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Super funds are using ‘nudges’ to help you make financial decisions. How do they work?

<div class="theconversation-article-body"><em><a href="https://theconversation.com/profiles/fernanda-mata-1533222">Fernanda Mata</a>, <a href="https://theconversation.com/institutions/monash-university-1065">Monash University</a>; <a href="https://theconversation.com/profiles/breanna-wright-267597">Breanna Wright</a>, <a href="https://theconversation.com/institutions/monash-university-1065">Monash University</a>, and <a href="https://theconversation.com/profiles/liam-smith-5152">Liam Smith</a>, <a href="https://theconversation.com/institutions/monash-university-1065">Monash University</a></em></p> <p>Late last year the federal government announced <a href="https://ministers.treasury.gov.au/ministers/stephen-jones-2022/media-releases/government-unveils-comprehensive-financial-advice">measures</a> to make it easier for Australians to access financial advice.</p> <p>As part of this, the government wants super funds to use “nudges” to get members to engage more with their retirement investments and superannuation, especially when they’re starting work and approaching retirement.</p> <p>While the legislation containing the changes is still in the consultation phase, super funds are <a href="https://www.afr.com/companies/financial-services/super-funds-spend-big-ahead-of-advice-reforms-20240418-p5fkx6">upskilling staff</a> and making other changes to improve customer service or risk a government crackdown.</p> <p>Telling funds to use <a href="https://www.behaviourworksaustralia.org/blog/nudging-what-is-it-and-how-can-we-use-it-forgood">nudge theory</a> to advise on super comes as more than five million Australians are heading towards retirement.</p> <h2>What is nudge theory?</h2> <p>Nudging is used to encourage people to pick the “better” option, without taking away their freedom to choose differently.</p> <p>For example, sending regular reminders to members about the benefits of voluntary contributions can get them to increase the amount they put in. This nudge makes it easier for them to contribute more – the better option – while still allowing them to choose not to.</p> <p>Assistant Treasurer Stephen Jones <a href="https://ministers.treasury.gov.au/ministers/stephen-jones-2022/media-releases/government-unveils-comprehensive-financial-advice">explained</a> the government’s changes were needed because so-called “fin-fluencers” were providing unregulated financial advice on social media platforms to Australians unable to pay an adviser.</p> <h2>Helping people protect their interests</h2> <p>There are three ways, supported by research, nudges can help Australians engage with their super.</p> <p><strong>1. Future self visualisation</strong></p> <p>This involves getting young people to think about their <a href="https://www.halhershfield.com/considering-the-future-self">future selves</a> and visualise their life in retirement. This can help them to recognise the long-term benefits of getting actively involved with their super.</p> <p>Showing fund members how they might look when older by using an ageing filter software, for example, can make this visualisation more real for them and <a href="https://journals.sagepub.com/doi/full/10.1177/23794607231190607">enhance understanding of their future selves, leading to higher engagement</a>.</p> <p><strong>2. Simplification</strong></p> <p>We all know financial products and superannuation can be complicated. The information and choices presented can lead to <a href="https://thedecisionlab.com/biases/choice-overload-bias">decision paralysis</a>, causing people to delay or opt out of making a decision. By simplifying the process, funds can motivate people to get more engaged with their super.</p> <p>To get people to make voluntary contributions, for example, it might be more effective for funds to recommend <a href="https://siepr.stanford.edu/news/how-simple-nudge-can-motivate-workers-save-retirement">a specific percentage of their salary</a> rather than offering several options. Deciding whether to boost contributions by an extra 3%, 4% or 5% can be overwhelming, especially for people with poor <a href="https://theconversation.com/are-you-financially-literate-here-are-7-signs-youre-on-the-right-track-202331">financial literacy</a>.</p> <p><strong>3. Language and framing</strong></p> <p>The way options are framed and the language super funds use can significantly impact member engagement.</p> <p>Australians may be more likely to make higher voluntary contributions if they are asked how much they want <a href="https://www.bi.team/press-releases/the-small-nudges-that-could-make-young-people-142000-better-off-in-retirement/">to “invest” in their super </a> instead of how much they want to “contribute” or “add”.</p> <p>The word “invest” encourages people to think about future benefits, motivating them to make higher contributions.</p> <p>How options are labelled can also have an impact on <a href="https://www.bi.team/press-releases/the-small-nudges-that-could-make-young-people-142000-better-off-in-retirement/">member engagement</a> and decision making.</p> <p>For example, highlighting concrete benefits of different voluntary payments, such as “a 4% contribution keeps you above the poverty line”, and “a 10% contribution allows for a comfortable retirement according to Australian standards” can increase how much people are willing to contribute.</p> <h2>Ethical use of nudges</h2> <p>The <a href="https://www.superreview.com.au/news/superannuation/industry-body-backs-super-fund-nudges-though-parameters-need-be-set">Financial Services Council</a> backs the government on getting super funds to nudge members about contributions and investments but says there are limits.</p> <p>Parameters around nudging should be set […] to ensure that the language is appropriate and does not ultimately amount to defaulting.</p> <p>For example, letting a customer know that as they approach retirement, they need to make a decision about what retirement product they wish to utilise would be an acceptable nudge, while contacting a customer to let them know that they will be placed in a product when they retire, would not necessarily be acceptable.</p> <p>The council emphasises the importance of super funds recognising <a href="https://www.superreview.com.au/news/superannuation/industry-body-backs-super-fund-nudges-though-parameters-need-be-set">people’s autonomy</a> when delivering a “soft” or “hard” nudge.</p> <p>Soft nudges are gentle prompts and reminders designed to guide people to make good choices without pressuring them, such as sending an email reminder to review their investment options. Hard nudges are more direct in their guidance. These might include recommending specific investment options.</p> <p>Despite these differences, <a href="https://www.behaviourworksaustralia.org/blog/can-we-have-a-quiet-word-about-behavioural-science">ethical use of nudges</a> should encourage engagement while respecting people’s autonomy by making it easy for them to opt out.</p> <p>The use of nudges presents a valuable opportunity to increase superannuation fund members’ engagement.</p> <p>Whether through future self visualisation, simplification or language framing, ethical nudges can motivate members to take action, leading to greater confidence in navigating the retirement transition and achieving retirement goals.<!-- Below is The Conversation's page counter tag. Please DO NOT REMOVE. --><img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/230404/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /><!-- End of code. If you don't see any code above, please get new code from the Advanced tab after you click the republish button. The page counter does not collect any personal data. More info: https://theconversation.com/republishing-guidelines --></p> <p><em><a href="https://theconversation.com/profiles/fernanda-mata-1533222">Fernanda Mata</a>, Research Fellow, <a href="https://theconversation.com/institutions/monash-university-1065">Monash University</a>; <a href="https://theconversation.com/profiles/breanna-wright-267597">Breanna Wright</a>, Research fellow, BehaviourWorks Australia, Monash Sustainable Development Institute, <a href="https://theconversation.com/institutions/monash-university-1065">Monash University</a>, and <a href="https://theconversation.com/profiles/liam-smith-5152">Liam Smith</a>, Director, BehaviourWorks, Monash Sustainable Development Institute, <a href="https://theconversation.com/institutions/monash-university-1065">Monash University</a></em></p> <p><em>Image credits: Shutterstock </em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/super-funds-are-using-nudges-to-help-you-make-financial-decisions-how-do-they-work-230404">original article</a>.</em></p> </div>

Money & Banking

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10 ways to cruise as a senior

