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Man decides to end his own life after waiting for at-home care

A terminally ill man has made the heartbreaking decision to end his life after waiting 10-month for end of life care. Cyril Tooze, an 86-year-old from South Australia's Fleurieu Peninsula, was approved for a Level 4 Home Care Package in January. The package - which is the highest available care for individuals with high-level needs under the federal government’s MyAgedCare scheme - would give Mr Tooze up to $59,594 annually for daily assistance with physical, medical and social tasks. But almost one year on from the approval, his funds and support have yet to be delivered. It’s understood his family, who live interstate, contacted the government to enquire about receiving an urgent reassessment, and were told he could be waiting another three to six months. Independent MP Rebekha Sharkie told reporters that his family were also told a reassessment “could delay it even longer”. While waiting for his vital funds, Mr Tooze - who suffers from terminal heart and lung conditions and regularly requires morphine for pain relief - has worsened and has been hospitalised after suffering a fall at home. Tired of waiting for help to arrive, Tooze has started the process of ending his life through South Australia’s voluntary assisted dying scheme. “There is no hope ... I don’t want to live my life laying in a bed waiting for something to happen,” he told <a href="https://7news.com.au/news/terminally-ill-mans-heartbreaking-decision-to-end-his-life-after-10-month-wait-for-home-care-in-australia-c-16471785" target="_blank" rel="noopener">7News</a>. “You can’t live like that, that’s unfair, we don’t deserve that in such a country as Australia.” Following the media coverage of his case, Tooze was contacted by the Aged Care Department, who said the package could temporarily be made available. Sharkie said Tooze’s situation was “shameful”, saying, “What devastates me is that Mr Tooze feels voluntary assisted dying is the only course available to him, and that is because we as a nation have failed him." “I would say, if Mr Tooze had that package in a timely manner, as he should have, he would probably be sitting at home now, making himself a cup of tea.” Anglicare Australia’s <a href="https://www.anglicare.asn.au/2024/09/20/life-on-the-wait-list-report-shows-older-australians-are-going-without-support/" target="_blank" rel="noopener" data-link-type="article-inline">Life on the Wait List report</a> revealed that as of May 2024, 68,109 Australians had been approved for a Home Care Package but were facing wait times of up to 15 months to access it. Image credits: 7News

Caring

Uproar over council's bin "shaming" move

As councils around the country make big changes to the way we dispose of waste, one council's move has left an entire street in Melbourne "offended". On Wednesday morning, Essendon mum Kali took out her bins and thought nothing more of her weekly habit. It was when she came back after a coffee run that she spotted a tag that had "oh no" written in big red letters. "We found items that don't belong in your mixed recycling bin," the note read, identifying reusable shopping bags as the culprit. When she looked around all but one household on her street had the same yellow note. "I came back and saw all these tags on the bins, I thought 'That's a bit weird'," she told Yahoo News Australia. "It was the talk of the street," she said, after finding out that fellow residents were in "uproar" over the tags. Kali, a mum-of-two, has lived in her home for over nine years and said this was the first time she saw the tag on her bin. "It's just a bizarre thing to do," she said. "I thought it was funny that I got bin shamed. I'm sure we're all guilty of [recycling incorrectly], it's an easy mistake. "Our whole street was embarrassed about it," she added, saying "other neighbours were more offended". Kali is adamant that she didn't do anything wrong, as she ensures the bags in her bin were made out of paper, but said that "you don’t know who is putting things in your bin." A council spokesperson told Yahoo that the move was made to "inform" residents. "Council’s intention is to provide information to people at their homes through our kerbside bin education program to create more awareness, so everyone in the community can recycle right," the spokesperson said. "We understand that recycling can be confusing and that there may be a misunderstanding in what can and can’t go into a recycling bin." Images: Yahoo News

Home & Garden

$15 Kmart hack that'll transform your kitchen

Who doesn't love a cheap hack? For the past few months shoppers have been obsessed with a $15 bathroom item from Kmart, but not for its intended use. Shoppers have used the retailer’s 3 Tier Floor Caddy, which was originally designed to organise toiletries and save floor space, as a coffee station that's not only practical, but looks nice as well. One shopper took it to the next level, by using the $31 Flexi Storage Decorative Shelving from Bunnings and attaching it to two of the Kmart floor caddies to display plants alongside the DIY coffee station. She initially bought the shelves to install on her kitchen wall, but after finding out they weren't sturdy enough, it has been sitting in her home, until she saw the Kmart caddy hack. “I bought these floating shelves from Bunnings but after reading the reviews I found that people had said they are not great! And I was too lazy to take them back,” she wrote. “Then I saw this Kmart hack with the shower caddies and I’m very happy with the result.” Shoppers were impressed with the finished results, praising the "incredible" idea. “This looks excellent. Like you, we have a small kitchen with very limited shelving. You’ve inspired me to do the same,” one wrote. “Awesome, looks amazing,” another added, while a third commented, “That’s so clever, thanks for sharing”. However a few others didn't get the hype, with one saying: “I don’t get coffee stations. Not saying it’s bad. Just think it creates more clutter." Image: Facebook/ Kmart

Home & Garden

NRL legend calls for help to get newborn baby home

NRL legend Jesse Ramien and his partner Shell are pleading for help to get their newborn baby home after Shell's traumatic birth experience in Bali. The Cronulla Sharks player and his wife travelled to Bali for a friend's wedding while Shell was 33 weeks pregnant, who was cleared by her doctor before their trip. However, after just three days into their holiday, Shell went into early labour which quickly led to an emergency C-section, with mum under anaesthetic and baby boy Teo needing five minutes of resuscitation. Baby Teo was rushed into a neonatal intensive care unit, with his parents not able to meet him until the day after he was born. The family has been torn apart since with the parents still yet to hold Teo, who remains in an incubator, and older son Tallen returning home after Shell’s mother rushed to Bali to help. It is not known when the family can return to Australia, as Teo's condition is still unstable. “There’s just so much uncertainty here. We’ve been told by doctors it could be four weeks before our baby is okay to travel, but that could quickly change to five, six, or seven weeks, who knows,” Ramien told <a href="https://www.dailytelegraph.com.au/sport/nrl/sharks-star-jesse-ramiens-impassioned-plea-for-help-from-the-australian-government-to-source-flight-to-bring-baby-back-to-australia/news-story/1208830641c06ecb8c2450b95eeabece" target="_blank" rel="noopener" data-link-type="article-inline">News Corp</a>. “We’re doing everything to contact the Australian embassy to see how we can get home both as quickly as possible, so that our boy can get the medical attention he needs.” A family friend has set up a <a href="https://www.gofundme.com/f/need-your-help-to-fly-our-boy-teo-home" target="_blank" rel="noopener">GoFundMe</a> page to help the couple get home with their baby on an emergency flight, with $45,000 of their $100,000 goal already raised. “I’ll play for nothing just to get our baby boy home safely,” Ramien said. Shell, who received clearance from her obstetrician and the airline before travelling, ensured her pregnancy was covered by a top travel insurance package, however baby Teo’s medical costs — tallying more than $20,000 so far — are not included, while the total costs to get Baby Teo home could exceed $130,000. Ramien has been sharing updates on Instagram, posting a picture of his new son with the caption, “Home soon my boy,” while Shell added, “Won’t be long my boy, we'll be home soon.” Image credits: Instagram / GoFundMe

