based on this, here are five research-based ways to make the most of your money.</p> <h2>1. Set specific savings goals</h2> <p>Establishing personal savings goals is one of the first steps most financial institutions and advisers will recommend to their customers, because it’s a good idea to <a href="https://www.investopedia.com/terms/c/compoundinterest.asp">save regularly</a>. Plus, our study shows that total financial assets increase in line with the number of savings goals you have, and that setting specific, rather than vague, goals leads to higher performance.</p> <p>Specific savings goals should have an end date, target figure, and even a meaningful name – for example, “£1,000 for 2024 trip to Asia” or “£250 for 2023 Christmas present fund”. This will create tangible reference points that encourage self-control and increase the pain you feel if you fail to meet your goal.</p> <h2>2. Seek professional financial advice</h2> <p>Rather than relying on friends, family and social media for financial advice, speak to an expert.</p> <p>Our research shows households that access professional financial advice were more likely to allocate a higher share of their wealth to stock portfolios than those that rely on friends, family and social media for financial advice. This result was consistent even across different wealth and income levels, with lower earners possibly using products like ISAs to make investments in stocks and shares. Other <a href="https://academic.oup.com/qje/article/134/3/1225/5435538">research shows</a> stock portfolios outperform most other types of investment in the long term.</p> <p>We also found that access to professional financial advice can substitute for setting goals, because your adviser should help you to determine the kinds of products to invest in (which is called asset allocation) for specific timelines and aims.</p> <h2>3. Brush up on your maths</h2> <p><a href="https://doi.org/10.1111/j.1475-5890.2007.00052.x">Several studies</a> show numerical skills affect how households gather and process information, <a href="https://psycnet.apa.org/doi/10.1037/a0013114">set goals</a>, perceive risks, and <a href="https://heinonline.org/HOL/P?h=hein.journals/fedred89&i=791">decide to invest</a> in various financial assets. So, by brushing up on your basic numeracy and financial literacy skills – even with free online videos – you could boost your savings for the long term.</p> <p>Our study shows that individuals with high confidence in their numerical skills tend to have better financial planning habits – such as investing more in stocks and bonds than cash, which carries more risk but also the potential for greater returns. This trend is particularly evident among households with no savings goals, suggesting that numerical ability could compensate for failing to set such goals.</p> <h2>4. Adopt appropriate savings strategies</h2> <p>Diversified stock market portfolios generally outperform bonds and cash savings <a href="https://doi.org/10.1093/qje/qjz012">over longer periods</a>. However, stock markets can be volatile, so putting savings into less risky assets like bonds and cash is wise for savings goals of less than five years.</p> <p>In the longer term, investing across different global stock markets for more than five years can help counteract inflation. And you can access low-cost, diversified investment portfolios via financial products based on indices of stocks or other assets, such as exchange traded funds.</p> <h2>5. Set, monitor and adjust your plan</h2> <p>Free financial planning and budgeting apps can help you save money by tracking your spending and savings goals, and encouraging you to adhere to a budget.</p> <p>Most importantly, once you set savings goals and create a budget, don’t forget about them. Check regularly to see how your savings are building up and to monitor for any spending changes. A growing array of fintech tools can prompt and encourage this kind of long-term planning.</p> <p>Keeping an eye on savings rates is also important. As banks change rates or create new accounts, consider switching to get a better deal if you can do so without falling foul of account closure fees.</p> <p>It’s important to make sure your savings are working for you at any time, but its crucial in the current economy, when finances are tight but interest rates are rising.<img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/208853/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /></p> <p><em><a href="https://theconversation.com/profiles/fredrick-kibon-changwony-234363">Fredrick Kibon Changwony</a>, Lecturer in Accounting & Finance, <a href="https://theconversation.com/institutions/university-of-stirling-1697">University of Stirling</a></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/five-ways-to-take-advantage-of-rising-interest-rates-to-boost-your-savings-208853">original article</a>.</em></p>

Money & Banking

"She had the biggest heart": Mum's tribute to five-year-old killed in a car crash