<p>Just because you’re older, that doesn’t mean you can’t experience all that a cruising holiday has to offer. Follow our simple tips for a fun filled holiday on the water.</p> <p><strong>1. Choose the right ship</strong></p> <p>Cruise ships today carry anywhere from six to 6,000 people. The larger megaliners tend to be geared towards families with plenty of crazy rides and high-energy activities. They’ll also probably be crowded with kids. Smaller boutique ships operate at a slower pace and are generally stocked with an older crowd. Do your research and find one to suit you.</p> <p><strong>2. And the right cabin</strong></p> <p>Do you need an accessible cabin? Do you want to reduce walking with a cabin close to the elevators? Is it important for you to have some outside space of your own? These are all important questions that you’ll need to answer when you book. The right cabin can make or break a cruise.</p> <p><strong>3. Pick an appropriate itinerary</strong></p> <p>You’ll need to decide if you want to visit new places every day or spend more time onboard the ship. Both have their advantages and disadvantages. Port heavy itineraries, where you’re stopping at a new destination every day, can be tiring. On the other hand, you might get bored with too many days at sea.  Think realistically about your needs and make the right choice for you.</p> <p><strong>4. Research your dates</strong></p> <p>One of the best things about being a senior traveller is that you are (generally) no longer bound by things like school holidays. By avoiding these times you’ll not only save money, you won’t be on a ship with an unusually high proportion of children. When cruising in the Caribbean, you’ll also need to keep in mind the US college holidays so you’re not trapped with a bunch of boozy spring breakers.</p> <p><strong>5. Allow extra time</strong></p> <p>It’s a sad fact of ageing that you’re not as quick on your feet as you used to be. That means you’ll need to factor in extra time for just about everything. Ships can be huge, so you don’t want to be rushing to make a dinner reservation or spa appointment. This applies on shore too. If you’re really late, the ship will leave without you so don’t cut it too fine.</p> <p><strong>6. Choose the right shore excursions</strong></p> <p>Before you book, have a chat with the shore excursions team and get a good idea of the physical requirements. What they consider minimal walking might not be the same as what you consider minimal walking. These tours aren’t cheap, so you want to be sure that you can enjoy everything it involves.</p> <p><strong>7. Look at onboard activities</strong></p> <p>You might not want to get off at every port (which can be exhausting) but still want to be entertained onboard. And adventurous activities like skydiving simulators and giant waterslides may not be your thing any more. Many cruise lines offer fantastic enrichment programs onboard where you can listen to world-class lecturers, learn new skills or watch performances from the likes of the Royal Academy of Dramatic Arts or the Lincoln Centre.</p> <p><strong>8. Give yourself time to relax</strong></p> <p>You’re on holiday! If you want to spend a day in bed, watching movies and ordering room service then do exactly that. Don’t feel any pressure to be up and about every day.</p> <p><strong>9. Travel with the right companions</strong></p> <p>Solo, couple, friends or family, there’s a cruise for every group. Cruising is hugely popular with multi-generational groups as there something for everyone to do, but it might not make for the most relaxing holiday. If you’re a solo traveller, you can book a single cabin all to yourself or find a room mate with any number of matching services. Just think carefully – because once you’re onboard with your travel buddy, there’s no getting off.</p> <p><strong>10. Think about medical care</strong></p> <p>Be realistic about any medical needs you may have. Most ships have a decent medical centre, but if you are spending multiple days at sea or cruising to very remote destinations and something happens it might not be enough to help you. If you are concerned, choose cruises that stay close to shore or visit developed countries where you can get proper treatment quickly.</p> <p><em>Image credits: Shutterstock </em></p>

Cruising

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REVIEW: Super-intelligent, dog-detecting robot lawn mower

<p>I was recently invited to an onsite demonstration of a brand new line of lawn mowers that were pitched as being not just a lawn mower, but a furry-friend dodging, grass-grooming marvel of modern technology.</p> <p>According to the specs, the <a href="https://au.worx.com/vision-technology/" target="_blank" rel="noopener">WORX LANDROID® Vision</a> is the world’s first advanced AI, "unbox &amp; mow" robot lawn mower. "No wire. No satellite. No beacons. No time between unboxing and mowing."</p> <p>Using a combination of HRD camera, the latest AI smarts and a deeply trained neural network to identify grass to mow and obstacles to avoid, it features the innovative "Cut-to-Edge" function, multi-zone management and adaptive auto-scheduling. Plus an<span style="font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Oxygen, Ubuntu, Cantarell, 'Open Sans', 'Helvetica Neue', sans-serif;"> optional LED headlight safe night-mowing (apparently, unlike conventional robots, Vision sees nocturnal animals and stays away from them).</span></p> <p>But the real test for me was always going to be: how would something like the Vision get along with my dog, Rosie? I was offered the chance to try out one of the mowers for a few weeks, and so I jumped at it.</p> <p>But let's talk about Rosie for a moment. Now, this little ball of fur thinks she's the queen of the backyard. She zooms around like a tiny tornado, and honestly I think she believes the grass is her personal chew toy. So, when I introduced the LANDROID into the mix, I was half expecting chaos and half hoping for a miracle.</p> <p>Lo and behold, this mower is not just a lawn whisperer; it's a puppy ninja. The WORX LANDROID has some sort of superpower in its sensors, allowing it to detect my pup's presence and skilfully manoeuvre around her. It was like watching a graceful dance between technology and canine curiosity.</p> <p>For the duration of the test, Rosie basically appointed herself as the official supervisor of lawn maintenance, proudly watching from a safe distance (and sometimes not so safe) as the LANDROID worked its magic.</p> <p>But let's not forget about the real star of the show: the lawn itself. The LANDROID doesn't just dodge around obstacles; it trims with precision, leaving my yard looking like a freshly coiffed celebrity. It's like having a personal stylist for my grass – one that never sleeps. </p> <p>And the best part? I get to sit back, relax and sip my lemonade while the LANDROID does all the heavy lifting (or should I say, mowing). It's like having a reliable little garden gnome, except this one runs on electricity and has impeccable dodging skills.</p> <p>So if you want a lawn mower that's not only efficient but also entertaining, look no further than the <a href="https://au.worx.com/vision-technology/" target="_blank" rel="noopener">WORX LANDROID Vision</a>. It's the perfect blend of technology, pet sensitivity and grass-grooming prowess. Plus, it's the only mower I know that can outmanoeuvre a puppy – and that is definitely something to bark about.</p> <p><em>Images: Alex Cracknell</em></p>

Home & Garden

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12 super simple ways to save some cash

<p>Saving money is a lot easier said than done. Whether you’ve got a holiday you’re thinking about taking, or you just want to make day to day life a little less stressful, there is a range of strategies you can employ to put a couple of dimes together. Here are 12 tips to cut costs:</p> <p>1. Don't buy luxury, sometimes the budget brands are just as good and save you heaps.</p> <p>2. Read the junk mail and compare offers because you can get a better deal where you didn't think you could.</p> <p>3. Cut unnecessary expenses and reduce, if possible, the necessary expenses as well.</p> <p>4. Buy used goods, it's cheaper and you can haggle.</p> <p>5. See if you can switch power companies. I'm aware of several people who are saving $250 a year.</p> <p>6. Borrow books and movies from the library or movie store - it's free or low cost compared to buying new and it's fast.</p> <p>7. Barter with family and friends, it's free and everyone wins.</p> <p>8. Take advantage of specials, sales and deals including buying in bulk, it can save you more than you realise.</p> <p>9. Walk, bike or car pool or use other public transport, it's good for the environment and saves you money.</p> <p>10. Shop around for the best deal, it might be better elsewhere.</p> <p>11. Follow insurance company advice: Don't smoke, do have alarms and do get multi policies - it protects you and saves cash.</p> <p>12. Have a savings account with all the savings from this and don't touch it, you will be amazed at what you have saved in a short time.</p> <p><em>Written by John Murphy. Republished with permission of <a href="http://www.stuff.co.nz/" target="_blank" rel="noopener"><strong><span style="text-decoration: underline;">Stuff.co.nz</span></strong></a>.</em></p> <p><em>Image credits: Getty Images </em></p>

Money & Banking

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Heroic fan tackles deadly shooter at victory parade

<p>Three people have been taken into custody after a deadly shooting at a Super Bowl victory parade, where one person has died. </p> <p>At least 21 people have suffered injuries, nine of which being children, at the parade in Kansas City, following the Kansas Chiefs victory over the San Francisco 49ers.</p> <p>As one of the shooters opened fire in the crowd, one heroic football fan was captured on video tackling the gunman to the ground. </p> <p>The video also shows panicked crowds fleeing the sounds of the gunfire, as police ran towards the commotion.</p> <p>Kansas City Police Chief Stacey Graves confirmed in a second update to media that one person had died after 22 people had been shot.</p> <p>“We have three persons detained and under investigation,” she said.</p> <p>“We are working to determine if one of the three is the one that was in that video where fans assisted police.”</p> <p>She added that “right now we do not have a motive, but we are asking those who may potentially have any kind of information, a witness or video, to contact police”.</p> <p>At an earlier briefing, Ms Graves said she was “angry at what happened today”.</p> <p>Kansas City Mayor Quinton Lucas said, “The celebration was marred by a shooting. This is absolutely a tragedy.” </p> <p>Witness Kade Collins, who attending the parade with his dad, described the ordeal to local news station Fox 4 KC.</p> <p>“We heard 10 to 12 gunshots, but we thought they were fireworks, so we didn’t really panic at first or get too worked up. But then everyone started screaming and took off running,” Mr Collins said.</p> <p>Mr Collins said his dad saw police tackle a suspect after the crowd saw the gunman. </p> <p>“When we were walking out, there was someone pointing and saying, ‘He’s right there, he’s right there’, and police ran to the guy the crowd was pointing at and tackled him and put him in handcuffs,” he said. “Everyone took off running and screaming.”</p> <p>The Kansas City Chiefs said in a statement that all players, coaches, staff and their families were “safe and accounted for”, while sharing their condolences for those who were impacted by the shooting. </p> <p>“We are truly saddened by the senseless act of violence that occurred outside of Union Station at the conclusion of today’s parade and rally,” the team said.</p> <p>"Our hearts go out to the victims, their families, and all of Kansas City ... We thank the local law enforcement officers and first responders who were on-scene to assist.”</p> <p><em>Image credits: Getty Images </em></p> <p style="box-sizing: inherit; margin: 0px 0px 24px; padding: 0px; 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; vertical-align: baseline;"> </p>

Caring

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Senior changes will to leave fortune to pets instead of family

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

Family & Pets

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Two senior royals undergo surgery

