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Christchurch attack victims' families reflect on tragedy five years on

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. Now, the victims' families have reflected on the tragic day, and commemorated their loved ones on the five-year anniversary of the attacks. Dr Maysoon Salama, who lost her son Atta Elayyan, 33, relives the grief of losing her son every day. “The pain is still fresh,” she told 7NEWS. Five years on, the good memories she shared with her son still play back in her mind. “Atta was an amazing son,” she said. “He’s touched the lives of so many people.” Despite the tragedy, Dr Salama remains strong and finds herself healing through her granddaughter Aya. “I feel like I see her father when I see her,” she said. “It’s a really hard journey ... but she has always been my focus.” 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. “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. “How are we going to tell her when she’s so attached to her daddy? She loved him so much.” 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”. “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. The couple run a Muslim childcare centre An-Nur, and have worked together to help children navigate New Zealand's darkest days. 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. “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. “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. “It was really an awful situation.” 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. Aya Al-Umari lost her brother, Hussein, on the fateful day. “It happened so suddenly, I had no time to grieve,” she said. 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. “He had the opportunity to escape, but he didn’t,” she said. “He was running towards the terrorist. “It really goes to show, especially in his last moments, he was always a giver.” 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. 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. 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. “We can fight Islamophobia by challenging the biases and educating ourselves also and intervening against discrimination. “See something, say something.” Canterbury's Muslim community will also gather today to honour the victims with a commemoration service at Masjid Annur in the evening, according to <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>. 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". Images: 7News

Caring

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

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. 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. 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. 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. 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. Ms Stephenson told the Courier Mail, “The week before it happened, Sam texted the landlady and asked for the smoke alarms to be updated.” She claims she knew of at least three times her daughter had asked for the smoke alarms to be fixed. “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. 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. Image credits: Facebook

Legal

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

<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> 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>. 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>. 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. <h2>1. Understand the broader economic conditions</h2> 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. 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. <h2>2. Review your income sources</h2> The ability to earn income is critical to sustaining livelihoods. Having a definite source of income is the bedrock of budgeting. Some important questions you should ask about your income – and how you might budget with it – include: <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> 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. <h2>3. Appraise your expenses</h2> Expenses can be broadly categorised into “variable” and “fixed”. 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. 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: <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> 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. <h2>4. Stabilise your finances through savings</h2> 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. 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. Therefore, it is advisable to improve the value of savings through investments in interest-yielding assets such as stocks, shares, bonds, microfinance and production. 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. 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. <h2>5. Run a flexible budget</h2> 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. Also, health emergencies or career advancement programmes can require taking some money out of our savings. 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" /> <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> Image credits: Getty Images This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/five-tips-for-developing-and-managing-your-budget-even-in-tough-economic-times-195590">original article</a>.

Money & Banking

Downsizing cost trap awaits retirees – five reasons to be wary

<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> 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. 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. 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. 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. <h2>Reason 1 – upfront moving costs are high</h2> 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. For cities such as Melbourne and Sydney, these costs are likely to exceed A$70,000. 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>. <h2>Reason 2 – levies are high</h2> 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. 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. The costs of maintaining essential services, such as mandatory fire-alarm testing, yearly engineering certification, lift and air-conditioning inspections, significantly increase ownership costs. 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>. Owners of standard suburban homes choose whether they want these services, with those on fixed incomes going without them. 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>. <h2>Reason 3 – costs of maintenance</h2> <figure class="align-right "><figcaption></figcaption></figure> Apartments are often sold as a maintenance-free solution for older people. The maintenance is not free. It needs to be paid for. 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. <h2>Reason 4 – loss of financial security</h2> 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. 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. 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. Costs of upgrading the inside of an apartment (a bathroom disability upgrade, for example) are additional again. 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. Owners who buy apartments that are part of a body corporate effectively lose control of their future financial decisions. <h2>Reason 5 – loss of security of tenure</h2> 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. There are valid reasons why termination legislation is desirable, as many older apartment complexes are reaching the end of their useful life. 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. <h2>Downsizing raises poverty risks</h2> 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. 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. 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. 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. 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" /> <a href="https://theconversation.com/profiles/erika-altmann-361218">Erika Altmann</a>, Property and Housing Management Researcher, <a href="https://theconversation.com/institutions/university-of-tasmania-888">University of Tasmania</a> Image credits: Getty Images This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/downsizing-cost-trap-awaits-retirees-five-reasons-to-be-wary-80895">original article</a>.

Retirement Income

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

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. 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. 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. 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. Four others were injured, while a boy is fighting for his life in hospital. “I haven’t seen anything this drastic for a long time,” he said. “Any time you have five people die at a particular scene, it’s horrible.” “There are families that have got loved ones that are no longer going to be around.” “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.” The driver of the BMW, a 66-year-old man, was taken to hospital with non-life-threatening injuries. "The exact circumstances surrounding the collision are yet to be determined and investigations remain ongoing," Superintendent Fitzpatrick said. “We are waiting to speak to him… It’s a very complex scene.” 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. “We’re all pretty shocked,” she said. “It’s pretty bad, I’ve never seen anything so traumatic in my life.” “There were bodies everywhere, it was horrifying,” she said. “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.” Infrastructure Minister Catherine King, whose electorate Ballarat includes Daylesford, said the community was “devastated” by the incident. “Five people have lost their lives, and their families’ lives have changed forever. “It will really have shocked a lot of people, and I think we’re really only just coming to terms with what happened today.” “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.” Image credits: Nine News

News

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

<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> 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. 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. 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. 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. 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. 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. <h2>1. Set specific savings goals</h2> 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. 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. <h2>2. Seek professional financial advice</h2> Rather than relying on friends, family and social media for financial advice, speak to an expert. 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. 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. <h2>3. Brush up on your maths</h2> <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. 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. <h2>4. Adopt appropriate savings strategies</h2> 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. 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. <h2>5. Set, monitor and adjust your plan</h2> 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. 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. 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. 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" /> <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> Image credits: Shutterstock 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>.

