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Millions of eligible Aussies about to receive financial boost

<p>Starting this Wednesday, millions of Australians relying on Centrelink benefits will see a welcome increase in their payments. With indexation kicking in, fortnightly boosts ranging from $14 to $30 will be allocated to eligible recipients, depending on their specific circumstances and the type of payment they receive.</p> <p>This adjustment will not only benefit current beneficiaries but also extend support to more individuals, with an additional 77,000 parents now qualifying for higher payment rates. The eligibility criteria for certain payments have been expanded, particularly for parents whose youngest child is under 14, a significant extension from the previous threshold of under eight.</p> <p>Income and assets limits tied to these payments will also experience an uptick in line with the indexation process, offering further relief to recipients. But how exactly will these increments manifest across different categories of payments?</p> <p>For single parents, the fortnightly payment will see a boost of $17.50, while partnered parents will witness an increase of $12.30 individually. Moreover, the income free area will rise to $1,345 for each person, an enhancement of $20 per fortnight.</p> <p>Jobseekers with children or those aged over 55 will receive an additional $14.40 fortnightly. Single JobSeeker recipients without children and individuals aged over 22 on ABSTUDY will enjoy a $13.50 increase per fortnight, with couples receiving an extra $12.30 each.</p> <p>Rent assistance, however, will see relatively modest increments, ranging from $2.27 to $3.40, depending on the recipient's family situation.</p> <p>For those on the age pension, disability support pension, and carer payment, the increase is more substantial, with singles receiving an extra $19.60 and couples combined receiving $29.40 each fortnight. This brings the maximum rate of the pension to $1116.30 for singles and $1682.80 for couples, including pension and energy supplements.</p> <p>Amanda Rishworth, the Social Services Minister, explains that indexation plays a crucial role in ensuring that welfare recipients can cope with inflation and the rising cost of living – and that addressing these pressures remains a top priority for the government.</p> <p>This increase in Centrelink payments comes at a critical time when many Australians are grappling with economic uncertainty due to various factors, including the ongoing pandemic. While these adjustments may seem modest to some, they can make a significant difference for those relying on welfare support to make ends meet.</p> <p>It's essential for eligible individuals to stay informed about these changes and ensure they receive the full benefits they're entitled to. For those who may be unsure about their eligibility or how to navigate the system, seeking assistance from Centrelink or relevant support services can provide valuable guidance.</p> <p>As the cost of living continues to evolve, initiatives like indexation serve as vital mechanisms for maintaining the welfare safety net and supporting vulnerable members of society. By keeping pace with economic realities, these adjustments strive to provide meaningful relief to those who need it most, contributing to a more equitable and inclusive society for all Australians.</p> <p><em>Image: Getty </em></p>

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Millions of Aussies to get cash boost in weeks

<p>Millions of Australians are set to receive more money when payments are indexed. </p> <p>On March 20, those on the age pension, disability support pension and carer payment will be pocketing extra money. </p> <p>Single people on the pension and carer payment can expect an extra $19.60, with maximum amount increasing to $1116.30. For couples, the rate will go up $29.40 per fortnight, with the maximum being $1682.80.</p> <p>People on rent assistance, JobSeeker, single parenting payments and ABSTUDY will also benefit from payment increases, with single parenting payment going up by $17.50 a fortnight.</p> <p>Single JobSeeker recipients with no kids, and people over 22 on ABSTUDY, will get an extra $13.50 per fortnight, while each member of a couple will get an additional $12.30 per fortnight.</p> <p>The government has also changed the eligibility criteria for parents seeking welfare payments, with the last budget revealing that 77,000 parents will receive benefits for the youngest child up to the age of 14 instead of eight. </p> <p>The income and assets limits will also be increased in line with indexation in March.</p> <p>Social Services Minister Amanda Rishworth said that these changes will be implemented to ensure that Centrelink recipients would be able to have more money in their accounts, with the rise in cost-of-living. </p> <p>“Our number one priority is addressing inflation and cost of living pressures,” Rishworth said.</p> <p><em>Image: Getty</em></p> <p> </p>

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Tax boost announced for 1.2 million people

<p>Low-income earners will receive a tax boost with the Medicare levy threshold set to rise. </p> <p>The income threshold at which taxpayers will have to pay a two per cent Medicare levy will increase by 7.1 per cent, in line with inflation. </p> <p>Currently single people who earn below $24,276 do not have to pay the levy. Under the changes, the two per cent levy only has to be paid by anyone earning over <span style="font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Oxygen, Ubuntu, Cantarell, 'Open Sans', 'Helvetica Neue', sans-serif;">$26,000</span></p> <p>The <span style="font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Oxygen, Ubuntu, Cantarell, 'Open Sans', 'Helvetica Neue', sans-serif;">Medicare levy </span><span style="font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Oxygen, Ubuntu, Cantarell, 'Open Sans', 'Helvetica Neue', sans-serif;">threshold for seniors and pensioners will increase to $41,089, up from the initial benchmark of $38,365. </span></p> <p>For families, this threshold has increased to $43,486 up from the previous $40,939. </p> <p>Treasurer Jim Chalmers said that the increase was part of the broader measures taken to relieve the increase in cost-of-living. </p> <p>“This will ensure people on lower incomes continue to pay less or are exempt from the Medicare levy,”  he said on Tuesday. </p> <p>“It means 1.2 million Australians get to keep a bit more of what they earn.”</p> <p>The boost in the Medicare levy threshold was announced alongside changes to income tax cuts, with those earning under $150,000 set to receive greater benefits. </p> <p>“This is about doing what we responsibly can to ease some of the pressure being felt by Australians right around the country, but especially for people on lower incomes, young people, seniors and women,” Chalmers said.</p> <p>This comes just days after Medicare celebrated it's 40th anniversary, with an exhibition launched at Parliament House.</p> <p><em>Image: Getty</em></p>

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Stage 3 stacks up: the rejigged tax cuts help fight bracket creep and boost middle and upper-middle households

