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Too many Australians aren’t getting a flu vaccine. Why, and what can we do about it?

<div class="theconversation-article-body"> <p><em><a href="https://theconversation.com/profiles/holly-seale-94294">Holly Seale</a>, <a href="https://theconversation.com/institutions/unsw-sydney-1414">UNSW Sydney</a></em></p> <p>Australia’s childhood immunisation program gets very good uptake every year – <a href="https://www.health.gov.au/topics/immunisation/immunisation-data/childhood-immunisation-coverage">almost 94% of five-year-olds</a> have had all their routine vaccinations. But our influenza vaccine coverage doesn’t get such a good report card.</p> <p>Looking back over <a href="https://ncirs.org.au/influenza-vaccination-coverage-data/historical-national-influenza-vaccination-coverage-end-year-age">recent years</a>, for kids aged six months to five years, we saw a peak in flu vaccine coverage at the beginning of the COVID pandemic at 46%, which then declined to 30% by the 2023 season.</p> <p>While we’re still relatively early in the 2024 flu season, only <a href="https://ncirs.org.au/influenza-vaccination-coverage-data">7% of children</a> under five have received their flu shot this year so far.</p> <p>Although young children are a particular concern, flu vaccination rates appear to be lagging for the population as a whole. Reports indicate that <a href="https://www.abc.net.au/news/2024-05-07/calls-to-vaccinate-young-children-against-flu-as-season-begins/103783508">from March 1 to April 28</a>, 16% fewer people were vaccinated against the flu compared with the same period last year.</p> <p>So what’s going on, and what can we do to boost uptake?</p> <h2>Why do we vaccinate kids against the flu?</h2> <p>Last year, <a href="https://www.health.gov.au/sites/default/files/2023-12/aisr-2023-national-influenza-season-summary.pdf">reported cases of flu</a> were highest in children aged five to nine, followed by those aged zero to four. This is not a new trend – we record a high number of flu cases and hospital admissions in kids every year. So far <a href="https://nindss.health.gov.au/pbi-dashboard/">this year</a> children aged zero to four have had the highest number of infections, marginally ahead of five- to nine-year-olds.</p> <p>While kids are more likely to catch and spread the flu, they’re also <a href="https://theconversation.com/kids-are-more-vulnerable-to-the-flu-heres-what-to-look-out-for-this-winter-117748">at greater risk</a> of getting very sick from it. This particularly applies to children under five, and the flu vaccine is available for free for this age group.</p> <p>The flu vaccine isn’t perfect – it may not prevent infections entirely – but it’s definitely our best chance of protection. Research has shown influenza-related visits to the GP were <a href="https://pubmed.ncbi.nlm.nih.gov/27577556/">more than halved</a> in vaccinated children compared with unvaccinated children.</p> <h2>So why are kids not receiving the vaccine?</h2> <p>Often, it comes down to misunderstandings about who is eligible for the vaccine or whom it’s recommended for. But we can address this issue by nudging people via <a href="https://www.annfammed.org/content/15/6/507?sf174332549=1">a text message reminder</a>.</p> <p>Some parents <a href="https://www.sciencedirect.com/science/article/pii/S0264410X17318285">report concerns</a> about the vaccine, including the old dogma that it can cause the flu. The flu vaccine <a href="https://www.betterhealth.vic.gov.au/health/healthyliving/flu-influenza-immunisation">can’t give you the flu</a> because it doesn’t contain live virus. Unfortunately, that myth is really sticky.</p> <p>For <a href="https://onlinelibrary.wiley.com/doi/full/10.1111/jpc.15235">some parents</a>, the challenge can be forgetting to book or accessing an appointment.</p> <h2>It’s not just kids at higher risk</h2> <p>Adults aged 65 and over are also <a href="https://theconversation.com/im-over-65-and-worried-about-the-flu-which-vaccine-should-i-have-204810">more vulnerable</a> to the flu, and can receive a <a href="https://www.health.gov.au/topics/immunisation/vaccines/influenza-flu-vaccine">free vaccine</a>. For this group, we usually get around <a href="https://ncirs.org.au/influenza-vaccination-coverage-data/historical-national-influenza-vaccination-coverage-end-year-age">65% vaccinated</a>. So far this year, <a href="https://ncirs.org.au/influenza-vaccination-coverage-data/national-influenza-vaccination-coverage-all-people-age-group">around 35%</a> of over-65s have received their flu vaccine.</p> <p>Aboriginal and Torres Strait Islander people are likewise eligible for a free flu vaccine. While previously coverage rates were higher among Aboriginal and Torres Strait Islander peoples compared to the overall population, this gap has narrowed. There’s even some movement backwards, especially <a href="https://ncirs.org.au/influenza-vaccination-coverage-data/historical-national-influenza-vaccination-coverage-end-year-age">in younger age groups</a>.</p> <p>The flu vaccine is also free for pregnant women and anyone who has <a href="https://www.health.gov.au/topics/immunisation/when-to-get-vaccinated/immunisation-for-people-with-medical-risk-conditions">a medical condition</a> such as heart disease, chronic lung disease, diabetes or kidney disease.</p> <p>Past studies have found flu vaccine coverage <a href="https://www.phrp.com.au/wp-content/uploads/2022/06/PHRP31232111.pdf">for pregnant women</a> varies around the country from 39% to 76% (meaning in some jurisdictions up to 60% of pregnant women are not getting vaccinated). When it comes to adults with chronic health conditions, we don’t have a good sense of how many people receive the vaccine.</p> <p>The reasons adults don’t always get the flu vaccine overlap with the reasons for children. Often <a href="https://www.tandfonline.com/doi/full/10.1080/08870446.2021.1957104">concerns about side effects</a> are cited as the reason for not getting vaccinated, followed by time constraints.</p> <p>We also know <a href="https://www.aihw.gov.au/reports/primary-health-care/coordination-of-health-care-experiences-barriers/summary">accessing medical services</a> can be difficult for some people, such as those living in rural areas or experiencing financial hardship.</p> <h2>Filling the gaps</h2> <p>In Australia, GPs offer flu vaccines for all ages, while flu vaccination is also available at pharmacies, generally from age five and up.</p> <p>While some people make a conscious decision not to get themselves or their children vaccinated, for many people, the barriers are related to access.</p> <p>Programs offering vaccination outside the doctor’s office are increasing globally, and may assist in <a href="https://www.tandfonline.com/doi/full/10.1080/14760584.2019.1698955">filling gaps</a>, especially among those who don’t have regular access to a GP.</p> <p>For some people, their only point of contact with the <a href="https://pubmed.ncbi.nlm.nih.gov/34272104/">medical system</a> may be during emergency department visits. Others may have more regular contact with a <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC7046372/">specialist</a> who coordinates their medical care, rather than a GP.</p> <p>Offering vaccine education and programs <a href="https://journals.sagepub.com/doi/10.1177/0009922810374353">in these settings</a> has been shown to improve immunisation rates and may play a pivotal role in filling access gaps.</p> <p>Outside medical and pharmacy settings, the workplace is the most common place for Australian adults to receive their flu vaccine. A <a href="https://www.sciencedirect.com/science/article/pii/S1326020023004272">survey</a> showed Australian adults find workplace vaccination convenient and cost-effective, especially where free or subsidised vaccines are offered.</p> <p>Expanding vaccination settings, such as with <a href="https://journals.sagepub.com/doi/10.1177/19375867221087360?url_ver=Z39.88-2003&rfr_id=ori:rid:crossref.org&rfr_dat=cr_pub%20%200pubmed">drive-through</a> and mobile clinics, can benefit groups who have unique access barriers or are under-served. Meanwhile, offering vaccination through faith-based organisations has been shown to improve uptake among <a href="https://pubmed.ncbi.nlm.nih.gov/37013523/">racial and ethnic minority groups</a>.</p> <p><em>Eleftheria Lentakis, a masters student at the School of Population Health at UNSW Sydney, contributed to this article.</em><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/229477/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /></p> <p><a href="https://theconversation.com/profiles/holly-seale-94294"><em>Holly Seale</em></a><em>, Associate Professor, School of Population Health, <a href="https://theconversation.com/institutions/unsw-sydney-1414">UNSW Sydney</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/too-many-australians-arent-getting-a-flu-vaccine-why-and-what-can-we-do-about-it-229477">original article</a>.</em></p> </div>

Body

Hughesy spills the beans on major shows set to be axed

<p>Dave Hughes has shared his prediction that <em>The Masked Singer</em> is die to be axed from Network Ten's lineup this year as the network continues to battle dwindling ratings. </p> <p>The host of the show made the admission on his radio show on Tuesday, saying he hadn't been given any updates on when filming was due to commence. </p> <p>“We’ve been waiting on a production schedule. That production schedule has not come through, so as far as I know, <em>The Masked Singer </em>won’t be filmed this year for Channel 10,” Hughes said on his show Hughesy, Ed and Erin on 2DayFM.</p> <p>“We’ve had such a great time over those years, it’s been such a fun show to be on, so many great singers have been on,” he continued. “We’ve had great panels. We started with Jackie O, Dannii Minogue, [Lindsay] Lohan, then Urzila Carlson came in, we’ve got Abbie Chatfield, Chrissy Swan, Mel B. All stars in their own right."</p> <p>“It’s a tough one for the production team.”</p> <p>Later during the radio show, Hughesy and the team called Osher Günsberg to question whether <em>The Bachelor </em>was facing the same grim fate as <em>The Masked Singer</em>. </p> <p>“I tell you what, I haven’t cancelled our trip to Fiji, which is in the middle of the shooting window we normally have [for <em>The Bachelor</em>],” Günsberg, who has been host of the dating show since 2013, said.</p> <p>Osher went on to criticise Australian TV for putting British and American shows on prime time, rather than favouring homegrown talent. </p> <p>“I personally feel we really need to value our own stories, and our culture, and our own voices far more highly,” he said. “And we’ve got to do what we need to do to make that happen on our screens."</p> <p>“If we’re not going to sing our own songs and tell our own stories – we’re just going to be this weird echo of the US and the UK, and that’s not going to work out well for us.”</p> <p>Last year's season of <em>The Bachelor</em> premiered to the franchise’s lowest ratings in its decade-long history, while personalities involved with <em>The Masked Singer</em> have repeatedly said "it is a very expensive show to produce". </p> <p><em>Image credits: Ten </em></p>

Hope: A double-edged sword in the human experience

<p>Hope has long been cherished as a source of strength in times of adversity. Yet, as explored in this edited extract from his new book <em>The Human Condition</em> by author Tony Grey, this fundamental emotion is not without its complexities and potential pitfalls.</p> <p>---</p> <p>As in the host of challenges explored in <em>The Human Condition</em>, the feeling of expectation and desire for something beneficial to happen, which we call hope, is as fundamental to the human condition as the will to survive; they’re linked within the evolutionary imperative. As Cicero pointed out, “dum spiro spero” (while I breathe I hope). Hope is a rolling prayer to life as time moves on, a whisper to the soul that things will turn out all right. </p> <p>The sentiment is generally unchallenged. Why should it be? In times of trouble, we need the balm of hope. Samuel Johnson said, “Hope is a species of pleasure, and perhaps, the chief pleasure this world affords.”</p> <p>While usually positive about hope, Greek philosophers were sometimes ambivalent about it, citing its propensity, through wishful thinking, to encourage indolence or actually cause harm. In Sophocles’ play Antigone, the Chorus sings, “Hope whose wanderings are so wide is to many men a comfort, but to many a false lure of giddy desires.” Plato observes that hope breeds a confidence which can exacerbate a precondition of arrogance in the powerful, leading to serious wrongdoing. “It is among these men that we find the ones who do the greatest evils.” </p> <p>Napoleon and Hitler are examples. And so is the Japanese government responsible for the Pearl Harbour attack. At the World War Two surrender on the deck of the USS Missouri, a Japanese general was heard to say when he looked at the sky blackened by Allied aircraft flying past and the sea bursting with warships, “How did we ever hope we could win?”</p> <p>On the other hand, Plato stressed the motivational properties of hope when directed towards a good aim. And Aristotle links hope with the virtue of megalopsychia (high-mindedness) resulting from its inspirational role.</p> <p>I have an experience of this in my family. My nephew was born to my sister with intellectual disability, and other difficulties. His condition seemed hopeless. Nevertheless, from the first, hope was my sister’s support; it gave her the energy to carry on. Through the gloom it afforded a glimpse into the future where progress beckoned. And all along she demonstrated that hope is ineluctably linked to love.</p> <p>Aided by her husband, the father, she worked day and night teaching and inspiring the boy. When old enough he went to a special needs school and gradually progressed, indefatigably supported at home. Over time his condition improved so that eventually he could take and keep a simple job, cook food, and have friends (similarly disabled), a state absolutely unforeseeable at his early stage of life. Throughout all the difficulties, frustrations and threats of despair, hope sustained my sister and guided her to the wonderful achievement of saving a human life.</p> <p>In most instances, hope is personal in the sense that something specific to the individual or those who are close is wanted. However, it can range far beyond that into areas involving others such as team sports, politics, economic activity, justice, national and tribal identity, international relations – notably war, and pandemics like Covid. Within these fields, hope calls out for the survival and well-being of humanity and its prospects for moral and material progress. Such hope embraces faith in something bigger than the individual. If human beings have a purpose, its linked to that, and its fulfillment is somehow bound up in hope.</p> <p>This approach cries out for exploring a whole array of other challenges inherent in the human condition.</p> <p><strong>ABOUT THE AUTHOR</strong></p> <p>Tony Grey is an accomplished author residing in Sydney. His latest book, <em>The Human Condition</em>, ambitiously explores the hurly burly of human existence, and is available now for purchase through Halstead Press Publishers. Tony is the founder of Pancontinental Mining, a former director of Opera Australia and the Conservatorium of Music, and a former trustee of the Art Gallery of New South Wales. Other books by Tony Grey include <em>Jabiluka</em>, <em>East Wind</em> and <em>Seven Gateways</em>. His writings have featured in the <em>Australian</em> <em>Financial Review</em>, <em>Quadrant</em> and the <em>Australian</em>. </p> <p><em>Image: Getty Images</em></p>

Mind

Australian churches collectively raise billions of dollars a year – why aren’t they taxed?