Money & Banking

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

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. Savannah Kemp's mother Bryana remembered her daughter as a “precious” and “sassy” little girl who “had the biggest heart”. Savannah leaves behind three brothers - Layton, Cayden and Ryley, as well as her devastated mother. Bryana said in a statement that Savannah was due to start kindergarten at Guthrie Street Primary School with her three older brothers in 2024. "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." “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." 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. “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. “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.” Savannah was “destined for great things”, Bryana said. “My sweet little baby, if (you) had the chance (you) would have ruled this world.” 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. Several other people were seriously injured in the crash, including a 32-year-old pregnant woman, whose unborn baby later died. The driver of the car Savannah was a passenger in, a 26-year-old Shepparton woman, was also taken to hospital with serious injuries. 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. A Victoria Police spokesperson said that officers are still working to establish the exact circumstances surrounding the collision. Image credits: GoFundMe

Caring

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

<a href="https://theconversation.com/profiles/hui-yun-chan-715995">Hui Yun Chan</a>, <a href="https://theconversation.com/institutions/university-of-huddersfield-1226">University of Huddersfield</a> Many people who are struck with sudden, progressive or terminal illness are <a href="https://theconversation.com/why-are-patients-in-permanent-comas-routinely-kept-alive-43365">kept alive mechanically</a>, while families and doctors make decisions about treatment. As a researcher in medical law, particularly end-of-life decision-making, I have seen how this can become a minefield of legal and ethical problems. UK law allows people to plan in advance of any debilitating illness, and thus have some control over future treatment. This is known as “<a href="https://www.nhs.uk/conditions/end-of-life-care/advance-decision-to-refuse-treatment/">advance decisions</a>”. While these laws are in place, research shows the <a href="https://rm.coe.int/cdcj-2017-2e-final-rapport-vs-21-06-2018/16808b64ae">majority of people disregard or defer the discussions</a> primarily because they do not know how to raise them, or what to expect. While planning for your eventual demise probably sounds as fun as pulling teeth, it can be empowering. Following from <a href="https://pure.hud.ac.uk/en/publications/advance-directives-rethinking-regulation-autonomy-amp-healthcare-">my recent book</a>, here are five tips for how you can use the law to help you plan for what you want in the future – and make your voice heard when you may no longer have one. <h2>1. Gather information from experts</h2> First, you must think, gather information and talk to experts about how life can unfold in the case of progressive illness. This is important whether you are well but thinking about future incapacity, or whether you have actually been <a href="https://www.4pb.com/case-detail/re-ak-medical-treatment-consent/">diagnosed with illness</a>. A solicitor with expertise in advance directives can help you understand important laws, such as those that dictate when a person has <a href="https://www.legislation.gov.uk/ukpga/2005/9/contents">sufficient “mental capacity”</a> to make lawful decisions. Lawyers can help you draft your will, and advise on how to protect or pass on your estate – including <a href="https://www.gov.uk/inheritance-tax">hidden costs</a>. They can also help you <a href="https://www.gov.uk/power-of-attorney">nominate someone</a> to make medical decisions for you when you become incapacitated, and decide the limits of their power. Do not just assume that your family members automatically have the power to decide for you legally. If you are ill, ask a doctor to inform you how your condition will progress so you can decide how you will deal with future events. For example, with dementia and other progressive illnesses, you must consider what quality of life you would tolerate. Similarly, in the case of pain, what treatment you would accept or refuse? Think big picture about your future life. Would you trade quantity of life for quality, opting for less time but with better quality of life? <h2>2. Setting your decisions in stone</h2> Now you have made some important decisions, the next step is about making these decisions clear in the right way, to the right people, and at the right time. I have <a href="https://www.springer.com/gp/book/9783030009755#aboutBook">documented many cases</a> across England and Wales where advance directives are disputed because they are invalid or inapplicable and there is a dispute about whether they are still legally able to make decisions. Considering your health, you may want to get a <a href="https://www.bma.org.uk/advice/employment/ethics/mental-capacity/assessing-mental-capacity">formal assessment</a> of your mental state and ability to make decisions. You should record any conversations you have in writing. Documents that show you have been supported (by friends, family or professionals) in your decision-making boost the validity of your choices, <a href="https://brill.com/view/journals/ejhl/25/1/article-p24_24.xml?lang=en">making them more binding</a> for healthcare professionals. Legally, just revealing your treatment preferences to your doctor or friends <a href="https://swarb.co.uk/w-healthcare-nhs-trust-v-kh-ca-17-sep-2004/">is not enough</a>. Writing things down is important, though never easy. Ask family or friends to support you in this process. If a loved one is aware of the choices you have made they are less likely to object to your medical decisions because they have been part of the decision process. <h2>3. Update when your situation changes</h2> Many people are caught out when their <a href="https://compassionindying.org.uk/making-decisions-and-planning-your-care/planning-ahead/advance-decision-living-will/review-update/">personal situation changes</a>, but they have failed to update their advance directives to reflect this – such as changing romantic relationships. Family conflict by your bedside is the last thing you want. Even if your circumstances are the same, regularly update to avoid “what was I thinking?” moments when it’s too late. <h2>4. Make sure it gets found</h2> Inform your family, doctors and lawyers what your advance directives are and where to find them. If the right people don’t have access to your directives, they are useless. In a recent example, the family of a Warwickshire woman was granted a £45,000 payout after she was <a href="https://www.bbc.co.uk/news/uk-england-coventry-warwickshire-42240148">kept alive for 22 months against her will</a> – as the relevant documents had been misplaced. <h2>5. Don’t forget your online life</h2> Discussions on social media about how you wish to spend your twilight days may help as <a href="https://brill.com/view/journals/ejhl/25/1/article-p24_24.xml?lang=en">supporting information</a> to ensure the wishes in your advance directives are strengthened. You should also think about who you want to be granted (or denied) access to your online accounts and social media after your death. Streamlining this process, you can now <a href="https://www.theatlantic.com/technology/archive/2013/04/google-death-a-tool-to-take-care-of-your-gmail-when-youre-gone/274934/">create a social media will</a> online. Drafting an advance directive is an exercise in liberty. It allows our beliefs and preferences to be made clear even when we are physically or mentally unable to express them ourselves. An advance directive is our voice when we no longer have one. Use your voice wisely.<img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/122296/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/hui-yun-chan-715995">Hui Yun Chan</a>, Senior Lecturer in Law, <a href="https://theconversation.com/institutions/university-of-huddersfield-1226">University of Huddersfield</a> Image credits: Getty Images This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/five-things-to-do-before-you-die-because-planning-your-eventual-demise-takes-preparation-122296">original article</a>.