<p><em><a href="https://theconversation.com/profiles/ben-phillips-98866">Ben Phillips</a>, <a href="https://theconversation.com/institutions/australian-national-university-877">Australian National University</a></em></p> <p>The winners and losers from the Albanese government’s <a href="https://treasury.gov.au/sites/default/files/2024-01/tax-cuts-government-fact-sheet.pdf">rejig</a> of this year’s Stage 3 tax cuts have already been well documented.</p> <p>From July 1 every taxpayer will get a tax cut. Most, the 11 million taxpayers earning up to A$146,486, will also pay less tax than they would have under the earlier version of Stage 3, some getting a tax cut <a href="https://theconversation.com/albanese-tax-plan-will-give-average-earner-1500-tax-cut-more-than-double-morrisons-stage-3-221875">twice as big</a>.</p> <p>A much smaller number, 1.8 million, will get a smaller tax cut than they would have under the original scheme, although their cuts will still be big. The highest earners will get cuts of $4,529 instead of $9,075.</p> <p>But many of us live in households where income is shared and many households don’t pay tax because the people in them don’t earn enough or are on benefits.</p> <p>The Australian National University’s <a href="https://csrm.cass.anu.edu.au/research/policymod">PolicyMod</a> model is able to work out the impacts at the household level, including the impact on households in which members are on benefits or don’t earn enough to pay tax.</p> <h2>More winners than losers in every broad income group</h2> <p>We’ve divided Australian households into five equal-size groups ranked by income, from lowest to lower-middle to middle to upper-middle to high.</p> <p>Our modelling finds that, just as is the case for individuals, many more households will be better off with the changes to Stage 3 than would have been better off with Stage 3 as it was, although the difference isn’t as extreme.</p> <p>Overall, 58% of households will be better off with the reworked Stage 3 than they would have under the original and 11% will be worse off.</p> <p>Importantly, there remain 31% who will be neither better off nor worse off, because they don’t pay personal income tax.</p> <hr /> <p><iframe id="0CWXE" class="tc-infographic-datawrapper" style="border: none;" src="https://datawrapper.dwcdn.net/0CWXE/4/" width="100%" height="400px" frameborder="0"></iframe></p> <hr /> <p>But it is different for different types of households.</p> <p>In the lowest-earning fifth of households, far more are better off (13.5%) than worse off (0.2%) with the overwhelming bulk neither better nor worse off (86.3%).</p> <hr /> <p><iframe id="KC5zy" class="tc-infographic-datawrapper" style="border: none;" src="https://datawrapper.dwcdn.net/KC5zy/3/" width="100%" height="400px" frameborder="0"></iframe></p> <hr /> <p>In the highest-earning fifth of households, while more than half are better off (54.4%), a very substantial proportion are worse off (42.3%).</p> <p>Very few (only 3.1%) are neither better nor worse off.</p> <hr /> <p><iframe id="WSkSL" class="tc-infographic-datawrapper" style="border: none;" src="https://datawrapper.dwcdn.net/WSkSL/3/" width="100%" height="400px" frameborder="0"></iframe></p> <hr /> <h2>But high-earning households go backwards on average</h2> <p>In dollar terms, the top-earning fifth of households loses money while every group gains. That’s because although there are more winners than losers among the highest-earning fifth of households, the losers lose more money.</p> <p>The biggest dollar gains go to middle and upper-middle income households with middle-income households ahead, on average, by $988 per year and upper-middle income households by $1,102. The highest-income households are worse off by an average of $837 per year.</p> <p>As a percentage of income, middle-income households gain the most with a 1% increase in disposable income. Lowest income households gain very little, while the highest-income households go backwards by 0.3%.</p> <hr /> <p><iframe id="kAPmC" class="tc-infographic-datawrapper" style="border: none;" src="https://datawrapper.dwcdn.net/kAPmC/3/" width="100%" height="400px" frameborder="0"></iframe></p> <hr /> <h2>The rejig does a better job of fighting bracket creep</h2> <p>And we’ve found something else.</p> <p>The original version of the Stage 3 tax cuts was advertised as a measure to overcome <a href="https://theconversation.com/the-2-main-arguments-against-redesigning-the-stage-3-tax-cuts-are-wrong-heres-why-221975">bracket creep</a>, which is what happens when a greater proportion of taxpayers’ income gets pushed into higher tax brackets as incomes climb.</p> <p>We have found it wouldn’t have done it for most of the income groups, leaving all but the highest-earning group paying more tax after the change in mid-2024 than it used to in 2018.</p> <p>The rejigged version of Stage 3 should compensate for bracket creep better, leaving the top two groups paying less than they did in 2018 and compensating the bottom three better than the original Stage 3.</p> <hr /> <p><iframe id="YG0cT" class="tc-infographic-datawrapper" style="border: none;" src="https://datawrapper.dwcdn.net/YG0cT/1/" width="100%" height="400px" frameborder="0"></iframe></p> <hr /> <p>Not too much should be made of the increase in tax rates in the lowest income group between 2018 ad 2024 because some of it reflects stronger income growth.</p> <p>We find that overall, the redesigned Stage 3 does a better job of offsetting bracket creep than the original. It is also better targeted to middle and upper-middle income households.</p> <p>Having said that, the average benefit in dollar terms isn’t big. At about $1,000 per year for middle and upper-middle income households and costing the budget about what the original Stage 3 tax cuts would have cost, its inflationary impact compared to the original looks modest.<!-- Below is The Conversation's page counter tag. Please DO NOT REMOVE. --><img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/221851/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /><!-- End of code. If you don't see any code above, please get new code from the Advanced tab after you click the republish button. The page counter does not collect any personal data. More info: https://theconversation.com/republishing-guidelines --></p> <p><a href="https://theconversation.com/profiles/ben-phillips-98866"><em>Ben Phillips</em></a><em>, Associate Professor, Centre for Social Research and Methods, Director, Centre for Economic Policy Research (CEPR), <a href="https://theconversation.com/institutions/australian-national-university-877">Australian National University</a></em></p> <p><em>Image credits: Shutterstock</em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/stage-3-stacks-up-the-rejigged-tax-cuts-help-fight-bracket-creep-and-boost-middle-and-upper-middle-households-221851">original article</a>.</em></p>

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“This is their money”: Aussies to receive cash boost in days

<p>The Australian government appears to be on a mission to play Santa, as it attempts to return a whopping $234 million in unclaimed Medicare benefits to one million of its hard-working citizens. Move over, jolly old Saint Nick; it's time for Bill "Santa" Shorten to shine.</p> <p>It turns out that Australians have been missing out on an average of $240 each in Medicare rebates, akin to losing a crisp, green note between the couch cushions – but on a national scale.</p> <p>Apparently, the government has been holding onto this financial treasure trove because some Aussies forgot to update their bank details with Medicare. Who knew that keeping your bank info up-to-date could be more rewarding than finding a forgotten $20 in last winter's coat?</p> <p>Government Services Minister Bill Shorten is riding the sleigh of generosity, announcing that, "We know Australians are doing it tough, and I want to reunite people with millions in unpaid Medicare benefits before the holidays." </p> <p>In the grand spirit of giving, Shorten has a plan. Australians can reclaim their lost loot within three days by undertaking the Herculean task of updating their bank account details on the myGov website. It's like a high-stakes version of changing your password but with a much more tangible reward – immediate funds in time for holiday shopping sprees.</p> <p>According to Shorten, the age group with the most to gain from this unexpected Christmas bonus is 18 to 24-year-olds, collectively owed a jaw-dropping $49 million. It seems like Santa Shorten is making a list and checking it twice, ensuring even the Millennials and Gen Zs get their fair share of financial cheer.</p> <p>While nearly 700,000 lucky Aussies are set to receive a notification about their long-lost financial windfall, there's a Grinchy catch: 300,000 individuals without a myGov account may remain out of reach. It's a modern-day Christmas tragedy – the equivalent of getting coal in your stocking because you forgot to sign up for the "nice" list.</p> <p>Opposition spokesman Paul Fletcher is urging Australians to create a myGov account, stating, "Two minutes on the app, three days later money in your account, good news for Christmas." It's like a financial magic trick - poof, and the money appears!</p> <p>In the midst of this Yuletide monetary magic, opposition spokesman Paul Fletcher throws some shade, claiming the coalition exposed these unclaimed benefits figures in October. "Families are struggling with cost-of-living pressures, and this is their money, not the government's," he declared, sounding like a fiscal superhero fighting for the rights of the underpaid and overtaxed.</p> <p>So, as Aussies rush to create myGov accounts and update their banking details, it's beginning to feel a lot like Christmas. Santa Shorten and his merry band of government officials are on a mission to spread holiday cheer, one direct deposit at a time.</p> <p>Who needs mistletoe when you can kiss your financial worries goodbye, thanks to the jingling sound of unclaimed Medicare benefits? It's the season of giving, after all, and in Australia, Santa Shorten is coming to town.</p> <p><em>Image: Getty</em></p>

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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&amp;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.<!-- Below is The Conversation's page counter tag. Please DO NOT REMOVE. --><img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/208853/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /><!-- End of code. If you don't see any code above, please get new code from the Advanced tab after you click the republish button. The page counter does not collect any personal data. More info: https://theconversation.com/republishing-guidelines --></p> <p><em><a href="https://theconversation.com/profiles/fredrick-kibon-changwony-234363">Fredrick Kibon Changwony</a>, Lecturer in Accounting &amp; 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>

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Forcing people to repay welfare ‘loans’ traps them in a poverty cycle – where is the policy debate about that?