<p>King Charles and Kate Middleton have postponed their public duties following news that they are both being admitted to hospital for surgery. </p> <p>The news of both procedures were announced within hours of each other, with the Princess of Wales first announcing that had been admitted into hospital for a planned surgery. </p> <p>“Her Royal Highness The Princess of Wales was admitted to The London Clinic yesterday for planned abdominal surgery,” the statement from Kensington Palace read. </p> <p>The surgery was successful and the princess is expected to remain in hospital for 10 to 14 days before returning home to recover. </p> <p>No other details regarding the surgery were given, but a palace spokesmen has revealed that the condition was non-cancerous. </p> <p>“The Princess of Wales appreciates the interest this statement will generate,” the statement added. </p> <p>“She hopes that the public will understand her desire to maintain as much normality for her children as possible; and her wish that her personal medical information remains private.” </p> <p>The palace added that they will “only provide updates on Her Royal Highness’ progress when there is significant new information to share.”</p> <blockquote class="instagram-media" style="background: #FFF; border: 0; border-radius: 3px; box-shadow: 0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width: 540px; min-width: 326px; padding: 0; width: calc(100% - 2px);" data-instgrm-captioned="" data-instgrm-permalink="https://www.instagram.com/p/C2NDoYrN-9r/?utm_source=ig_embed&amp;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/C2NDoYrN-9r/?utm_source=ig_embed&amp;utm_campaign=loading" target="_blank" rel="noopener">A post shared by The Prince and Princess of Wales (@princeandprincessofwales)</a></p> </div> </blockquote> <p>Based on the medical advice, the royal will be out of public duty until after easter, which falls on the 31st of March. </p> <p>They also added that Prince William will also postpone several engagements while his wife is recovering. </p> <p>Less than two hours after the shock announcement, Buckingham Palace revealed that King Charles will also head to hospital next week for a “corrective procedure” on an enlarged prostate. </p> <p>“His Majesty’s condition is benign and he will attend hospital next week for a corrective procedure," the statement read. </p> <p>“The King’s public engagements will be postponed for a short period of recuperation.”</p> <p>Benign prostate enlargement is not a sign of a cancer or a risk of cancer occurring, with one in three men over the age of 50 having symptoms of an enlarged prostate. </p> <p>While few details of Kate's condition were made public, His Royal Highness was keen to share information and encourage other men experiencing symptoms to get their conditions checked. </p> <p><em>Image: Getty</em></p> <p> </p>

Caring

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It’s not just about accumulating super. Australians need to learn how to spend their retirement savings

<p><em><a href="https://theconversation.com/profiles/marc-olynyk-1493791">Marc Olynyk</a>, <a href="https://theconversation.com/institutions/deakin-university-757">Deakin University</a></em></p> <p>Australia’s superannuation and retirement income system is complex and difficult to navigate.</p> <p>Retirees need to make decisions on numerous issues where they have less than full information and understanding, both financial and non-financial. They also require access to retirement products to help them manage and balance income needs against longevity risk.</p> <p>Recognising these issues, the government released a <a href="https://treasury.gov.au/consultation/c2023-441613">discussion paper</a> this month seeking views on three key issues:</p> <ol> <li> <p>helping super fund members navigate the retirement income system</p> </li> <li> <p>supporting superannuation funds to deliver better services</p> </li> <li> <p>making retirement income products more accessible.</p> </li> </ol> <p>Australia has one of the largest and most sophisticated pension systems in the world. Valued at more than <a href="https://www.apra.gov.au/quarterly-superannuation-statistics">A$3.5 trillion</a> as at September 2023, and is the <a href="https://www.thinkingaheadinstitute.org/research-papers/global-pension-assets-study-2023/">5th largest pension scheme</a> in terms of asset size.</p> <p>It is also the <a href="https://www.mercer.com/insights/investments/market-outlook-and-trends/mercer-cfa-global-pension-index/">5th most highly rated retirement income system</a> internationally behind the Netherlands, Iceland, Denmark and Israel.</p> <h2>What is wrong with the super system?</h2> <p>But while the super system ranks highly in terms of integrity and sustainability, the numbers are not as flattering when it comes to “adequacy”.</p> <p>Adequacy is the level of income available to retirees depending on their different circumstances. According to a recent <a href="https://www.mercer.com/insights/investments/market-outlook-and-trends/mercer-cfa-global-pension-index/">study</a>, Australia is ranked 20th out of 47 worldwide on the adequacy index.</p> <p><a href="https://www.investmentmagazine.com.au/2023/02/purpose-of-super-law-to-herald-tax-reform/">Reform</a> in the <em>pre-retirement</em> phase of Australia’s retirement income scheme is ongoing and designed to support accumulating wealth for retirement.</p> <p>These ongoing reforms have been designed to make superannuation easier to understand and to reduce much of the decision making required. They’ve been needed because of an apparent lack of skills, interest and financial literacy among Australians.</p> <p>While the message that we need to save to be comfortable in retirement is getting through, the lack of information about how to manage these savings once we retire means many retirees are left to navigate the complex system as best they can.</p> <p>Given the complexity and volatility of Australia’s financial system, it’s hardly surprising many of the decisions made by retirees don’t produce the best financial results. For example, more than <a href="https://treasury.gov.au/consultation/c2023-441613">84%</a> of retirement savings are held in account-based pensions which, if not properly managed, can run out. This is despite government and community awareness that outliving your savings is a real possibility.</p> <p>About 50% of retirees currently withdraw at the minimum pension rate, which means many people experience a lower standard of living than what would normally be expected with the super they have accumulated. This can result in wealth not being used and instead being passed on to the next generation.</p> <h2>Help is needed now because the retiree sector is booming</h2> <p>Over the next decade there is going to be a big increase in the number of people retiring and transitioning from the accumulation phase of their super to the pension phase. It’s estimated <a href="https://treasury.gov.au/consultation/c2023-441613">2.5 million</a> Australians will move to the retirement phase in this period.</p> <p>Following the 2014 <a href="https://treasury.gov.au/publication/c2014-fsi-final-report">Financial System Inquiry</a>, the government introduced the <a href="http://www5.austlii.edu.au/au/legis/cth/consol_act/sia1993473/s52.html">Retirement Income Covenant</a> in 2022 to force super fund trustees to develop a strategy that would provide better retirement outcomes for their members.</p> <p>The strategy is based on retirees maximising their expected retirement income, managing expected risks to their retirement income and having flexible access to super funds during their retirement.</p> <p>A 2022-23 review conducted by <a href="https://asic.gov.au/regulatory-resources/find-a-document/reports/rep-766-implementation-of-the-retirement-income-covenant-findings-from-the-apra-and-asic-thematic-review/">Australian Prudential Regulation Authority and the Australian Securities and Investments Commission</a> found while trustees were providing more help to retirees, overall there was a lack of progress and urgency among trustees to improve retirement outcomes.</p> <h2>How the system could be improved</h2> <p>Several proposals have been put forward to improve the experiences and decision-making of retirees. These have included:</p> <ul> <li> <p>improved support from and education by superannuation fund trustees</p> </li> <li> <p>changing how people view their super savings from an accumulation of wealth to a system that enables drawdown of retirement savings over time to fund expenses.</p> </li> <li> <p>providing an automatic rollover of retirement savings into an income-stream instead of allowing a lump sum withdrawal on retirement</p> </li> <li> <p>expanding existing income products (that are starting to be offered by several financial institutions) which combine providing investment choice with a pension for life</p> </li> <li> <p>setting up a MyRetire product that would run parallel to <a href="https://treasury.gov.au/programs-and-initiatives-superannuation/mysuper">MySuper</a> and provide a simple and cost-effective retirement income system for less engaged members. MySuper only applies to the accumulation phase. Once a member starts an income stream in retirement, their MySuper account ceases</p> </li> <li> <p>improving access to financial planning advice which is shown to play a significant role in preparing Australians for retirement.</p> </li> </ul> <p>The government, superannuation industry and the community all have a greater role to play in improving the financial outcomes and experiences of retirees.</p> <p>With Australia’s ageing population, the need to better support retirees to achieve a dignified retirement is becoming more urgent.</p> <p>All Australians expect and deserve a financially secure retirement.<!-- Below is The Conversation's page counter tag. Please DO NOT REMOVE. --><img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/219217/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /><!-- End of code. If you don't see any code above, please get new code from the Advanced tab after you click the republish button. The page counter does not collect any personal data. More info: https://theconversation.com/republishing-guidelines --></p> <p><a href="https://theconversation.com/profiles/marc-olynyk-1493791"><em>Marc Olynyk</em></a><em>, Director of Financial Planning, Deakin Business School, <a href="https://theconversation.com/institutions/deakin-university-757">Deakin University</a></em></p> <p><em>Image credits: Getty Images</em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/its-not-just-about-accumulating-super-australians-need-to-learn-how-to-spend-their-retirement-savings-219217">original article</a>.</em></p>

Retirement Income

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Why "Grey Divorce" is on the rise in Australia