Legal

Why you should throw out five things every Monday

Throw out five things 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. Do a once-over 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. Clean your exhaust hood vent 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. Clear out your "drop zone" 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. 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. Vacuum 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. Water your plants 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. Mow the lawn 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. Change your bath towels 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. Image credits: Getty Images 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>.

Home & Garden

Buxton crash driver pleads guilty over five teen deaths

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>. The teen arrived at Picton Local Court on Thursday surrounded by family members who shielded his face from cameras using an umbrella. 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. "Guilty, your honour," Edwards would repeat as each count was read out to him. 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. Summer Williams, Antonio Desisto, Gabriella McLennan, Lily Van de Putte, and Tyrese Bechard were all pronounced dead at the scene. The court was told that the car only had seatbelts for four passengers in addition to the driver. 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. But the Magistrate denied the plea, as they believed it wasn't a good enough excuse for Edwards to remain at liberty until then. "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. "Accordingly his bail is revoked, and you will remain in custody, Edwards." 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. "And the impact was at speed and had a devastating effect," he said. Edwards faces a maximum of 14 years in prison for each of the charges. Image: Facebook/ Nine News

Legal

John Legend welcomes new baby only FIVE MONTHS after last one

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. The couple shocked fans with the surprise announcement since their third baby, a daughter named Esti, was born just five months before Wren. John posted a sweet family pic with the caption: “Wren Alexander Stephens, our new love.” The newborn’s middle name was inspired by his surrogate mum, Alexandra. <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> </div> </blockquote> Chrissy also posted a lengthy Instagram update on their surrogacy process, and also mentioned her late son Jack. “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. “After losing Jack, I didn't think I'd be able to carry any more babies on my own. “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. 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. “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.” “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.” She added that their IVF success coincided with the time they met Wren’s surrogate mum and shared the appreciation she had for Alexandra. “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. 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.” <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> </div> </blockquote> Chrissy shared how overjoyed she was pregnant with her “best friend” and how grateful she was. “We want to say thank you for this incredible gift you have given us, Alexandra. “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. The happy news comes almost two years after the celebrity couple lost their son Jack 20 weeks into Chrissy’s pregnancy. Images: Instagram

Family & Pets

Five easy ways to use less water at home – and not just in a drought

<a href="https://theconversation.com/profiles/niko-wanders-1234321">Niko Wanders</a>, <a href="https://theconversation.com/institutions/utrecht-university-1354">Utrecht University</a> With so much of the world suffering from drought, you might think your ability to help is minimal. But when you consider the average person in the UK uses around <a href="https://www.water.org.uk/news-item/vast-majority-of-brits-have-no-idea-how-much-water-they-use-each-day/">142 litres of water a day</a>, it’s easy to see how small changes to your routine can add up. More than half of the water that is extracted from rivers, streams and aquifers in the UK feeds the <a href="https://www.gov.uk/government/statistical-data-sets/env15-water-abstraction-tables">public water supply</a>. These abstractions, as they’re called, worsen drought conditions by draining local waterways, depriving vegetation, fish and other aquatic life of the water they need to survive droughts. Filling paddling pools to cool off, taking multiple showers each day to stay clean, watering the garden to revive wilting plants – all these extra activities contribute to a sharp increase in public water use on hot and dry days. And these impacts can endure for months, as freshwater systems need a lot of additional rainfall to recover from droughts. If each person can reduce their water use during a drought, it would significantly benefit the natural world in its recovery. Here are five things you can do, starting today. <h2>1. Shower less</h2> Most of the water you use is <a href="https://www.water.org.uk/news-item/vast-majority-of-brits-have-no-idea-how-much-water-they-use-each-day/">in the shower</a>. For every minute you’re under the shower head (depending on how powerful it is), around 10 litres of water drains away. Since most people shower for <a href="https://www.mirashowers.co.uk/blog/trends/revealed-what-brits-are-really-getting-up-to-in-the-bathroom-1/#:%7E:text=Most%20Brits%20(62%25)%20bathe,latest%20UK%20shower%20habits%20survey.">an average of seven minutes</a>, half of your daily water use takes place first thing in the morning. Turning off the shower while shampooing your hair or applying shower gel can help conserve water, as can shortening the length of your shower overall. Be sure not to switch to a bath though – the average soak in the tub uses <a href="https://www.water.org.uk/news-item/vast-majority-of-brits-have-no-idea-how-much-water-they-use-each-day/">around 80 litres of water</a>. <h2>2. Use rainwater in the garden</h2> <figure class="align-right zoomable"><figcaption></figcaption></figure> During a dry spell, the average gardener can use <a href="https://www.southwestwater.co.uk/siteassets/documents/uwu-0618-web-version.pdf">hundreds of litres</a> of water to keep their plants hydrated. Some people will use a watering can (good), others might leave a sprinkler on all day (bad). Most use drinking water, which is a waste – plants are happy with rain water. Add a water butt that collects the rain which falls on your roof and use it for the garden. To find out how to install one, <a href="https://www.youtube.com/watch?v=2jk0lstsu5o">watch this</a>. <h2>3. Use the short flush</h2> Per flush, your toilet uses about <a href="https://www.water.org.uk/news-item/vast-majority-of-brits-have-no-idea-how-much-water-they-use-each-day/">5 litres of water</a>, and up to 10 litres in older models. If available, use the short flush to significantly reduce how much water is wasted. <h2>4. Cut back on car washing</h2> If you need to wash your car, do it the old-fashioned way with a bucket and soap rather than hosing it down. The water contained in a bucket (<a href="https://www.water.org.uk/news-item/vast-majority-of-brits-have-no-idea-how-much-water-they-use-each-day/">roughly 30 litres</a>) is significantly less than the average that flows through a hose (around <a href="https://www.southwestwater.co.uk/siteassets/documents/uwu-0618-web-version.pdf">15 litres per minute</a>). Better yet, avoid washing your car entirely during a drought. <h2>5. Reuse water</h2> If you’re washing vegetables, you could collect the water in a bowl in the sink and later give it to the plants in your house or outside. While you’re waiting for warm water to come out of a tap, use the cold to fill the kettle. Close the tap while you’re lathering your hands with soap or brushing your teeth. Though these are only small savings, they do make a difference over time. Inflatable pools are lovely for cooling down on the hottest days. A cleaning pump can filter the water and recycle it without you needing to use more water to keep the pool clean. <h2>Save water, save money</h2> All these tips can significantly reduce your water use and combat the effects of drought on the environment. They can also save you money. If you’re able to renovate your home, it’s worth installing a system for collecting rain water which, combined with a pump, can flush toilets. In Belgium, for example, it is common practice to have such a system installed (effectively, a large underground water butt) in newly built houses. Most people would struggle to afford these kinds of measures, and so drought-proofing homes and communities should be part of the effort to adapt countries to the extreme weather expected in a rapidly warming world. Image credit: Shutterstock <hr /> <figure class="align-right "><figcaption></figcaption></figure> Don’t have time to read about climate change as much as you’d like? <a href="https://theconversation.com/uk/newsletters/imagine-57?utm_source=TCUK&utm_medium=linkback&utm_campaign=Imagine&utm_content=DontHaveTimeTop">Get a weekly roundup in your inbox instead.</a> Every Wednesday, The Conversation’s environment editor writes Imagine, a short email that goes a little deeper into just one climate issue. <a href="https://theconversation.com/uk/newsletters/imagine-57?utm_source=TCUK&utm_medium=linkback&utm_campaign=Imagine&utm_content=DontHaveTimeBottom">Join the 10,000+ readers who’ve subscribed so far.</a><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/187885/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <hr /> <a href="https://theconversation.com/profiles/niko-wanders-1234321">Niko Wanders</a>, Assistant Professor in Hydrological Extremes, <a href="https://theconversation.com/institutions/utrecht-university-1354">Utrecht University</a> 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-easy-ways-to-use-less-water-at-home-and-not-just-in-a-drought-187885">original article</a>.