<div class="theconversation-article-body"> <p><em><a href="https://theconversation.com/profiles/dale-boccabella-15706">Dale Boccabella</a>, <a href="https://theconversation.com/institutions/unsw-sydney-1414">UNSW Sydney</a> and <a href="https://theconversation.com/profiles/ranjana-gupta-1207482">Ranjana Gupta</a>, <a href="https://theconversation.com/institutions/auckland-university-of-technology-1137">Auckland University of Technology</a></em></p> <p>There’s a good reason your local volunteer-run netball club doesn’t pay tax. In Australia, various nonprofit organisations are exempt from paying income tax, including those that do charitable work, such as churches.</p> <p>These exemptions or concessions can also extend to other taxes, including fringe benefits tax, state and local government property taxes and payroll taxes.</p> <p>The traditional justification for granting these concessions is that charitable activities benefit society. They contribute to the wellbeing of the community in a variety of non-religious ways.</p> <p>For example, charities offer welfare, health care and education services that the government would generally otherwise provide due to their obvious public benefits. The tax exemption, which allows a charity to retain all the funds it raises, provides the financial support required to relieve the government of this burden.</p> <p>The nonprofit sector is often called the third sector of society, the other two being government and for-profit businesses. But in Australia, this third sector is quite large. Some grassroots organisations have only a tiny footprint, but other nonprofits are very large. And many of these bigger entities – including some “megachurches” – run huge commercial enterprises. These are often indistinguishable from comparable business activities in the for-profit sector.</p> <p>So why doesn’t this revenue get taxed? And should we really give all nonprofits the same tax exemptions?</p> <h2>Why don’t churches pay tax?</h2> <p>The primary aim of a church is to advance or promote its religion. This itself counts as a charitable purpose under the <a href="https://www.legislation.gov.au/C2013A00100/asmade/text">2013 Charities Act</a>. However, section five of that act requires a church to have only charitable purposes – any other purposes must be incidental to or in aid of these.</p> <p>Viewed alone, the conduct of a church with an extensive commercial enterprise – which could include selling merchandise, or holding concerts and conferences – is not a charitable purpose.</p> <p>But Australian case law and <a href="https://www.acnc.gov.au/for-charities/start-charity/role-acnc-deciding-charity-status/legal-meaning-charity#:%7E:text=Taxation%20Ruling%20(TR)%202011%2F,set%20out%20in%20taxation%20rulings.">an ATO ruling</a> both support the idea that carrying on business-like activities can be incidental to or in aid of a charitable purpose. This could be the case, for example, if a large church’s commercial activities were to help give effect to its charitable purposes.</p> <p>Because of this, under Australia’s current income tax law, a church that is running a large commercial enterprise is able to retain its exemption from income tax on the profits from these activities.</p> <p>There are various public policy concerns with this. First, the lost tax revenue is likely to be significant, although the government’s annual tax expenditure statement does not currently provide an estimate of the amount of tax revenue lost.</p> <p>And second, the tax exemption may give rise to unfairness. A for-profit business competing with a church in a relevant industry may be at a competitive disadvantage – despite similar business activities, the for-profit entity pays income tax but the church does not. This competitive disadvantage may be reflected in lower prices for customers of the church business.</p> <h2>What about taxing their employees?</h2> <p>Churches that run extensive enterprises are likely to have many employees. Generally, all the normal Australian tax rules apply to the way these employees are paid – for example, employees pay income tax on these wages. Distributing profits to members would go against the usual rules of the church, and this prohibition is <a href="https://www.legislation.gov.au/C2013A00100/asmade/text">required</a> anyway for an organisation to qualify as a charity.</p> <p>Some churches may be criticised for paying their founders or leaders “excessive” wages, but these are still taxed in the same way as normal salaries.</p> <p>It’s important to consider fringe benefit tax – which employers have to pay on certain benefits they provide to employees. Aside from some qualifications, all the usual <a href="https://www.ato.gov.au/businesses-and-organisations/hiring-and-paying-your-workers/fringe-benefits-tax/how-fringe-benefits-tax-works">fringe benefit tax rules</a> apply to non-wage benefits provided to employees of a church.</p> <p>Just like their commercial (and taxable) counterparts, the payment for “luxury” travel and accommodation for church leaders and employees when on church business will not generate a fringe benefits taxable amount for the church.</p> <p>One qualification, though, is that a church is likely to be a <a href="https://www.ato.gov.au/businesses-and-organisations/hiring-and-paying-your-workers/fringe-benefits-tax/fbt-concessions-for-not-for-profit-organisations/fbt-rebatable-employers">rebatable employer</a> under the fringe benefit tax regime. This means it can obtain some tax relief on benefits provided to each employee, up to a cap.</p> <h2>We may need to rethink blanket tax exemptions for charities</h2> <p>Back in an age where nonprofits were mainly small and focused on addressing the needs of people failed by the market, the income tax exemption for such charities appeared appropriate.</p> <p>But in the modern era, some charities – including some churches – operate huge business enterprises and collect rent on extensive property holdings.</p> <p>Many are now questioning whether we should continue offering them an uncapped exemption from income tax, especially where there are questions surrounding how appropriately these profits are used.</p> <p>Debates about solutions to the problem have focused on various arguments. However, more data may be needed on the way charities apply their profits to a charitable purpose, particularly those involved in substantial commercial activities.</p> <p>An all-or-nothing rule exempting the whole charitable sector may no longer be fit for purpose if it fails to take into account the very different circumstances of different nonprofits.<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/228901/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /></p> <p><a href="https://theconversation.com/profiles/dale-boccabella-15706"><em>Dale Boccabella</em></a><em>, Associate Professor of Taxation Law, <a href="https://theconversation.com/institutions/unsw-sydney-1414">UNSW Sydney</a> and <a href="https://theconversation.com/profiles/ranjana-gupta-1207482">Ranjana Gupta</a>, Senior Lecturer Taxation, <a href="https://theconversation.com/institutions/auckland-university-of-technology-1137">Auckland University of Technology</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/australian-churches-collectively-raise-billions-of-dollars-a-year-why-arent-they-taxed-228901">original article</a>.</em></p> </div>

Money & Banking

Australians lose $5,200 a minute to scammers. There’s a simple thing the government could do to reduce this. Why won’t they?

<div class="theconversation-article-body"><em><a href="https://theconversation.com/profiles/peter-martin-682709">Peter Martin</a>, <a href="https://theconversation.com/institutions/crawford-school-of-public-policy-australian-national-university-3292">Crawford School of Public Policy, Australian National University</a></em></p> <p>What if the government was doing everything it could to stop thieves making off with our money, except the one thing that could really work?</p> <p>That’s how it looks when it comes to <a href="https://www.scamwatch.gov.au/types-of-scams">scams</a>, which are attempts to trick us out of our funds, usually by getting us to hand over our identities or bank details or transfer funds.</p> <p>Last year we lost an astonishing <a href="https://www.accc.gov.au/media-release/scam-losses-decline-but-more-work-to-do-as-australians-lose-27-billion">A$2.74 billion</a> to scammers. That’s more than $5,200 per minute – and that’s only the scams we know about from the 601,000 Australians who made reports. Many more would have kept quiet.</p> <p>If the theft of $5,200 per minute seems over the odds for a country Australia’s size, a comparison with the United Kingdom suggests you are right. In 2022, people in the UK lost <a href="https://www.ukfinance.org.uk/system/files/2023-05/Annual%20Fraud%20Report%202023_0.pdf">£2,300</a> per minute, which is about A$4,400. The UK has two and a half times Australia’s population.</p> <p>It’s as if international scammers, using SMS, phone calls, fake invoices and fake web addresses are targeting Australia, because in other places it’s harder.</p> <p>If we want to cut Australians’ losses, it’s time to look at rules about to come into force in the UK.</p> <h2>Scams up 320% since 2020</h2> <p>The current federal government is doing a lot – <em>almost</em> everything it could. Within a year of taking office, it set up the <a href="https://www.accc.gov.au/national-anti-scam-centre">National Anti-Scam Centre</a>, which coordinates intelligence. Just this week, the centre reported that figure of $2.74 billion, which is down 13% on 2022, but up 50% on 2021 and 320% on 2020.</p> <p>It’s planning “<a href="https://treasury.gov.au/consultation/c2023-464732">mandatory industry codes</a>” for banks, telecommunication providers and digital platforms.</p> <p>But the code it is proposing for banks, set out in a <a href="https://treasury.gov.au/sites/default/files/2023-11/c2023-464732-cp.pdf">consultation paper</a> late last year, is weak when compared to overseas.</p> <h2>Banks are the gatekeepers</h2> <p>Banks matter, because they are nearly always the means by which the money is transferred. Cryptocurrency is now much less used after the banks agreed to limit payments to high risk exchanges.</p> <p>Here’s an example of the role played by banks. A woman the Consumer Action Law Centre is calling <a href="https://consumeraction.org.au/wp-content/uploads/2024/02/Joint-submission-CALC-CHOICE-ACCAN-31012024-Scams-Mandatory-code-treasury-consultA.pdf">Amelia</a> tried to sell a breast pump on Gumtree.</p> <p>The buyer asked for her bank card number and a one-time PIN and used the code to whisk out $9,100, which was sent overseas. The bank wouldn’t help because she had provided the one-time PIN.</p> <p>Here’s another. A woman the Competition and Consumer Commission is calling <a href="https://www.accc.gov.au/system/files/Targeting%20scams%202022.pdf">Niamh</a> was contacted by someone using the National Australia Bank’s SMS ID. Niamh was told her account was compromised and talked through how to transfer $300,000 to a “secure” account.</p> <p>After she had done it, the scammer told her it was a scam, laughed and said “we are in Brisbane, come find me”.</p> <h2>How bank rules protect scammers</h2> <p>And one more example. Former University of Melbourne academic <a href="https://www.researchgate.net/publication/377766055_Scams_Blaming_the_Victims">Kim Sawyer</a> (that’s his real name, he is prepared to go public) clicked on an ad for “St George Capital” displaying the dragon logo of St. George Bank.</p> <p>He was called back by a man using the name of a real St. George employee, who persuaded him to transfer funds from accounts at the AMP, Citibank and Macquarie to accounts he was told would be in his and his wife’s name at Westpac, ANZ, the Commonwealth and Bendigo Banks.</p> <p>They lost <a href="https://www.afr.com/wealth/personal-finance/i-lost-2-5m-of-my-super-to-scammers-20240423-p5flzp">$2.5 million</a>. Sawyer says none of the banks – those that sent the funds or those that received them – would help him. Some cited “<a href="https://www.choice.com.au/money/financial-planning-and-investing/stock-market-investing/articles/st-george-capital-investment-scam">privacy</a>” reasons.</p> <p>The Consumer Action Law Centre says the banks that transfer the scammed funds routinely tell their customers “it’s nothing to do with us, you transferred the money, we can’t help you”. The banks receiving the funds routinely say “you’re not our customer, we can’t help you”.</p> <p>That’s here. Not in the UK.</p> <h2>UK bank customers get a better deal</h2> <p>In Australia in 2022, only <a href="https://download.asic.gov.au/media/mbhoz0pc/rep761-published-20-april-2023.pdf">13%</a> of attempted scam payments were stopped by banks before they took place. Once scammed, only 2% to 5% of losses (depending on the bank) were reimbursed or compensated.</p> <p>In <a href="https://www.psr.org.uk/information-for-consumers/app-fraud-performance-data/">the UK</a>, the top four banks pay out 49% to 73%.</p> <p>And they are about to pay out much more. From October 2024, reimbursement will be compulsory. Where authorised fast payments are made “because of deception by fraudsters”, the banks will have to reimburse <a href="https://www.thomsonreuters.com/en-us/posts/investigation-fraud-and-risk/app-fraud-uk">the lot</a>.</p> <p>Normally the bills will be split <a href="https://www.psr.org.uk/news-and-updates/latest-news/news/psr-confirms-new-requirements-for-app-fraud-reimbursement/">50:50</a> between the bank transferring the funds and the bank receiving them. Unless there’s a need for further investigations, the payments must be made within five days.</p> <p>The <a href="https://www.psr.org.uk/media/as3a0xan/sr1-consumer-standard-of-caution-guidance-dec-2023.pdf">only exceptions</a> are where the consumer seeking reimbursement has acted fraudulently or with gross negligence.</p> <p>The idea behind the change – pushed through by the Conservative government now led by UK Prime Minister Rishi Sunak – is that if scams are the banks’ problem, if they are costing them millions at a time, they’ll stop them.</p> <p><a href="https://www.thepost.co.nz/business/350197309/banks-given-fraud-ultimatum">New Zealand</a> is looking at doing the same thing, <a href="https://www.biocatch.com/blog/mas-shared-responsibility-fraud-losses">as is Singapore</a>.</p> <p>But here, the treasury’s discussion paper on its mandatory codes mentions reimbursement <a href="https://treasury.gov.au/sites/default/files/2023-11/c2023-464732-cp.pdf">only once</a>. That’s when it talks about what’s happening in the UK. Neither treasury nor the relevant federal minister is proposing it here.</p> <h2>Australia’s approach is softer</h2> <p>Assistant Treasurer Stephen Jones is in charge of Australia’s rules.</p> <p>Asked why he wasn’t pushing for compulsory reimbursement here, Jones said on Monday <a href="https://ministers.treasury.gov.au/ministers/stephen-jones-2022/transcripts/interview-mark-gibson-abc-perth">prevention was better</a>.</p> <blockquote> <p>I think a simplistic approach of just saying, ‘Oh, well, if any loss, if anyone incurs a loss, then the bank always pay’, won’t work. It’ll just make Australia a honeypot for these international crime gangs, because they’ll say, well, ‘Let’s, you know, focus all of our activity on Australia because it’s a victimless crime if banks always pay’.</p> </blockquote> <p>Telling banks to pay would certainly focus the minds of the banks, in the way they are about to be focused in the UK.</p> <p>The <a href="https://www.ausbanking.org.au/submissions/">Australian Banking Association</a> hasn’t published its submission to the treasury review, but the <a href="https://consumeraction.org.au/scams-mandatory-industry-codes-consultation-paper/">Consumer Action Law Centre</a> has.</p> <p>It says if banks had to reimburse money lost, they’d have more of a reason to keep it safe.</p> <p>In the UK, they are about to find out. If Jones is right, it might be about to become a honeypot for scammers. If he is wrong, his government will leave Australia even further behind when it comes to scams – leaving us thousands more dollars behind per day.<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/228867/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /></p> <p><em><a href="https://theconversation.com/profiles/peter-martin-682709">Peter Martin</a>, Visiting Fellow, <a href="https://theconversation.com/institutions/crawford-school-of-public-policy-australian-national-university-3292">Crawford School of Public Policy, Australian National 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/australians-lose-5-200-a-minute-to-scammers-theres-a-simple-thing-the-government-could-do-to-reduce-this-why-wont-they-228867">original article</a>.</em></p> </div>