<p><em><a href="https://theconversation.com/profiles/hanna-wilberg-1466649">Hanna Wilberg</a>, <a href="https://theconversation.com/institutions/university-of-auckland-1305">University of Auckland</a></em></p> <p>The National Party’s <a href="https://www.1news.co.nz/2023/09/26/more-sanctions-for-unemployed-beneficiaries-under-national/">pledge to apply sanctions</a> to unemployed people receiving a welfare payment, if they are “persistently” failing to meet the criteria for receiving the benefit, has attracted plenty of comment and <a href="https://www.1news.co.nz/2023/09/26/nationals-benefit-sanctions-plan-cruel-dehumanising-greens/">criticism</a>.</p> <p>Less talked about has been the party’s promise to index benefits to inflation to keep pace with the cost of living. This might at least provide some relief to those struggling to make ends meet on welfare, though is not clear how much difference it would make to the current system of indexing benefits to wages.</p> <p>In any case, this alone it is unlikely to break the cycle of poverty many find themselves in.</p> <p>One of the major drivers of this is the way the welfare system pushes some of the most vulnerable people into debt with loans for things such as school uniforms, power bills and car repairs.</p> <p>The government provides one-off grants to cover benefit shortfalls. But most of these grants are essentially loans.</p> <p>People receiving benefits are required to repay the government through weekly deductions from their normal benefits – which leaves them with even less money to survive on each week.</p> <p>With <a href="https://www.stuff.co.nz/pou-tiaki/132980318/auckland-mother-serves-up-cereal-for-dinner-due-to-rising-food-costs">rising costs</a>, the situation is only getting worse for many of the 351,756 New Zealanders <a href="https://figure.nz/chart/TtiUrpceJruy058e-ITw010dHsM6bvA2a">accessing one of the main benefits</a>.</p> <h2>Our whittled down welfare state</h2> <p>Broadly, there are three levels of government benefits in our current system.</p> <p>The main benefits (such as jobseeker, sole parent and supported living payment) <a href="https://www.workandincome.govt.nz/products/benefit-rates/benefit-rates-april-2023.html">pay a fixed weekly amount</a>. The jobseeker benefit rate is set at NZ$337.74 and sole parents receive $472.79 a week.</p> <p>Those on benefits have access to a second level of benefits – weekly supplementary benefits such as an <a href="https://www.workandincome.govt.nz/products/a-z-benefits/accommodation-supplement.html">accommodation supplement</a> and other allowances or tax credits.</p> <p>The third level of support is one-off discretionary payments for specific essential needs.</p> <p>Those on benefits cannot realistically make ends meet without repeated use of these one-off payments, unless they use assistance from elsewhere – such as family, charity or borrowing from loan sharks.</p> <p>This problem has been building for decades.</p> <h2>Benefits have been too low for too long</h2> <p>In the 1970s, the <a href="https://mro.massey.ac.nz/handle/10179/12967">Royal Commission on Social Security</a> declared the system should provide “a standard of living consistent with human dignity and approaching that enjoyed by the majority”.</p> <p>But Ruth Richardson’s “<a href="https://www.stuff.co.nz/the-press/christchurch-life/124978983/1991-the-mother-of-all-budgets">mother of all budgets</a>” in 1991 slashed benefits. Rates never recovered and today’s <a href="https://www.1news.co.nz/2022/03/29/benefit-increases-will-still-leave-families-locked-in-poverty/">benefits are not enough to live on</a>.</p> <p>In 2018, the <a href="https://www.weag.govt.nz/">Welfare Expert Advisory Group</a> looked at how much money households need in two lifestyle scenarios: bare essentials and a minimum level of participation in the community, such as playing a sport and taking public transport.</p> <p>The main benefits plus supplementary allowances did not meet the cost of the bare essentials, let alone minimal participation.</p> <p>The Labour government has since <a href="https://www.beehive.govt.nz/release/government-delivers-income-increases-over-14-million-new-zealanders">increased benefit rates</a>, meaning they are now slightly above those recommended by the advisory group. But those recommendations were made in 2019 and don’t take into account the <a href="https://www.stats.govt.nz/news/annual-inflation-at-6-0-percent">sharp rise in inflation</a> since then.</p> <p>Advocacy group <a href="https://fairerfuture.org.nz/">Fairer Future</a> published an updated assessment in 2022 – nine out of 13 types of households still can’t meet their core costs with the current benefit rates.</p> <h2>How ‘advances’ create debt traps</h2> <p>When they don’t have money for an essential need, people on benefits can receive a “special needs grant”, which doesn’t have to be repaid. But in practice, Work and Income virtually never makes this type of grant for anything except food and some other specific items, such as some health travel costs or emergency dental treatment.</p> <p>For <a href="https://www.1news.co.nz/2023/02/27/very-stressful-beneficiary-says-he-cant-afford-msd-debt/">all other essential needs</a> – such as school uniforms, car repairs, replacing essential appliances, overdue rent, power bills and tenancy bonds – a one-off payment called an “advance” is used. Advances are loans and have to be paid back.</p> <p>There are several issues with these types of loans.</p> <p>First, people on benefits are racking up thousands of dollars worth of debts to cover their essential needs. It serves to trap them in financial difficulties for the foreseeable future.</p> <p>As long as they remain on benefits or low incomes, it’s difficult to repay these debts. And the <a href="https://www.legislation.govt.nz/act/public/2018/0032/latest/whole.html">Social Security Act 2018</a> doesn’t allow the Ministry of Social Development (MSD) to waive debts.</p> <h2>Contradictory policies</h2> <p>Another problem is that people on benefits have to start repaying their debt straight away, with weekly deductions coming out of their already limited benefit.</p> <p>Each new advance results in a further weekly deduction. Often these add up to $50 a week or more. MSD policy says repayments should not add up to more than $40 a week, but that is often ignored.</p> <p>This happens because the law stipulates that each individual debt should be repaid in no more than two years, unless there are exceptional circumstances. Paying this debt off in two years often requires total deductions to be much higher than $40.</p> <p>The third issue is that one-off payments can be refused regardless of the need. That is because there are two provisions pulling in opposite directions.</p> <p>On the one hand the law says a payment should be made if not making it would cause serious hardship. But on the other hand, the law also says payments should not be made if the person already has too much debt.</p> <p>People receiving benefits and their case managers face the choice between more debt and higher repayments, or failing to meet an essential need.</p> <h2>Ways to start easing the burden</h2> <p>So what is the fix? A great deal could be achieved by just changing the policies and practices followed by Work and Income.</p> <p>Case managers have the discretion to make non-recoverable grants for non-food essential needs. These could and should be used when someone has an essential need, particularly when they already have significant debt.</p> <p>Weekly deductions for debts could also be automatically made very low.</p> <p>When it comes to changing the law, the best solution would be to make weekly benefit rates adequate to live on.</p> <p>The government could also make these benefit debts similar to student loans, with no repayments required until the person is off the benefit and their income is above a certain threshold.</p> <p>However we do it, surely it must be time to do something to fix this poverty trap.<!-- Below is The Conversation's page counter tag. Please DO NOT REMOVE. --><img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/212528/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /><!-- End of code. If you don't see any code above, please get new code from the Advanced tab after you click the republish button. The page counter does not collect any personal data. More info: https://theconversation.com/republishing-guidelines --></p> <p><a href="https://theconversation.com/profiles/hanna-wilberg-1466649"><em>Hanna Wilberg</em></a><em>, Associate professor - Law, <a href="https://theconversation.com/institutions/university-of-auckland-1305">University of Auckland</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/forcing-people-to-repay-welfare-loans-traps-them-in-a-poverty-cycle-where-is-the-policy-debate-about-that-212528">original article</a>.</em></p>

Money & Banking

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The happiness diet: 7 foods to boost your mood