Home & Garden

Five ways to manage your doomscrolling habit

<a href="https://theconversation.com/profiles/christian-van-nieuwerburgh-1157439">Christian van Nieuwerburgh</a>, <a href="https://theconversation.com/institutions/rcsi-university-of-medicine-and-health-sciences-788">RCSI University of Medicine and Health Sciences</a> Doomscrolling, according to <a href="https://www.merriam-webster.com/words-at-play/doomsurfing-doomscrolling-words-were-watching">Merriam-Webster</a>, is “the tendency to continue to surf or scroll through bad news, even though that news is saddening, disheartening, or depressing”. For many it’s a habit born of the pandemic – and one that is likely to stay. Some health experts recommend limiting access to social media to <a href="https://www.health.com/mind-body/what-is-doomscrolling">reduce the negative effects of doomscrolling</a>, and popular magazines <a href="https://www.wired.com/story/how-to-stop-doomscrolling-psychology-social-media-fomo/">highlight the risks</a> of social media addiction. According to the BBC, the barrage of negative coverage of doomscrolling has led to some people <a href="https://www.bbc.com/news/business-60067032">ditching their smartphones</a> altogether. Although research showing the negative effects of doomscrolling is convincing and the <a href="https://www.tandfonline.com/doi/full/10.1080/1461670X.2021.2021105">recommendations are clear</a>, few of us seem to be following this well-intentioned advice. There are a few reasons for this. First, blocking out news during times of crisis may not be such a good idea. Second, many of us <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC4675534/">don’t respond well</a> to being told what we can and cannot do. Finally, being asked not to do something can make matters worse. It can push us into a negative frame of mind and make us <a href="https://www.psychologytoday.com/us/blog/words-can-change-your-brain/201208/why-word-is-so-dangerous-say-or-hear">less likely to change our behaviour</a>. Rather than quitting doomscrolling, what if we simply got better at managing it? It is helpful to start by acknowledging that seeking news and information during times of crisis is perfectly normal. In fact, this response is hard-wired in us humans. Staying alert to danger is part of our survival mechanism. Gathering information and being prepared to face threats have been key to our survival for millennia. Right now, there are many threats facing us: a war in Europe that could escalate to nuclear conflict, a pandemic that has already killed millions of people and predictions of a climate catastrophe, alongside many other natural disasters and human conflicts across the world. In this context, it is not surprising that we want to be alert to danger. Wanting to learn more about what is happening and equipping ourselves with the latest information is perfectly reasonable. Rather than avoiding the news altogether, let’s make sure that we are getting what we need from our interactions with the news. Here are five suggestions to achieve this. <h2>1. Choose how much time you’re going to invest in consuming the news</h2> Why not include all the ways you access the news? What amount of time each day seems reasonable to you? Once you have a time window, try sticking to it. <h2>2. Be aware of confirmation bias when choosing what to consume</h2> Remember, you are the consumer and you can choose what to learn about. However, we need to be aware of a tendency that psychologists call “<a href="https://www.simplypsychology.org/confirmation-bias.html">confirmation bias</a>”. This is when we favour information that supports our existing beliefs or viewpoints. In other words, we sometimes seek news that confirms what we already believe. This may have been one reason you clicked on this article. So just be aware of this tendency and be aware of what you’re not choosing to read. <h2>3. Check the source</h2> Any time you consume anything, it is helpful to know its source. Who has posted this information? Why are they sharing it with you? Are they trying to convince you of something? Are they trying to manipulate you to think or behave in a particular way? Knowing the answers to these questions will support you to stay in control of how you use the information that you have gathered. <h2>4. Remember that things are not always black or white</h2> We live in an increasingly polarised world. According to psychologists, “polarised thinking” is a <a href="https://exploringyourmind.com/polarized-thinking-cognitive-distortion/">cognitive distortion</a> (thinking error) that can occur when we’re under pressure. It is the tendency to see things as black or white, rather than recognising that we live in a world with many colours and shades of grey. Find ways to hold strong views while remaining curious about other opinions. Selecting and consuming articles that represent differing opinions may support this. <h2>5. Be biased towards the positive</h2> One reason that doomscrolling can be so detrimental is that many of us are drawn to negative information. Psychologists call this the “<a href="https://positivepsychology.com/3-steps-negativity-bias/">negativity bias</a>”. From an evolutionary perspective, it has been important for us to prioritise negative stimuli (threats such as predators) over positive stimuli (enjoying the warmth of a summer’s day). To counterbalance this tendency, we can adopt a bias towards the positive as we consume news. In practical terms, this means seeking positive news stories to balance out our experience of staying updated. Managed properly, keeping on top of the latest news can support you to feel better informed and able to respond in case it becomes necessary. If we’re going to doomscroll, let’s do it right.<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/183265/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/christian-van-nieuwerburgh-1157439">Christian van Nieuwerburgh</a>, Professor of Coaching and Positive Psychology, <a href="https://theconversation.com/institutions/rcsi-university-of-medicine-and-health-sciences-788">RCSI University of Medicine and Health Sciences</a> Image credits: Getty Images This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/five-ways-to-manage-your-doomscrolling-habit-183265">original article</a>.