<p>A heartbroken mother has paid tribute to her five-year-old daughter, who was killed in a horrific three car collision in Victoria's north.</p> <p>Savannah Kemp's mother Bryana remembered her daughter as a “precious” and “sassy” little girl who “had the biggest heart”.</p> <p>Savannah leaves behind three brothers - Layton, Cayden and Ryley, as well as her devastated mother.</p> <p>Bryana said in a statement that Savannah was due to start kindergarten at Guthrie Street Primary School with her three older brothers in 2024.</p> <p>"She has been wearing her school uniform around the house for weeks because she was so excited to go to school," she said. "She went to her first orientation a week or so back and even had to wear it."</p> <p>“Savannah was the most precious, sassy little girl. She had the biggest heart which was always full of laughter. She never walked anywhere, she danced or skipped. She was so brave and fearless, learnt it from her brothers. Nothing bothered her."</p> <p>Bryana went on to say that her daughter was destined to be a “fearless ballerina or soccer player” and that her three brothers were training her in their backyard so that she could become just that.</p> <p>“I would always make jokes that she would dance the ball into the goals and that’s exactly what she did with them,” she said.</p> <p>“For a term she has been doing acrobatics at Ucandance and she was learning cartwheels and the splits. She got very good at it in a few short weeks.”</p> <p>Savannah was “destined for great things”, Bryana said.</p> <p>“My sweet little baby, if (you) had the chance (you) would have ruled this world.”</p> <p>A <a href="https://www.gofundme.com/f/in-the-name-of-savannah" target="_blank" rel="noopener">GoFundMe</a> page has been set up for the family to cover Savannah's funeral costs and any other financial difficulties the family may face, and has already raised over $36,000.</p> <p>Several other people were seriously injured in the crash, including a 32-year-old pregnant woman, whose unborn baby later died.</p> <p>The driver of the car Savannah was a passenger in, a 26-year-old Shepparton woman, was also taken to hospital with serious injuries.</p> <p>Another driver, a 33-year-old Shepparton man, and his passenger, a 22-year-old Katandra West man, were taken to hospital for minor injuries.</p> <p>A Victoria Police spokesperson said that officers are still working to establish the exact circumstances surrounding the collision.</p> <p><em>Image credits: GoFundMe</em></p>

Caring

Hugh Jackman's first outing with his famous friends after bombshell split

<p>Hugh Jackman has been spotted rubbing shoulders with his famous friends in his first public outing since announcing his divorce. </p> <p>The actor was joined by Hollywood A-listers Ryan Reynolds, Blake Lively, Sophie Turner, Taylor Swift and many more famous mates at an NFL game in New York. </p> <p>The celebrity group showed up at the game in support of their friend Taylor Swift, who was barracking on for her rumoured new boyfriend, NFL player Travis Kelce. </p> <p>Jackman snapped a series of selfies with his pals, sporting a beaming smile. </p> <blockquote class="twitter-tweet"> <p dir="ltr" lang="en">Shawn Levy shares new photo with Taylor Swift, Hugh Jackman, Ryan Reynolds and Blake Lively. <a href="https://t.co/8XkYlm1Uqj">pic.twitter.com/8XkYlm1Uqj</a></p> <p>— Pop Base (@PopBase) <a href="https://twitter.com/PopBase/status/1708928938448232854?ref_src=twsrc%5Etfw">October 2, 2023</a></p></blockquote> <blockquote class="twitter-tweet"> <p dir="ltr" lang="en">Hugh Jackman, Ryan Reynolds and Shawn Levy tonight at New York Jets football game 📸 <a href="https://t.co/d5T55C4BpH">pic.twitter.com/d5T55C4BpH</a></p> <p>— Deadpool Updates (@DeadpoolUpdate) <a href="https://twitter.com/DeadpoolUpdate/status/1708636773629182395?ref_src=twsrc%5Etfw">October 2, 2023</a></p></blockquote> <blockquote class="twitter-tweet"> <p dir="ltr" lang="en">📷| <a href="https://twitter.com/taylorswift13?ref_src=twsrc%5Etfw">@TaylorSwift13</a> with Blake Lively, Ryan Reynolds and Hugh Jackman <a href="https://t.co/7X6DND2VQV">pic.twitter.com/7X6DND2VQV</a></p> <p>— The Swift Society (@TheSwiftSociety) <a href="https://twitter.com/TheSwiftSociety/status/1708816628471812467?ref_src=twsrc%5Etfw">October 2, 2023</a></p></blockquote> <p>Despite Hugh's happy smile when posing for cameras, while being snapped in candid moments, fans were quick to point out that he seemed downcast while watching the game. </p> <p>“Poor Hugh looks miserable,” one person wrote on X, formerly known as Twitter.</p> <p>“Hugh doesn’t seem himself,” said another.</p> <p>“I’m glad Hugh Jackman is out and supported by friends, poor thing,” a third wrote.</p> <p>One person wrote light-heartedly, “Hugh Jackman in his single era let’s gooooooo.”</p> <p>Jackman's public outing comes just weeks after announcing he and his wife Deborra-Lee Furness are getting a divorce. </p> <p>The Hollywood couple <a href="https://oversixty.com.au/lifestyle/relationships/hugh-jackman-devastated-after-marriage-split" target="_blank" rel="noopener">shocked the world</a> on September 15th when they released a statement confirming their separation after being married for 27 years.</p> <p>“We have been blessed to share almost three decades together as husband and wife in a wonderful, loving marriage,” Jackman and Furness told <em><a href="https://people.com/hugh-jackman-and-deborra-lee-jackman-separate-exclusive-7970286" target="_blank" rel="noopener" data-link-type="article-inline">People</a></em>.</p> <p>“Our journey now is shifting and we have decided to separate to pursue our individual growth."</p> <p><em>Image credits: Getty Images / Instagram</em></p>