<p><strong>Mood boosting foods worth adding to your shopping trolley</strong></p> <p>For decades, our culture has focused on the connection between healthy eating and physiological wellness – most of all, related to weight. But out of a pandemic that made mental health a hot topic, you might also be gaining an awareness that the food you eat can seriously affect your mind.</p> <p>Research published in The British Medical Journal says diet plays a major role in how both our body and our brain are feeling. Poor nutrition can contribute to depression, anxiety, aggression (there’s a reason the word “hangry” exists!). But improving your diet, and knowing the right foods to eat, may help your mental health.</p> <p>Dietitian and certified intuitive eating counsellor Rachel Engelhart says certain foods can support your body’s processes that are responsible for positive moods and strong energy levels. Here’s Engelhart’s list of the greatest mood-boosting foods.</p> <p><strong>Fatty fish</strong></p> <p>Seafood like salmon, mackerel and canned tuna are rich in omega-3 fatty acids, which are ‘healthy fats’ with benefits throughout your body – from your heart to your eyes – and your brain.</p> <p>“Omega-3 fatty acids are anti-inflammatory and have the ability to cross into the brain, having a direct effect on mood-regulating molecules and neurotransmitters there,” says registered dietitian Kelsey Lorencz. Research has consistently linked low levels of omega-3s with mood disorders like depression and anxiety – and, according to a review published in Frontiers in Physiology, most of us don’t get enough omega-3 fats in our diet.</p> <p><strong>Yoghurt</strong></p> <p>According to Lorencz, “The bacteria in your gut can actually produce feel-good neurotransmitters like serotonin and dopamine.”</p> <p>Research has identified a particular bacterium that may have a strong impact on triggering these chemicals: a strain called Lactobacillus. One study published in the journal Nature found that feeding our gut with this good bacteria – found naturally in foods like yoghurt, kefir, and sauerkraut – doesn’t just keep the blues at bay, it can increase our resilience in the face of stress.</p> <p><strong>Bananas</strong></p> <p>Bananas aren’t just shaped like a smile – they’re a mood-boosting powerhouse. That’s in part because they’re also high in vitamin B6, one nutrient behind the production of the ‘happiness hormone’ serotonin. Bananas contain prebiotic fibre, which, along with that Lactobacillus, are essential for gut health that promotes a happy brain.</p> <p><strong>Cottage cheese</strong></p> <p>“The amino acid L-tyrosine is needed to make dopamine and norepinephrine, two neurotransmitters that affect our mood and can easily become depleted,” Lorencz says. She points to high sources like soy products, chicken, fish, nuts, seeds, avocados and bananas. But cottage cheese has a whopping amount of this amino acid, along with a few other mood-boosters in its arsenal. It’s high in protein, which is essential for our body to make and use its mood-promoting hormones, Engelhart says. (This protein is casein protein, which our body absorbs more slowly, sustaining energy levels, and may contribute to elevated moods, according to ongoing research.)</p> <p>Cottage cheese also contains selenium, a mineral that Nutrients research has suggested may be linked with lower rates of depression.</p> <p><strong>Nuts and seeds</strong></p> <p>Magnesium is a mineral that supports our body’s energy production – and not getting enough can lead to irritability, anxiety, sleeplessness and agitation, says Lorencz. Nuts like almonds, walnuts, cashews and seeds like pumpkin, chia and sesame are great sources of this vital nutrient, as well as tryptophan, an amino acid associated with good moods.</p> <p>Nuts and seeds can also be great vegetarian sources of those crucial omega-3 fatty acids.</p> <p><strong>Oysters</strong></p> <p>The ages-old wives’ tale about oysters as aphrodisiacs is still out for debate, but oysters can elevate one’s mood. They pack the highest zinc content of any food – a nutrient that’s linked with anxiety and depression when we’re deficient, says Lorencz – and contain tyrosine, an amino acid that helps our body produce the ‘feel good’ hormone dopamine.</p> <p>That’s great news for the shellfish-loving set. However, if you aren’t a fan of oysters, you can get this one-two mood-boosting punch from food like eggs, nuts and legumes.</p> <p><strong>Your favourite treat</strong></p> <p>“Having a varied diet is the best way to set your body up to produce the ‘feel good’ hormones that it needs,” Engelhart says, adding an important point: while this nutritious balance is important, so is treating yourself to food you enjoy. “So many of my clients are hard on themselves and rather judgmental around their food choices, and it negatively impacts their mood,” she says. “Sprinkling our day with a delicious coffee, a yummy dessert, or one of our favourite restaurant meals is also an important way to positively impact our mental health.”</p> <p>And if you want to be strategic about that treat, reach for some dark chocolate. Chocolate contains natural serotonin, and 2022 research found that dark chocolate has prebiotic effects in our gut, supporting stronger mental health.</p> <p><em>Image credits: Getty Images</em></p> <p><em>This article originally appeared on <a href="https://www.readersdigest.com.au/healthsmart/conditions/mental-health/the-happiness-diet-7-foods-to-boost-your-mood" target="_blank" rel="noopener">Reader's Digest</a>.</em></p>

Food & Wine

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Millions of Aussies set for a pension boost

<p>Millions of Australians are set to receive a generous cash increase when an imminent welfare payment indexation comes into effect. </p> <p>Those on age pension payments from Centrelink will see a boost to their payment from Tuesday. </p> <p>According to figures from the Department of Social Services, single pensioners will receive an increase of $32.70, taking their payments to $1096.70 a fortnight.</p> <p>Couples on the adult pension will have their fortnightly payments increase by $24.70 to $826.70.</p> <p>Those on Jobseeker will also receive a boost to their payments, as payments will increase by $56.10 a fortnight to $749.20 for single people aged 22 or more with no children, and by $57.30 a fortnight for those with children to $802.50.</p> <p>Single people aged 55 or over will also have payments increased to $802.50 after nine months.</p> <p>Partnered people on Jobseeker will get a $54.80 increase to $686 a fortnight. </p> <p>Centrelink recipients on rent assistance, youth allowance and Austudy payments will also receive a boost to their fortnightly payments. </p> <p>Despite the increases across many welfare recipient groups, the Australian Council of Social Services says the increases are not enough.</p> <p>ACOSS said people almost three quarters of people they had surveyed on income support were eating less or skipping meals as the ongoing cost of living criss worsens. </p> <p>Half of the respondents said the incoming increase would not help at all, prompting the ACOSS to call for income support to at least match the pension rate.</p> <p><em>Image credits: Getty Images</em></p>

Money & Banking

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How your favourite things can boost your financial wellbeing

<p><em><a href="https://theconversation.com/profiles/jingshi-joyce-liu-1424398">Jingshi (Joyce) Liu</a>, <a href="https://theconversation.com/institutions/city-university-of-london-1047">City, University of London</a>; <a href="https://theconversation.com/profiles/amy-dalton-1425283">Amy Dalton</a>, <a href="https://theconversation.com/institutions/hong-kong-university-of-science-and-technology-1153">Hong Kong University of Science and Technology</a>, and <a href="https://theconversation.com/profiles/anirban-mukhopadhyay-1425284">Anirban Mukhopadhyay</a>, <a href="https://theconversation.com/institutions/hong-kong-university-of-science-and-technology-1153">Hong Kong University of Science and Technology</a></em></p> <p>The cost of living crisis has left many people struggling to afford basic necessities such as food and heating for their homes. On the other hand, the top ten richest men in the world <a href="https://www.weforum.org/agenda/2022/04/economic-inequality-wealth-gap-pandemic/">doubled their wealth</a> during the COVID pandemic while 99% of people became worse off.</p> <p>While this is a comparison of two extremes, many people attempt to “keep up with the Joneses” – looking at what the people around them own and striving to afford the same things. Comparing material wealth and resources to those around you is even more common when others are better off. It’s hard not to wonder why someone else has a nicer car or better clothes.</p> <p>Lots of <a href="https://onlinelibrary.wiley.com/doi/full/10.1111/jasp.12631">research supports</a> this tendency, <a href="https://journals.sagepub.com/doi/full/10.1177/00222437221141053">including our own</a>. For example, when we asked American people to watch a video about research on income inequality in their own country, unsurprisingly, it made them think about their own wealth and how it compares to those around them.</p> <p>And we found that it doesn’t matter how wealthy a person is. Relatively well-off people still tend to look upwards in this way. There is nearly always someone who has more money or owns a better car, a bigger house or the latest gadgets.</p> <p>But while money may not buy you happiness, <a href="https://journals.sagepub.com/doi/full/10.1177/00222437221141053">our research shows</a> that a favourite possession can actually help to make you feel happier when facing income inequality. Thinking about a single treasured possession – even something small like a favourite book gifted by a friend or a keepsake from a trip – can help prevent these feelings of deprivation and actually boost your wellbeing.</p> <p>We used the <a href="https://www.investopedia.com/terms/g/gini-index.asp">Gini coefficient</a> – a common measure of income inequality – to analyse more than 31,000 Instagram posts from 138 countries. We found that posts tend to convey less happiness in places with more income inequality (i.e., when the Gini coefficient of the location of the post increases).</p> <p>We focused on posts that were about favourite possessions (that used hashtags such as #favouritething, #favthing), comparing these with posts about favourite things in general, that is things that aren’t “owned”. The latter posts used hashtags such as #fashion or #favoritepeople.</p> <p>Posts that used hashtags about general consumption and favourite things that aren’t “owned”, such as music or friends, were typically less happy and posted in areas with more income inequality. But when we looked at posts that used hashtags about favourite possessions, such as #favouritething or #favthing, we found there was a weaker relationship with income inequality.</p> <p>So whether a post was happy or not wasn’t linked to the equality of the area it was posted in. These posts about favourite possessions were therefore less affected by income inequality.</p> <p>This means that encouraging people to think differently about things they already own could help some cope better with inequality. Rather than focusing on how much you own, which tends to exacerbate social comparison and undermine happiness, focus instead on your favourite possessions. Our research indicates that people who do this tend to make fewer material comparisons, and are happier as a result.</p> <h2>Simply remember your favourite things</h2> <p>A treasured possession doesn’t even have to be particularly expensive. From a memento purchased on a trip abroad, to your grandmother’s embroidered cushion, a football jersey that reminds you of your old school teammates, or even that tattered t-shirt of your favourite band, such items can feel priceless to their owners because they are unique and their value transcends any kind of price.</p> <p>In a separate multi-country study using an online questionnaire, we asked 1,370 participants from China, India, Pakistan, the UK, Spain, Russia, Chile and Mexico to describe either every item of clothing they had recently purchased, or a single favourite item of clothing. After participants described these things, we asked them about their wellbeing, as well as their perception of income inequality in their country.</p> <p>Those who thought about recent clothing purchases reported lower wellbeing when thinking about income inequality in their country. In comparison, those who talked about a single favourite piece of clothing were not as affected by the income inequality they perceived around them.</p> <p>Three more online experiments with over 2,000 participants <a href="https://journals.sagepub.com/doi/full/10.1177/00222437221141053">revealed that</a> when people are reminded of their favourite possessions they feel less affected by income inequality because they are making fewer material comparisons.</p> <p>In one of these studies, we found that merely describing a favourite possession made people less likely to compare their wealth to that of others. When people stopped making these comparisons they were happier – even those living in places with more income inequality.</p> <h2>#FavouriteThing</h2> <p>Our research shows the benefits of focusing on a few favourite things that we own, rather than thinking about the amount of possessions we have and what else we need to “keep up with the Joneses”.</p> <p>Hashtag trends like #ThrowbackThursday encourage people to post photos on certain themes. In a similar vein, encouraging more people to post photos of their favourite possessions using hashtags like #FavouriteThing could do a lot to help boost happiness during the cost of living crisis.</p> <p>Income inequality is rampant and the cost of living crisis has only made its effects worse. But we all possess something dear to us that can keep us from comparing ourselves to others and help protect our wellbeing in this difficult economic environment.<!-- Below is The Conversation's page counter tag. Please DO NOT REMOVE. --><img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/201997/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /><!-- End of code. If you don't see any code above, please get new code from the Advanced tab after you click the republish button. The page counter does not collect any personal data. More info: https://theconversation.com/republishing-guidelines --></p> <p><em><a href="https://theconversation.com/profiles/jingshi-joyce-liu-1424398">Jingshi (Joyce) Liu</a>, Lecturer in Marketing, <a href="https://theconversation.com/institutions/city-university-of-london-1047">City, University of London</a>; <a href="https://theconversation.com/profiles/amy-dalton-1425283">Amy Dalton</a>, Associate Professor of Marketing, <a href="https://theconversation.com/institutions/hong-kong-university-of-science-and-technology-1153">Hong Kong University of Science and Technology</a>, and <a href="https://theconversation.com/profiles/anirban-mukhopadhyay-1425284">Anirban Mukhopadhyay</a>, Lifestyle International Professor of Business and Chair Professor of Marketing, <a href="https://theconversation.com/institutions/hong-kong-university-of-science-and-technology-1153">Hong Kong University of Science and Technology</a></em></p> <p><em>Image credits: Getty </em><em>Images </em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/how-your-favourite-things-can-boost-your-financial-wellbeing-201997">original article</a>.</em></p>