Technology

Get-rich-quick schemes, pyramids and ponzis: five signs you’re being scammed

<a href="https://theconversation.com/profiles/bomikazi-zeka-680577">Bomikazi Zeka</a>, <a href="https://theconversation.com/institutions/university-of-canberra-865">University of Canberra</a> and <a href="https://theconversation.com/profiles/abdul-latif-alhassan-1390159">Abdul Latif Alhassan</a>, <a href="https://theconversation.com/institutions/university-of-cape-town-691">University of Cape Town</a> Consumers are under a lot of financial strain. The <a href="https://www.weforum.org/agenda/2022/09/cost-of-living-crisis-global-impact/">World Economic Forum</a> reports that the cost-of-living crisis is affecting people across the globe. With food and fuel prices rising, it’s becoming increasingly difficult to keep financially afloat. On top of that, salaries <a href="https://www.wsj.com/articles/workers-pay-globally-hasnt-kept-up-with-inflation-e6df92d">aren’t keeping up with inflation</a>, making it more difficult to save and build wealth. It’s during such times of economic difficulty and uncertainty that fraudsters lure unsuspecting consumers into “<a href="https://www.sabric.co.za/">get-rich-quick</a>” schemes, offering <a href="https://www.sabric.co.za/stay-safe/ponzi-pyramid-schemes/">an avenue to make easy money</a> by investing in a “lucrative” financial opportunity. Nothing beats the prospect of making easy money, and every now and again there seems to be a “get-rich-quick” scheme circulating on WhatsApp or on social media that seems legitimate. But it’s not. Our research interests centre on financial systems in emerging economies, and we advocate for financial inclusion and empowering marginalised communities through financial literacy and financial planning. We use our academic platform to share our expertise on finance, including common financial traps people should steer clear of. “Get-rich-quick” schemes are one such trap. They’re also sometimes called ponzi or pyramid schemes. The schemes are a form of <a href="https://www.lawinsider.com/dictionary/financial-fraud">financial fraud</a>. The people running them take money through deception: the misrepresentation of information and identity. They promise financial benefits that don’t exist. You should avoid them because, more often than not, they are bogus and fraudulent business ventures. There have been some massive fraud schemes over the past 30 years. In the early 1990s, <a href="https://www.independent.co.uk/news/world/africa/mmm-global-russian-ponzi-scheme-from-1990s-reborn-and-now-spreading-like-wildfire-in-africa-a7333366.html">MMM Global</a> - one of the world’s largest and most notorious ponzi schemes - defrauded up to 40 million people, who lost an estimated $10 billion. Ponzi schemes have since resurfaced in different forms in <a href="https://www.iol.co.za/weekend-argus/news/ponzi-scheme-investigated-as-some-victims-lost-as-much-as-r200-000-c3c3633c-2abb-4dd4-b668-a5ea608deb41">South Africa</a>, <a href="https://guardian.ng/business-services/nigerians-lose-over-n911b-to-ponzi-schemes-related-fraud-in-23-years/">Nigeria</a>, <a href="https://www.voazimbabwe.com/a/zimbabwe-money-pyramids-ponzi-schemes/6305100.html">Zimbabwe</a>, <a href="https://allafrica.com/stories/202105170964.html">Kenya</a>, <a href="https://doi.org/10.1108/JFC-09-2020-0177">Ghana</a> and several other African countries. There are five tell-tale signs of a “get-rich-quick” scheme. Watch out for them. <h2>The five tell-tale signs</h2> Firstly, they offer exaggerated and above-market returns within a short period of time, with the promise of little to no risk. There are two golden rules when it comes to investing. The first is that it takes time to make money. Amassing a small fortune within a short space of time should raise questions about the scheme. The second rule is: the higher the risk, the higher the return. In other words, no investment is risk free or can guarantee significant returns. There is always some risk involved. An investment that promises substantial returns tends to be quite risky, which repels most people with a low appetite for risk. Secondly, new members are constantly recruited to join the scheme. Typically, such schemes are sustained by relying on the investments of new members to pay existing members. Once the number of existing members exceeds new members, the scheme goes “belly-up”. At best you lose out on the returns you were promised. At worst you lose all the money you’ve invested. When the scheme collapses, it is almost impossible to recover the money you’ve lost because you’ve technically given it to a stranger (remember, the definition of financial fraud encompasses the misrepresentation of identity). Thirdly, there is urgency to join the scheme and no clarity on how the scheme works. This is a classic characteristic of a “get-rich-quick” scheme. There is usually no clear answer about the nature of the scheme, what it invests in, how it generates its returns or the credentials of the organisation. Legitimate investments are transparent and can provide investors with all the information they need to help them decide whether to invest. Unsurprisingly, a proper check of “get-rich-quick” schemes will unmask their fraudulent nature. This is why there’s always the urgency and coercion to make an immediate financial commitment under the guise of missing a once-in-a-lifetime opportunity to get rich. Fourthly, the scheme is not registered with or regulated by any recognised authority. Regulatory authorities are important because they monitor the conduct of financial service providers and protect consumers by keeping their best interests in mind. The protection provided by financial regulators also instils confidence in financial systems. “Get-rich-quick” schemes are not registered and operate outside the framework of regulatory bodies. This makes investors more vulnerable to loss and makes it more difficult to seek legal recourse when the loss occurs. Legitimate investments in South Africa are offered by authorised financial service providers and regulated by the <a href="https://www.fsca.co.za/Pages/Default.aspx">Financial Sector Conduct Authority</a>. You can search for any authorised financial service provider on the authority’s <a href="https://www.fsca.co.za/Fais/Search_FSP.htm">website</a>. Fifthly, they use the testimonies from existing members who’ve earned big bucks to promote the scheme. At the initial stages, the scheme tends to pay out to those who have invested early, and these members are encouraged to share the news of their wealth (which travels fast and far) to promote the scheme. But this is a tactic used to create the impression that you too can earn returns in the double digits. These schemes are both unsustainable and unethical as one person gets wealthy through someone else being deceived. <h2>Too good to be true</h2> It’s worth repeating that if it sounds too good to be true, then it probably is. Wealth comes from a sound investment strategy and decisions made over time. Any promise to “get rich quick” should be treated with the cynicism it deserves. It will ultimately reveal its fraudulent nature. Recognising the signs of “get-rich-quick” schemes can save you from unnecessary financial distress. It’s always a good idea to do your own investigation before committing your finances into any investment. You can find more information on the various types of scams through the <a href="https://www.sabric.co.za/">South African Banking Risk Information Centre</a>’s website and report them to the <a href="https://www.safps.org.za/Home/Contact">South African Fraud Prevention Service</a>.<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/205798/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/bomikazi-zeka-680577">Bomikazi Zeka</a>, Assistant Professor in Finance and Financial Planning, <a href="https://theconversation.com/institutions/university-of-canberra-865">University of Canberra</a> and <a href="https://theconversation.com/profiles/abdul-latif-alhassan-1390159">Abdul Latif Alhassan</a>, Associate Professor in Development Finance & Insurance, <a href="https://theconversation.com/institutions/university-of-cape-town-691">University of Cape Town</a> Image credits: Getty Images This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/get-rich-quick-schemes-pyramids-and-ponzis-five-signs-youre-being-scammed-205798">original article</a>.