<p>It seems that the older generation is taking a page out of the millennial playbook and saying, "Thanks, but no thanks" to marriage.</p> <p>According to a recent report by <a href="https://www.seniors.com.au/documents/australian-seniors-series-love-after-50-report-whitepaper.pdf" target="_blank" rel="noopener">Australian Seniors</a>, the trend of "Grey Divorce" has become so prevalent that one in three couples in Australia decide to call it quits after hitting the big 5-0.</p> <p>It turns out that once the kids have flown the nest, some couples find themselves facing a conundrum. And no, it's not a midlife crisis involving sports cars and questionable hair dye choices. It's the dreaded "empty nest syndrome" – t<span style="font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Oxygen, Ubuntu, Cantarell, 'Open Sans', 'Helvetica Neue', sans-serif;">he sadness and upheaval that parents experience when their adult children finally leave the family home. </span></p> <p>The report clearly highlights that almost half of these later-in-life divorces are triggered by the empty nest syndrome, followed closely by increased financial pressures (35 per cent) and retirement adjustments (34 per cent).</p> <p>But the report also reveals a silver lining. Many singles over 50 are discovering greater happiness and fulfilment in their solo acts. It's like they've found the secret formula for joy, and it doesn't involve a partner – just personal space, independence, financial control, peace and quiet, and less stress. Who needs a spouse when you can have tranquillity and control over the TV remote?</p> <p>In fact, more than half of single people over 50 reported being content without a committed partner, and almost one-third claimed that their relationship status was a positive influence on their happiness. Move over, relationship goals; it's time for solo satisfaction to take centre stage.</p> <p>And for those still treading the murky waters of late-life love, there's hope yet. The report offers some sage advice from those who've managed to keep the spark alive, including open and honest communication about changing needs, supporting personal growth, and maintaining independence.</p> <p>While the report concludes that overall divorce rates in Australia have actually hit an all-time low in recent years, the over-50 crowd appear to be shaking things up and going their own way. So, whether you're contemplating marriage or dealing with an unexpected guest cancellation at your wedding, just remember – there's a 50/50 chance you'll be navigating the exciting world of "Grey Divorce" someday.</p> <p><em>Image: Getty</em></p>

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Not all beer and pokies: what Australians did with their super when COVID struck

<p><em><a href="https://theconversation.com/profiles/nathan-wang-ly-1380895">Nathan Wang-Ly</a>, <a href="https://theconversation.com/institutions/unsw-sydney-1414">UNSW Sydney</a> and <a href="https://theconversation.com/profiles/ben-newell-46">Ben Newell</a>, <a href="https://theconversation.com/institutions/unsw-sydney-1414">UNSW Sydney</a></em></p> <p>What happens when people withdraw their retirement savings early?</p> <p>We’ve just found out.</p> <p>During the first year of COVID Australians who faced a 20% decline in their working hours (or turnover for sole traders) or were made unemployed or were on benefits were permitted to take out up to <a href="https://www.ato.gov.au/Individuals/Super/In-detail/Withdrawing-and-using-your-super/COVID-19-early-release-of-super-(closed-31-December-2020)/">A$10,000</a> of their super between April and June 2020, and a further $10,000 between July and December.</p> <p>Five million took up the offer. They withdrew <a href="https://www.apra.gov.au/covid-19-early-release-scheme-issue-36">$36 billion</a>.</p> <p>Most of those surveyed by the Institute of Family Studies said they used the money to cover <a href="https://aifs.gov.au/sites/default/files/publication-documents/2108_6_fias_superannuation_0.pdf">immediate expenses</a>. But definitions of “immediate” can vary.</p> <p>Real time transaction card data appeared to show early withdrawers boosted their spending by an average of <a href="https://www.illion.com.au/buy-now-pay-later-winner-of-stimulus/">$3,000</a> in the fortnight after they got the money.</p> <p><a href="https://www.stptax.com/emergency-super-withdrawal-spent-on-pokies-beer-and-uber-eats/">One interpretation</a> said they spent the money on “beer, wine, pokies, and takeaway food, rather than mortgages, bills, car debts, and clothes”.</p> <p>In order to get a more complete picture, we obtained access to millions of anonymised transaction records of customers of Australia’s largest bank, the <a href="https://www.sciencedirect.com/science/article/pii/S0313592622001060?via%3Dihub#bfn3">Commonwealth Bank</a>.</p> <p>The data included 1.54 million deposits likely to have been money withdrawn through the scheme including 1.04 million we are fairly confident did.</p> <h2>Who dipped into super?</h2> <p>The data provided by the bank allows us to compare circumstances of withdrawers and non-withdrawers including their age, time with the bank, and banking behaviour before COVID.</p> <p>We find withdrawers tended to be younger and in poorer financial circumstances than non-withdrawers before the pandemic. Six in ten of the withdrawers were under the age of 35, a finding consistent with data reported by the <a href="https://www.abc.net.au/news/2020-05-25/coronavirus-early-access-superannuation-young-people/12282546">Australian Taxation Office</a>.</p> <p>Withdrawers tended to earn less than non-withdrawers, even non-withdrawers of the same age. Only 17% of withdrawers for whom we could identify an income earned more than $60,000 compared with 26% of non-withdrawers. And withdrawers had lower median bank balances ($618 versus $986).</p> <p>For those with credit cards and home loans, withdrawers were about twice as likely to be behind on repayments as non-withdrawers (9.7% versus 5.8% for credit cards, and 8.2% versus 3.4% for home loans).</p> <p>These characteristics suggest that, despite concerns of the scheme being exploited due to the application process <a href="https://www.abc.net.au/news/2020-09-03/-are-people-being-allowed-to-access-their-super-without-scrutiny/12618002">not requiring any documentation</a>, most of those using the scheme genuinely needed the money.</p> <h2>Where did the money go?</h2> <p>Compared to non-withdrawers, those who withdrew increased their spending (on both essential and discretionary items), paid back high-interest debts, boosted their savings, and became less likely to miss debt payments.</p> <p>Withdrawers spent an average of $331 more per month on debit cards in the three months after withdrawal, and $126 per month in the following three months.</p> <p>They spent an extra $117 per month on credit cards during the first three months, which shrank to an extra $13 per month in the following three months.</p> <p>The average withdrawer spent 7% more per month on groceries than the average age and income matched non-withdrawer, 12% more on utilities such as gas and electricity, 16% more on discretionary shopping, and 20% more on “entertainment,” a Commonwealth Bank category that includes gambling.</p> <h2>Less debt, less falling behind</h2> <p>In the three months that followed withdrawing, withdrawers also averaged $437 less credit card debt and $431 less personal loan debt than age and income matched non-withdrawers, differences that shrank to $301 and $351 in the following three months.</p> <p>They also became less likely to fall behind on credit card and personal loan payments, a difference that vanished after three months.</p> <p>Our interpretation is that the scheme achieved its intended purpose: it provided many Australians in need with a financial lifeline and helped buoy them during uncertain and turbulent times.</p> <h2>Lessons learned</h2> <p>At the same time, our <a href="https://www.sciencedirect.com/science/article/pii/S0313592622001060?via%3Dihub#bfn3">findings</a> identify areas of concern. The fact that most withdrawals were for the permitted maximum of $10,000 highlights the need to carefully consider the withdrawal limit.</p> <p>While these sums might simply reflect the true amount of money individuals needed to sustain themselves, it might be that many withdrawers were unsure of how much to <a href="https://cepar.edu.au/sites/default/files/Determinants%20of%20Early%20Access%20to%20Retirement%20Savings_Lessons%20from%20the%20COVID19%20Pandemic_BatemanDobrescuLiuNewellThorp_July21.pdf">withdraw</a> – not knowing how long the pandemic would continue.</p> <p>Another consideration is how to best support withdrawers after they have taken out the money. More than half were under the age of 35, and might find themselves with a good deal less super than they would have in retirement.</p> <p>The government has already introduced <a href="https://www.ato.gov.au/super/apra-regulated-funds/in-detail/apra-resources/re-contribution-of-covid-19-early-release-super-amounts/">tax concessions</a> for withdrawers who contribute funds back into their retirement savings accounts. Super funds might also be able to help, by sending targeted messages to those who have withdrawn.<!-- Below is The Conversation's page counter tag. Please DO NOT REMOVE. --><img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/190911/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /><!-- End of code. If you don't see any code above, please get new code from the Advanced tab after you click the republish button. The page counter does not collect any personal data. More info: https://theconversation.com/republishing-guidelines --></p> <p><a href="https://theconversation.com/profiles/nathan-wang-ly-1380895"><em>Nathan Wang-Ly</em></a><em>, PhD Student, School of Psychology, <a href="https://theconversation.com/institutions/unsw-sydney-1414">UNSW Sydney</a> and <a href="https://theconversation.com/profiles/ben-newell-46">Ben Newell</a>, Professor of Cognitive Psychology, <a href="https://theconversation.com/institutions/unsw-sydney-1414">UNSW Sydney</a></em></p> <p><em>Image credits: Getty Images</em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/not-all-beer-and-pokies-what-australians-did-with-their-super-when-covid-struck-190911">original article</a>.</em></p>

Money & Banking

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Why these dog breeds are ideal for seniors