Caring

Nicole Kidman bids farewell to her mother at intimate funeral

Nicole Kidman has said a tearful goodbye to her beloved mother, Janelle Ann Kidman, during an intimate funeral service held at St Francis Xavier Catholic Church in Lavender Bay, Sydney. The 57-year-old Oscar winner was supported by her husband, country music star Keith Urban, and their two daughters, Sunday Rose and Faith Margaret, as family and close friends gathered to honour Janelle’s life. 84Janelle Kidman, 84, <a href="https://www.oversixty.com.au/health/caring/nicole-kidman-confirms-heartbreaking-family-news" target="_blank" rel="noopener">passed away in early September</a> after a long illness. The family, including Nicole's sister, journalist Antonia Kidman, and Janelle’s eight grandchildren, shared moving tributes at the service. Among them was TV host Lucia Hawley, the eldest of the grandchildren, who gave a heartfelt speech. The service was also attended by a number of notable figures from Australia’s entertainment industry, including actor Russell Crowe, broadcaster Peter Overton, and his wife, television personality Jessica Rowe. The news of her mother's passing reached Nicole while she was in Venice, Italy, for the Venice Film Festival on September 8, where she was being honoured with the Best Actress award for her role in the upcoming thriller Babygirl. Unable to attend the ceremony, director Halina Reijn accepted the award on her behalf and read a touching message from Kidman, in which the actress expressed her grief. “Today, I arrived in Venice to find out shortly after my brave and beautiful mother, Janelle Ann Kidman, had just passed,” Kidman’s statement began. “I’m in shock and I have to go to my family, but this award is for her. She shaped me, she guided me, and she made me. I am beyond grateful that I get to say her name to all of you through Halina. The collision of life and art is heartbreaking. My heart is broken.” Janelle Kidman’s cause of death has not been publicly disclosed, but she had reportedly been battling health issues since 2016 when she suffered a suspected heart scare. Her passing comes nearly a decade after the death of her husband, Dr Antony Kidman, who died of a heart attack in Singapore in 2014. Kidman, who divides her time between Nashville, Manhattan, and Australia, remains close to her family despite her international career, often speaking about the pivotal role her mother played in her life and career. Images: 9News / Instagram

Family & Pets

"One of the best": Home and Away stars pay tribute to colleague

Former and current stars of Home and Away have paid tribute to their colleague, who has passed away after a battle with cancer. Bruce Murray, who worked as a key grip behind the scenes of the show, has died just one year after going public with his diagnosis of oesophageal cancer. The news of his passing has rocked the show, with cast mates taking to social media to share their stories of their time with Bruce. "Love you Brucey, you beautiful thing," Emily Weir, who plays Mackenzie Booth said on Instagram. What a man, never a dull moment on the set or on the dance floor," Sarah Roberts, who played Willow Harris on the show before leaving in 2021, wrote. "One of the reasons I loved going to work... couldn't stop giggling at his jokes and his dance moves. I'll miss you Brucey!" "One of the best gone too soon," Home and Away's head of makeup and hair, Laura Vazquez posted on Instagram. "Will miss you, mate. Can't believe I won't be seeing you again. RIP Brucey, you absolute legend." Murray's diagnosis with stage four oesophageal cancer was made public in October 2023, when his loved ones launched a GoFundMe page to help raise money for his family as he underwent treatment. "Recently our beloved, good friend, Bruce Murray was diagnosed with Stage 4 Oesophageal Cancer which has unfortunately gone into his blood stream and formed multiple cancers on his bones – ribs, spine, collar bone, sacrum, and hips," the GoFundMe page's message read. Many Home and Away alumni contributed to the GoFundMe, including Ada Nicodemou, Matt Little, Georgie Parker, Jessica Tovey, Stephanie Panozzo, Pia Miller, Ethan Browne, Axle Whitehead, and Philippa Northeast as well as numerous other anonymous donations and donations from producers and other Home and Away staffers, with the page raising $51k for Bruce's treatment. Bruce is survived by his wife of 19 years, Shelley Murray – who is a costume designer and head of the Home and Away wardrobe department – and their two children. Image credits: Instagram

Caring

Ian Thorpe lists luxury home at a discount

Ian Thorpe has returned his luxury Woollahra townhouse to the market for a price of $3.5 million. The Olympic gold medallist previously listed it on the market for $3.7 million in September last year but failed to find a buyer at that price. The townhouse boasts four-bedrooms and three-bathrooms and sits on 250sqm of land. It also has an outdoor swimming pool and a beautiful outdoor tropical garden. Thorpe purchased the home in December 2017 for $2.75 million and has since done extensive renovation work to the property. He remodelled the terrace and added in stylish sliding doors. It also features open plan living areas perfect for families. "It's completely private and secluded," letting agent Courtney Wong told The Sydney Morning Herald in 2023. A description for the property reads: "For those seeking a private escape with all the comforts of a luxury home, this is everything you could have dreamed of and more. "A true gem tucked away at the quiet rear of a boutique block of only six, this residence represents the perfect mix of modernity and the natural world with its contemporary architectural design in a tranquil leafy setting." Images: Ray White Double Bay/ Instagram

Home & Garden

Why Lisa Marie Presley kept son's body at home for two months after his death

Lisa Marie Presley was so heartbroken by the loss of her only son, Benjamin Keough, at just 27-years-old in 2020, that she kept his body in her home for two months after his death. The star revealed this in her memoir From Here to the Great Unknown, which was finished by her daughter Riley Keough after the 54-year-old’s death in January 2023, according to Page Six. In the book, Lisa Marie opened up about the extent of her grief, saying that she had to force herself to "fight" to stay alive for her remaining children, and one of the ways she coped was not saying goodbye to Benjamin right away. “My house has a separate casitas bedroom and I kept Ben Ben in there for two months. There is no law in the state of California that you have to bury someone immediately,” Lisa Marie wrote. “I found a very empathetic funeral homeowner. I told her that having my dad in the house after he died was incredibly helpful because I could go and spend time with him and talk to him. She said, ‘We’ll bring Ben Ben to you.’” The room was kept at around 12 degrees celsius to preserve his body, and the star continued saying that she felt “fortunate that there was a way that I could still parent him, delay it a bit longer so that I could become okay with laying him to rest.” Another reason why she decided to keep his body was because she wasn't sure whether to bury him in Hawaii or at Graceland, the Memphis estate where Elvis died and is buried. At one point, Riley and Lisa Marie decided to honour Benjamin by getting matching tattoos of his name, which was inscribed in the same place where Benjamin had his tattoos. Riley recalled the odd moment Lisa Marie brought in the tattoo artist into her home. “Lisa Marie Presley had just asked this poor man to look at the body of her dead son, which happened to be right next to us in the casitas. I’ve had an extremely absurd life, but this moment is in the top five," Riley wrote in the memoir. Lisa Marie acknowledged that it was odd, and soon after the tattoo day, they "got the vibe" that Benjamin wanted to be laid to rest. “Even my mum said that she could feel him talking to her, saying ‘This is insane, Mum, what are you doing? What the f**k!” The family held a funeral for Benjamin in Malibu, and he was buried at Graceland alongside Elvis, and now Lisa Marie as well. Image: Copetti/Photofab/ Shutterstock Editorial