Money & Banking

National Duck Day: Diana Chan’s Luv-a-Duck Peking Duck breast with egg noodles, five spice sauce and fresh cucumber salad

The family owned business and Australia’s leading duck producer Luv-a-Duck has partnered up with MasterChef alum and duck lover Diana Chan, to officially launch National Duck Day, which falls on Tuesday May 23rd, 2023. Diana Chan is a Malaysian-Australian and won the 9th season of MasterChef in 2017. She has since become a well-known TV host, menu designer, product creator and restaurateur, turning her passion for food into her career. Diana Chan’s Luv-a-Duck Peking Duck breast with egg noodles, five spice sauce and fresh cucumber salad Serves: 2 Prep time: 10 mins Cook time: 10 mins INGREDIENTS: <ul> <li dir="ltr" aria-level="1"> 2 x precooked Luv-A Duck peking duck breasts </li> <li dir="ltr" aria-level="1"> 1 x 400g packet fresh egg noodles (medium thickness) </li> </ul> For the five spice sauce: <ul> <li dir="ltr" aria-level="1"> 1 tbsp cooking oil </li> <li dir="ltr" aria-level="1"> 2 cloves garlic, minced </li> <li dir="ltr" aria-level="1"> 3 shallots, finely diced </li> <li dir="ltr" aria-level="1"> 50g galangal, sliced </li> <li dir="ltr" aria-level="1"> 50g ginger, sliced </li> <li dir="ltr" aria-level="1"> Leftover liquid from the packet </li> <li dir="ltr" aria-level="1"> 1 tbsp five spice powder </li> <li dir="ltr" aria-level="1"> 1 tbsp tapioca starch mixed with 2 tbsp of water </li> </ul> For the cucumber salad: <ul> <li dir="ltr" aria-level="1"> 1 continental cucumber, halved and sliced into 5mm thick chunks </li> <li dir="ltr" aria-level="1"> 30g coriander, roughly chopped </li> <li dir="ltr" aria-level="1"> 1 tbsp black vinegar </li> <li dir="ltr" aria-level="1"> 1 tsp sugar </li> <li dir="ltr" aria-level="1"> 1 tbsp soy sauce </li> </ul> To garnish: <ul> <li dir="ltr" aria-level="1"> Freshly sliced spring onions </li> <li dir="ltr" aria-level="1"> 1 tsp toasted sesame seeds </li> </ul> METHOD: <ol> <li dir="ltr" aria-level="1"> Cook the peking duck breasts according to the packet instructions (microwave or oven) and set aside somewhere warm. </li> <li dir="ltr" aria-level="1"> Preheat a large braising pot or wok. Add cooking oil. Add the garlic, shallots, galangal and ginger and fry until aromatic - about 3 minutes or so. Add the sauce from the packet and the five spice. Allow to reduce for 10 minutes. </li> <li dir="ltr" aria-level="1"> Mix tapioca starch with water. Pour it into the sauce liquid while stirring at the same time and the liquid will start to thicken. You can add more tapioca mixture if you don't think the sauce is thick enough. </li> <li dir="ltr" aria-level="1"> While the sauce simmers, reheat the noodles according to the packet instructions. </li> <li dir="ltr" aria-level="1"> To assemble, remove the cooked duck breasts from the packet and slice them into 5mm thickness. </li> <li dir="ltr" aria-level="1"> In a mixing bowl, add in all the ingredients for the cucumber salad and mix to combine. </li> <li dir="ltr" aria-level="1"> Place the reduced sauce into the serving bowls, divide the noodles into 2 portions, top with the duck breasts and pour over the sauce. Serve with the cucumber salad on the side. Garnish with some spring onions and sesame seeds. </li> </ol> Image credit: Luv-A-Duck

Food & Wine

Five vital questions to ask yourself before booking your next cruise

When it comes to booking your next holiday on the seas, there are a few vital questions to consider before setting sail. It isn't uncommon to be lured in by a seemingly great sale fare, but taking a minute to contemplate the best arrangement for you could stop you making an expensive mistake. Who you go with, where you go, and when you set sail can all greatly impact the quality of your holiday, so ask yourself these questions before you pack your bags. Who am I travelling with? Picking your travel companions can make or break your holiday, as who you decide to set sail with can drastically change where and when you go. For example if you're travelling with young children, that will rule out most expeditions to Antarctica, as most cruise lines recommend children be at least eight years of age to head to the icy South Pole. If the holiday is a venture for the whole family, most cruise lines advertise which journeys are more kid-friendly, with entertainment onboard for people of all ages. Where am I going? While there are many spectacular destinations on every cruise lover's bucket list, there are others that require a little more consideration. Do you prefer something tropical featuring a beach-heavy itinerary or fancy something cool climate with plenty of adventure? What was the last holiday you truly enjoyed and what did you love about it? What are you keen to avoid (bustling cities, plenty of days at sea etc)? Once you narrow down what kind of holiday you’re looking for, it’s time to shortlist potential destinations that will tick your every box. How much is it going to cost me? The first thing every traveller must do before making holiday plans is figuring out how much money you have, and what you are willing to spend. Writing down a budget and designating certain costs is a sure fire way to keep on top of your spending, such as allocating set figures for transport, accommodation, daily spending and luxuries. While you're working out your budget, it's also a good idea to research the cost of meals, drinks, activities and transport at the ports the cruise will be visiting. What do I want to spend my time onboard doing? Whether you're into golf, felines, death metal, food or general nudity, you can rest assured there's a cruise for you out there. Many cruise lines have started operating themed cruises to match the very niche interests of every traveller, while still giving holidaymakers the chance to see the world with like minded people. Simply Google 'cruise' and your particular interest and prepare to be amazed at what's out there. Is cruising the best holiday for me? If you've never cruised before, you might be feeling uncertain if you're the kind of person who'll enjoy a cruise. While there's certainly a cruise for every person, whether that be river cruising through Europe or adventures in the Arctic Circle, it's probably not the best idea to book in for a 24-day voyage if you're unsure you'll enjoy it. Image credits: Getty Images