Beauty & Style

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

<p><em><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></em></p> <p>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.</p> <p>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.</p> <p>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.</p> <h2>1. Gather information from experts</h2> <p>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>.</p> <p>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.</p> <p>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?</p> <p>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?</p> <h2>2. Setting your decisions in stone</h2> <p>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.</p> <p>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.</p> <p>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.</p> <h2>3. Update when your situation changes</h2> <p>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.</p> <h2>4. Make sure it gets found</h2> <p>Inform your family, doctors and lawyers what your advance directives are <em>and</em> 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.</p> <h2>5. Don’t forget your online life</h2> <p>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.</p> <p>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" /></p> <p><em><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></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/five-things-to-do-before-you-die-because-planning-your-eventual-demise-takes-preparation-122296">original article</a>.</em></p>

Legal

Why you should throw out five things every Monday

<p><strong>Throw out five things </strong></p> <p>Organising your entire house in one fell swoop might be overwhelming, but vowing to toss or put away just five objects will seem much more doable. Once you look for expired foods, old receipts, junk mail, dirty socks, and other useless items, it won’t take long to gather all five and be well on your way to a de-cluttered home.</p> <p><strong>Do a once-over</strong></p> <p>The biggest thing you could do every week is to quickly take an assessment on the inside and outside of your house and determine what you need to add to your schedule. Do you notice any scuffed paint? Unruly hedges? Once you know what projects you’ll need to tackle, plan out which ones you’ll realistically have time for this week. Deciding ahead of time will make you less overwhelmed when chore time rolls around.</p> <p><strong>Clean your exhaust hood vent </strong></p> <p>Most homeowners are already good about wiping down their stovetop on at least a weekly basis, but don’t stop there. Remove the overhead vent and give it a rinse to remove the grease and food residue build-up. Not only can it prevent fire, your food might taste better, too.</p> <p><strong>Clear out your "drop zone"</strong></p> <p>Most homes have one or more areas where clutter builds up, whether it’s mail collecting on the kitchen table or a pile of clothes heaped on a bedroom chair. While it’s better to contain the clutter than to let it spill all over the house, that build-up can get overwhelming.</p> <p>To keep clutter to a minimum, take a moment each week to ‘sweep’ surfaces in at least one room. Take a trip around the room and remove easy-to-grab clutter from tabletops and shelves. Once the objects are out of the way, wipe down to keep those areas clean and tidy.</p> <p><strong>Vacuum</strong></p> <p>Of course, you know you need to vacuum when you start seeing pet dander and dirt building up, but that’s not the only reason you should clean your floors. Not only are you moving dust and dirt from the floors, but you’re protecting your filters. If you aren’t changing your heating, ventilation, and air conditioning filters or vacuuming the floors frequently enough, pet hair and other particles can build up and take a toll on the system.</p> <p><strong>Water your plants</strong></p> <p>A dried-up houseplant is a sorry sight. By committing one day a week to checking your plants, even homeowners without a green thumb can keep houseplants healthy. See if your plants are thirsty, and pick up any fallen leaves from the soil.</p> <p><strong>Mow the lawn</strong></p> <p>You’re able to put it off in the winter, but pulling out the lawnmower every week in the warmer months will keep your yard from getting unruly. Plus, it’s better for your equipment. The long grass could get caught in the blades, making the task more difficult than it would have been if you kept up with maintenance.</p> <p><strong>Change your bath towels </strong></p> <p>Even if you don’t have time to scrub your bathtub, sink, toilet, and floor every week, make sure you at least tackle the dirty towels. Replace any dirty towels with new ones, and make sure the clean ones are folded or hung nicely in place.</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/why-you-should-throw-out-five-things-every-monday" target="_blank" rel="noopener">Reader's Digest</a>. </em></p>