Money & Banking

Our housing system is broken and the poorest Australians are being hardest hit

<div class="theconversation-article-body"> <p><em><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></em></p> <p>Just when we think the price of rentals could not get any worse, this week’s <a href="https://www.anglicare.asn.au/publications/2023-rental-affordability-snapshot/">Rental Affordability Snapshot</a> by Anglicare has revealed low-income Australians are facing a housing crisis like never before.</p> <p>In fact, if you rely on the <a href="https://www.servicesaustralia.gov.au/youth-allowance">Youth Allowance</a>, there is not a single rental property across Australia you can afford this week.</p> <h2>How did rental affordability get this bad?</h2> <p>Several post-COVID factors have been blamed, including our preference for <a href="https://www.rba.gov.au/publications/bulletin/2023/jun/new-insights-into-the-rental-market.html">more space, the return of international migrants</a>, and <a href="https://www.corelogic.com.au/news-research/news/2023/could-the-peak-in-interest-rates-signal-an-end-to-rising-rents">rising interest rates</a>.</p> <p>However, the rental affordability crisis pre-dates COVID.</p> <p>Affordability has been steadily declining for decades, as successive governments have failed to make shelter more affordable for low-to-moderate income Australians.</p> <h2>The market is getting squeezed at both ends</h2> <p>At the lower end of the rental sector, the growth in the supply of social housing persistently lags behind demand, trending at under <a href="https://povertyandinequality.acoss.org.au/data/annual-growth-rates-social-housing-stock-and-population-2011-2020/">one-third</a> the rate of population growth.</p> <hr /> <p><iframe id="OA0cS" class="tc-infographic-datawrapper" style="border: none;" src="https://datawrapper.dwcdn.net/OA0cS/" width="100%" height="400px" frameborder="0"></iframe></p> <hr /> <p>This has forced growing numbers of low-income Australians to seek shelter in the private rental sector, where they face intense competition from higher-income renters.</p> <p>At the upper end, more and more aspiring home buyers are getting <a href="https://www.tandfonline.com/doi/full/10.1080/03085147.2021.2003086">locked out</a> of home ownership.</p> <p>A recent <a href="https://www.ahuri.edu.au/sites/default/files/documents/2024-02/AHURI-Final-Report-416-Affordable-private-rental-supply-and-demand-short-term-disruption.pdf">study</a> found more households with higher incomes are now renting.</p> <p>Households earning <a href="https://www.ahuri.edu.au/sites/default/files/documents/2024-02/AHURI-Final-Report-416-Affordable-private-rental-supply-and-demand-short-term-disruption.pdf">$140,000</a> a year or more (in 2021 dollars) accounted for just 8% of private renters in 1996. By 2021, this tripled to 24%. No doubt, this crowds out lower-income households who are now facing a shortage of affordable homes to rent.</p> <h2>Why current policies are not working</h2> <p>Worsening affordability in the private rental sector highlights a housing system that is broken. Current policies just aren’t working.</p> <p>While current policies focus on supply, more work is needed including fixing <a href="https://theconversation.com/governments-are-pouring-money-into-housing-but-materials-land-and-labour-are-still-in-short-supply-205471">labour shortages</a> and providing greater <a href="https://theconversation.com/people-want-and-need-more-housing-choice-its-about-time-governments-stood-up-to-deliver-it-122390">stock diversity</a>.</p> <p>The planning system plays a critical role and <a href="https://theconversation.com/confusing-and-not-delivering-enough-developers-and-councils-want-new-affordable-housing-rules-139762">zoning rules</a> can be reformed to support the supply of more affordable options.</p> <p>However, the housing affordability challenge is not solely a supply problem. There is also a need to respond to the <a href="https://theconversation.com/home-prices-are-climbing-alright-but-not-for-the-reason-you-might-think-158776">super-charged demand</a> in the property market.</p> <p>An overheated market will undoubtedly place intense pressure on the rental sector because aspiring first home buyers are forced to rent for longer, as house prices soar at a rate unmatched by their wages.</p> <p>Yet, governments continue to resist calls for winding back the <a href="https://www.abc.net.au/news/2024-02-15/ken-henry-australias-tax-system-in-worse-position-after-15-years/103465044">generous tax concessions</a> enjoyed by multi-property owners.</p> <p>The main help available to low-income private renters - the Commonwealth Rent Assistance scheme - is <a href="https://theconversation.com/1-billion-per-year-or-less-could-halve-rental-housing-stress-146397">poorly targeted</a> with nearly one in five low-income renters who are in rental stress deemed ineligible, while another one in four receive it despite not being in rental stress.</p> <h2>Can affordable housing occur naturally?</h2> <p>Some commentators support the theory of <a href="https://www.ahuri.edu.au/sites/default/files/documents/2022-09/Executive-Summary-FR387-Filtering-as-a-source-of-low-income-housing-in-Australia-conceptualisation-and-testing.pdf">filtering</a> - a market-based process by which the supply of new dwellings in more expensive segments creates additional supply of dwellings for low-income households as high-income earners vacate their former dwellings.</p> <p>Proponents of filtering argue building more housing anywhere - even in wealthier ends of the property market - will eventually improve affordability across the board because lower priced housing will trickle down to the poorest households.</p> <p>However, the persistent affordability crisis low-income households face and the rise in homelessness are crucial signs filtering <a href="https://cloud.3dissue.com/122325/122578/143598/WhyNewSupplyisnotExpandingHousingOptionsfortheHomeless/html5/index.html?page=1&noflash">does not work well</a> and <a href="https://www.ahuri.edu.au/sites/default/files/documents/2022-09/AHURI-Final-Report-387-Filtering-as-a-source-of-low-income-housing-in-Australia-conceptualisation-and-testing.pdf">cannot be relied upon</a> to produce lower cost housing.</p> <h2>Location, location, location</h2> <p>Location does matter, if we expect building new housing to work for low-income individuals.</p> <p>What is needed is a steady increase of affordable, quality housing in areas offering low-income renters the same access to jobs and amenities as higher-income households.</p> <p>The <a href="https://treasury.gov.au/housing-policy/accord#:%7E:text=The%20Accord%20includes%20an%20initial,5%20years%20from%20mid%E2%80%912024.">National Housing Accord</a> aims to deliver 1.2 million new dwellings over five years from mid-2024. But it must ensure these are “well-located” for people who need affordable housing, as suggested in the accord.</p> <p>Recent <a href="https://www.tandfonline.com/doi/full/10.1080/02673037.2023.229051">modelling</a> shows unaffordable housing and poor neighbourhoods both negatively affect mental health, reinforcing the need to provide both affordable and well-located housing.</p> <h2>The upcoming budget</h2> <p>While the <a href="https://www.dss.gov.au/sites/default/files/documents/05_2023/payments-cra_budget_fact_sheet_fa_0.pdf">15% increase</a> in the maximum rent assistance rate was welcomed in the last budget, the program is long overdue for a major restructure to target those in rental stress.</p> <p>Also, tax concessions on second properties should be wound back to reduce competition for those struggling to buy their first home. This would eventually help ease affordability pressures on low-income renters as more higher-income renters <a href="https://onlinelibrary.wiley.com/doi/abs/10.1111/1467-8454.12335">shift into homeownership</a>.</p> <p>The potential negative impacts on rental supply can be mitigated by careful design of tax and other changes that guard against market destabilisation concerns.</p> <p>Overall, housing affordability solutions have to be multi-faceted. The housing system is badly broken and meaningful repair cannot be achieved unless policymakers are willing to confront both supply and demand challenges.<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/228511/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /></p> <p><em><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></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/our-housing-system-is-broken-and-the-poorest-australians-are-being-hardest-hit-228511">original article</a>.</em></p> </div>

Money & Banking

Why don’t Australians talk about their salaries? Pay transparency and fairness go hand-in-hand