Cruising

Painting by four-legged Van Gogh sells for five figures

A very good boy named Van Gogh has raised a hefty sum of money for a good cause. The one-eared four-legged artist has used his extraordinary talents to create his own rendition of his namesake’s masterpiece Starry Night. At an online benefit auction for the <a href="https://www.happilyfureverafter.org/">Happily Furever After Rescue</a> in Connecticut, USA, pet food company Pedigree paid $10,000 for the artwork. The rescue home was the one that found Van Gogh his new forever home, after sharing his artistic talents online. All the proceeds of Van Gogh the dog’s auction will benefit the rescue efforts of Happily Furever After, which specialises in rehoming dogs like pit bulls, who can sometimes have a hard time finding homes. The paintings in the current auction, titled “Van Gogh Reimagined,” are all based on compositions by the original Van Gogh. However, unlike a painting by the Dutch master, the dog’s art starts the bidding at just $25 a piece. “Having Van Gogh create some of history’s most famous paintings felt like big shoes to fill,” founder Jaclyn Gartner told <a href="https://news.artnet.com/market/van-gogh-rescue-dog-charity-auction-2264707">Artnet News</a>. “There was a lot more attention to detail this time around to make sure to incorporate all the colours and try to recreate the pieces as closely as possible.” Since finding his new home, Van Gogh has created more than 150 new works of art. To make each masterpiece, a person applies blobs of colours of paint to a canvas placed inside a plastic bag. The talented dog then completes the artwork by licking off a coating of peanut butter or other dog-friendly treats from the outside of the bag, making the artwork inside. “The most exciting part about Van Gogh painting is never really knowing what it’s going to come out to look like as it depends on how his tongue slides across the peanut butter coated bag,” Gartner said. “Since we did the art gallery in October, Van Gogh has explored more tasty toppings,” she added. “We have begun incorporating other things like ground up liverwurst, pumpkin puree, and goat whip. Painting has become an even more delicious hobby for Van Gogh!“ Image credits: Happily Furever After Rescue

Art

"Sheer terror": Pensioner slapped with five-figure government fine

Pensioner Rosemary Gay opened up about the “sheer terror” she faced upon receiving a letter from the government demanding she pay back the $65,000 Robodebt bill they claimed she had been overpaid. Rosemary’s nightmare began on September 19, 2016, when the letter arrived, an event that Rosemary confesses “turned my life upside down and created an enormous emotional and mental strain on me." The letter detailed that she was required to pay the total of $64,999.17 in overpaid welfare benefits. Centrelink claimed this was because her declared amounts did not reflect what she actually earned during the period of July 9, 2010, to 6 October, 2016. “It turned my life upside down,” Rosemary told the Robodebt Royal Commission on Monday, “I’ve never earned that much money, how could I owe that much money? And the fact I was to come up with it within a matter of three or four weeks, it was sheer terror.” The emotional 76-year-old admitted that she feared she would have to sell her home to cover the debt, and detailed the bleak path she saw before her, “all I could see was that I may be faced with selling my home and losing everything that I had worked for in my 70 years, and I just saw it all going away instantly.” After contacting Centrelink, Rosemary confirmed that what she had reported was the same as what was on the paperwork. She admitted to assuming that would “be the end of it.” Officials at Centrelink eventually told Rosemary that it came down to a “glitch”, and after a review, the total of her debt was reduced to $6,600. Of her Robodebt experience, Rosemary said, “it was a very dark period of time for me and one that is very difficult to re-live. My mental health and physical health, at that stage, were at a very low ebb.” A second review brought a new letter to Rosemary in December 2016, this time stating that her debt had been reduced to $120. Finally in 2020, Rosemary was informed by Centrelink that she would be refunded the $120, with the Coalition government winding up the unlawful scheme - ruled as such by the Federal Court in 2019. It is suspected that more than 381,000 people were affected, and that over $750m was wrongfully recovered from the victims. “I was shocked and angry by this time to think they could initially cause such a traumatic experience to anybody accessing support from a pension,” Rosemary told the Royal Commission, “it will continue to remain with me forever. It’s just something I will never get over and it has had a huge impact on my physical and mental wellbeing … “That they could turn someone’s life upside down and still get it so wrong over and over again.” Image: Getty Images