Family & Pets

Aussie family's refusal to sell family home could land them a $60m fortune

An Aussie family that repeatedly said no to selling their much-loved family home to developers could land them a $60million in Australia's booming property market, but the defiant family refuses to sell. A year ago, the Zammit family from Quakers Hill in Sydney's north west caught worldwide attention when they refused to sell their 20,000 sqm parcel of land to developers who had purchased all the other land around them. The family received offers of up to $50m to sell their home to complete the new development named The Ponds, but they refused to sell. That didn't deter developers who are still offering the owners a massive amount of cash to sell their homes, with offers reportedly around $60m now, meaning the family have earned another $10m or 20 per cent over the past year. According to PropTrack home prices in Quakers Hill have risen by 8.5 per cent over the past 12 months, meaning that the Zammits would have earned at least another $4.25 million. The median price of a home in Quakers hill is now at $1.172m, around a decade ago it was $700,000. Last year, one of the property owners, Diane Zammit, 50, told news.com.au that the neighbourhood used to be “farmland dotted with little red brick homes and cottages." “Every home was unique and there was so much space – but not any more. It’s just not the same,” she said. It is estimated that 50 houses could fit on the block of land if they chose to sell, but some of their neighbours reportedly don't want them to, as they like living in a cul-de-sac. Ray White Quakers Hill agent Taylor Bredin previously praised the family for staying put. “The fact that most people sold out years and years ago, these guys have held on. All credit to them," he told 7News. “Depending on how far you push the development plan, you’d be able to push anywhere from 40 to 50 properties on something like this, and when subdivided, a 300 square metre block would get a million dollars.” Images: Channel 7

Money & Banking

Offering end of life support as part of home care is important – but may face some challenges

<div class="theconversation-article-body"> <a href="https://theconversation.com/profiles/jennifer-tieman-378102">Jennifer Tieman</a>, <a href="https://theconversation.com/institutions/flinders-university-972">Flinders University</a> Earlier this month, the government announced <a href="https://theconversation.com/the-government-has-a-new-plan-for-residential-aged-care-heres-whats-changing-238765">major changes</a> to aged care in Australia, including a A$4.3 billion <a href="https://theconversation.com/what-the-governments-home-care-changes-mean-for-ageing-australians-238890">investment in home care</a>. Alongside a shake up of home care packages, the Support at Home program will include an important addition – an <a href="https://www.health.gov.au/sites/default/files/2024-09/support-at-home-fact-sheet.pdf">end of life pathway</a> for older Australians. This pathway will allow access to a <a href="https://www.health.gov.au/our-work/support-at-home/features">higher level</a> of in-home aged care services to help Australians stay at home as they come to the end of their life. Specifically, it will provide an extra A$25,000 for palliative support when a person has three months or less left to live. This is a positive change. But there may be some challenges to implementing it. <h2>Why is this important?</h2> Older people have made clear their preference to remain in their homes as they age. For <a href="https://journals.sagepub.com/doi/10.1177/0269216313487940">most people</a>, home is where they would like to be during their last months of life. The space is personal, familiar and comforting. However, data from the <a href="https://www.abs.gov.au/statistics/research/classifying-place-death-australian-mortality-statistics">Australian Bureau of Statistics</a> shows most people who die between the ages of 65 and 84 die in hospital, while most people aged 85 and older die in residential aged care. This apparent gap may reflect a lack of appropriate services. Both palliative care services and GPs have an important role in providing medical care to people living at home with a terminal illness. However, being able to <a href="https://grattan.edu.au/wp-content/uploads/2014/09/815-dying-well.pdf">die at home</a> relies on the availability of ongoing support including hands-on care and assistance with daily living. Family members and friends often provide this support, but this is not always possible. Even when it is, carers may <a href="https://pubmed.ncbi.nlm.nih.gov/38533612/">lack confidence and skills</a> to provide the necessary care, and may not have enough support for and respite from their carer role. The palliative care funding offered within Support at Home should help an older person to remain at home and die at home, if that is their preference. Unless someone dies suddenly, care needs are likely to increase at the end of a person’s life. Supports at home may involve help with showering and toileting, assessing and addressing symptoms, developing care plans, managing medications, wound dressing, domestic tasks, preparing meals, and communicating with the person’s family. Occupational therapists and physiotherapists can assist with equipment requirements and suggest home modifications. End of life supports may also involve clarifying goals of care, contacting services such as pharmacists for medications or equipment, liaising with organisations about financial matters, respite care or funeral planning, as well as acknowledging grief and offering spiritual care. But we don’t know yet exactly what services the $25,000 will go towards. <h2>What do we know about the scheme so far?</h2> The Support at Home program, including the end of life pathway, is scheduled to start from <a href="https://www.health.gov.au/sites/default/files/2024-09/support-at-home-fact-sheet.pdf">July 1 2025</a>. We know the funding is linked to a prognosis of three months or less to live, which will be determined <a href="https://www.abc.net.au/news/2024-09-15/new-payment-aims-to-make-it-easier-for-people-to-die-at-home/104347984">by a doctor</a>. Further information has indicated that an older person can be referred to a <a href="https://www.health.gov.au/our-work/support-at-home/features">high-priority assessment</a> to access the end of life pathway. We don’t know yet what this means, however they don’t need to be an existing Support at Home participant to be eligible. The pathway will allow 16 weeks to use the funds, possibly to provide some leeway around the three-month timeline. Although more details are coming to light, there are still some things which remain unclear. Home care providers will be looking for details on what can be covered by this funding and how they will work alongside primary care providers and health-care services. Older people and their families will want to know the processes to apply for this funding and how long applications will take to be reviewed. Everyone will want to know what happens if the person doesn’t die within three months. <h2>Some challenges</h2> Ready availability of appropriate supports and services will be crucial for older people accessing this pathway. Home care providers will therefore need to assess how an end of life pathway fits into their operational activities and how they can build the necessary skills and capacity. Demand for nurses with palliative care skills and allied health professionals is likely to increase. Providing end of life care can be <a href="https://pubmed.ncbi.nlm.nih.gov/33096682/">especially taxing</a> so strategies will be needed to prevent staff burnout and encourage self-care. How pathways are implemented in rural and remote areas and in different cultural and community groups will need to be monitored to ensure all older people benefit. Effective coordination and communication between home care, primary care and specialist palliative providers care will be key. Digital health systems that connect the sectors could be helpful. Family engagement will also be very important. Escalation pathways and referral pathways should be established to enable appropriate responses to emergencies, unexpected deterioration, and family distress. Finally, <a href="https://bmcpalliatcare.biomedcentral.com/articles/10.1186/s12904-023-01155-y">accurately determining</a> when someone will die can be difficult. Knowing when the last three months of life starts may not be easy, particularly where frailty, cognitive issues and multiple health concerns may be present. This might mean some people are not seen as being ready for this pathway. Others may not be willing to accept this prognosis. An older person may also be expected to live with a terminal illness for many months or years. Their palliative care needs would not be met under this pathway. Despite these challenges, the announcement of an end of life pathway within the home care program is timely and welcome. As a population we are living longer and dying older. More details will help us be better prepared to implement this scheme.<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/239296/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/jennifer-tieman-378102">Jennifer Tieman</a>, Matthew Flinders Professor and Director of the Research Centre for Palliative Care, Death and Dying, <a href="https://theconversation.com/institutions/flinders-university-972">Flinders University</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/offering-end-of-life-support-as-part-of-home-care-is-important-but-may-face-some-challenges-239296">original article</a>. </div>