<div class="theconversation-article-body"> <p><em><a href="https://theconversation.com/profiles/carol-t-kulik-150471">Carol T Kulik</a>, <a href="https://theconversation.com/institutions/university-of-south-australia-1180">University of South Australia</a></em></p> <p>In Australia, it’s not the done thing to know – let alone ask – what our colleagues are paid. Yet, it’s easy to see how pay transparency can make pay systems fairer and more effective.</p> <p>With more information on how much certain tasks and roles are valued, employees can better understand and interpret pay differences, and advocate for themselves. When pay is weakly aligned with employee contributions, pay transparency can be embarrassing for firms.</p> <p>As the government continues to <a href="https://www.smh.com.au/business/workplace/think-your-male-colleagues-earn-more-than-you-soon-you-ll-know-for-sure-20240104-p5ev7i.html">legislate for pay transparency</a>, wise employers should move to identify – and correct – both real and perceived inequities.</p> <h2>The salary taboo</h2> <p>At one extreme, imagine that you work for California-based tech company Buffer, which develops social media tools.</p> <p>Buffer lists the salary of every company employee, in descending order, on its <a href="https://buffer.com/salaries">website</a>. Salaries are non-negotiable and all Buffer employees receive a standard pay raise each year. Prospective job applicants can use Buffer’s online <a href="https://buffer.com/salary-calculator/senior-data-engineer/intermediate">salary calculator</a> to estimate their pay.</p> <p>Does Buffer’s pay system make you cheer – “yay, no uncomfortable salary negotiations!”, or squirm – “what, my salary is on the website?”</p> <p>Most probably, both. There is a persistent social norm researchers call the <a href="https://www.sciencedirect.com/science/article/pii/S0047272723000725">salary taboo</a>. We want to know, but we don’t like to ask, and we definitely don’t want anyone to know that we’re asking.</p> <p>In Norway, an app that enabled users to <a href="https://www.aeaweb.org/articles?id=10.1257/aer.20160256">access neighbors’ tax-reported income</a> was enormously popular – but only while the user could remain anonymous.</p> <h2>The problem with not knowing</h2> <p>Historically, companies have given employees only minimal information about their pay systems, and some have even prohibited them from sharing their own pay information.</p> <p>Such non-transparency creates two big problems.</p> <p>First, managers place <a href="https://sloanreview.mit.edu/article/achieving-meritocracy-in-the-workplace/">too much trust</a> in organisational systems. The more managers become convinced that pay decisions accurately reflect employee contributions, the less diligent they become about monitoring their own personal biases. Without accountability, it’s easy for an organisation’s pay system to drift into inequity.</p> <p>Second, in the absence of comparative information, employees often suspect they are being underpaid – even if they aren’t.</p> <p>In a <a href="https://www.payscale.com/research-and-insights/fair-pay-impact/">survey</a> of over 380,000 employees by data firm Payscale, 57% of employees paid <em>at</em> the market rate and 42% of people paid <em>above</em> the market rate all believed they were being underpaid.</p> <p>However, unfounded it might be, a nagging sense of inequity can drive people out the door. Payscale estimates that people who <em>think</em> they are underpaid are 50% more likely than other employees to seek a new job in the next six months.</p> <h2>Pay transparency is trending</h2> <p>Broadly speaking, pay transparency policies see companies report their pay levels or ranges, explain their pay-setting processes, or encourage their employees to share pay information.</p> <p>Some companies voluntarily share pay information in response to workforce demand, but there’s also a trend toward mandating pay transparency.</p> <p>In Australia, pay secrecy terms are <a href="https://theconversation.com/pay-secrecy-clauses-are-now-banned-in-australia-heres-how-that-could-benefit-you-195814">banned</a> from employment contracts and the Workplace Gender Equality Agency is <a href="https://www.wgea.gov.au/about/our-legislation/publishing-employer-gender-pay-gaps">publishing employers’ gender pay gaps</a>.</p> <p>The European Union’s <a href="https://ec.europa.eu/commission/presscorner/detail/es/ip_22_7739">Pay Transparency Directive</a> already publishes gender pay gaps and requires employers to provide comparative pay data to employees upon request. Several US states and cities now require employers to <a href="https://www.govdocs.com/pay-transparency-laws/">include salary ranges</a> in their recruitment materials.</p> <h2>Pay transparency usually has positive effects</h2> <p>In equitable pay systems, pay differences align with the differential values employees bring to the business. When pay systems are transparent, it’s easy for employees to recognise when they – and their coworkers – are being appropriately rewarded for their contributions.</p> <p>Evidence is building that such transparency is often a good thing.</p> <p>For one, it can increase employee <a href="https://journals.sagepub.com/doi/10.1177/002224377801500204">performance and job satisfaction</a>. People also generally <a href="https://www.journals.uchicago.edu/doi/10.1086/717891">underestimate their bosses’ salaries</a>, so pay transparency can inspire employees to aspire to higher-paid senior positions. And pay transparency identifies staff with unique expertise, so <a href="https://psycnet.apa.org/record/2016-01521-001">employees seek help</a> from the right coworkers.</p> <p>Pay transparency has also been shown to help narrow gender pay gaps. As pay transparency rules spread across public academic institutions in the US, the pay gap between male and female academics <a href="https://www.nature.com/articles/s41562-022-01288-9">dramatically narrowed</a> (in some states, it was even eliminated).</p> <p>In Denmark, where firms are now required to provide pay statistics that compare men and women, the national gender pay gap has <a href="https://onlinelibrary.wiley.com/doi/abs/10.1111/jofi.13136">declined by 13%</a> relative to the pre-legislation average.</p> <h2>But it can still be risky</h2> <p>Every pay system has pockets of unfairness, where managers have made <a href="https://psycnet.apa.org/record/2001-01537-002">special arrangements</a> to attract or retain talent. Pay transparency exposes these exceptions, so they can be immediately explained or corrected.</p> <p>But if there are too many such pockets, managers need to brace for a productivity downturn. When pay transparency reveals systematic inequities – for example, disparities based on gender – overall organisational <a href="https://papers.ssrn.com/sol3/papers.cfm?abstract_id=4341804">productivity declines</a>.</p> <p>Over the long run, pay transparency leads to <a href="https://onlinelibrary.wiley.com/doi/abs/10.1111/jofi.13136">flatter and narrower</a> pay distributions, but distributions can also be too flat and too narrow. Managers making pay decisions are aware that their decisions will be directly scrutinised and may <a href="https://journals.aom.org/doi/10.5465/amj.2020.1831">become reluctant</a> to assign high wages even for high performance.</p> <p>If pay <a href="https://www.nature.com/articles/s41562-022-01288-9">loses its motivating potential</a>, employees can become disheartened, especially <a href="https://onlinelibrary.wiley.com/doi/abs/10.1111/peps.12054">star performers</a>.</p> <h2>Proceed with caution</h2> <p>As stakeholders on this issue demand more transparency, employers would be wise to stay ahead of legislative moves.</p> <p>Independently making the first move is a show of good faith and can unfold in stages. A good first step is to reveal the pay ranges associated with groups of related roles, giving employers time to conduct internal audits, communicate with employees and systematically correct inequities as they surface.</p> <p>In contrast, having to reveal pay data because of a government mandate can publicly expose patterns of inequity and cause permanent damage to a company’s reputation.<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/224067/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /></p> <p><em><a href="https://theconversation.com/profiles/carol-t-kulik-150471">Carol T Kulik</a>, Research Professor, <a href="https://theconversation.com/institutions/university-of-south-australia-1180">University of South Australia</a></em></p> <p><em>Image credits: Getty Images </em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/why-dont-australians-talk-about-their-salaries-pay-transparency-and-fairness-go-hand-in-hand-224067">original article</a>.</em></p> </div>

Money & Banking

Australians are having fewer babies and our local-born population is about to shrink: here’s why it’s not that scary

<div class="theconversation-article-body"><a href="https://theconversation.com/profiles/amanda-davies-201009">Amanda Davies</a>, <em><a href="https://theconversation.com/institutions/the-university-of-western-australia-1067">The University of Western Australia</a></em></p> <p>Australians are having fewer babies, so many fewer that without international migration our population would be on track to decline in just over a decade.</p> <p>In most circumstances, the number of babies per woman that a population needs to sustain itself – the so-called <a href="https://www.who.int/data/gho/indicator-metadata-registry/imr-details/123">total fertility rate</a> – is 2.1.</p> <p>Australia’s total fertility rate dipped below 2.1 in the late 1970s, moved back up towards it in the late 2000s (assisted in part by an improving economy, better access to childcare and the introduction of the <a href="https://theconversation.com/what-the-baby-bonus-boost-looks-like-across-ten-years-81563">Commonwealth Baby Bonus</a>), and then plunged again, hitting a low of <a href="https://www.abs.gov.au/statistics/people/population/population-projections-australia/2022-base-2071#assumptions">1.59</a> during the first year of COVID.</p> <hr /> <p><iframe id="CHdqj" class="tc-infographic-datawrapper" style="border: none;" src="https://datawrapper.dwcdn.net/CHdqj/3/" width="100%" height="400px" frameborder="0"></iframe></p> <hr /> <p>The latest population projections from the Australian Bureau of Statistics assume the rate remains near its present 1.6% for <a href="https://www.abs.gov.au/statistics/people/population/population-projections-australia/2022-base-2071#assumptions">the next 50 years</a>.</p> <p>An alternative, lower, set of assumptions has the rate falling to 1.45 over the next five years and staying there. A higher set of assumptions has it rebounding to 1.75 and staying there.</p> <p>A comprehensive study of global fertility trends published in March in the medical journal <a href="https://www.thelancet.com/journals/lancet/article/PIIS0140-6736(24)00550-6/fulltext#%20">The Lancet</a> has Australia’s central case at 1.45, followed by a fall to 1.33 by the end of the century.</p> <p>Significantly, none of these assumptions envisages a return to replacement rate.</p> <p>The bureau’s central projection has Australia’s population turning down from 2037 in the absence of a boost from migration.</p> <hr /> <p><iframe id="oi55c" class="tc-infographic-datawrapper" style="border: none;" src="https://datawrapper.dwcdn.net/oi55c/3/" width="100%" height="400px" frameborder="0"></iframe></p> <hr /> <p>It’s easy to make guesses about reasons. Reliable contraception has been widely available for 50 years. Rents, mortgages and the other costs facing Australians of child-bearing age appear to be climbing. It’s still <a href="https://www.abc.net.au/news/2023-12-17/career-or-baby-michelle-battersby-pregnancy-gender-/103186296">difficult to have a career</a> if you have a child, and data show women still carry the substantive burden of <a href="https://theconversation.com/mind-the-gap-gender-differences-in-time-use-narrowing-but-slowly-191678">unpaid work around the home</a>.</p> <p>The US fertility rate has fallen <a href="https://ourworldindata.org/grapher/children-per-woman-un?tab=chart&time=1950..latest&country=OWID_WRL%7EUSA%7EAUS">much in line with Australia’s</a>.</p> <p>Reporting on <a href="https://theconversation.com/us-birth-rates-are-at-record-lows-even-though-the-number-of-kids-most-americans-say-they-want-has-held-steady-197270">research</a> into the reasons, Forbes Magazine succinctly said a broken economy had “<a href="https://fortune.com/2023/01/12/millennials-broken-economy-delay-children-birthrate/">screwed over</a>” Americans considering having children.</p> <p>More diplomatically, it said Americans saw parenthood as “<a href="https://fortune.com/2023/01/12/millennials-broken-economy-delay-children-birthrate/">harder to manage</a>” than they might have in the past.</p> <h2>Half the world is unable to replace itself</h2> <p>But this trend is widespread. The <a href="https://www.thelancet.com/journals/lancet/article/PIIS0140-6736(24)00550-6/fulltext#%20">Lancet study</a> finds more than half of the world’s countries have a fertility rate below replacement level.</p> <p><a href="https://theconversation.com/chinas-population-shrinks-again-and-could-more-than-halve-heres-what-that-means-220667">China</a>, which is important for the global fertility rate because it makes up such a large share of the world’s population, had a fertility rate as high as 7.5 in the early 1960s. It fell to 2.5 before the start of China’s <a href="https://www.scmp.com/economy/china-economy/article/3135510/chinas-one-child-policy-what-was-it-and-what-impact-did-it">one-child</a> policy in the early 1990s, and then slid further from 1.8 to 1 after the policy was abandoned in 2016.</p> <hr /> <p><iframe id="idC4X" class="tc-infographic-datawrapper" style="border: none;" src="https://datawrapper.dwcdn.net/idC4X/3/" width="100%" height="400px" frameborder="0"></iframe></p> <hr /> <p>South Korea’s fertility rate has dived further, to the world’s lowest: <a href="https://time.com/6488894/south-korea-low-fertility-rate-trend-decline/">0.72</a>.</p> <p>The fertility rate in India, which is now <a href="https://www.un.org/development/desa/dpad/publication/un-desa-policy-brief-no-153-india-overtakes-china-as-the-worlds-most-populous-country/">more populous than China</a>, has also fallen <a href="https://data.worldbank.org/indicator/SP.DYN.TFRT.IN?page=&locations=IN">below replacement level</a>.</p> <p>Most of the 94 nations that continue to have above-replacement fertility rates are in North Africa, the Middle East and Sub-Saharan Africa. Some, including Samoa and Papua New Guinea, are in the Pacific.</p> <p>Most of Asia, Europe and Oceania is already below replacement rate.</p> <h2>A changing world order</h2> <p>The largest high-fertility African nation, <a href="https://www.weforum.org/agenda/2020/09/the-world-population-in-2100-by-country/">Nigeria</a>, is expected to overtake China to become the world’s second-most-populous nation by the end of the century.</p> <p>But even Nigeria’s fertility rate will sink. The Lancet projections have it sliding from 4.7 to <a href="https://www.thelancet.com/journals/lancet/article/PIIS0140-6736(24)00550-6/fulltext#%20">1.87</a> by the end of the century.</p> <p>The differences mean the world’s population growth will increasingly take place in countries that are among the most vulnerable to environmental and economic hardship.</p> <p>Already economically disadvantaged, these nations will need to provide jobs, housing, healthcare and services for rapidly growing populations at a time when the rest of the world does not.</p> <p>On the other hand, those nations will be blessed with young people. They will be an increasingly valuable resource as other nations face the challenges of an ageing population and declining workforce.</p> <h2>An older world, then a smaller world</h2> <p>Global fertility <a href="https://www.thelancet.com/journals/lancet/article/PIIS0140-6736(24)00550-6/fulltext">halved</a> between 1950 and 2021, shrinking from 4.84 to 2.23.</p> <p>The latest projections have it sinking below the replacement rate to somewhere between 1.59 and 2.08 by 2050, and then to between <a href="https://www.thelancet.com/journals/lancet/article/PIIS0140-6736(24)00550-6/fulltext">1.25 and 1.96</a> by 2100.</p> <p>The world has already seen peak births and peak primary-school-aged children.</p> <p>In <a href="https://www.thelancet.com/journals/lancet/article/PIIS0140-6736(24)00550-6/fulltext">2016</a>, the world welcomed about 142 million live babies, and since then the number born each year has fallen. By 2021, it was about 129 million.</p> <p>The global school-age population aged 6 to 11 years peaked at around 820 million in <a href="https://www.un.org/development/desa/dpad/publication/un-desa-policy-brief-no-152-population-education-and-sustainable-development-interlinkages-and-select-policy-implications/">2023</a>.</p> <p>The United Nations expects the world’s population to peak at 10.6 billion in <a href="https://www.smh.com.au/national/the-planet-s-population-will-get-to-10-4-billion-then-drop-here-s-when-we-reach-peak-human-20231213-p5er8g.html">2086</a>, after which it will begin to fall.</p> <p>Another forecast, produced as part of the impressive <a href="https://www.healthdata.org/research-analysis/gbd">Global Burden of Disease</a> study, has the peak occurring two decades earlier in <a href="https://www.thelancet.com/journals/lancet/article/PIIS0140-6736(20)30677-2/fulltext">2064</a>, with the world’s population peaking at 9.73 billion.</p> <h2>Fewer babies are a sign of success</h2> <p>In many ways, a smaller world is to be welcomed.</p> <p>The concern common <a href="https://theconversation.com/a-long-fuse-the-population-bomb-is-still-ticking-50-years-after-its-publication-96090">in the 1960s and 1970s</a> that the world’s population was growing faster and faster and the world would soon be unable to feed itself has turned out to be misplaced.</p> <p>Aside from occasional blips (China’s birth rate in the <a href="https://www.jstor.org/stable/1973601">Year of the Dragon</a>) the fertility trend in just about every nation on Earth is downwards.</p> <p>The world’s population hasn’t been growing rapidly for long. Before 1700 it grew by only about <a href="https://ourworldindata.org/population-growth-over-time">0.4% per year</a>. By 2100 it will have stabilised and started to fall, limiting the period of unusually rapid growth to four centuries.</p> <p>In an important way, lower birth rates can be seen as a sign of success. The richer a society becomes and the more it is able to look after its seniors, the less important it becomes for each couple to have children to care for them in old age. This is a long-established theory with a name: the <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC4116081/">demographic transition</a>.</p> <p>For Australia, even with forecast immigration, lower fertility will mean changes.</p> <p>The government’s 2023 <a href="https://treasury.gov.au/publication/2023-intergenerational-report">Intergenerational Report</a> says that whereas there are now 3.7 Australians of traditional working age for each Australian aged 65 and over, by 2063 there will only be 2.6.</p> <p>It will mean those 2.6 people will have to work smarter, perhaps with greater assistance from artificial intelligence.</p> <p>Unless they decide to have more babies, which history suggests they won’t.<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/228273/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /></p> <p><a href="https://theconversation.com/profiles/amanda-davies-201009"><em>Amanda Davies</em></a><em>, Professor and Head of School of Social Sciences, <a href="https://theconversation.com/institutions/the-university-of-western-australia-1067">The University of Western Australia</a></em></p> <p><em>Image credits: </em><em>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/australians-are-having-fewer-babies-and-our-local-born-population-is-about-to-shrink-heres-why-its-not-that-scary-228273">original article</a>.</em></p> </div>