<p><strong>Reasons why dogs are good for seniors </strong></p> <p>Affectionate, loyal, nurturing: There are lots of reasons why dogs make great companions for seniors. Not only do dogs provide comfort and friendship, but they also help keep seniors healthy and encourage sociability. In fact, a 2019 study found that people who owned dogs were more likely to maintain better heart health and be more active, than those without pets. “Dogs give seniors a reason to get up and move – and walking a dog keeps them fit,” explains veterinarian Dr Anita Kinscher-Juran. Another plus: When you get out of the house for that walk, you have more chances to be social, too, from greeting neighbours on the street to impromptu conversations with fellow dog owners.</p> <p>But adopting a dog is a big decision. Just like with a human companion, you need to understand what you’re looking for in a dog before committing to a long-term living arrangement.</p> <p>Some important points to think about as you search for the best dogs for seniors are energy levels (vets often recommend calm dog breeds for older folks), the size of your home (<a href="https://www.readersdigest.com.au/pets/13-best-apartment-dogs" target="_blank" rel="noopener">these are the best apartment dogs</a>) and the size of the dog, the breed’s socialness (some breeds, like Pomeranians, make the best emotional support dogs) and a dog’s age and temperament. Health and grooming needs and maintenance requirements (i.e. how often dogs need to be brushed, for instance) are also important considerations. Cocker spaniels, while super cute with their big, long ears, are also known for having frequent ear infections, for instance. And while Havanese, one of the cutest white dog breeds, are very portable, they also require a lot of grooming.</p> <p>The decision to adopt a pet is not one that should be taken lightly. “Bringing a pet into the household is a lifelong decision for that animal,” says Dr Kinscher-Juran. But after thoroughly considering your situation and needs, it’s comforting to know, as Dr Kinscher-Juran says “that there is a dog for everyone and every age.”</p> <p>Here are the top 15 best dogs for seniors.</p> <p><strong>Best overall: Bichon Frise </strong></p> <p>These white powder puffs of a dog are known for their sweet and friendly nature and are perfect for seniors seeking easy companionship – they also make <a href="https://www.readersdigest.com.au/food-home-garden/pets/15-best-dogs-for-first-time-owners" target="_blank" rel="noopener">great pets for first-time dog owners</a>. These low-maintenance pups aren’t difficult to potty train and don’t shed much, which is why they are one of the best dogs for older people, Dr Kinscher-Juran says. (But to keep their snow-white hair looking fluffy, they do require grooming every five or so weeks.)</p> <p>Bichons are gentle and playful and they get along well with other pets and children, so you don’t need to put them in another room if the grandkids stop by! At an average of 5 to 8 kilograms, they are also super portable. Not to mention smart. “One of my favourite bichons knew how to give a kiss in three different languages, one of which was Portuguese,” says Dr Kinscher-Juran.</p> <p>Like the best toy dogs, they are perfectly content to sit on your lap for hours every morning, as you read the paper or watch the news. Bichon Frise’s don’t require long, five kilometre hikes to keep them happy, rather they’re fine with 20- to 30-minute leisurely strolls. What they crave most is attention, something seniors often have time to give.</p> <p><span style="text-decoration: underline;"><em>Breed Overview</em></span></p> <p>Height: 24 to 30 cms  </p> <p>Weight: 5 to 8 kgs</p> <p>Life expectancy: 14 to 15 years</p> <p><strong>Best lap dog: Cavalier King Charles spaniel</strong></p> <p>If you are looking for one of the best dogs for older people, cavalier King Charles spaniels should be high on your list. It’s easy to fall in love with their big eyes and long ears. And Cavalier King Charles spaniels, in turn, like nothing more than to kiss and cuddle with their owners. Cavalier King Charles spaniels have an eager to please personality, which makes them easier to train.</p> <p>They also only require a moderate amount of exercise, which can be good for less active seniors. Beauty, of course, requires attention. Dr Kinscher-Juran suggests brushing their long luxurious coats once a day, which isn’t hard to do, considering they’re one of the best lap dog breeds!</p> <p><span style="text-decoration: underline;"><em>Breed Overview</em></span></p> <p>Height: 3.5 to 33 cms</p> <p>Weight: 5.8 to 8 kgs</p> <p>Life expectancy: 12 to 15 years</p> <p><strong>Best apartment dog: Pug</strong></p> <p>If you are looking for one of the best dogs for older people, cavalier King Charles spaniels should be high on your list. It’s easy to fall in love with their big eyes and long ears. And Cavalier King Charles spaniels, in turn, like nothing more than to kiss and cuddle with their owners. Cavalier King Charles spaniels have an eager to please personality, which makes them easier to train.</p> <p>They also only require a moderate amount of exercise, which can be good for less active seniors. Beauty, of course, requires attention. Dr Kinscher-Juran suggests brushing their long luxurious coats once a day, which isn’t hard to do, considering they’re one of the best lap dog breeds!</p> <p><span style="text-decoration: underline;"><em>Breed Overview</em></span></p> <p>Height: 3.5 to 33 cms</p> <p>Weight: 5.8 to 8 kgs</p> <p>Life expectancy: 12 to 15 years</p> <p><strong>Best small dog: Maltese</strong></p> <p>One of the best small dogs for seniors is the Maltese. These adorable white toy dogs were specifically bred to be companions. Loyal, sweet-natured, calm and adaptable, it’s not hard for a Maltese to quickly become seniors’ best four-legged friend. Though they love following their owners around, all they really need for health is short easy walks. At an average of 2 kilograms, Malteses are also easily transportable (which is a good thing since Malteses don’t like to be left alone too long).</p> <p>Their small size also makes them well suited for apartments or homes with limited space. You can’t mention a Maltese without mentioning their long, silky, white mane, which can be braided or put into a bun. “For the person who wants a living Barbie doll, and loves playing with hair, Malteses are your dog,” Dr. Kinscher-Juran says. But if all that grooming becomes too much, you can have the hair trimmed or shaped down.</p> <p><span style="text-decoration: underline;"><em>Breed Overview</em></span></p> <p>Height: 17 to 22 cms</p> <p>Weight: Under 3 kgs</p> <p>Life expectancy: 12 to 15 years</p> <p><strong>Most social dog: Havanese</strong></p> <p>Sweet, friendly and eager for attention: Havanese make great companions for seniors who find themselves at home more. As a breed, Haveneses don’t like to be alone for very long. (There’s a reason they’re called Velcro dogs). These super social dogs crave affection and get along well with other breeds and strangers.</p> <p>Their high intelligence makes them easier to train and potty train. And at about 5 kgs, they are easy to carry. Walks might take a bit longer with Haveneses because they will want to try to say hi to everyone. But for seniors, looking for sociability, this is not such a bad thing! That’s why Havaneses are one of the best dogs for seniors.</p> <p><span style="text-decoration: underline;"><em>Breed Overview</em></span></p> <p>Height: 22 to 30 cms</p> <p>Weight: 3 to 6 kgs</p> <p>Life expectancy: 14 to 16 years</p> <p><strong>Best house dog: Miniature schnauzers</strong></p> <p>Miniature schnauzers are one of the most adaptable breeds of dogs. Originally bred as a farm dog in Germany, miniature schnauzers are just as content living in an assisted living facility as they are roaming outdoors. Small, sturdy, hypoallergenic and affectionate, miniature schnauzers are great with, say, rambunctious grandchildren.</p> <p>And their calmness – and attunement to the moods of humans – make them excellent therapy animals. Miniature schnauzers both play hard and relax hard. They need a moderate amount of daily exercise but are also good at simply lounging around, while their owners watch TV or make dinner.</p> <p><span style="text-decoration: underline;"><em>Breed Overview</em></span></p> <p>Height: 30.5 to 36 cms</p> <p>Weight: 5 to 9 kgs</p> <p>Life expectancy: 12 to 15 years</p> <p><strong>Best large dog: Greyhound</strong></p> <p>With their lean bodies, flexible spines, and long legs, greyhounds are known for their athletic ability and for being the fastest dog breed. What is not as well-known is that their gentle and sensitive temperament and minimal grooming needs make them one of the best dogs for seniors. Older, retired racing greyhounds are often the best choice for seniors,. “As racing dogs, they often live on a track without much positive human and social interaction,” Dr Kinscher-Juran says. “When they’re adopted, they’re far more appreciative of the loving home you are providing, and don’t seem to take that for granted.”</p> <p>And though they do need daily exercise, greyhounds – perhaps surprisingly! – are renowned for their laziness. Weighing anywhere from 27 to 31.7 kgs, these gentle giants, are content to lounge around the house, accepting pets and back rubs.</p> <p><span style="text-decoration: underline;"><em>Breed Overview</em></span></p> <p>Height: 67 to 76 cms</p> <p>Weight: 27 to 31.7 kgs</p> <p>Life expectancy: 10 to 13 years</p> <p><strong>Best with grandkids: Golden Retrievers</strong></p> <p>Golden retrievers are a large breed with an even larger heart. For seniors looking for gentle dog breeds, golden retrievers are loyal, friendly, intelligent, people-pleasers. They are easy to train, famous for their patience and great with the grandkids. Golden retrievers do require consistent, hard exercise every day, but they are more than content for part of that exercise to consist of finding and retrieving balls in the backyard.</p> <p>Though golden retrievers can weigh up to 34 kgs and more, they still think of themselves as lap dogs. “Golden retrievers are happy to sit with you on the patio at the end of the day, with their head on your lap, watching the sunset,” Dr Kinscher-Juran says.</p> <p><span style="text-decoration: underline;"><em>Breed Overview</em></span></p> <p>Height: 54.5 to 61 cms</p> <p>Weight: 25 to 34 kgs</p> <p>Life expectancy: 10 to 12 years</p> <p><strong>Best hypoallergenic: Toy Poodle</strong></p> <p>For seniors with allergies or respiratory issues, poodles are one of the best hypoallergenic dog breeds. Poodles have a single-layer coat that doesn’t shed (though all that beautiful, naturally curly hair requires a lot of brushing and grooming!).</p> <p>They come in multiple sizes, from tiny teacup poodles, that weigh between 1.8 to 2.7 kgs to small toy poodles that weigh between 2.7 to 4 kgs to miniature poodles that weigh between 6.8 to 7.7 kgs to standard poodles that weigh between 20.4 to 31.75 kgs. Like the best sort of human companion, poodles are known for both their beauty and their brains. Their high intelligence makes them easy to train (helpful for seniors) and their affectionate personality makes them easy to love. The smaller toy poodle is a top choice for seniors.</p> <p><span style="text-decoration: underline;"><em>Breed Overview</em></span></p> <p>Height: 25 cms max</p> <p>Weight: 1.8 to 2.7 kgs</p> <p>Life expectancy: 10 to 18 years</p> <p><strong>Best dog for those who like a clean house: Groodle</strong></p> <p>A cross between poodles and golden retrievers, groodles (or goldendoodles), which weigh between 22.6 to 40 kgs, are known for possessing the best traits of both breeds. They’re loyal, obedient and loving. For seniors with allergies, or those who prefer to avoid daily vacuuming, groodles, who mostly don’t shed and are hypoallergenic, make great companions.</p> <p>You don’t need to have been an experienced pet owner to adopt one: Groodle’s intelligence and easy-going temperament make them easy to train. Groodles do love exercise though, especially swimming. Bonus points if you’re a senior that lives by a body of water!</p> <p><span style="text-decoration: underline;"><em>Breed Overview</em></span></p> <p>Height: 48 to 61 cms</p> <p>Weight: 13.6 to 20 kgs</p> <p>Life expectancy: 10 to 15 years</p> <p><strong>Best for active seniors: Westies </strong></p> <p>Recognisable by their white mane and dark, almond-shaped eyes, the West Highland white terrier (aka Westie) are friendly, loving companions for active seniors. At 5.8 to 9 kgs, Westies are still small enough to handle and make good apartment dogs – as long as they get in their long, daily walks.</p> <p>Westies really, really like to play. Westies are no softies though: beneath their coat is a well-muscled body. Bred to be rodent killers, Westies require little pampering and they rarely shed. For seniors looking for a little bit of excitement in their days, westies will be sure to keep you on your toes.</p> <p><span style="text-decoration: underline;"><em>Breed Overview</em></span></p> <p>Height: 25.5 to 28 cms</p> <p>Weight: 6.8 to 9 kgs</p> <p>Life expectancy: 13 to 15 years</p> <p><strong>Best dog that doesn't bark: Shih Tzu</strong></p> <p>The name Shih Tzu means little lion, but the most fierce thing about this breed is their love for the owner. Shih Tzus bond very quickly with humans, making them great choices for seniors looking for a close canine companion. Weighing an of average 4 to 7 kgs, Shih Tzus, known for their long coats, pack a lot of personality in their small frame.</p> <p>They are a confident, happy-go-lucky breed with a bit of a stubborn streak. But they are less demanding and less yappy than other smaller toy dogs, making them a good choice for seniors who live in apartments. They are also not very energetic and only need a couple of short walks a day, making them perfect for non-active seniors.</p> <p><span style="text-decoration: underline;"><em>Breed Overview</em></span></p> <p>Height: 23 to 26.5 cms</p> <p>Weight: 4 to 7 kgs</p> <p>Life expectancy: 10 to 18 years</p> <p><strong>Easiest dog to care for: French bulldog</strong></p> <p>With their big eyes, adorable scrunchy faces, and short legs, there’s a reason why French bulldogs are increasing popular today and one of the easiest dog breeds. Their gentle personality and low energy make them one of the best dogs for seniors with a less active lifestyle. These dogs are not big athletes, a walk around the block is all the exercise they need for the day.</p> <p>French bulldogs’ small size (they weigh about 8.5 to 12.5 kgs) and the fact that they are not big barkers or yappers also make them one of the best apartment dogs. As an additional bonus, they are also excellent cuddlers and incredibly loyal.</p> <p><span style="text-decoration: underline;"><em>Breed Overview</em></span></p> <p>Height: 28 to 33 cms</p> <p>Weight: Under 12 kgs</p> <p>Life expectancy: 10 to 12 years</p> <p><strong>Best guard dog: Pomeranian </strong></p> <p>At 1.4 to 3 kgs, Pomeranians look like tiny puffballs. Their small size and affectionate personality make them easy to love. And their ability to remain calm in busy situations also makes them one of the best emotional support dogs, Dr Kinscher-Juran says. Pomeranians – whose hair comes in a variety of colours from white to black to cream – don’t seem to realise their small size.</p> <p>They are very alert, with a tendency to bark, making them excellent guard dogs for seniors. Though Pomeranians are lap dogs, they also have an independent streak, so active seniors don’t need to worry about Pomeranians clinging, like a barnacle, to them all day. Sometimes it’s good to have space!</p> <p><span style="text-decoration: underline;"><em>Breed Overview</em></span></p> <p>Height: 15 to 17.5 cms</p> <p>Weight: 1.4 to 3 kgs</p> <p>Life expectancy: 12 to 16 years</p> <p><strong>Best dog for seniors with a backyard: Beagle </strong></p> <p>For seniors who love being outdoors and would like an impetus to exercise more, beagles are a good choice. Energetic, active and sociable, beagles love to play and take long walks. And unlike other smaller dogs, they don’t require a ton of babysitting. They’re fine – content even – being left alone for a while. For seniors who don’t love playing beautician, beagles, with their short, dense, wash-and-wear coat, are a good choice.</p> <p>They are pretty low maintenance when it comes to grooming. Younger beagles require consistent exercise – so seniors might find adopting an older beagle a less physically demanding choice, Dr Kinscher-Juran says.</p> <p><span style="text-decoration: underline;"><em>Breed Overview</em></span></p> <p>Height: 33 to 38 cms</p> <p>Weight: 9 to 13.6 kgs</p> <p>Life expectancy: 10 to 15 years</p> <p><em>Image credits: Shutterstock</em></p> <p><em>This article originally appeared on <a href="https://www.readersdigest.com.au/food-home-garden/pets/15-best-dogs-for-seniors?pages=1" target="_blank" rel="noopener">Reader's Digest</a>. </em></p>