Retirement Life

Mother's heartbreaking farewell at bullied daughter's funeral

<em style="box-sizing: border-box; color: #212529; font-family: -apple-system, 'system-ui', 'Segoe UI', Roboto, 'Helvetica Neue', Arial, sans-serif, 'Apple Color Emoji', 'Segoe UI Emoji', 'Segoe UI Symbol', 'Noto Color Emoji'; font-size: 16px; background-color: #ffffff;">Warning: This article contains discussions about suicide that some readers may find distressing. The mother of 12-year-old Charlotte Frances O’Brien, a victim of relentless bullying, broke down at her daughter's funeral in a heartbreaking farewell, expressing her anguish and grief. Charlotte, a Year 7 student at Santa Sabina College in Strathfield, Sydney, tragically took her own life on September 9, leaving her family, friends and community devastated. Hundreds of mourners gathered at Mary Immaculate Catholic Church in Bossley Park on Friday for the solemn service. Many wore pink ribbons in their hair, a tribute to Charlotte’s favourite colour. The student body of her primary school was given the day off to attend the funeral. As the service began, Charlotte’s parents, Mat and Kelly, struggled to hold back tears as they carried their daughter’s casket, adorned with lavender and butterflies, through the church. During an emotional eulogy, Kelly expressed her profound love for her daughter, saying, "I will grieve the life you never had." Kelly described Charlotte as her soulmate and best friend, recalling moments of joy and love they shared. “The first moment I held her in my arms will always be the best day of my life," she said tearfully. "I knew within a moment of being her mother that I had met my soulmate." Charlotte's stepfather, Mat, also spoke lovingly of her, recalling her kindness, bravery and the special bond they shared. He read from her final Father’s Day card, where she affectionately described him as “more than a captain”, expressing the deep love she held for him. A poignant slideshow of Charlotte’s life played during the service, accompanied by the song "You Are Not Alone". The photos showed Charlotte smiling and laughing with friends, celebrating birthdays and cuddling her newborn brother, offering glimpses of her joy-filled yet short-lived childhood. The service concluded with Kelly clutching a stuffed penguin, a symbolic farewell to her beloved daughter. Outside the church, mourners gathered around, throwing petals onto the hearse before it departed for the cemetery. While Charlotte’s parents did not directly address the bullying their daughter endured, the presiding priest highlighted the alarming statistic that one in three children worldwide are bullied, urging the community to reflect on their role in combating this issue. “There is a responsibility in the world, starting at home and in our communities. We must grow our hearts and minds in God’s work and continue to move forward,” he said. Charlotte’s death has left a lasting impact on her family, friends, and school community, sparking renewed conversations about the urgent need to address bullying in schools and beyond. <p style="box-sizing: border-box; margin-top: 0px; margin-bottom: 1rem; color: #212529; font-family: -apple-system, 'system-ui', 'Segoe UI', Roboto, 'Helvetica Neue', Arial, sans-serif, 'Apple Color Emoji', 'Segoe UI Emoji', 'Segoe UI Symbol', 'Noto Color Emoji'; font-size: 16px; background-color: #ffffff;">Need to talk to someone? Don't go it alone. <p style="box-sizing: border-box; margin-top: 0px; margin-bottom: 1rem; color: #212529; font-family: -apple-system, 'system-ui', 'Segoe UI', Roboto, 'Helvetica Neue', Arial, sans-serif, 'Apple Color Emoji', 'Segoe UI Emoji', 'Segoe UI Symbol', 'Noto Color Emoji'; font-size: 16px; background-color: #ffffff;">Call Lifeline on 13 11 14 or visit lifeline.org.au <p style="box-sizing: border-box; margin-top: 0px; margin-bottom: 1rem; color: #212529; font-family: -apple-system, 'system-ui', 'Segoe UI', Roboto, 'Helvetica Neue', Arial, sans-serif, 'Apple Color Emoji', 'Segoe UI Emoji', 'Segoe UI Symbol', 'Noto Color Emoji'; font-size: 16px; background-color: #ffffff;">Beyond Blue: 1300 224 636 <em style="font-weight: bolder; background-color: #ffffff; color: #212529; font-family: -apple-system, 'system-ui', 'Segoe UI', Roboto, 'Helvetica Neue', Arial, sans-serif, 'Apple Color Emoji', 'Segoe UI Emoji', 'Segoe UI Symbol', 'Noto Color Emoji'; font-size: 16px; box-sizing: border-box;">SANE: 1800 187 263; saneforums.org Images: 7News

Family & Pets

Transforming homes and lives: The rise of Compact Home Lifts

In an era where ageing in place has become increasingly important, homeowners are constantly looking for clever solutions to maintain their independence and comfort. Enter the game-changing alternative to traditional stairlifts: <a href="https://compactlifts.com.au/" target="_blank" rel="noopener">Compact Home Lifts</a>. These sleek and discreet elevators are revolutionising how people navigate their multi-storey homes, offering a perfect blend of functionality, style and peace of mind. For anyone considering home mobility solutions, Compact Home Lifts present a compelling case. Unlike bulky stairlifts that can radically alter the appearance of existing staircases, these lifts occupy less than a square metre of floor space, seamlessly integrating into almost any room of your house. But the real beauty lies in their versatility and minimal impact on your home's aesthetics. One of the most attractive features of these lifts is their self-supporting design. With no need for structural walls, installation is neat and non-invasive, preserving the integrity of your home. The fully contained motor and self-supporting rails ensure that the lift can be installed with minimal disruption to your daily life. Any concerns about energy consumption are quickly dispelled too when you learn that these lifts plug into a standard socket and use less power than boiling a kettle! This energy efficiency not only makes them environmentally friendly but also keeps operating costs low. <h2>Planning for the future</h2> While some homeowners may require a home lift immediately due to mobility issues, others are taking a proactive approach. By installing a Compact Home Lift, they’re future-proofing their homes, ensuring they can continue to enjoy their beloved space for years to come. This forward-thinking strategy eliminates the need for costly and emotionally taxing moves or extensive home renovations to accommodate single-floor living. <h2>Customer satisfaction and expert installation</h2> Compact Home Lifts has garnered an exceptional reputation, boasting impressive ratings from customers on Google. Their dedicated team of expert installers ensures that both homeowners and their properties are treated with the utmost care and professionalism. One satisfied customer, Kenneth S, shared his experience in August 2024, writing: “Cannot say enough good things about the team at Compact Home Lifts. They have been wonderful in every stage (including post installation). If you need a home lift, I recommend these guys.” <h2>Tailored solutions and expert advice</h2> Understanding that each home and homeowner's needs are unique, Compact Home Lifts offers personalised consultations. Their experts visit your property to help determine the optimal location for your lift and address any questions or concerns you may have. This tailored approach ensures that you receive a solution that perfectly fits your home and lifestyle. <img src="https://oversixtydev.blob.core.windows.net/media/2024/09/Article-Image-Body-3-Wheelchair-1280.jpg" alt="" width="1280" height="720" /> As Australia’s number one small home lift provider, Compact Home Lifts stands out with its rapid service, cost-effective solutions and small footprint designs. They offer a range of models, including wheelchair-accessible options, catering to diverse mobility needs. Perhaps one of the most reassuring aspects of choosing Compact Home Lifts is their commitment to quality and customer satisfaction. Each installation comes with a 7-year warranty, providing homeowners with long-term peace of mind (T&Cs apply). <h2>Embracing independence and comfort</h2> By choosing a Compact Home Lift, homeowners aren’t just investing in a mobility solution; they're investing in their future independence and quality of life. These lifts offer the freedom to move safely between floors, maintaining access to all areas of your home without the need for assistance. Compact Home Lifts represent a significant leap forward in home mobility solutions. They offer a perfect balance of functionality, aesthetics and peace of mind, allowing homeowners to continue enjoying the homes they love for years to come. As we look to the future of ageing in place, it's clear that these innovative lifts will play a crucial role in maintaining independence and enhancing the quality of life for countless individuals. For more information, watch the video below or visit the <a href="https://compactlifts.com.au/" target="_blank" rel="noopener">Compact Home Lifts</a> website. <iframe title="YouTube video player" src="https://www.youtube.com/embed/5TQEcW-lNe4?si=DonQNooUcOkadDdR" width="560" height="315" frameborder="0" allowfullscreen="allowfullscreen"></iframe> This is a sponsored article produced in partnership with Compact Home Lifts.

Home & Garden

Is it worth selling my house if I’m going into aged care?