Family & Pets

"It's up to men": Anthony Albanese joins violence against women rally

<p>Anthony Albanese has joined a rally in Canberra to protest the recent spate of acts of violence against women, admitting his government hasn't "done enough" to ensure Aussie women are protected. </p> <p>Addressing the 5,000-strong crowd at Parliament House, Mr Albanese delivered a fiery speech, demanding nationwide change to all levels of Australian society and asking protesters to hold him “accountable” for his government’s actions. </p> <p>Mr Albanese said Australia needed to change its “culture”, “attitudes” and “legal system” to end the scourge of violence against women that has already allegedly claimed the lives of 26 women this year.</p> <p>“We’re here today to demand that governments of all levels, must do better, including my own, and every state and territory government,” he said. </p> <p>“We’re here as well to say that society, and Australia, must do better. We need to change the culture, we need to change attitudes, we need to change the legal system."</p> <p>Mr Albanese spoke about some of the actions his government had taken to address the problem, including the introduction of domestic violence payments.</p> <p>A protester interrupted, saying “it’s not enough”.</p> <p>The prime minister replied, “I agree it’s not enough. I said that. We need to do more.”</p> <p>Mr Albanese finished his speech by calling the problem a “national crisis” and said one or two months of funding would not be enough to solve it.</p> <p>“It’s up to men to change men’s behaviour as well,” he said. “Yes, people do need to be made accountable and I’ll be accountable for what my government does.”</p> <p>Thousands took to the grounds of Parliament House on Sunday to listen to Albanese's address, where one of the event organisers Sarah Williams from the company WWYW (What Were You Wearing?), claims the Prime Minister lied to the crowd at the start of his stirring speech.</p> <p>In his speech in the afternoon, Mr Albanese suggested he had asked the rally organisers for permission to speak but had been knocked back. </p> <p>“We did ask to speak, myself and (Finance minister) Katy (Gallagher) and we were told that’s not possible,” he said to the 5000 strong crowd.</p> <p>“And that’s fine, we respect the organisers’ right to do that.”</p> <p>However, Ms Williams took to social media after the event to say the Prime Minister had "lied to the country". </p> <p>“The Prime Minister of Australia lied to his country today,” she began. </p> <p>“Representatives from (Finance Minister Katy) Gallagher and Albanese’s offices both said this morning that they were sure Katy would be happy to speak. Not the Prime Minister.”</p> <p>“He never asked to speak. For him to not only demand he speak because he was being heckled, but lie was disgraceful."</p> <p>“He demonstrated today what entitlement looks like. A man with power trying to diminish a vulnerable young woman.”</p> <p>In an awkward and tense exchange, Ms Williams then demanded the politicians show their commitment to the organisation’s demands, and declare that the recent spate of murders of women by men was a national emergency. </p> <p>However, the Labor ministers appeared non-responsive and confused, initially refusing to front the rally, a move which brought boos and heckling from the audience. </p> <p>“Why are you even here?” one protester yelled from the crowd.</p> <p>“Shame on you,” shouted another.</p> <p><em>Image credits: Getty Images / Instagram</em></p>

Caring

"It loses its value": Calls for the Last Post to be canned from Anzac Day footy

<p>A radio host has called for the Last Post to be canned from the majority of Anzac Day football games, saying it has lost its meaning over the years, leaving people with "bugle fatigue". </p> <p>An Anzac Day AFL match has taken place every year at the MCG on Anzac Day since 1995, with Collingwood and Essendon going head to head year after year.</p> <p>It was the brainchild of then Essendon coach Kevin Sheedy who had also served in the Australian Army during his playing days for Richmond.</p> <p>The game started as a one off-match, which quickly snowballed into an entire round of games, while the NRL also joined in and created their own Anzac Day matches.</p> <p>Traditionally, each game starts with a ceremony of recognition of our veterans and a performance of the Last Post. before the game kicks off. </p> <p>The addition of the several extra games, all which begin with the Last Post, prompted radio host Greg 'Marto' Martin from Brisbane's <em>Triple M Breakfast with Marto, Margaux & Dan</em> to call for The Last Post to be scrapped from all matches, except the annual fixture between Essendon and Collingwood. </p> <p>"Football has now turned [The Last Post] into a gimmick," he said.</p> <p>"Back in 1995 when Kevin Sheedy, the coach of Essendon, he said, 'Let's have an Anzac Day clash at the MCG,' I reckon it's the most… spine tingling three minutes or so." </p> <p>"97,000 at the MCG… not one person yelling out while that's being played and, the honour that they give to all serving soldiers and returned soldiers is quite extraordinary."</p> <p>"But now what's happened, as football always does, and I'm not just talking AFL I'm talking rugby league as well, they've taken a wonderful thing and they've gone, 'Oh that's good —'"</p> <p>Margaux interrupted saying: "How can we capitalise!"</p> <p>Marto continued, "So what's going to happen this week in all eight games of the AFL and all eight games of the rugby league… every single one of them will play this [The Last Post] and you'll get ANZAC - you'll get bugle fatigue."</p> <p>"We have to stop it somewhere."</p> <p>Margaux said, "It gets saturated, so it loses its value. They all think they are doing the right thing, but all they are doing is turning it into a mockery."</p> <p>The AFL has confirmed that all nine matches across round seven will hold special Anzac observance ceremonies ahead of each game, with AFL General Manager Commercial Peta Webster saying, "Anzac Day is one of our country's most important national occasions so I'd encourage all fans attending matches throughout the round to arrive early to soak up the atmosphere and pre-match formalities that will no doubt be another moving tribute to the sacrifices of our past and present service men and women."</p> <p><em>Image credits: Getty Images </em></p>

Travel Trouble

"You can't make this up": Project hosts mocked for trainwreck interview

<p><em>The Project</em> hosts have found itself in a storm of laughter and tears after a trainwreck interview with an unfortunate Melbourne mum who was recently booted from a comedy show with her crying baby.</p> <p>It all started innocently enough when a breastfeeding mother Trish Faranda found herself ousted from an Arj Barker comedy show because her seven-month-old bundle of joy was proving too distracting. </p> <p>In a flurry of events that could rival a sitcom script, Faranda then embarked on a media tour to share her side of the story, which, let's just say, didn't exactly go as smoothly as a well-rehearsed stand-up routine.</p> <p>On Monday night's episode of <em>The Project</em>, host Sarah Harris – in a moment that can only be described as a classic case of foot-in-mouth syndrome – hinted over the sounds of very loud crying that maybe baby Clara "can go to dad just for a quick second... a mum with three little kids, I reckon you need to laugh."</p> <p>As Waleed Aly chuckled nervously in the background, social media exploded faster than a punchline at a comedy club, forcing The Project to quickly disable comments. However, viewers were quick to point out the hilarity of <em>The Project</em>'s own struggle with disruptive babies, all while criticising Arj Barker for his comedic inconvenience.</p> <p>“There’s something really really funny about The Project host asking for the baby to leave for being disruptive during the interview and then going right back to empathising with the mother about being asked to take her baby out during a comedy show for being disruptive,” posted one follower.</p> <p>“Hilarious. The Project takes aim at comedian Arj Barker because he asked a mother/baby to leave & avoid disrupting a live show. At the 3 min mark Sarah Harris kicks the same baby off the air to avoid disrupting the show. You can’t make this up,” posted another.</p> <p>“This is hilarious. Well done The Project and Sarah Harris for showing how distracting a whining baby can be when you’re trying to entertain people," wrote a third.</p> <blockquote class="instagram-media" style="background: #FFF; border: 0; border-radius: 3px; box-shadow: 0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width: 540px; min-width: 326px; padding: 0; width: calc(100% - 2px);" data-instgrm-captioned="" data-instgrm-permalink="https://www.instagram.com/reel/C6EL8Kfvv7N/?utm_source=ig_embed&utm_campaign=loading" data-instgrm-version="14"> <div style="padding: 16px;"> <div style="display: flex; flex-direction: row; align-items: center;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 40px; margin-right: 14px; width: 40px;"> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 100px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 60px;"> </div> </div> </div> <div style="padding: 19% 0;"> </div> <div style="display: block; height: 50px; margin: 0 auto 12px; width: 50px;"> </div> <div style="padding-top: 8px;"> <div style="color: #3897f0; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: 550; line-height: 18px;">View this post on Instagram</div> </div> <div style="padding: 12.5% 0;"> </div> <div style="display: flex; flex-direction: row; margin-bottom: 14px; align-items: center;"> <div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(0px) translateY(7px);"> </div> <div style="background-color: #f4f4f4; height: 12.5px; transform: rotate(-45deg) translateX(3px) translateY(1px); width: 12.5px; flex-grow: 0; margin-right: 14px; margin-left: 2px;"> </div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(9px) translateY(-18px);"> </div> </div> <div style="margin-left: 8px;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 20px; width: 20px;"> </div> <div style="width: 0; height: 0; border-top: 2px solid transparent; border-left: 6px solid #f4f4f4; border-bottom: 2px solid transparent; transform: translateX(16px) translateY(-4px) rotate(30deg);"> </div> </div> <div style="margin-left: auto;"> <div style="width: 0px; border-top: 8px solid #F4F4F4; border-right: 8px solid transparent; transform: translateY(16px);"> </div> <div style="background-color: #f4f4f4; flex-grow: 0; height: 12px; width: 16px; transform: translateY(-4px);"> </div> <div style="width: 0; height: 0; border-top: 8px solid #F4F4F4; border-left: 8px solid transparent; transform: translateY(-4px) translateX(8px);"> </div> </div> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center; margin-bottom: 24px;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 224px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 144px;"> </div> </div> <p style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; line-height: 17px; margin-bottom: 0; margin-top: 8px; overflow: hidden; padding: 8px 0 7px; text-align: center; text-overflow: ellipsis; white-space: nowrap;"><a style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: normal; line-height: 17px; text-decoration: none;" href="https://www.instagram.com/reel/C6EL8Kfvv7N/?utm_source=ig_embed&utm_campaign=loading" target="_blank" rel="noopener">A post shared by The Project (@theprojecttv)</a></p> </div> </blockquote> <p>Meanwhile, over at <em>A Current Affair</em>, baby Clara once again stole the show, or rather, disrupted it entirely. The interview turned into a symphony of cries and babbling, leaving viewers wondering if they had accidentally tuned in to a sitcom pilot.</p> <p>But let's not forget the man of the hour, Arj Barker himself, who stood by his decision to evict the tiny troublemaker from his comedy haven. In a series of radio interviews, Barker defended his actions, citing the sacredness of comedic timing and the sheer audacity of bringing an infant to a 15-plus comedy show.</p> <p>In the end, amidst the laughter and the tears, one thing became abundantly clear: comedy, like life, is unpredictable. Whether it's a crying baby stealing the spotlight or a tone-deaf remark from a well-meaning host, one thing's for sure – you can always count on the unexpected.</p> <p><em>Images: The Project</em></p>