Home & Garden

Buxton crash driver pleads guilty over five teen deaths

<p>Tyrell Edwards, 19, has pleaded guilty to five counts of aggravated driving occasioning death, following a fatal crash which killed five teens south of Sydney <a href="https://www.oversixty.com.au/health/caring/new-details-emerge-as-driver-charged-in-tragic-buxton-crash" target="_blank" rel="noopener">last year</a>. </p> <p>The teen arrived at Picton Local Court on Thursday surrounded by family members who shielded his face from cameras using an umbrella. </p> <p>As he sat in the dock at the packed court, the magistrate read out the five charges he faced over the horror crash, where he was driving 45km/h over the speed limit. </p> <p>"Guilty, your honour," Edwards would repeat as each count was read out to him. </p> <p>Edwards, who was a P-plater at the time of the accident, crashed into a tree killing three boys and two girls between the ages of 14 and 16, while he suffered non-life-threatening injuries.</p> <p>Summer Williams, Antonio Desisto, Gabriella McLennan, Lily Van de Putte, and Tyrese Bechard were all pronounced dead at the scene. </p> <p>The court was told that the car only had seatbelts for four passengers in addition to the driver. </p> <p>His lawyers argued that he should remain on bail until his next court date on the 24th of August, so that he can receive treatment for mental health issues including PTSD and an autism spectrum disorder diagnosis. </p> <p>But the Magistrate denied the plea, as they believed it wasn't a good enough excuse for Edwards to remain at liberty until then. </p> <p>"I'm also of the view that if it is necessary to take place then it can take place while the offender is in custody," Magistrate David Degnan said. </p> <p>"Accordingly his bail is revoked, and you will remain in custody, Edwards."</p> <p>The Magistrate also acknowledged family and friends of the five victims, who were present in court to hear the charges, before describing the tragedy as a "particularly egregious" example of dangerous driving. </p> <p>"And the impact was at speed and had a devastating effect," he said. </p> <p>Edwards faces a maximum of 14 years in prison for each of the charges. </p> <p><em>Image: Facebook/ Nine News</em></p>

Legal

Billionaire throws star-studded party for most famous names on the planet

<p dir="ltr">The most famous names on the planet have all gathered for an exclusive party with billionaire Michael Rubin to celebrate the American independence day weekend. </p> <p dir="ltr">Congregating at a luxurious mansion in the Hamptons, the businessman and philanthropist hosted his annual white party, sharing a highlights reel of the star-studded day on Twitter. </p> <p dir="ltr">Among the famous faces were Leo DiCaprio, Jennifer Lopez and Ben Affleck, Beyonce and Jay-Z, Tom Brady, Kevin Hart and a plethora of Kardashians. </p> <p dir="ltr">The 350 A-listers in attendance were treated to musical performances by Usher and Ne-Yo, and $700 bottles of champagne and tequila as they partied from the 5pm kick-off all the way through until 4am.</p> <blockquote class="twitter-tweet"> <p dir="ltr" lang="en">A literal movie - white party 2023 recap <a href="https://t.co/1D3vlpCNBq">pic.twitter.com/1D3vlpCNBq</a></p> <p>— Michael Rubin (@michaelrubin) <a href="https://twitter.com/michaelrubin/status/1676363041288462338?ref_src=twsrc%5Etfw">July 4, 2023</a></p></blockquote> <p dir="ltr">The famous guests were spotted pulling up in style in their parade of expensive cars and helicopters, and being escorted into the party by armies of valets and security guards.</p> <p dir="ltr">Among them was Affleck and Lopez, who brought along the actor’s 17-year-old daughter, Violet, whom he shares with ex-wife Jennifer Garner.</p> <p dir="ltr">Kevin Hart and his wife, Eniko Parrish, were spotted among the many celebrity couples drinking and dancing the night away, along with Justin Bieber and his model wife, Hailey.</p> <p dir="ltr">Rubin, 49, and his girlfriend, Camille Fishel, 32, hosted the star-studded event, sparing no expense when it came to looking after their guests, as they do each year. </p> <p dir="ltr">Rubin has an estimated fortune of more than $16 billion, making him one of the richest men in America.</p> <p dir="ltr"><em>Image credits: Twitter</em></p>