<div class="theconversation-article-body"><a href="https://theconversation.com/profiles/colin-zhang-1234147">Colin Zhang</a>, <a href="https://theconversation.com/institutions/macquarie-university-1174">Macquarie University</a> For senior Australians who cannot live independently at home, residential aged care can provide accommodation, personal care and general health care. People usually think this is expensive. And many assume they need to sell their home to pay for a lump-sum deposit. But that’s not necessarily the case. Here’s what you need to consider. <h2>You may get some financial support</h2> Fees for residential aged care are complex and can be confusing. Some are for your daily care, some are means-tested, some are for your accommodation and some pay for extras, such as cable TV. But it’s easier to think of these fees as falling into two categories: <ul> <li> an “entry deposit”, which is usually more than <a href="https://www.health.gov.au/sites/default/files/documents/2020/06/eighth-report-on-the-funding-and-financing-of-the-aged-care-industry-july-2020-eighth-report-on-the-funding-and-financing-of-the-aged-care-industry-may-2020.pdf">$A300,000</a>, and is refunded when you leave aged care </li> <li> daily “<a href="https://www.myagedcare.gov.au/aged-care-home-costs-and-fees">ongoing fees</a>”, which are $52.71-$300 a day, or more. These cover the basic daily fee, which everyone pays, and the means-tested care fee. </li> </ul> To find out how much government support you’ll receive for both these categories, you will have a “<a href="https://www.myagedcare.gov.au/income-and-means-assessments/#aged-care-home">means test</a>” to assess your income and assets. This means test is similar (but different) to the means test for the aged pension. Generally speaking, the lower your aged-care means test amount, the more government support you’ll receive for aged care. With full support, you don’t need to pay an “entry deposit”. But you still need to pay the basic daily fee (currently, <a href="https://www.myagedcare.gov.au/aged-care-home-costs-and-fees">$52.71</a> a day), equivalent to 85% of your aged pension. If you get partial support, you pay less for your “entry deposit” and ongoing fees. <h2>You don’t need a lump sum</h2> You don’t have to pay for your “entry deposit” as a lump sum. You can choose to pay a rental-style daily cost instead. This is calculated as follows: you multiply the amount of the required “entry deposit” by the maximum permissible interest rate. This rate is set by government and is currently at <a href="https://www.health.gov.au/sites/default/files/documents/2021/03/schedule-of-fees-and-charges-for-residential-and-home-care-schedule-from-20-march-2021_0.pdf">4.01%</a> per year for new residents. Then you divide that sum by 365 to give a daily rate. This option is like borrowing money to pay for your “entry deposit” via an interest-only loan. You can also pay for your “entry deposit” with a combination of a lump sum and a daily rental cost. As it’s not compulsory to pay a lump sum for your “entry deposit”, you have different options for dealing with your family home. <h2>Option 1: keep your house and rent it out</h2> This allows you to use the rental-style daily cost to finance your “entry deposit”. Pros <ul> <li> you could have more income from rent. This can help pay for the rental-style daily cost and “ongoing fees” of aged care </li> <li> you might have a special sentimental attachment to your family house. So keeping it might be a less confronting option </li> <li> keeping an expensive family house will not heavily impact your residential aged care cost. That’s because any value of your family house above <a href="https://www.health.gov.au/sites/default/files/documents/2021/03/schedule-of-fees-and-charges-for-residential-and-home-care-schedule-from-20-march-2021_0.pdf">$173,075.20</a> will be excluded from your <a href="https://www.servicesaustralia.gov.au/organisations/health-professionals/services/aged-care-entry-requirements-providers/residential-care/residential-aged-care-means-assessment">means test</a> </li> <li> you can still access the capital gains of your house, as house prices rise. </li> </ul> Cons <ul> <li> your rental income needs to be included in the means test for your aged pension. So you might get less aged pension </li> <li> you might need to pay income tax on the rental income </li> <li> compared to the lump sum payment, choosing the rental-style daily cost means you will end up <a href="https://www.smh.com.au/money/super-and-retirement/seek-help-when-weighing-up-how-to-pay-for-your-aged-care-20191202-p53g16.html">paying more</a> </li> <li> you are subject to a changing rental market. </li> </ul> <h2>Option 2: keep your house and rent it out, with a twist</h2> If you have some savings, you can use a combination of a lump sum and daily rental cost to pay for your “entry deposit”. Pros <ul> <li> like option 1, you can keep your house and have a steady income </li> <li> the amount of lump sum deposit will not be counted as an asset in the pension means test. </li> </ul> Cons <ul> <li> like option 1, you could have less pension income, higher age-care costs and need to pay more income tax </li> <li> you have less liquid assets (assets you could quickly sell or access), which could be handy in an emergency. </li> </ul> <h2>Option 3: sell your house</h2> If you sell your house, you can use all or part of the proceeds to pay for your “entry deposit”. Pros <ul> <li> if you have any money left over after selling your house and paying for your “entry deposit”, you can invest the rest </li> <li> as your “entry deposit” is exempt from your aged pension means test, it means more pension income. </li> </ul> Cons <ul> <li>if you have money left over after selling your house, this will be included in the aged-care means test. So you can end up with less financial support for aged care.</li> </ul> <h2>In a nutshell</h2> Keeping your house and renting it out (option 1 or 2) can give you a better income stream, which you can use to cover other living costs. And if you’re not concerned about having access to liquid assets in an emergency, option 2 can be better for you than option 1. But selling your house (option 3) avoids you being exposed to a changing rental market, particularly if the economy is going into recession. It also gives you more capital, and you don’t need to pay a rental-style daily cost. <hr /> This article is general in nature, and should not be considered financial advice. For advice tailored to your individual situation and your personal finances, please see a qualified financial planner. Correction: this article previously stated the amount of lump sum deposit will not be counted as an asset in the aged-care means test, as a pro of option 2. In fact, the amount of lump sum deposit will not be counted as an asset in the pension means test.<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/161674/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/colin-zhang-1234147">Colin Zhang</a>, Lecturer, Department of Actuarial Studies and Business Analytics, <a href="https://theconversation.com/institutions/macquarie-university-1174">Macquarie University</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/is-it-worth-selling-my-house-if-im-going-into-aged-care-161674">original article</a>. </div>

Retirement Income

"You will be so missed": Slain brothers farewelled in emotional funeral

Ben and Russell Smith, who were <a href="https://oversixty.com.au/health/caring/grief-stricken-father-breaks-silence-after-sons-found-dead" target="_blank" rel="noopener">fatally stabbed in their Blue Mountains home</a>, have been farewelled in an emotional funeral. More than 750 people gathered to pay tribute to the young boys, aged 9 and 11, as the boy's father delivered a heartbreaking eulogy. Mourners embraced outside the church, with father Nick Smith saying his children were “the biggest pleasures and joys of our lives”. “Boys, it’s been an absolute, absolute privilege to be your father. I hold you so deeply in my heart,” Mr Smith said. “You are loved by your family, through your friends, through the community, through the school, through your soccer club, through the Panthers, throughout society." “You will be so missed. You had such beautiful little lives, such beautiful, beautiful adventures, and we had so much more adventure to come." He said Russell was "outgoing, kind, determined, caring and thoughtful, adventurous and just a heart of gold, who no matter what wanted to help". Mr Smith described his other son Ben as a "sweet boy", adding, "The one name you gave yourself was Ben Jelly, and it stuck." Mr Smith said he would make sure his sons are “never forgotten”. “You were such wonderful, cheeky, funny, charismatic boys,” he said. “You made the world a better place." “You’re my world. You’re my little Ben, my Russ, you’re my best crew. I’m gonna miss you two so much. Your memories are your legacy. I love you so much. I will never stop loving you. No one else will either.” The boys’ 42-year-old mother, Trish Smith, has been charged with their murder. Image credits: NSW Police