How tracking menopause symptoms can give women more control over their health

<div class="theconversation-article-body"><a href="https://theconversation.com/profiles/deborah-lancastle-1452267">Deborah Lancastle</a>, <em><a href="https://theconversation.com/institutions/university-of-south-wales-1586">University of South Wales</a></em></p> <p>Menopause can cause more symptoms than hot flushes alone. And some of your symptoms and reactions might be due to the menopause, even if you are still having periods. Research shows that keeping track of those symptoms can help to alleviate them.</p> <p>People sometimes talk about the menopause as though it were a single event that happens when you are in your early 50s, which is <a href="https://www.mayoclinic.org/diseases-conditions/menopause/symptoms-causes/syc-20353397#:%7E:text=Menopause%20is%20the%20time%20that,is%20a%20natural%20biological%20process.">the average time</a> to have your last period. But the menopause generally stretches between the ages of 45 and 55. And some women will experience an earlier “medical” menopause because of surgery to remove the womb or ovaries.</p> <p>The menopause often happens at one of the busiest times of life. You might have teenagers at home or be supporting grown-up children, have elderly parents, be employed and have a great social life. If you feel exhausted, hot and bothered, irritable and can’t sleep well, you might be tempted to think that it is because you never get a minute’s peace. But that is why monitoring symptoms is important.</p> <p><a href="https://journals.lww.com/menopausejournal/Abstract/2023/03000/Symptom_monitoring_improves_physical_and_emotional.7.aspx">My team recently tested</a> the effects of tracking symptoms and emotions during the menopause. We asked women to rate 30 physical and 20 emotional symptoms of the menopause.</p> <p>The physical and psychological symptoms included poor concentration, problems with digesting food, stress and itchy skin, as well as the obvious symptoms like hot flushes and night sweats. Women tracked positive emotions like happiness and contentment, and negative emotions like feeling sad, isolated and angry.</p> <p>There were two groups of women in this study. One group recorded their symptoms and emotions every day for two weeks. The other group recorded their symptoms and emotions once at the beginning of the fortnight and once at the end.</p> <p>The results showed that the women who monitored their symptoms and emotions every day reported much lower negative emotions, physical symptoms and loneliness at the end of two weeks than at the beginning, compared to the other group.</p> <p>As well as this, although the loneliness scores of the group who monitored every day were lower than the other group, women in both groups said that being in the study and thinking about symptoms helped them feel less lonely. Simply knowing that other women were having similar experiences seemed to help.</p> <p>One participant said: “I feel more normal that other women are doing the same survey and are probably experiencing similar issues, especially the emotional and mental ones.”</p> <h2>Why does monitoring symptoms help?</h2> <p>One reason why tracking might help is that rating symptoms can help you notice changes and patterns in how you feel. This could encourage you to seek help.</p> <p>Another reason is that noticing changes in symptoms might help you link the change to what you have been doing. For example, looking at whether symptoms spike after eating certain foods or are better after exercise. This could mean that you change your behaviour in ways that improve your symptoms.</p> <p>Many menopause symptoms are known as “non-specific” symptoms. This is because they can also be symptoms of mental health, thyroid or heart problems. It is important not to think your symptoms are “just” the menopause. You should always speak to your doctor if you are worried about your health.</p> <p>Another good thing about monitoring symptoms is that you can take information about how often you experience symptoms and how bad they are to your GP appointment. This can help the doctor decide what might be the problem.</p> <p>Websites such as <a href="https://healthandher.com">Health and Her</a> and <a href="https://www.balance-menopause.com">Balance</a> offer symptom monitoring tools that can help you track what is happening to your physical and emotional health. There are several apps you can use on your phone, too. Or you might prefer to note symptoms and how bad they are in a notebook every day.<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/209004/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /></p> <p><em><a href="https://theconversation.com/profiles/deborah-lancastle-1452267">Deborah Lancastle</a>, Associate Professor of Psychology, <a href="https://theconversation.com/institutions/university-of-south-wales-1586">University of South Wales</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/how-tracking-menopause-symptoms-can-give-women-more-control-over-their-health-209004">original article</a>.</em></p> </div>

Body

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‘Girl math’ may not be smart financial advice, but it could help women feel more empowered with money

<div class="theconversation-article-body"><em><a href="https://theconversation.com/profiles/ylva-baeckstrom-1463175">Ylva Baeckstrom</a>, <a href="https://theconversation.com/institutions/kings-college-london-1196">King's College London</a></em></p> <p>If you’ve ever calculated cost per wear to justify the price of an expensive dress, or felt like you’ve made a profit after returning an ill-fitting pair of jeans, you might be an expert in <a href="https://www.standard.co.uk/news/world/girl-maths-tiktok-trend-its-basically-free-b1100504.html">“girl math”</a>. With videos about the topic going viral on social media, girl math might seem like a silly (<a href="https://www.glamourmagazine.co.uk/article/girl-math-womens-spending-taken-seriously">or even sexist</a>) trend, but it actually tells us a lot about the relationship between gender, money and emotions.</p> <p>Girl math introduces a spend classification system: purchases below a certain value, or made in cash, don’t “count”. Psychologically, this makes low-value spending feel safe and emphasises the importance of the long-term value derived from more expensive items. For example, girl math tells us that buying an expensive dress is only “worth it” if you can wear it to multiple events.</p> <p>This approach has similarities to <a href="https://www.investopedia.com/terms/m/modernportfoliotheory.asp">portfolio theory</a> – a method of choosing investments to maximise expected returns and minimise risk. By evaluating how each purchase contributes to the shopping portfolio, girl math shoppers essentially become shopping portfolio managers.</p> <h2>Money and emotions</h2> <p>People of all genders, rich or poor, feel anxious when dealing with their personal finances. Many people in the UK do not understand pensions or saving enough to <a href="https://www.ons.gov.uk/employmentandlabourmarket/peopleinwork/workplacepensions/articles/pensionparticipationatrecordhighbutcontributionsclusteratminimumlevels/2018-05-04">afford their retirement</a>. Without motivation to learn, people avoid dealing with money altogether. One way to find this motivation, as girl math shows, is by having an emotional and tangible connection to our finances.</p> <p>On the surface, it may seem that women are being ridiculed and encouraged to overspend by using girl math. From a different perspective, it hints at something critical: for a person to really care about something as seemingly abstract as personal finance, they need to feel that they can relate to it.</p> <p>Thinking about money in terms of the value of purchases can help create an <a href="https://www.thetimes.co.uk/article/every-time-i-use-my-card-my-phone-buzzes-and-that-stops-me-shopping-ps0fjx6nj">emotional relationship</a> to finance, making it something people want to look after.</p> <figure><iframe src="https://www.youtube.com/embed/GPzA7B6dcxc?wmode=transparent&start=0" width="440" height="260" frameborder="0" allowfullscreen="allowfullscreen"></iframe></figure> <h2>The girl math we need</h2> <p>Women are a consumer force to be reckoned with, controlling <a href="https://www.forbes.com/sites/bridgetbrennan/2015/01/21/top-10-things-everyone-should-know-about-women-consumers/#7679f9d6a8b4">up to 80%</a> of consumer spending globally. The girl math trend is a demonstration of women’s mastery at applying portfolio theory to their shopping, making them investment powerhouses whose potential is overlooked by the financial services industry.</p> <p><a href="https://www.theguardian.com/world/2019/oct/28/women-paid-less-than-men-over-careers-gender-pay-gap-report">Women are disadvantaged</a> when it comes to money and finance. Women in the UK earn on average £260,000 less than men during their careers and the retirement income of men is twice as high as women’s.</p> <p>As I’ve found in <a href="https://www.routledge.com/Gender-and-Finance-Addressing-Inequality-in-the-Financial-Services-Industry/Baeckstrom/p/book/9781032055572">my research</a> on gender and finance, women have lower financial self-efficacy (belief in their own abilities) compared to men. This is not helped by women feeling patronised when seeking financial advice.</p> <p>Because the world of finance was created by men for men, its language and culture are <a href="https://www.routledge.com/Gender-and-Finance-Addressing-Inequality-in-the-Financial-Services-Industry/Baeckstrom/p/book/9781032055572">intrinsically male</a>. Only in the mid-1970s did women in the UK gain the legal right to open a bank account without a male signature and it was not until 1980 that they could apply for credit independently. With the law now more (<a href="https://www.worldbank.org/en/news/press-release/2023/03/02/pace-of-reform-toward-equal-rights-for-women-falls-to-20-year-low">but not fully</a>) gender equal, the financial services industry has failed to connect with women.</p> <p>Studies show that 49% of women are <a href="https://www.ellevest.com/magazine/disrupt-money/ellevest-financial-wellness-survey">anxious about their finances</a>. However they have not bought into patronising offers and <a href="https://www.fa-mag.com/news/gender-roles-block-female-financial-experience--ubs-says-73531.html">mansplaining by financial advisers</a>. This outdated approach suggests that it is women, rather than the malfunctioning financial system, <a href="https://www.theguardian.com/commentisfree/2020/sep/16/women-are-not-financially-illiterate-they-need-more-than-condescending-advice">who need fixing</a>.</p> <p>Women continue to feel that they do not belong to or are able to trust the world of finance. And why would women trust an industry with a <a href="https://www.ons.gov.uk/employmentandlabourmarket/peopleinwork/earningsandworkinghours/bulletins/genderpaygapintheuk/2019">gender pay gap</a> of up to 59% and a severe lack of women in senior positions?</p> <p>Girl math on its own isn’t necessarily good financial advice, but if it helps even a handful of women feel more empowered to manage and understand their finances, it should not be dismissed.</p> <p></p> <p><em><a href="https://theconversation.com/profiles/ylva-baeckstrom-1463175">Ylva Baeckstrom</a>, Senior Lecturer in Finance, <a href="https://theconversation.com/institutions/kings-college-london-1196">King's College London</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/girl-math-may-not-be-smart-financial-advice-but-it-could-help-women-feel-more-empowered-with-money-211780">original article</a>.</em></p> </div>