Beauty & Style

World famous chefs in the running to replace Jock Zonfrillo

<p>Channel Ten is on the hunt for a new judge to join the <em>MasterChef Australia</em> team, two months after the shocking death of Jock Zonfrillo. </p> <p>Several world-famous chefs are set to be in the running to join Melissa Leong and Andy Allen, with many prospects appearing on the show as guests before. </p> <p>"International names such as Jamie Oliver, Nigella Lawson and Shannon Bennett have all been thrown around," an insider told <em>Woman's Day</em>.</p> <p>Despite the hopes for these chefs to join the cast, the insider said their intense schedules has made booking them for the competitive cooking show "a pipe dream".</p> <p>The network is also reported to be considering bringing back "heritage" names to the show, such as original judges George Calombaris and Gary Mehigan, to attract older viewers.</p> <p>Despite the discussions of Zonfrillo's replacement, rumours have also circulated that Leong and Allen may continue on as co-hosts of the show without a third colleague. </p> <p>The <em>Herald Sun</em> reported that the cooking duo may instead go into the next season alongside a rotating roster of guest judges. </p> <p>Meanwhile, others have suggested Melissa, 41, and Andy, 35, may be planning to quit <em>MasterChef</em> as they continue to grapple with the tragic death of their co-star.</p> <p>Some fans are convinced the entire hosting panel may be replaced altogether, after Channel Ten refused to confirm Jock's replacement in the recent casting call.</p> <p>The popular cooking show was thrown into disarray after Jock Zonfrillo's devastating death on April 30th, the day the newest season of <em>MasterChef</em> was due to air, with the premiere of the show being delayed a week after his passing. </p> <p><em>Image credits: Instagram</em></p>

Food & Wine

John Legend welcomes new baby only FIVE MONTHS after last one

<p dir="ltr">Chrissy Teigan and John Legend have announced the birth of their fourth baby, a son named Wren Alexander Stevens, who was born via a surrogate.</p> <p dir="ltr">The couple shocked fans with the surprise announcement since their third baby, a daughter named Esti, was born just five months before Wren.</p> <p dir="ltr">John posted a sweet family pic with the caption: “Wren Alexander Stephens, our new love.”</p> <p dir="ltr">The newborn’s middle name was inspired by his surrogate mum, Alexandra.</p> <blockquote class="instagram-media" style="background: #FFF; border: 0; border-radius: 3px; box-shadow: 0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width: 540px; min-width: 326px; padding: 0; width: calc(100% - 2px);" data-instgrm-captioned="" data-instgrm-permalink="https://www.instagram.com/p/CuCuPVqpuMB/?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/CuCuPVqpuMB/?utm_source=ig_embed&utm_campaign=loading" target="_blank" rel="noopener">A post shared by John Legend (@johnlegend)</a></p> </div> </blockquote> <p dir="ltr">Chrissy also posted a lengthy Instagram update on their surrogacy process, and also mentioned her late son Jack.</p> <p dir="ltr">“For as long as I can remember, I've always wanted four children,” she began the post sharing that the desire has started from the time she was a little girl and would play pretend.</p> <p dir="ltr">“After losing Jack, I didn't think I'd be able to carry any more babies on my own.</p> <p dir="ltr">“To be honest, I've personally blocked out a lot of my mindset during that time, but one clear memory is being surrounded by people who wanted to make sure I wouldn't go through that pain and loss again,” she added about her late son Jack.</p> <p dir="ltr">Chrissy then proceeded to explain that she and John mutually agreed to give IVF another go, in hopes of making her dream of having four kids come true.</p> <p dir="ltr">“In 2021, we reached out to a surrogacy agency, with our first correspondence inquiring about perhaps having 2 tandem surrogates, to each bring us a healthy baby boy or girl.”</p> <p dir="ltr">“And so we restarted the IVF process, the same process that gave us our beautiful Luna and Miles. We made new embryos. We did my transfer, and were so happy to learn it worked - we were pregnant with our little girl, Esti.”</p> <p dir="ltr">She added that their IVF success coincided with the time they met Wren’s surrogate mum and shared the appreciation she had for Alexandra.</p> <p dir="ltr">“The first embryo we tried with Alex didn't survive, and I will never forget how hard she fought to get ready for a second transfer. How much she gave up of her own body - surgeries to get scar tissue cleared, the mental toll it takes to go through all of that for yourself, much less for other people,” she wrote.</p> <p dir="ltr">And overtime, their patience paid off: “As we crept toward the safe zone of my own pregnancy, we were overjoyed to learn Alexandra had become pregnant with a little boy. Our little boy.”</p> <blockquote class="instagram-media" style="background: #FFF; border: 0; border-radius: 3px; box-shadow: 0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width: 540px; min-width: 326px; padding: 0; width: calc(100% - 2px);" data-instgrm-captioned="" data-instgrm-permalink="https://www.instagram.com/p/CuCsL8bJ0pd/?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/CuCsL8bJ0pd/?utm_source=ig_embed&utm_campaign=loading" target="_blank" rel="noopener">A post shared by chrissy teigen (@chrissyteigen)</a></p> </div> </blockquote> <p dir="ltr">Chrissy shared how overjoyed she was pregnant with her “best friend” and how grateful she was.</p> <p dir="ltr">“We want to say thank you for this incredible gift you have given us, Alexandra.</p> <p dir="ltr">“And we are so happy to tell the world he is here, with a name forever connected to you, Wren Alexander Stephens. Our hearts, and our home, are officially full. And to our Jack, we know both their angel kisses are from you,” she ended the post.</p> <p dir="ltr">The happy news comes almost two years after the celebrity couple lost their son Jack 20 weeks into Chrissy’s pregnancy.</p> <p><em>Images: Instagram</em></p>