Family & Pets

Jamie Durie returns to Aussie TV with new show featuring his family

Jamie Durie is set to return to Aussie TV screens with his new renovation show, Growing Home, and this time it will feature his young family. The international award-winning landscape designer and seven-time Logie-winning host of shows such as Backyard Blitz, The Block and many more, will showcase his skills through the process of building a sustainable and luxury dream home for, and with his family. “After 26 years making TV shows all over the world, this is the show I’ve always wanted to make. And if we’re creating a show around sustainability, then my family and I need to do it first and practise what we preach,” he said in an interview for Better Homes and Gardens. Durie has called this the biggest challenge of his career. It’s been “five long years of planning and researching the most eco-friendly partners, methods and technologies we can find, and we’re finally ready to build this house,” Durie said. Durie will film alongside his wife singer/songwriter Ameka Jane, who is equally committed to sharing real-life stories with the world, and creating a more authentic life. “I think there is a common misconception that ‘sustainable’ or ‘eco-friendly’ means that it’s complicated or that we have to compromise on style and function,” Jane said. “We want to show Australia how easy and accessible it is to create a green home on any scale. Small changes can make a big impact. I was a green novice at the start of this mission, so if I can do it, anyone can.” Their two kids, three-year-old daughter Beau and 18-month-old son Nash, will also make appearances on the show. Growing Home aims to show an honest depiction of the struggles and accomplishments of building in the Northern Beaches, while educating on sustainability and what a greener future for Australia could look like. While no exact date has been released for the show, it is set to air soon on Channel 7 and 7Plus. You can watch a teaser for the show <a href="https://www.growinghomewithjamiedurie.com.au/" target="_blank" rel="noopener">here</a>. Images: Instagram/ Growing Home with Jamie Durie

"We won't recover": Grieving parents speak out ahead of daughter's funeral

Warning: This article contains discussions about suicide that some readers may find distressing. The grieving stepfather of 12-year-old Charlotte who died by suicide has spoken about the young girl's struggles with bullying as he prepares for her funeral. On Monday, Matthew remembered his stepdaughter as the “kindest, most caring little girl” whose death had followed “toxic” issues at school. “To lose a little girl at the age of 12 is something we won’t recover from,” he told 2GB’s Ben Fordham. Charlotte was a student at Santa Sabina College in Sydney’s inner west, with the Catholic school being forced to defend their handling of bullying in the wake of the 12-year-old's death. Matthew said he believed some of the responses from the school had been “unnecessary”, and claimed he had no direct communication from officials despite their public statements. “I think outside of the response from the broader community of the school I have to say I’ve been disappointed to say the least, with the response that’s come from the school,” he said. “Some of the responses that have gone into the media, I think the first response was around that there’s inconsistencies in their records and I thought that comment to go out at that time when we were grieving was unnecessary." “And since then, comments like the school’s been overwhelmed with support from other parents coming forward and saying how well they deal with these types of issues. And I’m sure they’ve had some communication and some support, Ben." “But those mothers that have given that school support, no doubt they will be planning on picking their daughter up from school today, and we are not.” Matthew went on to confirm that Charlotte's mother had repeatedly asked her daughter's school to do something about the bullying, and break up the friendship that put Charlotte through a "roller coaster". “I would not allow this behaviour to happen in my home,” he said. “I am not after any retribution for these girls … but I’m looking for the schools to step in … to act when these things are raised for the first time, not the second or third time.” Matthew said it was time school “friendship issues” were called out for what they really were, saying, “It’s not called a friendship issue in the workplace.” The year 7 student took her own life on September 9th, leaving a note to her parents that included names of those she wanted at her funeral and others who had made “life too hard”. It also instructed her mother, Kelly, to “tell the school please”, with the note reading, “Mama, please share my story to raise awareness.” The family are preparing to farewell her at a funeral on Friday, and have asked those who wish to send flowers to instead make a donation to the <a href="https://inmemoryofcharlotte.raiselysite.com" target="_blank" rel="noopener">Kids Helpline</a>. Need to talk to someone? Don't go it alone. Call Lifeline on 13 11 14 or visit lifeline.org.au Beyond Blue: 1300 224 636 SANE: 1800 187 263; saneforums.org Image credits: 2GB / Kids Helpline <p style="box-sizing: inherit; border: 0px; font-stretch: inherit; line-height: inherit; font-family: 'Helvetica Neue', HelveticaNeue, Helvetica, Arial, sans-serif; font-size-adjust: inherit; font-kerning: inherit; font-variant-alternates: inherit; font-variant-ligatures: inherit; font-variant-numeric: inherit; font-variant-east-asian: inherit; font-variant-position: inherit; font-feature-settings: inherit; font-optical-sizing: inherit; font-variation-settings: inherit; font-size: 18px; margin: 0px 0px 24px; padding: 0px; vertical-align: baseline;">

Caring

Young homeowners are more likely to use their home as an ‘ATM’ than their Boomer parents. Here’s why