Money & Banking

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Top 10 collagen boosting foods

<p>We all know how good collagen is for keeping our skin firm. Chances are good your day or night cream probably contain it as an ingredient and if you have regular facials, it’s most likely integrated into the treatment somehow. While our body is constantly creating new collagen, the rate at which this happens starts to slow right down as we get older. Fortunately, along with your topical products, certain foods can help naturally boost collagen in the skin.</p> <p>Here’s what to include on your plate to give your dermis a boost:</p> <p><strong>Fish</strong> – Packed with Omega-3, quality fish helps create stronger cells, which in turn support the structure of the skin.</p> <p><strong>Red fruit and veggies</strong> – Veggies like chilli, capsicum and beetroot and fruits like tomato contain lycopene, an antioxidant that acts as a natural sunblock, helping protect skin from UV rays while also boosting collagen.</p> <p><strong>Dark green veggies</strong> – Rich in vitamin C and high in antioxidants, veggies like kale, spinach and darker varieties of lettuce can help increase collagen production.</p> <p><strong>Orange veggies</strong> – Chowing down on carrots and sweet potato gives your body a hit of vitamin A, which restores and regenerates damaged collagen.</p> <p><strong>Berries</strong> – Low in sugar and delicious to boot, berries contain antioxidants which help eliminate free radicals and increase collagen levels.</p> <p><strong>Soy products</strong> – Whether it’s soy milk, cheese, yoghurt or even tofu, soy contains a hormone called genistein which helps boost collagen production and block enzymes that cause ageing.</p> <p><strong>White and green herbal teas</strong> – Sipping a cup of herbal tea can help support the structure of the skin and prevent collagen breakdown.</p> <p><strong>Citrus</strong> – Fruits like orange, lime and lemon not only contain high levels of vitamin C but they also have the ability to help convert amino acids to collagen.</p> <p><strong>Eggs</strong> – Protein rich foods in general are high in collagen, which can help boost the levels in your skin. Lean meat and nuts are also great for creating a healthy complexion.</p> <p><strong>Garlic</strong> – Not only useful for warding off cold and flu, garlic provides the body with sulfur that is necessary for collagen production.</p> <p><em>Image credit: Shutterstock</em></p>

Beauty & Style

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Can you lend a paw this tax time to help cats in need?

<p>With a proud reputation of caring for cats for more than 60 years, the Cat Protection Society of NSW runs Sydney’s only no-kill shelter just for cats, as well as providing feline welfare programs to help cats and the people who love them. </p> <p>Cat Protection began in 1958 as a small group of people dedicated to reducing the number of street cats and while our organisation has grown over the years, our vision remains the same; that every cat deserves a loving and responsible home.</p> <p>Over the years, Cat Protection has helped literally hundreds of thousands of cats, kittens, and people. We’ve led the way in setting the standards for best-practice feline sheltering, and our health and welfare services extend far beyond our adoption centre. And while technology means we can offer a great range of free cat care resources online, we’ve never lost our human touch and we still help thousands of people every year with advice and tips on cat care by phone or in-person, at no cost. </p> <p>Our subsidised desexing, vaccination and microchipping programs promote cat health and welfare in the community and our newest program, Adopt-a-Stray, offers a complete and affordable package for those who wish to fully welcome a street cat into their heart and home. </p> <p>What sets us apart from many other animal shelters is our holistic approach to each individual cat or human client. Cats are not given a time limit, although most are adopted within days or weeks. Every cat is individually assessed and provided with a care plan to meet their unique needs. If they need complex surgery, allergy trials or behavioural interventions our highly qualified team will work with veterinarians and specialists to ensure the cat gets everything they need to set them on the path to living their best life.</p> <p>A kind person found Snake, a four-week-old sickly orphaned kitten. In addition to cat flu, our vets identified corneal scarring in his right eye, a blocked tear duct, and an adhesion on his eyelid restricting the normal movement of his third eyelid. Treatment resolved the flu and improved his eye, but Snake will live with limited vision in that eye. This has not dampened his playfulness or zest for life.</p> <p>As well as poor physical health, orphaned kittens miss out on the important lessons of being a cat from their mum and siblings, and this can lead to behavioural issues. Where we can, we will make sure such kittens get to join a stepfamily, but in cases such as Snake’s, illness means that isn’t always possible. It is then up to our human team to work with these little ones to help them learn to navigate the world with good manners!</p> <p>In contrast, Banjo had all the behavioural benefits of his brother but alas at seven weeks of age Banjo weighed only 560 grams while his brother Clancy weighed 900 grams!  </p> <p>Banjo was diagnosed with a rare form of congenital hypothyroidism. Because his condition was diagnosed early, his prognosis is very good. He was started on a medication called Thyroxine and went back into foster care so that we could monitor his progress and adjust the dose of his medication as necessary with follow-up blood tests. After six weeks in foster care, Banjo graduated to the adoption centre. He will need to be on Thyroxine for the rest of his life, but that didn’t daunt his new family who’ve told us Banjo is now thriving in his loving forever home.</p> <p>From individualised TLC and veterinary care for every cat and kitten, to helping human clients resolve cat challenges (from furniture scratching to strata bans) and strategic research and advocacy on behalf of people and cats, Cat Protection’s impact is so much greater than our budget. </p> <p>As an independent registered charity for cats, we’re dependent on donations and bequests to do our work. We are compliant, open and transparent; on our website you can see our audited annual reports for details of what we do and what it costs.</p> <p>We have a strict “no harassment” fundraising policy which means under no circumstances will your information be sold on, and we do not employ pressure-tactics or door-to-door solicitations. </p> <p>We don’t spend money paying fundraising companies to ring you at dinner time asking for money or send you five-page long letters insisting you give more. And we never will. </p> <p>Donations are invested in helping our feline friends and nurturing the unique bond between cats and people. Your generosity will mean that we can continue to help thousands of cats and people each year.</p> <p>If you can lend a paw, please <a href="https://www.givenow.com.au/catprotectionsocietynsw" target="_blank" rel="noopener">make your tax-deductible donation here</a>! </p> <p>For general advice on cat care and everything feline, call the Cat Protection Society of NSW on 02 9557 4818 or visit <a href="https://catprotection.org.au/" target="_blank" rel="noopener">catprotection.org.au</a>  </p> <p><em>Images: Supplied.</em></p> <p><em>This is a sponsored article produced in partnership with the <span style="font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Oxygen, Ubuntu, Cantarell, 'Open Sans', 'Helvetica Neue', sans-serif;">Cat Protection Society of NSW.</span></em></p>