Family & Pets

Tourist busted for carving name into world's most famous Roman relic

<p dir="ltr">An Irish tourist has run himself headfirst into trouble in Rome after he was reportedly caught carving his name - and his girlfriend’s - into the Colosseum. </p> <p dir="ltr">It is said that he had been making his carvings, which were six-centimetre-tall initials, with a metal point - possibly his keys - and gouged into a pillar of the 2000-year-old historic monument.</p> <p dir="ltr">The inscription, dedicated to himself and his partner, reportedly read “Ivan+Haley 23”.</p> <p dir="ltr">The Carabinieri police have claimed that the 32-year-old man was caught by private security at the World Heritage Site, and that social media videos of the incident alerted police to the alleged crime. </p> <p dir="ltr">The man has been accused of damaging the historical landmark, the Carabinieri confirmed to <em>CNN</em>, with the act considered to be a crime under Italian law. </p> <p dir="ltr">The Colosseum is one of the seven wonders of the modern world, and also a World Heritage Site, and Italy’s Minister of Culture has called for the tourist to be “identified and sanctioned”.</p> <p dir="ltr">“I consider it very serious, unworthy and a sign of great incivility that a tourist defaces one of the most famous places in the world, the Colosseum, to engrave the name of his fiancée,” he tweeted, along with footage of the incident. “I hope that whoever did this will be identified and sanctioned according to our laws.”</p> <p dir="ltr">He later uploaded another video, accompanied by the scathing caption “Tourist scars the Colosseum.” </p> <blockquote class="twitter-tweet"> <p dir="ltr" lang="it">Reputo gravissimo, indegno e segno di grande inciviltà, che un turista sfregi uno dei luoghi più celebri al mondo, il Colosseo, per incidere il nome della sua fidanzata. Spero che chi ha compiuto questo gesto venga individuato e sanzionato secondo le nostre leggi. <a href="https://t.co/p8Jss1GWuY">pic.twitter.com/p8Jss1GWuY</a></p> <p>— Gennaro Sangiuliano (@g_sangiuliano) <a href="https://twitter.com/g_sangiuliano/status/1673318742057525248?ref_src=twsrc%5Etfw">June 26, 2023</a></p></blockquote> <p dir="ltr">If the man is convicted, he faces a penalty of at least €2,065 (~$3,370.7) and up to one year in prison, according to <em>CNN</em>. </p> <p dir="ltr">And it isn’t the first time the Colosseum has been defaced by those seeking to carve out their place in history, with a Russian tourist facing a fine of €20,000 for carving the letter “K”. </p> <p dir="ltr">It’s a serious offence in the hearts of many, with archaeologist Federica Rinaldi - who is responsible for the ancient amphitheatre - telling the publication that “the Colosseum, like any monument that represents the history of all of us, must be preserved and handed over to future generations.”</p> <p dir="ltr">“It is a monument that deserves everyone’s respect because it belongs to everyone, and it must remain so,” Rinaldi added.</p> <p dir="ltr">“Carving one’s initials, in addition to being a crime, seems to be a gesture of those who want to appropriate the monument. Better take a selfie!”</p> <p dir="ltr"><em>Images: Twitter</em></p>