<div class="theconversation-article-body"><a href="https://theconversation.com/profiles/rachel-ong-viforj-113482">Rachel Ong ViforJ</a>, <a href="https://theconversation.com/institutions/curtin-university-873">Curtin University</a> and <a href="https://theconversation.com/profiles/christopher-phelps-378137">Christopher Phelps</a>, <a href="https://theconversation.com/institutions/curtin-university-873">Curtin University</a> For many Australians, the family home is their largest financial asset. With an increasing variety of ways to tap into home equity, the temptation to access this wealth is ever growing. Homeowners increase the debt owed on their home when they borrow against their <a href="https://doi.org/10.1080/02673037.2013.783202">equity</a>. Standard mortgage home loans now provide facilities for relatively cheap or free withdrawals of equity from the home. This turns the <a href="https://theconversation.com/your-home-as-an-atm-home-equity-a-risky-welfare-tool-22000">home into an ATM</a>, which borrowers can access when they choose. Our new <a href="https://doi.org/10.1080/02673037.2024.2400158">study</a> asks what motivates Australians to tap into their home equity, and how does this behaviour change with age? Surprisingly, despite having much lower housing equity levels, younger homeowners borrow often, and borrow more, than their Boomer parents. <h2>How common is equity borrowing?</h2> Using 15 years of data from the government-funded <a href="https://melbourneinstitute.unimelb.edu.au/hilda">Household, Income and Labour Dynamics in Australia </a>(HILDA) survey, we tracked the mortgage debt and repayments of homeowners aged 35 and over. The chart below shows younger owners are far more likely to engage in equity borrowing. In 2006, nearly 39% of the youngest homeowners, aged 35–44, borrowed against their home equity. By 2021, this number had dropped to 29%. Despite the decline, it’s still 24 percentage points more common than those aged 65 and over. The older group has remained steady at about 5% over the years. <hr /> <iframe id="Ll9Cw" class="tc-infographic-datawrapper" style="border: 0;" src="https://datawrapper.dwcdn.net/Ll9Cw/" width="100%" height="400px" frameborder="0" scrolling="no"></iframe> <hr /> <h2>How much do equity borrowers withdraw from their home?</h2> Among those who use their home like an ATM, younger borrowers now withdraw larger amounts than older borrowers. In 2006–07, equity borrowers aged 35–44 and 45–54 withdrew on average $43,000 and $57,000, respectively (expressed in real values set at 2022 price levels). By 2021, the amount withdrawn by these two age groups had climbed to $70,000 and $100,000. On the other hand, the amount withdrawn by borrowers aged 55 or older fell from more than $50,000 to less than $40,000. <hr /> <iframe id="ujq3S" class="tc-infographic-datawrapper" style="border: 0;" src="https://datawrapper.dwcdn.net/ujq3S/" width="100%" height="400px" frameborder="0" scrolling="no"></iframe> <hr /> <h2>What motivates equity borrowing?</h2> Young homeowners’ equity borrowing behaviours are sensitive to changes in house prices and debt values, and their financial risk preferences. Among those aged 35–44, a $10,000 increase in the primary home value raises the likelihood of equity borrowing by ten percentage points. Every $10,000 in debt against the primary home reduces the likelihood by 2.8% percentage points. Those willing to take substantial financial risk are eight percentage points more likely to borrow against their home than those who are risk-averse. Those aged 65+ are not inclined to borrow, and exhibit little change in equity borrowing behaviour with variations in asset, debt, income or financial risk preferences. <h2>Why borrowing practices differ between age groups</h2> As well as being more likely than older homeowners to borrow against equity, the younger group also withdraws higher amounts than their Boomer parents. This is despite younger borrowers already carrying much higher debt against their primary home. Among those in our study who engaged in equity borrowing in 2021, the median debt before borrowing was $401,000 for 35-44 year-olds compared to $0 for those aged 65+. As real house prices have risen over decades, the current generation of young homeowners has had to invest more money into purchasing their first home than previous generations. It’s therefore not surprising the primary home is now widely viewed as a financial resource to be <a href="https://theconversation.com/your-home-as-an-atm-home-equity-a-risky-welfare-tool-22000">tapped into to meet spending needs</a>. On the other hand, most Baby Boomers bought their first home at more affordable prices than their children, and at lower levels of debt. Now they don’t appear to be spending their kids’ inheritance by drawing down housing wealth. In fact, older parents may shy away from equity borrowing to <a href="https://www.pc.gov.au/research/completed/wealth-transfers/wealth-transfers.pdf">bequeath wealth to children</a>. Some also <a href="https://doi.org/10.1017/S0047279417000058">dislike passing debt</a> on to their children. Older people may also avoid equity borrowing due to concerns about <a href="https://treasury.gov.au/sites/default/files/2023-08/p2023-435150.pdf">aged care costs</a>. Some may be hampered by <a href="https://doi.org/10.1016/j.jue.2013.08.003">poor financial literacy</a>. <h2>More debt ahead without policy changes</h2> Present trends suggest young homeowners will remain indebted for longer periods, and more and more will <a href="https://theconversation.com/more-of-us-are-retiring-with-mortgage-debts-the-implications-are-huge-115134">retire with mortgage debt</a>. For indebted retirees, there are real prospects of <a href="https://theconversation.com/fall-in-ageing-australians-home-ownership-rates-looms-as-seismic-shock-for-housing-policy-120651">drawing down of superannuation</a> to pay off mortgages in retirement. This may impose extra burdens on the age pension system. Another unwelcome consequence, which may add to health costs, is the prospect of <a href="https://www.ahuri.edu.au/sites/default/files/migration/documents/AHURI-Final-Report-319-Mortgage-stress-and-precarious-home-ownership-implications-for-older-Australians.pdf">debt-related psychological distress</a> among those who can’t pay off their mortgage in old age. If the current trends continue, the <a href="https://www.afr.com/policy/economy/what-happens-when-australia-s-boomers-hand-5-trillion-to-their-heirs-20240515-p5jdvf">great wealth transfer</a> that has already begun looks set to <a href="https://theconversation.com/not-everyone-wins-from-the-bank-of-mum-and-dad-73842">further entrench inequality</a> between those who have access to the bank of mum and dad and those who do not. Encouraging older people to use their housing equity to fund their needs in old age may lighten fiscal burdens on younger generations. But policy reforms will be needed to relieve concerns about the risks of equity borrowing in old age.<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/238924/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/rachel-ong-viforj-113482">Rachel Ong ViforJ</a>, ARC Future Fellow & Professor of Economics, <a href="https://theconversation.com/institutions/curtin-university-873">Curtin University</a> and <a href="https://theconversation.com/profiles/christopher-phelps-378137">Christopher Phelps</a>, Research Fellow, School of Accounting, Economics and Finance, <a href="https://theconversation.com/institutions/curtin-university-873">Curtin University</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/young-homeowners-are-more-likely-to-use-their-home-as-an-atm-than-their-boomer-parents-heres-why-238924">original article</a>. </div>