Family & Pets

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1 in 6 older adults fall victim to impersonation scams

<p>More older adults are likely to fall victim to scams than are currently recognised according to new US research. The problems are global. </p> <div class="copy"> <p>A research team from Rush University Medical Center in Chicago, US, says older Americans who aren’t cognitively impeded, are also at risk.  </p> <p>In their study <a href="https://10.1001/jamanetworkopen.2023.35319" target="_blank" rel="noreferrer noopener">published</a> today in <em>JAMA Network Open</em>, the group reports on a behavioural experiment where they targeted 644 adults aged 64-104 in Rush’s Memory and Aging Project – a local scheme that draws on participants from metropolitan Chicago to participate in research – with a pitch mimicking a real-world impersonation scam. </p> <p>The study’s fictitious ‘US Retirement Protection Task Force’ pitched itself to participants as a government social security initiative.  </p> <p>This USRPTF told participants via either post, email or a telephone call there’d been irregular activity on their Medicare or social security file and the inquiry was a routine account security check. As part of this, the fake agency asked participants to call a telephone hotline or login to a provided website to provide their details.  </p> <p>Over two-thirds of the study failed to respond to any attempts to obtain information by the phoney scheme.  </p> <p>The remainder were evenly split by either responding to requests for contact, but expressing scepticism at the authenticity of the USRPTF, or by responding and engaging with the request for information.  </p> <p>Those who were engaged with the request for information, but expressed doubts, were also those with the highest cognitive performance, and lowest proportion of dementia. They were also the most financially literate participants, while those who provided their details had the lowest literacy. </p> <p>Those who provided details were also found to have the lowest scam awareness of all participants.  </p> <p>Among this group, 1 in 10 willingly provided personal information and 1 in 5 provided details of their social security number.  </p> <p>“If extrapolated to a population level, these numbers are astounding and suggest that a very large number of older adults are at risk of victimisation,” the authors say. </p> <p>They also note that, given the use of a fictitious US government organisation name, the number of people vulnerable to well-organised scams is likely much higher.  </p> <p>Last year, the US National Council on Aging reported 92,371 older Americans were defrauded of a total of US$1.7 billion. Most were victims of government department impersonation, sweepstakes and robocall scams. Often such scams will simply demand payment while ‘spoofing’ the phone number of a government agency to add the veil of legitimacy. </p> <p>It’s a similar story around the world. This year, the Australian Competition and Consumer Commission found Australians lost a record $3.1 billion last year, mostly via phone scams. Australians over 65 years of age accounted for a quarter of losses and reports.  </p> <p>The UK’s Action Fraud initiative found Britons lost about ₤2.35 billion in the 2020/21 financial year, with those aged 50-69 most susceptible to falling victim.  </p> <div> <p align="center"><noscript data-spai="1">&amp;lt;img decoding="async" class="aligncenter size-full wp-image-198773" src="https://cdn.shortpixel.ai/spai/q_lossy+ret_img+to_auto/cosmosmagazine.com/wp-content/uploads/2023/09/Issue-100-embed.jpg" data-spai-egr="1" alt="Subscribe to our quarterly print magazine" width="600" height="154" title="1 in 6 older adults fall victim to impersonation scams 2"&amp;gt;</noscript></p> </div> <p><em>Image credits: Getty Images</em></p> <p><em><a href="https://cosmosmagazine.com/people/society/1-in-6-older-adults-fall-victim-to-impersonation-scams/">This article</a> was originally published on <a href="https://cosmosmagazine.com">Cosmos Magazine</a> and was written by <a href="null">Cosmos</a>. </em></p> </div>