Legal

“Where’s Andy Murray?” Famous family fires up over Wimbledon faux pas

<p>The family of Andy Murray are up in arms after the tennis champion was left out of a promotional artwork ahead of the annual Wimbledon competition. </p> <p>On Tuesday, the All England Club unveiled the promotional image to their social media accounts, which shows 15 past tennis champions, past and present, walking down the stairs of the main building at Wimbledon. </p> <p>At the forefront of the image are members of the “next generation of headline acts” Spaniard world No. 2 Carlos Alcaraz and Italian Jannik Sinner, surrounded by sporting legends such as Roger Federer, Rafa Nadal, Novak Djokovic, Martina Navratilova, Chris Evert, John McEnroe, Bjorn Borg, Boris Becker, Stefan Edberg and the Williams sisters Serena and Venus.</p> <p>Despite the image being filled with famous tennis faces, there is no image of Andy Murray, a two-time Wimbledon champion, whose famous victory in July 2013 ended 77 years of waiting for a homegrown British male singles winner.</p> <p>Andy's family and fans reacted with outrage that Murray, who was officially knighted in May 2019, was left out of the composition.</p> <p>Murray’s uncle Niall Erskine tweeted, “Appalling at every level, all about the men in the forefront and your own British history-maker nowhere to be seen. You should be ashamed of yourselves.”</p> <p>Elder brother Jamie – who has won two Wimbledon mixed doubles titles – asked, “Where’s Andy Murray?”</p> <p>LA-based freelance illustrator Grant Gruenhaupt responded to the criticism by saying, “Worry not Jamie, there are more paintings on the way.”</p> <p>He added, “Back with Wimbledon on another fun series celebrating historic moments and players!"</p> <p>“This one featuring the greatest rivalries of the past and present as they make the historic walk through the clubhouse and onto Centre Court."</p> <p>“A lot of nuance in this one. Definitely one of the more challenging scenes I’ve had to tackle.”</p> <p><em>Image credits: All England Club / Getty Images</em></p>