Money & Banking

What the government’s home care changes mean for ageing Australians

<div class="theconversation-article-body"> <a href="https://theconversation.com/profiles/tracy-comans-696663">Tracy Comans</a>, <a href="https://theconversation.com/institutions/the-university-of-queensland-805">The University of Queensland</a> and <a href="https://theconversation.com/profiles/frances-batchelor-2209350">Frances Batchelor</a>, <a href="https://theconversation.com/institutions/the-university-of-melbourne-722">The University of Melbourne</a> The Albanese government has this week announced it will introduce one of the <a href="https://www.health.gov.au/ministers/the-hon-anika-wells-mp/media/once-in-a-generation-aged-care-reforms">largest reforms</a> to Australia’s aged-care sector to date. The package includes a A$4.3 billion investment in home care, now called “<a href="https://www.health.gov.au/our-work/support-at-home">Support at Home</a>”, to come into effect from July 2025. This reflects both the desire of many people to remain living at home as they age, and the government’s desire to reduce the costs of residential aged care. So what changes is the government making to home care packages? And what will these changes mean for ageing Australians? <h2>Reducing waiting times</h2> One of the major complaints about the current home care system is the long waiting times. Estimates suggest there’s a <a href="https://www.gen-agedcaredata.gov.au/getmedia/447b425c-63d6-4b96-a1fc-4dac805066ba/Home-Care-Packages-Program-data-report-1-January-%E2%80%93-31-March-2024">6–to-12-month wait</a> for the higher level 3 and 4 home care packages. For people with the highest needs, this is far too long. As of March this year, around <a href="https://www.gen-agedcaredata.gov.au/getmedia/447b425c-63d6-4b96-a1fc-4dac805066ba/Home-Care-Packages-Program-data-report-1-January-%E2%80%93-31-March-2024">45,000 people</a> were waiting for any level of home care. An additional 14,000 were already receiving a package, but on a lower level of home care than they were entitled to. With additional funding, the new system will <a href="https://www.health.gov.au/ministers/the-hon-anika-wells-mp/media/once-in-a-generation-aged-care-reforms">support more participants</a>. It aims to shorten wait times to <a href="https://www.health.gov.au/sites/default/files/2024-09/support-at-home-fact-sheet.pdf">an average of three months</a> from July 2027. <h2>Changes to services</h2> The new system will replace the current four levels of home care packages with <a href="https://www.health.gov.au/ministers/the-hon-anika-wells-mp/media/once-in-a-generation-aged-care-reforms">eight classifications</a> of funding for services. When participants are assessed, they will be assigned the most suitable category. There’s currently very limited information on what these classifications are, but the idea is they will provide more targeted services. A number of short-term supports will also be available. These include assistive technology (such as mobility aids) and home modifications. Some people will be able to access 12 weeks of restorative care – a more intensive program designed to build function after injury or illness – as well as palliative care support. The way different types of services are subsidised is also changing. Previously, the same means-tested co-contribution applied regardless of the type of service. Under the new system, services are categorised into clinical care (for example, physiotherapy or wound care), independence (such as help with bathing or cooking) and everyday living (for example, gardening or home maintenance). The new reforms fully subsidise clinical services regardless of income, whereas independence and everyday living services will attract co-contributions based on means testing. For example, <a href="https://www.health.gov.au/sites/default/files/2024-09/case-studies-support-at-home.pdf">a self-funded retiree</a> would pay nothing out of pocket for physiotherapy, but would pay 50% for help with showering and 80% towards gardening costs. A full pensioner would also pay nothing for physiotherapy, but pay 5% for help with showering and 17.5% of the cost of gardening. This is a positive change. Our research has previously highlighted a tendency for people with home care packages to choose everyday living services <a href="https://onlinelibrary.wiley.com/doi/full/10.1155/2023/4157055">such as gardening</a> and cleaning and refuse clinical care such as allied health and nursing as these types of services were more expensive. These changes should make older people more likely to choose allied health and clinical care services, which will help them maintain their function and stay fitter for longer. <h2>Some challenges</h2> For the government’s reforms to deliver faster and better support at home, a number of issues need to be addressed. As people stay at home for longer, we also see that these <a href="https://academic.oup.com/ageing/article/52/5/afad058/7147101">people are frailer</a> and have more health conditions than in the past. This requires a different and more highly skilled home care workforce. The current <a href="https://www.health.gov.au/sites/default/files/documents/2021/10/2020-aged-care-workforce-census.pdf">home care workforce</a> consists largely of personal care and domestic support workers alongside a much smaller skilled workforce of registered nurses and allied health professionals. But with the changing profile of people receiving care at home, there will need to be a greater focus on maintaining functional capacity. This might mean more allied health input will be required, such as from physiotherapists and occupational therapists. It’s difficult to source an appropriately skilled workforce across the sector, and almost impossible in <a href="https://www.ruralhealth.org.au/sites/default/files/publications/fact-sheet-allied-health.pdf">rural and remote areas</a>. Alternative models, such as training personal care workers to act as allied health assistants, and effectively using technology such as telehealth, will be necessary to meet demand without compromising on quality of care. One example of the need for upskilling in specific areas relates to caring for people with dementia. The majority of people who are living with dementia at home receive care from family carers, supported by home care workers. It’s vital that these care workers have adequate knowledge and skills specific to dementia. However, research has shown the home care workforce may <a href="https://pubmed.ncbi.nlm.nih.gov/31646701/">lack the knowledge and skills</a> to provide best-practice care for people living with dementia. Specialised <a href="https://onlinelibrary.wiley.com/doi/10.1002/gps.6140">dementia training</a> for home care workers is effective in improving knowledge, attitudes and sense of competence in providing care. It should be rolled out across the sector. <h2>What about unpaid care at home?</h2> Unpaid carers, such as family members, provide <a href="https://www.pmc.gov.au/resources/draft-national-strategy-care-and-support-economy/goal-1-quality-care-and-support/support-for-informal-carers">significant amounts of care</a> for older people. The value of this unpaid care is estimated to be in the billions. As older people stay at home for longer, this is set to increase even further. However, carers with high care burdens are particularly vulnerable to <a href="https://www.sciencedirect.com/science/article/pii/S2352827316300283#s0025">poor physical and mental health</a>. Without adequate support, we may find extra caring pressures lead to a breakdown in caring relationships and an increase in other health-care costs for both the carer and care recipient. So we need to ensure carers have adequate financial, psychological and practical support. But the currently available detail on the reforms doesn’t indicate this has been adequately addressed. With careful implementation and ongoing evaluation, these reforms have the potential to significantly enhance the home care system. However, their success will depend on addressing workforce challenges, ensuring adequate support for unpaid carers, and maintaining a focus on the holistic needs of older Australians. More information about Support at Home is <a href="https://www.health.gov.au/our-work/support-at-home/about">available online</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/238890/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/tracy-comans-696663">Tracy Comans</a>, Executive Director, National Ageing Research Institute; Professor, Centre for Health Services Research, <a href="https://theconversation.com/institutions/the-university-of-queensland-805">The University of Queensland</a> and <a href="https://theconversation.com/profiles/frances-batchelor-2209350">Frances Batchelor</a>, Director Clinical Gerontology & Senior Principal Research Fellow, National Ageing Research Institute, <a href="https://theconversation.com/institutions/the-university-of-melbourne-722">The University of Melbourne</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/what-the-governments-home-care-changes-mean-for-ageing-australians-238890">original article</a>. </div>

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"World's biggest" amber nugget worth over $1 million used as doorstop for decades

An elderly woman in Romania has unknowingly used one of the largest known amber nuggets in the world - worth over €1 million ($1.6 million) - as her doorstop for decades. The woman found the stone in the bed of a stream in Colti, a village in the southeast Romania, and used it as her doorstop for years without realising its value. Members of her family also reported that thieves had once broken into her home, but only stole a few pieces of gold jewelry, missing the seemingly insignificant rock. “In their frantic search for valuables, they overlooked the real treasure that was there before their eyes,” they said. It wasn't until after the woman died in 1991 that a relative who inherited her home suspected the doorstop might be more than meets the eye - and he was right. When he sold the amber to the Romanian state, experts at the Museum of History in Krakow, Poland appraised the rock and found that the amber is likely between around 38 and 70 million years old. “Its discovery represents a great significance both at a scientific level and at a museum level,” Daniel Costache, director of the Provincial Museum of Buzau, told local news outlet El Pais. The expert also claimed that the amber is one of the largest pieces in the world and the largest of its kind weighing a hefty 3.5-kilograms. It has now been classified as a national treasure of Romania, and can be found in the Provincial Museum of Buzau, where it has been since 2022. Romania is one of the countries with significant deposits of amber, with Buzau County being one of the areas where you can find these beautiful stones in abundance. The protected area also contains the old Stramba amber mine, which was very productive during the first half of the 21st century, before it was shut down by the communist regime as it was considered unprofitable. Image: Buzău County Museum

Home & Garden

Mother arrested after two boys found dead in Blue Mountains home

A mother has been arrested after the tragic discovery of her two sons, aged nine and 11, dead at their home in the Blue Mountains, New South Wales. The boys, Russell and Ben, were found by their father at the family's home in Faulconbridge shortly before 12:40pm. Their mother, Trish Smith, 42, was also found at the scene with several self-inflicted injuries. She has been taken to Westmead Hospital and is in a stable condition. No charges have been laid so far. Superintendent John Nelson of the Blue Mountains police confirmed that Mr Smith, the father, discovered the bodies and contacted authorities. "The father is helping us with inquiries, and he was the one who contacted police... all avenues are open for investigation," Nelson stated. While the police have not confirmed whether a weapon was involved, they are working to understand the sequence of events leading to the boys' deaths. The family, who had no prior history of domestic violence and minimal contact with the police, has left the community in shock. Superintendent Nelson said that the investigation is still in its early stages, and no speculation will be made at this time. The boys had attended school on Monday with no apparent issues, and authorities are now trying to trace their movements on Tuesday to piece together what might have happened. The nearby Springwood High School was involved in the emergency response as its oval was used as a helipad for medical evacuations. Homicide detectives from the State Crime Command have been assigned to the case, and police are continuing to speak with neighbours to uncover any possible motives. Blue Mountains Mayor Mark Greenhill expressed the community’s grief in a statement: "Our community has lost two precious souls in the most awful circumstances. Now is a time to come together and remember these two beautiful children." NSW Police Commissioner Karen Webb acknowledged the profound emotional toll the incident has had on law enforcement officers. "I think the older and more experience you get in this job, things like this still cut to the core. It’s a tragic situation," she said. Authorities have confirmed that no one else is being sought in connection with the deaths, and there is no ongoing threat to the community. The investigation continues as police work to understand the full circumstances surrounding this heartbreaking incident. Need to talk to someone? Don't go it alone. Call Lifeline on 13 11 14 or visit lifeline.org.au Beyond Blue: 1300 224 636 SANE: 1800 187 263; saneforums.org Image: Supplied

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"World's biggest" amber nugget worth over $1 million used as doorstop for decades

Mother arrested after two boys found dead in Blue Mountains home

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