Money & Banking

First pics of Molly the Magpie reunion

<p>After a heartwarming 45-day saga that captured the nation's attention, Molly the Magpie has finally returned to her Gold Coast home, reuniting with her unlikely best friend, Peggy and Ruby the Staffies.</p> <p>The news, announced by Queensland’s Department of Environment, Science and Innovation (DESI), brought immense relief and joy to Molly's devoted followers and animal lovers across the country.</p> <p>DESI's decision to approve a specialised license for Molly's return was a pivotal moment in this remarkable journey. Independent veterinary experts deemed Molly "highly habituated", highlighting the importance of her continued care and wellbeing. The dedication of Molly's human family, Juliette Wells and Reece Mortensen, in meeting the conditions outlined in the license – including refraining from commercial exploitation of the bird or its image, undergoing wildlife carer training, and engaging with DESI to ensure Molly’s ongoing care and enrichment – demonstrated their unwavering commitment to her welfare.</p> <p>Throughout Molly's absence, the nation remained captivated by her story, eagerly following updates on social media. With over 800,000 followers on Instagram, Molly and her human family became symbols of compassion and friendship, inspiring countless individuals along the way.</p> <p>"WE HAVE THE BEST NEWS 💥 MOLLY IS HOME !!!!" wrote Juliette and Reece on Instagram. "We are overwhelmed with emotion right now 😭👏. I have been visualising & looking forward to this day for what feels like a lifetime 😊. It was a very exciting reunion at the Dept this morning for us with a little cry of happiness from Molly.</p> <p>"When we arrived home the Peggy & Ruby wiggly bottoms were in full force and a few excited noises from Molly.</p> <p>"We are so grateful to you our supporters, QLD Premier Steven Miles & the DESI for allowing us to get our licence & to be reunited with Molly again ❤️. We look forward to life settling back down to normal very soon."</p> <p>The outpouring of support and celebration upon Molly's return was overwhelming. Messages of joy flooded social media, echoing the sentiments of a nation rejoicing in Molly's homecoming. From tears of happiness on train commutes to heartfelt expressions of relief, Molly's story touched the hearts of many.</p> <p>"Oh THANK GOODNESS - SANITY has PREVAILED," wrote one folllower. "Poor little Molly must feel so relieved. I do still think it’s ridiculous you can’t do a book or a movie- I would love that and would be happy for you to make millions because you have brought so much JOY to so many. I mean it’s not like someone can grab a magpie and put it with their dogs and this happens. I’m not sure what that legality is protecting🙄🙄🙄."</p> <p>"I understand why there are rules about wildlife," posted another. "I understand why this unusual circumstance brought concern. Humans have been abusing wild animals for personal gain forever. But I do think all of the goals surrounding Molly's concerns could have been achieved without removing him from his home and upsetting everyone, most especially Molly. I hope he settles in without being disoriented. He's seen a bit more of the world now. He may want to see more of it. But I hope he always comes home. Love to all of you." </p> <p>As Molly settles back into her familiar surroundings, surrounded by the love of her family and furry friends, there is a collective sigh of relief. The journey may have been challenging, but the outcome is one of triumph and unity.</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/C5xhlv9pgG5/?utm_source=ig_embed&utm_campaign=loading" data-instgrm-version="14"> <div style="padding: 16px;"> <div style="display: flex; flex-direction: row; align-items: center;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 40px; margin-right: 14px; width: 40px;"> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 100px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 60px;"> </div> </div> </div> <div style="padding: 19% 0;"> </div> <div style="display: block; height: 50px; margin: 0 auto 12px; width: 50px;"> </div> <div style="padding-top: 8px;"> <div style="color: #3897f0; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: 550; line-height: 18px;">View this post on Instagram</div> </div> <div style="padding: 12.5% 0;"> </div> <div style="display: flex; flex-direction: row; margin-bottom: 14px; align-items: center;"> <div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(0px) translateY(7px);"> </div> <div style="background-color: #f4f4f4; height: 12.5px; transform: rotate(-45deg) translateX(3px) translateY(1px); width: 12.5px; flex-grow: 0; margin-right: 14px; margin-left: 2px;"> </div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(9px) translateY(-18px);"> </div> </div> <div style="margin-left: 8px;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 20px; width: 20px;"> </div> <div style="width: 0; height: 0; border-top: 2px solid transparent; border-left: 6px solid #f4f4f4; border-bottom: 2px solid transparent; transform: translateX(16px) translateY(-4px) rotate(30deg);"> </div> </div> <div style="margin-left: auto;"> <div style="width: 0px; border-top: 8px solid #F4F4F4; border-right: 8px solid transparent; transform: translateY(16px);"> </div> <div style="background-color: #f4f4f4; flex-grow: 0; height: 12px; width: 16px; transform: translateY(-4px);"> </div> <div style="width: 0; height: 0; border-top: 8px solid #F4F4F4; border-left: 8px solid transparent; transform: translateY(-4px) translateX(8px);"> </div> </div> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center; margin-bottom: 24px;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 224px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 144px;"> </div> </div> <p style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; line-height: 17px; margin-bottom: 0; margin-top: 8px; overflow: hidden; padding: 8px 0 7px; text-align: center; text-overflow: ellipsis; white-space: nowrap;"><a style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: normal; line-height: 17px; text-decoration: none;" href="https://www.instagram.com/p/C5xhlv9pgG5/?utm_source=ig_embed&utm_campaign=loading" target="_blank" rel="noopener">A post shared by Peggyandmolly (@peggyandmolly)</a></p> </div> </blockquote> <p><em>Images: Instagram</em></p>

Family & Pets

SecondBite's Feed the Future Program: cultivating hope, one meal at a time

<p>In a world where food insecurity continues to plague communities, there shines a beacon of hope in the form of <a href="https://secondbite.org/">SecondBite</a>. Since its inception in 2005, SecondBite has worked tirelessly to rescue and redistribute surplus food, ensuring that no Australian goes to bed hungry. Now, with the launch of their Feed the Future program, they are taking their commitment to combating hunger and waste to new heights.</p> <p>The impact of SecondBite's efforts is truly staggering. Having already rescued and redistributed the equivalent of almost 300 million meals, they have become a lifeline for countless individuals and families facing food insecurity across the nation. But as the demand for their services continues to rise, so too does the need for support from generous donors and supporters.</p> <p>At the heart of SecondBite's purpose is the belief that every Australian deserves access to nutritious food, regardless of their circumstances. Through their Feed the Future program, they are not only addressing immediate hunger but also working towards a future where hunger and food waste are relics of the past.</p> <p>One individual who embodied this spirit of generosity was the late Frank Costa AO, a prominent Australian businessman and philanthropist. His unwavering commitment to giving back to the community lives on through a generous $1 million donation to SecondBite's Future Trust, ensuring that his legacy of compassion and service will continue to make a difference for years to come.</p> <p>“Frank was so passionate about health and the role that nutritious food plays in keeping us healthy,” says his widow, Shirley Costa. “He always said that the best way to preserve your health is to put the right food in your body, in particular, fruit and vegetables. He felt genuinely proud to provide a service to people, but also to contribute to their health and happiness. And he hoped that his gift would allow SecondBite to continue this legacy.”</p> <p><img class="alignnone size-full wp-image-70396" src="https://www.readersdigest.com.au/wp-content/uploads/2024/03/SecondBite_Hero_02.jpg" alt="" width="770" height="500" /></p> <p>For those considering leaving a gift to SecondBite in their will, the Feed the Future program offers a unique opportunity to create a lasting impact. By becoming a member, supporters can join a community of like-minded individuals dedicated to building a future where no one goes hungry.</p> <p>Membership in the Feed the Future program comes with a range of exclusive benefits, including a certificate of recognition, a special lapel pin, invitations to events, and even a symbolic apple tree to plant in your garden as a testament to your commitment to ending hunger.</p> <p>But perhaps the greatest reward of all is the knowledge that your gift will help SecondBite continue their vital work, providing nourishment, hope and dignity to those in need. Together, we can create a future where every Australian has a place at the table, and no one is left behind.</p> <p><img class="alignnone wp-image-70420 size-full" src="https://www.readersdigest.com.au/wp-content/uploads/2024/04/Cropped-Image_secondbite_770.jpg" alt="" width="770" height="500" /></p> <p>“If you share our vision of a place at the table for all Australians, so that every child, woman and man has access to a regular nutritious food supply,” says SecondBite co-founder Ian Carson, “please consider joining our Feed the Future program and making a gift to SecondBite in your Will.”</p> <p>To learn more about how you can support SecondBite's Feed the Future program and make a difference in the lives of those facing food insecurity, contact their team today at 1800 263 283 or visit <a href="https://secondbite.org/gifts-in-will/" target="_blank" rel="noopener">secondbite.org/gifts-in-will</a>.</p> <p>Join us in cultivating a brighter future for all Australians, one meal at a time.</p> <p><em>Images: Supplied.</em></p> <p><em>This is a sponsored article produced in partnership with SecondBite.</em></p>

Food & Wine

"Tears started rolling": First glimpse of Molly the magpie shared by carers

<p>The first photo of Molly the magpie has been released by his carers, 43 days after he was removed from his adoptive family's home. </p> <p>In March, Molly's adoptive family from Queensland were forced to surrender the bird after complaints that his owners don't hold a wildlife permit. </p> <p>Molly the magpie has lived with Juliette Wells and Reece Mortensen and their two dogs Peggy and Ruby since 2020, when he - originally thought to be a she - fell out a nest in their backyard. </p> <p>Ever since the family were forced to hand over the magpie, Premier Steven Miles said the Department of Environment, Science and Innovation was working to help them secure the permits needed to bring Molly back home. </p> <p>While the permit application is in the works, the carers at the facility where Molly is currently being held have released a photo of the bird to ease the minds of his adoptive family. </p> <p>Wells and Mortensen shared the photo to their Instagram, saying, “We have our first photo!”</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-permalink="https://www.instagram.com/p/C5o4_CUSeC7/?utm_source=ig_embed&utm_campaign=loading" data-instgrm-version="14"> <div style="padding: 16px;"> <div style="display: flex; flex-direction: row; align-items: center;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 40px; margin-right: 14px; width: 40px;"> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 100px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 60px;"> </div> </div> </div> <div style="padding: 19% 0;"> </div> <div style="display: block; height: 50px; margin: 0 auto 12px; width: 50px;"> </div> <div style="padding-top: 8px;"> <div style="color: #3897f0; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: 550; line-height: 18px;">View this post on Instagram</div> </div> <div style="padding: 12.5% 0;"> </div> <div style="display: flex; flex-direction: row; margin-bottom: 14px; align-items: center;"> <div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(0px) translateY(7px);"> </div> <div style="background-color: #f4f4f4; height: 12.5px; transform: rotate(-45deg) translateX(3px) translateY(1px); width: 12.5px; flex-grow: 0; margin-right: 14px; margin-left: 2px;"> </div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(9px) translateY(-18px);"> </div> </div> <div style="margin-left: 8px;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 20px; width: 20px;"> </div> <div style="width: 0; height: 0; border-top: 2px solid transparent; border-left: 6px solid #f4f4f4; border-bottom: 2px solid transparent; transform: translateX(16px) translateY(-4px) rotate(30deg);"> </div> </div> <div style="margin-left: auto;"> <div style="width: 0px; border-top: 8px solid #F4F4F4; border-right: 8px solid transparent; transform: translateY(16px);"> </div> <div style="background-color: #f4f4f4; flex-grow: 0; height: 12px; width: 16px; transform: translateY(-4px);"> </div> <div style="width: 0; height: 0; border-top: 8px solid #F4F4F4; border-left: 8px solid transparent; transform: translateY(-4px) translateX(8px);"> </div> </div> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center; margin-bottom: 24px;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 224px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 144px;"> </div> </div> <p style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; line-height: 17px; margin-bottom: 0; margin-top: 8px; overflow: hidden; padding: 8px 0 7px; text-align: center; text-overflow: ellipsis; white-space: nowrap;"><a style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: normal; line-height: 17px; text-decoration: none;" href="https://www.instagram.com/p/C5o4_CUSeC7/?utm_source=ig_embed&utm_campaign=loading" target="_blank" rel="noopener">A post shared by Peggyandmolly (@peggyandmolly)</a></p> </div> </blockquote> <p>"This photo was taken by the carers of Molly (wherever he is) and sent us yesterday. After 43 days... Tears started rolling.”</p> <p>The Gold Coast family then included a poem they had written: “They came and told us they wanted to take you away. We couldn’t even picture what that would look like? I will never forget that day."</p> <p>“If Molly had a voice what would he say? If Molly had a choice where would he stay?"</p> <p>“The silence has been broken. People have awoken. I haven’t been placed on this Earth to hide. Let me soar again and be your guide."</p> <p>“In unity and harmony you will see, what the world needs right now is Peggy, Ruby and me.”</p> <p>In a special message to Molly, Wells and Mortensen said: “We look forward to the day very soon to be able to see you with our own eyes and be reunited again.”</p> <p><em>Image credits: Instagram </em></p> <div class="hide-print ad-no-notice css-qyun7f-StyledAdUnitWrapper ezkyf1c0" style="box-sizing: border-box; caret-color: #292a33; color: #292a33; font-family: HeyWow, Montserrat, 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 15px;"> </div> <p> </p>

Family & Pets

Australian Idol host opens up on painful health battle

<p>Australian Idol host and singer Ricki-Lee Coulter has revealed that she has been battling endometriosis for over a decade. </p> <p>The 38-year-old took to Instagram to share the process that led her diagnosis, straight from the hospital bed, following her laparoscopy and excision surgery. </p> <p>"For over a decade I’ve been dealing with chronic pain that has progressively gotten worse,” she began the post. </p> <p>“Anyone with endometriosis knows it takes a long time to get to the point where you have surgery and can get any kind of diagnosis — and that you have to advocate for yourself and keep pushing for answers.</p> <p>“Over the years I have seen so many doctors and specialists, and have been down so many different paths to try to figure out what was going on — and for so long I thought the pain was just something I had to deal with.</p> <p>“But the past couple of years, it has become almost unbearable and is something I’ve been dealing with every single day.</p> <p>“I met with a new GP at the start of the year, who referred me to a new specialist, and we went through all the measures that have been taken to try to get to the bottom of this pain — and the only option left was surgery.</p> <p>“So this week I had a laparoscopy and excision surgery — and they removed all the endometriosis they found, and I can only hope that is the end of the pain.</p> <p>“I’m now at home recovering and feeling good. Rich is taking very good care of me xxx," she ended the post.</p> <p>She also shared a few photos after her surgery, and of her recovering at home. </p> <p>One in nine women suffer from endometriosis, a condition where the tissue similar to the lining of the uterus grows outside the womb, which sometimes moves to other areas of the body. </p> <p>Friends and followers shared their support in the comments, with reality TV star and fellow endo-warrior Angie Kent saying: “Sending you lots of love! You’re not alone in this — it’s a marathon not a sprint, unfortunately.</p> <p>“But there’s an amazing chronic invisible illness sista-hood out here! I hope you have a good support system with the recovery including an amazing women’s health practitioner.”</p> <p>“Sending lots of love,” Sunrise host Natalie Barr added. </p> <p>“Sending you so much love. Been where you are now and it gets so much better honey,” wrote Jackie O. </p> <p><em>Images: Instagram</em></p> <p> </p>

Caring

How much sport will you be able to watch for free under proposed new Australian broadcast rules?