Family & Pets

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

<p dir="ltr"><em>The Morning Show</em> host Larry Emdur has been making a name for himself in the world of game show TV for a few years hosting<em> The Chase Australia</em>, but despite his success, he’s still had his sights set on one more goal: making an appearance on the<em> Have You Been Paying Attention?</em> series. </p> <p dir="ltr">And now, it seems like Larry’s dream has come true, though not exactly in the way he might have expected. </p> <p dir="ltr">The popular host and his wife, Sylvie, have had their hands full recently trying to sell their Kangaroo Valley retreat, better known as Sky Ridge. </p> <p dir="ltr">And while pictures of the property and its picturesque surrounds are available thanks to Belle Property, it wasn’t the property’s luxury four bedrooms or sweeping views that saw it get a mention on the Channel 10 game show.</p> <p dir="ltr">Instead, it was a statue situated in the home’s main living space that caught their attention, with <em>Have You Been Paying Attention? </em>host Tom Gleisner asking his panel if they knew why Larry’s holiday home had gone viral throughout the week. </p> <p dir="ltr">Ed Kavalee was quick to suggest that it was because “the price was right”, while Sam Pang asked if it was because “it has to do with the backyard, they found a shallow grave?”</p> <p dir="ltr">Kavalee eventually got to the right answer, revealing that “there was, like, a pornographic statue in there.”</p> <p dir="ltr">The statue in question could be found perched on top of Larry’s dining room table, and appeared to catch two people caught up in the moment having “X-rated raunchy sex”, as Larry himself put it. </p> <p dir="ltr">The <em>HYBPA?</em> audience found it hilarious, and thankfully, Larry was more than happy to see the funny side of it all, too. </p> <p dir="ltr">Taking to social media after learning about his unexpected cameo, Larry shared that he’d “always wanted to be on <em>Have You Been Paying Attention?</em> but not for a disgraceful reason like this.”</p> <p dir="ltr">“My sex statue is famous,” he added, before sharing details of the property and that “YES !!!! <em>The Price is Right</em>”.</p> <blockquote class="instagram-media" style="background: #FFF; border: 0; border-radius: 3px; box-shadow: 0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width: 540px; min-width: 326px; padding: 0; width: calc(100% - 2px);" data-instgrm-captioned="" data-instgrm-permalink="https://www.instagram.com/reel/CttOo9pByBy/?utm_source=ig_embed&utm_campaign=loading" data-instgrm-version="14"> <div style="padding: 16px;"> <div style="display: flex; flex-direction: row; align-items: center;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 40px; margin-right: 14px; width: 40px;"> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 100px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 60px;"> </div> </div> </div> <div style="padding: 19% 0;"> </div> <div style="display: block; height: 50px; margin: 0 auto 12px; width: 50px;"> </div> <div style="padding-top: 8px;"> <div style="color: #3897f0; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: 550; line-height: 18px;">View this post on Instagram</div> </div> <div style="padding: 12.5% 0;"> </div> <div style="display: flex; flex-direction: row; margin-bottom: 14px; align-items: center;"> <div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(0px) translateY(7px);"> </div> <div style="background-color: #f4f4f4; height: 12.5px; transform: rotate(-45deg) translateX(3px) translateY(1px); width: 12.5px; flex-grow: 0; margin-right: 14px; margin-left: 2px;"> </div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(9px) translateY(-18px);"> </div> </div> <div style="margin-left: 8px;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 20px; width: 20px;"> </div> <div style="width: 0; height: 0; border-top: 2px solid transparent; border-left: 6px solid #f4f4f4; border-bottom: 2px solid transparent; transform: translateX(16px) translateY(-4px) rotate(30deg);"> </div> </div> <div style="margin-left: auto;"> <div style="width: 0px; border-top: 8px solid #F4F4F4; border-right: 8px solid transparent; transform: translateY(16px);"> </div> <div style="background-color: #f4f4f4; flex-grow: 0; height: 12px; width: 16px; transform: translateY(-4px);"> </div> <div style="width: 0; height: 0; border-top: 8px solid #F4F4F4; border-left: 8px solid transparent; transform: translateY(-4px) translateX(8px);"> </div> </div> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center; margin-bottom: 24px;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 224px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 144px;"> </div> </div> <p style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; line-height: 17px; margin-bottom: 0; margin-top: 8px; overflow: hidden; padding: 8px 0 7px; text-align: center; text-overflow: ellipsis; white-space: nowrap;"><a style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: normal; line-height: 17px; text-decoration: none;" href="https://www.instagram.com/reel/CttOo9pByBy/?utm_source=ig_embed&utm_campaign=loading" target="_blank" rel="noopener">A post shared by @larryemdur</a></p> </div> </blockquote> <p dir="ltr">Larry’s fans raced to express their amusement, with dozens sharing laughing emojis, while others assured him that the feature piece was certainly “a work of art”. </p> <p dir="ltr">“Love a good conversation piece,” one user said. </p> <p dir="ltr">“It’s…… unique,” another added. </p> <p dir="ltr">“Can’t stand that show,” one confessed. “But at least this time they are talking about something interesting”.</p> <p dir="ltr">And one other agreed that it had been “so funny”, noting that it was also a “nice house”, but that most importantly, they were sorry you weren't nominated for a gold logie, you sure deserved it”. </p> <p dir="ltr"><em>Images: realestate.com.au, Getty</em></p>

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Think $5.50 is too much for a flat white? Actually it’s too cheap, and our world-famous cafes are paying the price

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

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Think $5.50 is too much for a flat white? Actually it’s too cheap, and our world-famous cafes are paying the price

Outcry after authorities seize internet-famous magpie from Queensland family

Christchurch attack victims' families reflect on tragedy five years on

Major claim in investigation into deadly house fire that killed five children

Five tips for developing and managing your budget – even in tough economic times

Downsizing cost trap awaits retirees – five reasons to be wary

“There were bodies everywhere”: Five people dead in horror pub crash

Dave Hughes sets the record straight over famous Block house purchase

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

"She had the biggest heart": Mum's tribute to five-year-old killed in a car crash

Hugh Jackman's first outing with his famous friends after bombshell split

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

Why you should throw out five things every Monday

Buxton crash driver pleads guilty over five teen deaths

Billionaire throws star-studded party for most famous names on the planet

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John Legend welcomes new baby only FIVE MONTHS after last one

Tourist busted for carving name into world's most famous Roman relic

“Where’s Andy Murray?” Famous family fires up over Wimbledon faux pas

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

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