Family & Pets

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Fun ways to boost memory in seniors

<p dir="ltr">Memory issues can seriously deteriorate the quality of life for seniors. To reverse the typically progressive process of memory loss, many solutions have been put forward. These include creative leisure activities aimed to work on the senior’s brain while providing relaxation.</p> <p dir="ltr">To work on a senior’s memory, it’s optimal to have them work on a project, focusing and seeing the work being done. There are plenty of games and activities available to help memory.</p> <p dir="ltr"><strong>Paint by Numbers</strong></p> <p dir="ltr">Paint by Numbers is a creative art form that involves painting a pre-drawn sketch on a linen canvas with reference numbers. It helps stimulate the intellect and senses. They’re available in colour books as well, you can find them at your local Kmart and select supermarkets.</p> <p dir="ltr"><strong>Diamond painting</strong></p> <p dir="ltr">Diamond painting is a manual activity where the senior creates beautiful pictures using rhinestones to stick onto a self-adhesive canvas. It calls for concentration, reflection, memorisation, and patience from the practitioner, which is beneficial for working on memory.</p> <p dir="ltr"><strong>Scratch painting</strong></p> <p dir="ltr">Scratch painting is a fun activity that involves scratching a picture with a coin or stylus, like a lottery scratch-off. It requires interest and concentration from the individual, who will enjoy the final picture and benefit their memory.</p> <p dir="ltr"><strong>Music therapy</strong></p> <p dir="ltr">Music therapy is used to treat and alleviate disorders, such as relational, behavioural, and communication difficulties. It also has benefits for seniors with memory problems, as it allows them to mobilise concentration, emotions, and memory in a playful way.</p> <p><span id="docs-internal-guid-70e6c7d1-7fff-2c54-f0e3-9408829a216a"></span></p> <p dir="ltr"><em>Image credit: Shutterstock</em></p>

Mind

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"Get a job": Ben Fordham slammed over interview with welfare recipient

<p>Ben Fordham has come under fire for a patronising interview with a welfare recipient, in which he tried to get the man, who is unable to work, a job live on air. </p> <p>On Wednesday morning, the 2GB radio host spoke with Jez Heywood, who is president of the Australian Unemployed Workers’ Union, and has been out of work since 2017 due to several health conditions. </p> <p>Mr Heywood had recently spoken to <em>The Australian</em>, sharing his frustration about the $20-a-week increase to Jobseeker, saying he was “angry” and “annoyed” at the federal government, describing the $2.85-a-day increase as “absolutely nothing”.</p> <p>Mr Heywood's commentary on the Jobseeker budget increase caught the attention of 2GB, who invited him to speak to Fordham, saying he “wanted to see whether we can find Jez a job”.</p> <p>Fordham asked Heywood if he was looking for work, to which Heywood shared that he is looking for work, but it is hard to find a job that would be suitable given his physical and mental health barriers. </p> <p>In response, Fordham told Heywood that "there are 54,000 jobs available right now in Melbourne".</p> <p>"That’s on the Workforce Australia website. So none of those 54,000 jobs are suitable to you or you’ve applied for them and they’re just not giving you the nod?"</p> <p>Heywood said he is applying for jobs that are "suitable" for his conditions, and is hearing nothing back from prospective employers. </p> <p>Fordham said a job would seemingly fix everything for Heywood, saying, "I reckon we can help your mental health if we get you into a job."</p> <p>Heywood seemingly appreciated the help, but also said it is important for him to consider what he is able to achieve in a job given his limitations. </p> <p>The tense exchange between Fordham and Heywood continued, as Heywood voiced his concerns and limitations with working, as Fordham seemed to dismiss his worries and said everything would be fine if he simply returned to work as a graphic designer. </p> <p>After the call, Heywood took aim at Fordham on social media, slamming the host as a “coward and a bully who’s been taking potshots at welfare recipients from the safety of his cosy radio studio for years”.</p> <blockquote class="twitter-tweet"> <p dir="ltr" lang="en">You're a dog Ben Fordham</p> <p>— Vulgar Boatman (@satisjacktion) <a href="https://twitter.com/satisjacktion/status/1658691768706269184?ref_src=twsrc%5Etfw">May 17, 2023</a></p></blockquote> <blockquote class="twitter-tweet"> <p dir="ltr" lang="en">I’ve never met a dole bludger. </p> <p>I *have* met plenty of people with unresolved trauma and mental and physical illnesses (often not-yet-diagnosed), who probably LOOK like bludgers, through a telephoto lens. </p> <p>People who are doing okay WANT to be busy and to work.</p> <p>— Catherine Caine (@CatherineCaine) <a href="https://twitter.com/CatherineCaine/status/1658665436916101120?ref_src=twsrc%5Etfw">May 17, 2023</a></p></blockquote> <p>He stood by his opinion that the Jobseeker payment should be at least $88 a day to keep recipients above the poverty line, and condemned Fordham for “calling me a dole bludger on national radio”.</p> <p>Fordham doubled down on his condescending treatment of Mr Heywood, saying, "I just want to find you a job, Jez."</p> <p><em>Image credits: Getty Images / Twitter</em></p>

Money & Banking

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“Extremely difficult”: Woman forced to live in car for over two years

<p> A Queensland woman has revealed the “extremely lonely” reality of living in her car.</p> <p>Wendy lived in shared accommodation for seven years, with a weekly room rent upwards of $200 a week.</p> <p>With the rent increases showing no signs of slowing down, the 52-year-old found herself living in her car for the past two and a half years.</p> <p>She has shared some tips for those in the same boat.</p> <p>“Downsize to the bare necessities you need, with just those few little luxuries like a good coffee and the barbecues,” Wendy said.</p> <p>She allows herself some luxuries, such as a gym membership, so she can have a shower, coffee and the occasional hot dinner.</p> <p>If she can’t keep up with her gym payments, Wendy exercises until she’s warm and hops into one of the cold public showers.</p> <p>She worked in construction cleaning, but the early start and late finishes became too difficult.</p> <p>“Transforming my car into a cleaning business was, as you can imagine, a bit unhygienic,” she said.</p> <p>She relies on welfare to get by, which is “extremely hard”.</p> <p>Wendy has a storage shed to help her keep some of her belongings, but the cost of that will see an increase from $45 to $60 a week,</p> <p>“I’m now going to even be pushed out of the storage,” she said.</p> <p>Wendy can access fresh food just once a fortnight when she visits Encircle Redcliffe Neighbourhood Centre, Queensland, otherwise, she’s stuck with a 3-day time frame of storing food in her car.</p> <p>Now with winter just around the corner, she parks her car in underground car parks to shelter from the elements.</p> <p>“As soon as they see you on camera, they’re concerned about me being there,” she said.</p> <p>“So I will be kicked out of there soon too.”</p> <p>It feels as though those in power have “turned a blind eye” to the reality of the housing crisis, Wendy said.</p> <p>“There’s no help out there for us, I’ve applied for housing and been denied.”</p> <p>The extra $40 announced in the federal budget for people on welfare was “definitely not enough”, Wendy said.</p> <p>Even going to the doctor has become “extremely hard”, Wendy said, as many have stopped bulk billing, which has forced her to travel further to find those who do so.</p> <p>She’s now facing car troubles, which only furthers her challenging situation.</p> <p>“I’m only using my car if it’s really necessary,” she said.</p> <p>Aside from discomfort, Wendy confessed living out of her car was “extremely lonely”.</p> <p>“It’s intimidating when people are walking past and staring at you — you feel like an extreme oddball in this world.”</p> <p><em>Image credit: 7NEWS</em></p>

Real Estate

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Federal Budget 2023: How to make the most of the key promises