Money & Banking

Expat shares her five biggest culture shocks since moving to Australia

A British expat has listed the five biggest culture shocks she experienced since moving to Australia. Robyn Turner, who now lives in Melbourne, has been adjusting to her new life in Australia over the last five years. In a funny TikTok video, the personal trainer said there are five things she never knew existed until she relocated to Australia - including people walking bare feet in public, lemon lime bitters and 42°C days. “This is Australian things that sent me into a coma when I first moved here from the UK,” she said. The first thing of her list that caught her by surprise was people walking around bare feet at indoor public places. “People walking around the supermarket or any other store in bare feet, shocked me,” she said. “You would never catch anyone that wasn’t on a beach with bare feet in the UK. “It doesn’t appeal to me but I mean, you do you, I just won’t look at the floor.” Robyn said she was confused when she couldn’t find an aisle dedicated to alcohol inside supermarkets. “I had no idea this wasn’t a thing,” she said. “I was first like, ‘Where do I go and buy some wine from?’ and someone was like, ‘the bottle-O’ and I was like, ‘What’s a bottle-O?’ “I had no idea, shocked me to the bones.” The third overwhelming thing she couldn’t handle was the scorching weather, especially summer days that reach high temperatures of 42°C. “When I first lived here, I lived in Sydney and it wiped me out,” she said. “Absolutely killed me.” <blockquote class="tiktok-embed" style="max-width: 605px; min-width: 325px;" cite="https://www.tiktok.com/@r0bynturner/video/7176424965128899842" data-video-id="7176424965128899842"> <section><a title="@r0bynturner" href="https://www.tiktok.com/@r0bynturner?refer=embed" target="_blank" rel="noopener">@r0bynturner</a> Australian things that sent me (a brit) into a coma <a title="australiatravel" href="https://www.tiktok.com/tag/australiatravel?refer=embed" target="_blank" rel="noopener">#australiatravel</a> <a title="sydneytravel" href="https://www.tiktok.com/tag/sydneytravel?refer=embed" target="_blank" rel="noopener">#sydneytravel</a> <a title="uktoaustralia" href="https://www.tiktok.com/tag/uktoaustralia?refer=embed" target="_blank" rel="noopener">#uktoaustralia</a> <a title="britinaustralia" href="https://www.tiktok.com/tag/britinaustralia?refer=embed" target="_blank" rel="noopener">#britinaustralia</a> <a title="melbournetravel" href="https://www.tiktok.com/tag/melbournetravel?refer=embed" target="_blank" rel="noopener">#melbournetravel</a> <a title="backpackingaustralia" href="https://www.tiktok.com/tag/backpackingaustralia?refer=embed" target="_blank" rel="noopener">#backpackingaustralia</a> <a title="♬ original sound - Robyn" href="https://www.tiktok.com/music/original-sound-7176425241798068993?refer=embed" target="_blank" rel="noopener">♬ original sound - Robyn</a></section> </blockquote> Despite the culture shocks, she expressed her approval for lemon lime bitters, a popular cocktail in Australia that consists of lemonade, lime cordial, and Angostura bitters. “This surprise was in the best way possible,” she said. “Thank you for introducing me to lemon lime bitters. That is amazing stuff, it’s like liquid gold. “You (Aussies) are the ultimate gatekeepers not letting the rest of the world know about it.” Robyn said she also couldn’t get enough of espresso martinis after her friend introduced the cocktail to her. “It’s so good,” she said. Her video has been viewed over 600,000 times - with many agreeing with her culture shocks. Images: TikTok

Travel Trouble

The five best books to read by the pool this summer

Australian literature is having a real moment, so here’s our pick of the best Australian novels to soak up with the sun this summer. The Narrow Road to the Deep North, Richard Flanagan It took Tasmanian author Richard Flanagan 12 years to write this Booker Prize-winning novel, and it’s easy to see why. Based on his father’s real-life experience, it’s a beautifully written, haunting read about a Japanese Prisoner of War camp on the Thai-Burma death railway during the Second World War. It focuses on Dorrigo Evans, an Australian surgeon haunted by a love affair with his uncle's young wife two years earlier, struggling to save the men under his command from starvation, cholera, and brutal beatings. At times the novel is harrowing, graphic and disturbing, but is ultimately a story of love in the midst of a cruel war. The Light Between Oceans, M. L Stedman Read this novel. We could just leave it there, to be honest, it’s that good. Hollywood movie rights were recently snapped up so, because books are nearly always better than subsequent films, read it quickly! It has won three prestigious ABIA awards, including their 'Book of the Year', and also won the Indie Awards' 'Book of the Year'. It’s 1926 and Tom Sherbourne is a young lighthouse keeper on a remote island off Western Australia. He and his young wife Isabel live a quiet life, cocooned from the rest of the world. Fatefully soon after suffering devastating miscarriages, a boat washes ashore carrying a dead man and a crying infant. Only years later do they discover the devastating consequences of the decision they made that day - as the baby's real story unfolds. Get your tissues ready. This book will stay with you for life. Promise. The Night Guest, Fiona McFarlane Fiona McFarlane’s debut novel has been shortlisted for the Stella prize and the Miles Franklin Award. One morning Ruth, an elderly widow, wakes thinking a tiger has been in her house in a small coastal town. Later that day a carer, Frida, arrives to look after her. Both Frida and the tiger are here to stay, and neither is what they seem. The Night Guest is a mesmerising novel about love, dependence, and the fear that the things you know best can become the things you're least certain about. Eyrie, Tim Winton Tim Winton’s 25th book follows Tom Keely, whose reputation is in ruins, whose marriage is over and career finished. Holed up in a grim high rise, cultivating his newfound isolation, he reluctantly meets a woman from his past and a boy who will change his life. Eyrie is heart-warming and human, and reassures the reader that no matter how low you can feel, life will renew itself and take new paths, whether you want it to or not. The Swan Book, Alexis Wright This is like nothing you’ve ever read before. Set in the future, around the time of Australia’s third centenary, we see Aboriginals still living under the Intervention in the north, in a country fundamentally altered by climate change. The book centres around the life of a mute young woman called Oblivia, the victim of gang-rape by petrol-sniffing youths. We follow her from the displaced community where she lives to her marriage to Warren Finch, the first Aboriginal president of Australia, and her elevation First Lady. Alexis Wright’s previous novel, Carpentaria, was a prize-winning best-seller and The Swan Book has been short-listed for the Miles Franklin Award. Image: Getty

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Painting by four-legged Van Gogh sells for five figures

"Sheer terror": Pensioner slapped with five-figure government fine

Expat shares her five biggest culture shocks since moving to Australia

The five best books to read by the pool this summer

Our Partners

News

Shop

Catalogues

Newspaper

Contests

Entertainment

Travel

Health

Lifestyle

Finance

Property

Compare

Games

Information

Keep up to date

Search

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

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

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

John Legend welcomes new baby only FIVE MONTHS after last one

Five easy ways to use less water at home – and not just in a drought

Five ways to manage your doomscrolling habit

Get-rich-quick schemes, pyramids and ponzis: five signs you’re being scammed

National Duck Day: Diana Chan’s Luv-a-Duck Peking Duck breast with egg noodles, five spice sauce and fresh cucumber salad

Five vital questions to ask yourself before booking your next cruise

Painting by four-legged Van Gogh sells for five figures

"Sheer terror": Pensioner slapped with five-figure government fine

Expat shares her five biggest culture shocks since moving to Australia

The five best books to read by the pool this summer

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