Legal

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Marvel star ties the knot in super secret ceremony

<p>Marvel movie star Chris Evans has tied the knot with his girlfriend Alba Baptista in an intimate ceremony at their home in the state of Massachusetts. </p> <p>According to <a href="https://pagesix.com/2023/09/10/chris-evans-marries-alba-baptista/" target="_blank" rel="noopener"><em>Page Six</em></a>, the Hollywood A-lister and Baptista, a Portuguese actress, got married on Saturday, with only a handful of their closest friends and family attending the nuptials. </p> <p>An insider told <a href="https://www.news.com.au/entertainment/celebrity-life/hook-ups-break-ups/chris-evans-marries-alba-baptista-in-intimate-athome-wedding/news-story/872c843aa221bc8173f0a82feb7c6477" target="_blank" rel="noopener"><em>news.com.au</em></a> that the nuptials were “locked down tight,” as guests signed NDAs and phones were forfeited for the "beautiful" ceremony. </p> <p>The guest list also included some of the actor’s Marvel co-stars, including Robert Downey Jr., Chris Hemsworth and Jeremy Renner.</p> <p>The <em>Captain America</em> actor and Baptista first sparked rumours of a romance in November 2022, when a source told <em><a href="https://people.com/movies/chris-evans-dating-alba-baptista-source-exclusive/" target="_blank" rel="noopener">People</a></em> that the duo had been dating for “over a year.”</p> <p>“They are in love, and Chris has never been happier,” the insider said, already calling their relationship “serious” at the time.</p> <p>“His family and friends all adore her.”<iframe id="google_ads_iframe_/5129/ndm.nent/entertainment/celebritylife/hookupsbreakups_5" tabindex="0" title="3rd party ad content" role="region" name="google_ads_iframe_/5129/ndm.nent/entertainment/celebritylife/hookupsbreakups_5" width="4" height="4" frameborder="0" marginwidth="0" marginheight="0" scrolling="no" aria-label="Advertisement" data-load-complete="true" data-google-container-id="6" data-integralas-id-69c76c0a-f5d2-9885-70ea-25cce3e0243a=""></iframe><iframe width="1" height="1" frameborder="0" scrolling="no"></iframe></p> <p>Just hours after the news broke, the couple was spotted holding hands during a stroll in Central Park.</p> <p>While little is known about the low-key couple’s relationship, Evans has proudly been flaunting his affection for Baptista online.</p> <p>The <em>Knives Out</em> star was spotted leaving a flirty comment on Baptista’s Instagram post around the same time that news broke of their relationship.</p> <p>Then, in February, the couple went Instagram-official as Evans began posting a series of PDA-filled pics to his Instagram Story in honour of Valentine’s Day.</p> <p><em>Image credits: Instagram</em></p>

Relationships

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My Royal Melbourne Seniors Classic Adventure: A day on the greens (and in the bunkers!)

<p dir="ltr">G'day to all past, present, and emerging golf enthusiasts!</p> <p dir="ltr">If you're a senior golfer like me, hunting for inspiration, adventure, and authentic golf yarns — this is for you.</p> <p dir="ltr">Picture this: a crisp August morning, and sixty-two senior golfers gathered on Royal Melbourne's West Course for the Vic Seniors Classic 2023. Here's the story of how it all went down...</p> <p dir="ltr">Before anything else, I mustered the guts to jump in. Ever heard of "imposter syndrome"? Trust me, I was its best mate. But the requirements were clear: age 55+ (I'm a proud 65-year-old), GA Handicap under 24.5 (18.5), and a $225 entry fee. Wait, $225? Given that Royal Melbourne's green fees dance around $1000, caddy fee included, it was a no-brainer.</p> <p dir="ltr">Fueled by the temptation of playing a top-notch course for a quarter of the fee, I submitted my application without hesitation. Before I knew it, my name adorned the list of players.</p> <p dir="ltr">As the day approached, I was geared up to tackle the Royal Melbourne challenge.</p> <p dir="ltr">The 8 am shotgun start meant groups teed off from various holes. I found myself at the 11th tee, flanked by two fierce competitors: Peter (Daily Handicap 1) and Damian (12). Yours truly? A modest 20.</p> <p dir="ltr">Standing over the ball, knees a tad wobbly, I swung that driver. The ball sailed gracefully, landing centre fairway, while their shots had taken a wilder route into the rough. The lesson? 'How near,' not 'how far'.</p> <p dir="ltr">Now, let's talk about those Royal Melbourne greens. Rumour had it, they were "super fast". Super fast? Imagine sliding a ball across your kitchen's polished tiles — yep, that rapid.</p> <p dir="ltr">Around the course, bunkers became my stern mentors — big, deep, and oh-so unforgiving.</p> <p dir="ltr">Post 18 holes, scorecards were in, followed by the triumphant crowning of winners over lunch.</p> <p dir="ltr">Rodney Ware (75 gross) and Kevin Naismith (81 gross) led in men's gross, while Wayne Moon (72 net) and Craig Lonsdale (73 net) dominated the net division. Melinda Crawford (16, scratch stableford) and Louise Yuen (29 handicap points) shone in the women's.</p> <p dir="ltr">Kudos to winners, fellow players, Royal Melbourne and Golf Australia for the unforgettable day.</p> <p dir="ltr">By the way, can you see yourself on those hallowed Royal Melbourne greens? If your inner golfer nods, I'm your cheerleader. Consider joining me for the 2024 Royal Melbourne Seniors Classic.</p> <p dir="ltr">And as I wrap up, let me leave you with the timeless words of the legendary Peter Thomson: "Golf is a game of how near, not how far".</p> <p dir="ltr">Until next time, keep those swings buttery, putts steadfast, and steer clear of those tricky bunkers.</p> <p dir="ltr">PS: My result? T43rd (net) among the 48 male players. Next time I'll be swinging even better.</p> <p dir="ltr"><strong><em>About the Writer: Mike Searles is a Melbourne retiree who's living the golfing dream.</em></strong></p> <p><em>Image credits: Getty Images</em></p>

Domestic Travel

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How to double your money just by shopping during Super-September