<p dir="ltr">Treasurer Jim Charles has handed down his first budget for 2023/24, offering a series of measures aimed at tackling the cost-of-living crisis.</p> <p dir="ltr">Millions of Australians will receive a boost from the federal government medical care, bills and welfare payments, amid the forecast that the budget will be be in the black with a surplus of $4bn.</p> <p dir="ltr">Here’s what it means for you:</p> <p dir="ltr"><strong>Bill help</strong></p> <p dir="ltr">Those who are on the pension, a seniors card holder or a recipient of family tax benefits A and B will be eligible to get help with energy bills thanks to a deal between the states and Commonwealth that’s worth $1.5bn.</p> <p dir="ltr">That means over five million eligible households and one million eligible small businesses will benefit from the scheme.</p> <p dir="ltr">The relief will come in the form of credits that apply directly to their power bills rather than cash, and the amount they receive will depend on the state they live in.</p> <p dir="ltr"><strong>Medicare Relief</strong></p> <p dir="ltr">The incentives paid to GPs who bulk bill 11.6m eligible Australians including children under 16, pensioners and other concession card holders will increase.</p> <p dir="ltr">GPs will be able to claim the incentives for in-person consultations over six minutes long and certain telehealth consultations.</p> <p dir="ltr">GPs who bulk bill patients in the city will be paid a new incentive of $20.65 compared to the previous rate of $6.60, while regional GPs will receive a $31.40 incentive, up from $10.05.</p> <p dir="ltr"><strong>Welfare recipients</strong></p> <p dir="ltr">Over 1.1 million vulnerable Australians will benefit from a $40 fortnightly boost from September, if parliament agrees.</p> <p dir="ltr">The increased base rate will apply to people receiving JobSeeker, Youth Allowance, Parenting Payment (partnered), ABSTUDY, Disability Support Pension (Youth) and Special Benefit.</p> <p dir="ltr"><strong>Rental assistance</strong></p> <p dir="ltr">For many renters, this budget means that rent is forecasted to increase over the next year as the market tightens.</p> <p dir="ltr">However, for those currently receiving the maximum Commonwealth Rent Assistance allowance their payments will increase by 15 per cent.</p> <p dir="ltr">Here’s what the Federal Budget will look like at a glance:</p> <ul> <li dir="ltr"> <p dir="ltr">Budget deficit of $13.9 billion in 2023/24</p> </li> <li dir="ltr"> <p dir="ltr">Commonwealth net debt to rise to $574.9 billion (22.3 per cent of GDP) in 2023/24</p> </li> <li dir="ltr"> <p dir="ltr">Economic growth to fall to 1.5 per cent in 2023/24</p> </li> <li dir="ltr"> <p dir="ltr">Unemployment rate to rise to 4.25 per cent in 2023/24</p> </li> <li dir="ltr"> <p dir="ltr">Inflation as measured by CPI to be 3.25 per cent in 2023/24</p> </li> <li dir="ltr"> <p dir="ltr">Wages to rise by four per cent in 2023/24</p> </li> </ul> <p dir="ltr"> </p> <p dir="ltr">And here are the key measures the federal budget has promised:</p> <ul> <li dir="ltr"> <p dir="ltr">Energy bill relief for five million households and one million businesses</p> </li> <li dir="ltr"> <p dir="ltr">Triple bulk-billing incentives and more funding for urgent care clinics</p> </li> <li dir="ltr"> <p dir="ltr">Base rate of JobSeeker and other payments to be raised for 1.1 million households</p> </li> <li dir="ltr"> <p dir="ltr">Commonwealth Rent Assistant rise for 1.1 million households</p> </li> <li dir="ltr"> <p dir="ltr">Housing boost including tax breaks for build-to-rent investors</p> </li> <li dir="ltr"> <p dir="ltr">$4 billion extra for renewable energy</p> </li> <li dir="ltr"> <p dir="ltr">Tax breaks for small business to write-off assets and reduce energy costs</p> </li> <li dir="ltr"> <p dir="ltr">Targeted help for jobless aged over 55</p> </li> <li dir="ltr"> <p dir="ltr">Cut to cost of medicines</p> </li> </ul> <p><em>Image: Getty Images/ Martin Ollman / Stringer</em></p>

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Over-55s the only group to receive Centrelink payment boost

<p>Older recipients of JobSeeker will receive a higher welfare payment as the federal budget is set to include an increase in payments for 227,000 Aussies.</p> <p>According to <em>7News</em>, the budget will include an increase in the base rate of the JobSeeker for people aged 55 and above.</p> <p>The change honours Treasurer Jim Chalmers’ promise that an increase “will be focused on the most vulnerable”.</p> <p>Finance Minister Katy Gallagher previously committed to a “significant improvement” in terms of the budget.</p> <p>When asked if the rate of JobSeeker would be lifted, Gallagher revealed the budget would contain “ongoing” investments to help people with cost-of-living pressures, in addition to one-off measures.</p> <p>“This budget will have a significant cost-of-living package and that cost-of-living package will be targeted to the most vulnerable Australians,” she said.</p> <p>About 227,000 Jobseeker recipients are 55 and over, which is the highest number of any age group and the group most likely to be unemployed long-term, meaning they are without a job for five years or more.</p> <p>The majority of people in this group are women.</p> <p>Senior sources reportedly told <em>7News</em> that the increase will be modest, not the $100-a-week advocates are hoping for but what the budget can afford.</p> <p>The change is unlikely to please Raise the Rate campaigners, who have called for the government to bring payments above the poverty line.</p> <p><em>7News </em>reported that the government will sell the moderate increase as a “responsible first step”, an increase that will help the most vulnerable of JobSeeker recipients and honours its election commitment to do what it can to help within the restraints of the budget.</p> <p>The pressure continues to pile up for the government to substantially increase income support payments above $49.50 a day for singles on JobSeeker and $40.20 a day for Youth Allowance.</p> <p>An open letter to the Prime Minister, which has been signed by more than 300 politicians, community advocates and prolific Aussies, called for an increase to be included in the budget to support those most in need.</p> <p>“Right now, the rate of JobSeeker is so low that people are being forced to choose between paying their rent or buying enough food and medicine,” the letter, coordinated by the Australian Council of Social Service, read.</p> <p>In 2022, the council’s research found six in 10 people on income support were eating less or reporting difficulty getting medicine or care due to their inadequate income. This increased to seven in 10 in March 2023.</p> <p>The budget plans to extend single-parenting payments and increase rental assistance - particularly for women.</p> <p>Around $120 billion in Morrison Government road and rail projects will be reviewed and money reprioritised, with hundreds of smaller projects likely to be stopped.</p> <p><em>Image credit: Getty</em></p>

Money & Banking

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Jackie O sends welfare check for concerning caller

<p>Radio giant Jackie ‘O’ Henderson has requested a welfare check for a listener after receiving a distressing phone call on The Kyle and Jackie O show.</p> <p>The caller, Michael, who made it on air at about 6:30 am during the First Calls segment on the show, proceeded to sing a song about suicide, blindsiding the presenters.</p> <p>The song was Fade to Black by U.S heavy metal band Metallica, from their 1984 album <em>Ride the Lightning</em>. The bleak track is about wondering if life is worth living and wishing for death.</p> <p>Michael did not advise the hosts that he would be singing the song, and had told producer ‘Intern Pete’ Deppeler off air that he was a ‘comedian’ and ‘had a few jokes to tell’.</p> <p>Henderson seemed concerned and asked the team to make sure the listener was okay.</p> <p>The dismal segment started soon after an ad break, with host Kyle Sandilands asking, “You want to ring up for anything? First Calls, 13 10 65 will get you through. Michael has called in. Hey, Michael.”</p> <p>“Hello,” Michael responded, sounding dismal, which the hosts recognised was off as Sandilands was quick to mimic ‘hello’ back.</p> <p>Sandilands asked how the listener was doing, to which Michael replied, “Oh, not bad. I [inaudible] have a quick ten-second song I'd like to... sing for you.”</p> <p>'What, sorry? A song?' Henderson asked.</p> <p>“It goes like this,” Michael said, before singing the lyrics to Fade to Black, “.. lost the will to live / Simply nothing more to give / There is nothing more for me / Need the end to set me free.”</p> <p>Michael put his own spin on the song, singing lyrics that don’t appear on the track, “Never cared for no one else” before quickly hanging up.</p> <p>“Don't be like that…”, a baffled Sandilands said after Michael abruptly ended the call.</p> <p>Henderson feared the worst, immediately asking producers, “Is he alright? That didn't sound good, guys. What were you getting off air? Because that sounded like a goodbye song to me.”</p> <p>Sandilands tried to reassure Henderson, saying “He seems fine. He seems fine.”</p> <p>Deppeler, who had spoken to Michael during the ad break and briefed him on what would be discussed on air said, “He was normal to me,”</p> <p>When Henderson asked what they’d spoken about during the ad break, Deppeler told the presenter, "He said, 'I'm a comedian, I've got a few jokes to tell, I've got a new song.'”</p> <p>“So he went rogue on you?' Henderson asked, with Deppeler replying, “A little bit rogue, yeah”.</p> <p>Henderson asked Deppeler to “call him back and check he's okay,” adding, "He just hung up and said this is the end for me. Just check he's alright, that guy.”</p> <p>She awkwardly laughed as she and Sandilands scolded Deppeler for having such a grim listener as the first caller following a two-week break.</p> <p>The presenters then moved on to the second caller, A woman called Debbie.</p> <p><em><strong>Help is available, speak with someone today.</strong></em></p> <p><em><strong>Crisis support is available from <a href="https://www.lifeline.org.au/" target="_blank" rel="noopener">Lifeline</a> on 13 11 14.</strong></em></p> <p><em><strong>Support is available from <a href="https://www.beyondblue.org.au/" target="_blank" rel="noopener">Beyond Blue</a> on 1300 22 4636.</strong></em></p> <p><em>Image credit: Instagram</em></p>

Caring

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A horse died on the set of The Rings of Power: more needs to be done to ensure the welfare of horses used in entertainment

<p>The recent <a href="https://variety.com/2023/tv/news/rings-of-power-horse-death-lord-of-the-rings-peta-1235564884/">death of a horse</a> on the set of Amazon’s <a href="https://www.imdb.com/title/tt7631058/">The Lord of the Rings: The Rings of Power</a> is the latest incident raising questions about how humans use horses for entertainment and sport.</p> <p>While a statement from producers said the horses’s cardiac arrest occurred before the day’s filming began, animal rights activists PETA used the death to call on all screen producers to replace on-set horses with CGI and mechanical rig alternatives.</p> <p>The incident feeds into growing public concern about horse welfare on film and TV sets, at the track and in equestrian sports.</p> <p>But improving horse welfare is about more than just reputation repair – too often it’s about survival for horses and humans.</p> <h2>Horse welfare in film and TV</h2> <p>The riding of a horse over a cliff to its death for the movie Jesse James (1939) led to the establishment of <a href="https://humanehollywood.org/about-us/">American Humane</a>, which now oversees around 100,000 animals on more than 1,000 productions each year.</p> <p>While things have improved since the early days of film and television, deaths and mistreatment of horses still occur.</p> <p>In 1987, on the set of <a href="https://trove.nla.gov.au/newspaper/article/118307194">The Man From Snowy River II</a>, a seriously injured horse was killed using the blunt end of an axe.</p> <p>More recently, the high-profile series <a href="https://www.foxnews.com/entertainment/the-real-story-behind-hbos-cancellation-of-luck">Luck</a>, starring Dustin Hoffman, was cancelled following the deaths of three horses.</p> <h2>The good and bad of unprecedented global exposure</h2> <p>In 2021, the Tokyo Olympics beamed to a global audience the excessive <a href="https://7news.com.au/sport/olympics/peta-calls-for-abusive-equestrian-events-to-be-axed-from-olympics-c-3703388">whipping and punching</a> of modern pentathlon horse Saint Boy and show jumper Kilkenny’s <a href="https://www.chronofhorse.com/article/kilkenny-suffers-nosebleed-during-olympic-individual-final">spectacular nosebleed</a> during the controversial show jumping program.</p> <p>While the bleed must have been obvious, officials did not intervene to stop the ride.</p> <p>Confronting images, and the perceived failure of organisers to protect the horses involved, brought into clear and global focus the indisputable welfare issues faced by horses competing at the elite level.</p> <p>The global outcry led to <a href="https://www.dailymail.co.uk/tvshowbiz/article-9892093/Name-price-Kaley-Cuoco-offers-buy-horse-cruelly-punched-Olympics.html">actress Kaley Cuoco offering to buy Saint Boy</a> and the <a href="https://www.theguardian.com/sport/2021/nov/02/modern-pentathlon-votes-to-ditch-horse-riding-after-tokyo-olympic-turmoil">withdrawal of the equestrian phase from modern pentathlon</a>.</p> <h2>Risk to humans and horses</h2> <p>Horse welfare does not just impact animals.</p> <p>Since the 1840s, 873 jockeys are known to have <a href="https://www.thoroughbredracing.com/articles/2062/facts-and-figures-jockey-fatalities-australia/">died in race falls</a> in Australia.</p> <p>Internationally, the sport of eventing (where competitors complete three phases: dressage, show jumping and cross-country) reported 38 rider and 65 horse fatalities during or after competition between 2007-15.</p> <p>Riding horses is considered one of the most <a href="https://beva.onlinelibrary.wiley.com/doi/abs/10.1111/evj.13934">dangerous of all sporting pursuits</a>, and the deaths of riders and jockeys, usually from falls, are common.</p> <p>Public concern about risk to horses and humans through horse racing and equestrian sports, as well as screen production, also <a href="https://www.mdpi.com/2076-2615/12/15/1987">threaten these industries’ social licence</a>.</p> <h2>Better horse welfare is related to better rider safety</h2> <p>Our research offers hope for the horse industry and for those passionate about riding horses.</p> <p>Last year, we <a href="https://www.sciencedirect.com/science/article/abs/pii/S0168159121003269">published a paper</a> demonstrating the link between horse welfare and rider safety. We asked riders how they cared for their horses and how their horses behaved when ridden – for example, we wanted to know how often horses were bucking or rearing.</p> <p>From this information, we calculated a relative welfare score for each horse. We also asked riders about their accidents and injuries.</p> <p>After analysing the data from over 400 riders, we found the higher the horse welfare score, the fewer accidents and injuries a rider reported.</p> <p>In a <a href="https://www.tandfonline.com/doi/full/10.1080/08927936.2023.2176589">subsequent study</a>, we found horses with better welfare scores are more enjoyable to ride, most likely because they perform better and riders feel more in control, creating a win-win for horses and riders.</p> <h2>Good horse welfare means more than good health</h2> <p>Often good welfare is thought of in terms of an animal being healthy.</p> <p>While this is part of good welfare, good health alone is not enough – especially for a horse competing at the elite level or taking part in a film.</p> <p>Horses are <a href="https://www.sciencedirect.com/science/article/pii/S0168159117300710?casa_token=5E77h_TYKGEAAAAA:EUBGz7BTnACvpvB_3iYM-urXpBxJbS95G0-05yMRJEbMTg_SEeb_VnSoVgn35su8_aNOZEpSqctL">neophobes</a> – this means they find new things frightening – so most horses are likely to find a movie set or travelling to a new location stressful. The most up-to-date <a href="https://www.mdpi.com/2076-2615/10/10/1870/htm">understanding of welfare</a> tells us that stress and poor mental health means poor animal welfare.</p> <p>When a horse is stressed or in pain they <a href="https://www.sciencedirect.com/science/article/abs/pii/S0168159117300692">behave in a very predictable way</a> – they run away, panic, kick out or buck and rear.</p> <p>Yet, anecdotally and in the media, people seeing a horse behaving in this way often claim the horse is crazy, unpredictable or just plain mean.</p> <p>More likely, an “unpredictable” horse is suffering from poor welfare.</p> <p>As part of our research program, we have developed a <a href="https://hub.rspca.org.au/attachments/88">new framework</a> to help horse owners identify aspects of their care and training that diminish horse welfare.</p> <p>This information can be used to make modifications to improve horse welfare, and, importantly, can be applied to horses in any equine sector, including racing, sport and film and television.</p> <h2>Investing in the future of horses in entertainment and sport</h2> <p>Although a veterinarian assessed the recent horse death on the set of The Rings of Power as “unlikely to be associated with the horse’s participation in the film”, more can be done to protect horses and the industry.</p> <p>In Australia, <a href="https://www.mdpi.com/2076-2615/11/7/1986">no specific standard exists for the use of animals</a> in filmed media, and each state and territory has differing risk management guidelines.</p> <p>An opportunity now exists for the industry to set a new standard for horse care and training.</p> <p>An easily executable first step for the industry could be to insist a scientifically trained and credentialed equine behaviour expert be involved in the recruitment and supervision of horse actors and their trainers at all stages of production.</p> <p>This would ensure horse actors are appropriately trained to be on set and that horses are trained using the most up-to-date ethical methods.</p> <p>Horse behaviour experts could also help in scene design to minimise horses’ exposure to stressful situations and identify tasks that are incompatible with good horse welfare.</p> <p>If these suggestions were to be adopted, the film and television industry would be setting the benchmark for horse welfare – and pressure other horse industries to follow suit.</p> <p><em>This article originally appeared on <a href="https://theconversation.com/a-horse-died-on-the-set-of-the-rings-of-power-more-needs-to-be-done-to-ensure-the-welfare-of-horses-used-in-entertainment-202939" target="_blank" rel="noopener">The Conversation</a>.</em></p> <p><em>Images: The Rings of Power / Amazon</em></p>

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