<p>Did you know you can effortlessly boost your retirement savings simply by shopping – no strings attached? It might sound too good to be true, but thanks to <a href="https://go.linkby.com/SNUFMPYC" target="_blank" rel="noopener">Super-Rewards</a>, a leading cashback provider, this is now a reality. And what's more the process is free, with no ongoing costs, and is incredibly simple.</p> <p>Super-Rewards, a widely recognised program in the industry, operates much like typical cashback programs – but with one key difference: instead of receiving cash in your pocket immediately, your earnings are <a href="https://go.linkby.com/SNUFMPYC" target="_blank" rel="noopener">directed into your superannuation fund</a> for later use. </p> <p>The best part? There are no fees or hidden costs; it's essentially free money when you shop at one of Super-Rewards' 500 <a href="https://go.linkby.com/SNUFMPYC/category/" target="_blank" rel="noopener">online partner stores</a> or 1,000 <a href="https://go.linkby.com/SNUFMPYC/category/instore/" target="_blank" rel="noopener">physical stores</a> across the country – including big names like Apple, Catch, eBay, EnergyAustralia, Virgin Australia, The Good Guys, Petbarn, Big W, Appliances Online, BWS, Adore Beauty and more.</p> <p>Spanning categories like food and drink, health, automotive, clothing, beauty and more, you are literally being paid towards your retirement just for doing the shopping you were going to do anyway.</p> <p>The beauty of Super-Rewards <a href="https://go.linkby.com/SNUFMPYC/how-it-works/" target="_blank" rel="noopener">lies in its versatility</a>; you can link your cashback to any super account with ease. All you need to do is shop through the Super-Rewards app, website, or in-store, using their browser extension.</p> <p>"Boosting your super contributions has never been more crucial, especially in light of recent ASFA research showing an increase in retirement living costs," says Pascale Helyar-Moray, CEO of Super-Rewards.</p> <p>Super-Rewards presents a simple and effective solution for accumulating wealth in your super through everyday spending.</p> <p>"Whether you're male or female, employed or not, earning super has never been this straightforward," adds Helyar-Moray. "Super-Rewards is a 'set and forget' strategy for wealth-building, accessible to all Australians. It's incredibly user-friendly."</p> <p>And now Super-Rewards has launched <a href="https://go.linkby.com/SNUFMPYC" target="_blank" rel="noopener">"Super-September"</a>, during which users can earn a $10 bonus in their Super-Rewards account once they accumulate $10 in cashback between September 1st and October 31st. This offer is open to all Super-Rewards users, and cashback from all Super-Rewards retailers, both online and in-store, is eligible.</p> <p>Helyar-Moray explains, "We want to reward users with $10 for making responsible super contributions through Super-Rewards. While immediate cashback might be tempting, we understand that money spent today can't grow. Our mission is to foster responsible and sustainable wealth creation; we're excited to reward prudent super behaviour by contributing to our users' superannuation accounts."</p> <p>“This is about being smart in how you spend your money. You’re already buying groceries with MILKRUN, purchasing pet food at Petbarn, acquiring appliances at The Good Guys. It’s a no-brainer; you’re undertaking these activities anyway so you may as well be rewarded into your super for doing so, and let the power of compound interest help create a more financially secure retirement for you. It’s super – easy.”</p> <p><a href="https://go.linkby.com/SNUFMPYC" target="_blank" rel="noopener">The Super-Rewards</a> app is available for download on both the App Store and Google Play.</p> <p><em>This is a sponsored article produced in partnership with <a href="https://go.linkby.com/SNUFMPYC" target="_blank" rel="noopener">Super-Rewards</a>.</em></p> <p><em>Image: Getty</em></p>

Retirement Income

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Major fuel savings for seniors

<p>Major fuel savings are now on offer for over 1.6 million seniors over the age of 60 across New South Wales, as the government adds fuel discounts to the list of benefits for NSW Seniors Card and Senior Savers Card holders. </p> <p>Senior card holders will be eligible for the new United Discount Fuel Card, which offers savings of 4c per litre at participating service stations, which can be used once daily for single transactions up to 150 litres. </p> <p>Anyone over 60 can become cardholders of the Seniors Card and Senior Savers Card, which allows them to save on fuel, energy, insurance, cybersecurity, pet adoption and vet services, and groceries.</p> <p>United Petrol head of loyalty Judith Russell said that after they've signed up for the card, “members then need to show and scan this United fuel discount card at the time of purchase at participating United service stations to save the four cents per litre.”</p> <p>The Minister for Seniors Jodie Harrison shared their excitement to launch this discount. </p> <p>"We’re excited to launch the program’s first fuel discount with United Petroleum, an Australian-owned business offering discounts to members at the bowser.”</p> <p>“This brand-new discount has been added to the wealth of Seniors Card savings to help keep more money in seniors’ pockets and ease price pressure at the pump.”</p> <p>For those who want to apply for the fuel card, they can <a href="https://www.unitedpetroleum.com.au/fuel-discount-cards/our-partners/nsw-seniors-card/" target="_blank" rel="noopener">sign up here </a>for a digital or plastic card, and find out the participating service stations here. </p> <p><em>Image: Getty</em></p>

Money & Banking

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Concerns for seniors in shift to cashless society

<p>Experts have voiced their concerns that senior Aussies will be left behind as the banking industry continues to move away from using cash.</p> <p>National Seniors Australia chief operating officer Chris Grice said there has been a "big shift to getting people off cash", as many financial institutions favour digital transactions. </p> <p>While this shift is geared towards leaning into technological and advancements and making things as convenient as possible, there are worries that older Aussies will be left struggling with the change. </p> <p>"The feedback we're getting it is not as easy as, you know, just tap and go and away you go," Mr Grice told <a href="https://9now.nine.com.au/today/commonwealth-bank-statement-on-claims-of-cashless-branches/63ed8948-8dbc-40a9-a2cc-a58b2b94255e" target="_blank" rel="noopener"><em>Today</em></a>.</p> <p>"Some of these regional communities in particular, have challenges around internet access."</p> <p>While cash will still be readily available, Mr Grice warned that people trying to access their cash could face increasing transaction fees at ATMs. </p> <p>Meanwhile,  Commonwealth Bank has responded to reports that it has increased the number of "cashless" branches, where a general banking teller is not provided to service customers, saying Cash withdrawals and deposits are available at all Commonwealth Bank branches and Specialist Centres."</p> <p>They went on to say that Specialist Centres, for people who require a face-to-face service, will remain in "major metropolitan locations".</p> <p>There are fears that a growing number of cashless branches across the entire banking industry would disadvantage older Australians who rely on cash as their primary form of banking, leaving many wonder how they will access their money given the limitations. </p> <p><em>Image credits: Getty Images</em></p>

Money & Banking

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Three centenarians share their secret to longevity

<p>Reaching 100 years old is quite an achievement, especially for anyone hitting the milestone now. Back in 1916 the average lifespan for a man was 55, the average lifespan for a woman was 59 and the likelihood of making it to 100 was one per cent.</p> <p>Times have changed and now we have a raft of seniors around Australia hitting triple digits. To celebrate this incredible milestone, a group of centenarians have been honoured to a special morning tea at Government House in Melbourne.</p> <p>In an interview with <em>ABC Online</em> they shared some of their secrets to longevity. Follow this advice and we reckon anyone has a chance of making it to 100 years old.</p> <p>Jean Hills believes family is the key to success, telling <em>ABC Online</em>, "[I'm] thankful that I had so many marvellous relatives. Often people say they don't have anything to do with their relatives. It was the relatives that saved me and my family during the depression and gave us the opportunity to really achieve something."</p> <p>Jean also adds, “Don't go near the TV.”</p> <p>Stasys Eimutis on the other hand attributes his longevity to his passions and insistence to cut out drinking and smoking, “I have a workshop and I'm doing many things. I'm not going to bed in the night time, [I'm] always doing something. Mostly woodwork. I make musical instruments and organise a music group and I'm still playing. I'm the leader."</p> <p>For Annie Bernstein however, it all comes down to hard work, "I'm getting all the pleasure now from my daughter, my granddaughter and my grandsons and my great granddaughter.</p> <p>"They're lovely."</p> <p><em>Images: Getty</em></p>

Retirement Life

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Lisa Wilkinson denies turning to senior politicians over Higgins’ rape allegations

<p>Channel 10 personality and former <em>The Project </em>host Lisa Wilkinson has denied claims that she approached senior level politicians with a request to pose questions about Brittany Higgins’ rape allegations against Bruce Lehrmann during Question Time. </p> <p>The dismissal came in the wake of Channel 7’s <em>Spotlight </em>episode featuring the formerly accused, where a recording of a phone call between Wilkinson, her producer Angus Llewellyn, Higgins, and Higgins’ partner David Sharaz was exposed.</p> <p>During the conversation, which was recorded in January 2021, they were reportedly discussing which politicians they might be able to work with to steer the conversation in parliament, with Wilkinson telling Higgins that she wanted to see her “enunciate the fact that this place [Parliament House] is all about suppression of people’s natural sense of justice”. </p> <p>Sharaz noted that he had a “friend in Labor”, and that Senator Katy Gallagher could “probe and continue it [the conversation] going”. At one stage, Wilkinson went so far as to claim that “certainly Albo” should be considered, though she later went on to retract that, and suggested “Tanya Plibersek, definitely”. </p> <p>And while Sharaz had questioned what Wilkinson hoped to gain from the conversation, Wilkinson assured them that that wasn’t the case. </p> <p>“No. Whether it’s white privilege, male domination, whether it’s, you know, criminal activity. I am from the western suburbs of Sydney. I have always been motivated by exactly the same thing, people who deserve to be heard not being heard,” she explained. </p> <p>Wilkinson had more to say on the matter when it came to the likes of former deputy Liberal leader Julie Bishop, sharing her frustration about the “many opportunities” she had to “speak out against the culture”. </p> <p>“The minute she was out of there [she said], ‘oh it’s really sexist’,” Wilkinson added. “I tried to get her on the record with that so many times when she could’ve actually effected change, and she wouldn’t.”</p> <p>And now, despite the leaked recording - which was handed over by Channel 10 under subpoena during the criminal trial, with more shared on TV than in court - Wilkinson has released a statement to declare that she did not approach the politicians in question. </p> <p>“Nor did I speak to any other politicians, their minders or apparatchiks,” she said.</p> <p>The audio came up during Sunrise as well, when Natalie Barr asked their entertainment commentator, Peter Ford, whether or not the recording might be a problem down the line. </p> <p>“Was that coaching?” she asked. “Or was that a journalist talking before the interview?”</p> <p>Ford agreed that it was a fine line, then added, “but I generally think when someone says, ‘I don’t want to put words in your mouth,’ that is exactly what they want to do.”</p> <p><em>Images: Getty</em></p>

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