<p><em><a href="https://theconversation.com/profiles/hunter-fujak-290599">Hunter Fujak</a>, <a href="https://theconversation.com/institutions/deakin-university-757">Deakin University</a> and <a href="https://theconversation.com/profiles/david-rowe-16403">David Rowe</a>, <a href="https://theconversation.com/institutions/western-sydney-university-1092">Western Sydney University</a></em></p> <p>Watching sport on television and other screens is integral to the <a href="https://researchdirect.westernsydney.edu.au/islandora/object/uws%3A57259">cultural lives of many Australians</a>.</p> <p>This is why, in 1995, the anti-siphoning scheme was introduced to ensure sport “<a href="http://www.tandfebooks.com/isbn/9780203758397">events of national importance and cultural significance</a>” would not be captured exclusively by pay TV at the expense of free-to-air coverage.</p> <p>There have been enormous <a href="https://www.taylorfrancis.com/chapters/edit/10.4324/9780429402265-5/television-tony-bennett-modesto-gayo-david-rowe-graeme-turner">changes in television</a> since and this analogue-era legislation is increasingly out of step with the modern digital media landscape.</p> <p>Critically, under current definitions, streaming services such as Netflix and Amazon fall outside a scheme restricting subscription broadcasters like Foxtel.</p> <p>The federal government <a href="https://anthonyalbanese.com.au/media-centre/labor-will-support-local-tv-free-sport-in-the-streaming-age">promised</a> before its election in 2022 to review the anti-siphoning scheme. Its subsequent <a href="https://www.aph.gov.au/Parliamentary_Business/Bills_Legislation/Bills_Search_Results/Result?bId=r7132">Communications Legislation Amendment (Prominence and Anti-siphoning) Bill 2023</a> is designed to close the “<a href="https://theconversation.com/streaming-platforms-will-soon-be-required-to-invest-more-in-australian-tv-and-films-which-could-be-good-news-for-our-screen-sector-198757">regulatory gap</a>” that has emerged within media law since Netflix’s launch in Australia in 2015.</p> <p>The Senate referred the bill to its Environment and Communications Legislation Committee. Its report has just been released and will help shape Australians’ access to sport media content.</p> <h2>The importance of prominence</h2> <p>“Prominence” refers to the discoverability of individual media applications, such as Netflix or 9Now, on the user homepage of smart televisions.</p> <p>The federal government is troubled by overseas services like YouTube and Amazon being immediately visible on smart televisions through commercial licensing agreements, effectively “burying” Australian free-to-air TV.</p> <p>Public service broadcaster SBS, for example, <a href="https://www.9news.com.au/national/anti-siphoning-prominence-laws-australia-free-to-air-tv-channels/87bc8ddd-4120-4542-864e-2c84a781411e">claimed</a> during Senate hearings that one television manufacturer demanded both a placement fee and a 15% share of revenue to feature on the television’s homepage.</p> <p>Prominence is crucial in sport because anti-siphoning legislation is based on the principle that, although in <a href="https://www.thenewdaily.com.au/finance/finance-news/2023/03/06/tv-habits-australia">general decline</a>, free-to-air TV is still the most effective, <a href="https://accan.org.au/files/Reports/ACCAN%20Research%20Snapshot%20How%20Australians%20Watch%20TV.pdf">low-cost, readily-accessed</a> vehicle for delivering premium sport to a majority of Australian households.</p> <h2>Anti-siphoning</h2> <p>While often criticised by <a href="https://www.infrastructure.gov.au/have-your-say/anti-siphoning-scheme-review">subscription media companies and many sports</a> as anti-competitive, anti-siphoning legislation is significantly responsible for the continued abundance of free major sport on our televisions.</p> <p>In a portent of the risks ahead, <a href="https://www.cricket.com.au/news/3807634/amazon-prime-video-secures-icc-broadcast-rights-in-australia-t20-odi-world-cup-world-test-championship-2024-27">International Cricket Council</a> World Cups will disappear from free-to-air television between 2024 and 2027, after the world governing body signed an exclusive four-year deal with streaming platform Amazon.</p> <p>The <a href="https://www.theage.com.au/sport/afl/afl-boss-flies-to-us-for-talks-with-media-companies-20220425-p5ag16.html">AFL</a> also reportedly met Amazon in 2022 as part of its media rights negotiations.</p> <p><a href="https://theconversation.com/regardless-of-the-rules-sport-is-fleeing-free-tv-for-pay-and-it-might-be-an-avalanche-154640">Loopholes</a> in the scheme are also being increasingly exploited. This problem was exposed in 2018 when <a href="https://www.cricket.com.au/news/3296093/tvs-antisiphon-list-and-cricket-explained">Australian one-day international cricket matches</a> went behind a paywall, despite being listed as free-to-air events.</p> <p>As <a href="https://www.news.com.au/entertainment/tv/streaming/nrl-calls-for-technologically-neutral-overhaul-to-sport-broadcasting/news-story/31fc06ab986e12c7e6f720df33d23ad1">Foxtel</a> told the Senate hearing, both Nine (Stan) and Ten (Paramount+) are now hybrid networks, able to move acquired sports from free-to-air broadcast to behind a streaming paywall.</p> <p>At present, free-to-air networks cannot be compelled to acquire the rights to any sport, broadcast them if they do, or refrain from on-selling them to a pay platform.</p> <h2>What are the implications for sport and other viewers?</h2> <p>The majority Senate report broadly supported the federal government’s existing <a href="https://minister.infrastructure.gov.au/rowland/media-release/exposure-draft-prominence-regulations-released">exposure draft</a>.</p> <p>Regarding prominence, this means free-to-air channel “tiles” will be highly visible when you turn on a new smart TV. A 12-month phased implementation of a prominence framework was recommended by the committee – and would only apply to new televisions.</p> <p>The committee also broadly accepted the draft bill’s anti-siphoning provisions, which will affect what and where sport is viewed by fans.</p> <p>First, the listed events will be expanded by 30% and incorporate more women’s and parasports. They include the AFLW and NRLW finals, NRLW State of Origin, and the Summer Paralympic Games.</p> <p>To provide counterbalancing benefits to subscription broadcasters, sport events not acquired by a free-to-air broadcaster will become more quickly available to subscription platforms (12 months before an event starts, rather than six months before). This provides subscription platforms with greater lead-in times to plan, organise and promote their content schedules.</p> <p>The most controversial recommendation related to the scope of anti-siphoning laws, affecting how Australian viewers can access sport in the medium term.</p> <p>It supported the government’s position, on grounds of excessive competitive advantage, that anti-siphoning should only apply to terrestrial broadcasting. This excludes digital rights for live streaming through broadcast video on demand apps such as 9Now, Seven+, iView and SBS On Demand.</p> <p>Commercial free-to-air broadcasters called this a “<a href="https://www.mediaweek.com.au/industry-reacts-to-prominence-and-anti-siphoning-findings/">nightmare scenario</a>”, as they <a href="https://www.freetv.com.au/access-to-local-tv-services-and-free-sport-under-threat-unless-laws-are-strengthened/">estimate</a> 50% of households will be watching TV online by 2027.</p> <p>For viewers without televisions connected to aerials, this could make major sport events on free-to-air TV unavailable. Although terrestrial TV is still the most <a href="https://intellectdiscover.com/content/journals/10.1386/jdmp_00098_1">universally available screen sport vehicle</a>, aerials are no longer routinely installed in new housing developments.</p> <p>Research by the <a href="https://www.acma.gov.au/television-research">Australian Communications and Media Authority</a>, though, indicates that free-to-air network claims about disappearing TV aerials are somewhat exaggerated. Nonetheless, as modernisation was a central justification for the anti-siphoning reforms, the strategic compromise over broadcast video on demand apps will inevitably be scrutinised.</p> <p>Notably, in a dissenting minority report, the Greens were unhappy the bill did not go far enough in either prominence or anti-siphoning. They reserved their right to reject it unless suitably amended to guarantee global corporations could not capture Australian sports rights.</p> <h2>What happens next?</h2> <p>The amended bill must pass through Parliament to become law, and its final shape and the fate of any amendments are as yet unknown.</p> <p>While it is widely, though not universally, acknowledged action is needed to protect free screen sport viewing, intense disagreement remains among competing interest groups over what is to be done now and in the future.</p> <p>To safeguard their viewing interests, Australian sport fans will need to watch these formidably technical debates as closely as their favourite sport contests.<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/226499/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /></p> <p><em><a href="https://theconversation.com/profiles/hunter-fujak-290599">Hunter Fujak</a>, Senior Lecturer in Sport Management, <a href="https://theconversation.com/institutions/deakin-university-757">Deakin University</a> and <a href="https://theconversation.com/profiles/david-rowe-16403">David Rowe</a>, Emeritus Professor of Cultural Research, Institute for Culture and Society, <a href="https://theconversation.com/institutions/western-sydney-university-1092">Western Sydney 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/how-much-sport-will-you-be-able-to-watch-for-free-under-proposed-new-australian-broadcast-rules-226499">original article</a>.</em></p>

“Kick in the face”: Why not everyone's happy that Molly’s going home

<p>The recent decision to <a href="https://www.oversixty.com.au/lifestyle/family-pets/molly-the-magpie-is-going-home" target="_blank" rel="noopener">return Molly the magpie</a> to a Gold Coast couple and their two dogs Ruby and Peggy has sparked a contentious debate, which one wildlife advocate <a href="https://au.news.yahoo.com/molly-the-magpie-decision-labelled-a-kick-in-the-face-for-wildlife-carers-040736042.html" target="_blank" rel="noopener">described to Yahoo News</a> as "a kick in the face". Queensland Premier Steven Miles' announcement has divided opinions, stirring anger among wildlife volunteers while receiving overwhelming praise from a vast portion of the public, particularly followers of the popular social media pages featuring Molly.</p> <p>Molly, the magpie turned social media sensation, has captured the hearts of over two million followers on platforms like Facebook, Instagram and YouTube. However, her rise to fame was marred by allegations of being taken from the wild without proper authorisation. The decision to return Molly to Juliette Wells and Reece Mortensen, the couple behind the Peggy and Molly pages, has left wildlife advocates concerned about the message it sends regarding the treatment of wildlife and the enforcement of regulations.</p> <p>Despite the concerns raised by wildlife advocates, the decision to return Molly appears to have widespread public support. Premier Miles' Facebook post announcing Molly's return garnered significant positive feedback, with many expressing joy at the news. However, some questioned the delay in the decision-making process and criticised the handling of the situation by the Department of Environment and Science and its staff.</p> <p>The saga surrounding Molly's return unfolded amid public pressure, fuelled by social media campaigns and posts from Wells herself, <a href="https://www.oversixty.com.au/lifestyle/family-pets/i-miss-my-bestie-new-appeal-after-molly-s-family-left-in-the-dark" target="_blank" rel="noopener">expressing frustration at the lack of response</a> from government officials.</p> <p>The controversy surrounding Molly's return raises broader questions about wildlife rehabilitation, human-animal interactions, and the role of social media in shaping public perception. While Wells maintained that Molly was cared for in a manner consistent with fostering her natural instincts, authorities expressed concerns about the potential negative impact of human habituation on the bird's ability to thrive in the wild.</p> <p>Critics argue that Molly's return sets a dangerous precedent, potentially encouraging others to take wild animals into captivity for social media fame. The financial gains associated with Molly's social media presence certainly raise ethical questions about the commodification of wildlife for entertainment purposes.</p> <p>Amid escalating tensions surrounding the case, calls for civility and respect have been made, urging individuals to engage in constructive dialogue rather than resorting to hostility and abuse. None more powerful than the message coming directly from Molly's adoptive carers:</p> <p>"NO AGGRESSION," Juliette Wells repeatedly said to her followers on Instagram. "Be kind - remember what these 3 best friends have shown the world: Love & acceptance in differences. We all have differences in opinions let’s just voice them in a positive way for this Famous Magpie Molly."</p> <p>While Molly's return may be celebrated by some, it reignites discussions about the ethical treatment of wildlife and the responsibilities of both individuals and authorities in safeguarding native species. </p> <p>But the last word again goes to Wells, who has clearly endured a great deal throughout this entire ordeal – including being "harassed, defamed & bullied"<span style="font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Oxygen, Ubuntu, Cantarell, 'Open Sans', 'Helvetica Neue', sans-serif;">:</span></p> <p>"What a journey to get here," wrote Wells, following the news of Molly's impending return. "Having a hole in our hearts that we never thought would heal. Constantly thinking about this little magpie who was full of life and personality sitting in a cage lost and alone. Our hearts breaking Watching our girls looking around for Molly or out the window for hours waiting to see their best friend again.</p> <p>"Being forced by a certain media outlet to make the announcement before we were ready to deliver it in a mindful way to our millions of supporters.</p> <p>"We have become a meme, an interview question & the topic of conversation around the world.</p> <p>"We have be Harassed, defamed & bullied by a small minority of people.</p> <p>"Suddenly being plunged onto the world stage after the QLD premier stepped in. Constantly Hitting brick walls trying to get answers from the dept about Molly & his whereabouts.</p> <p>"We want to thankyou you the people for your voices , for standing by us & making this happen . The messages , emails , phone calls & thousands of signatures on petitions . The love , support and sheer determination for a cause is what you have done & is what has kept us going . We have shown the world what can be achieved when we work together . We have shown the world this can be achieved with persistence without aggression."</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/C5mEBBbSY2g/?utm_source=ig_embed&utm_campaign=loading" data-instgrm-version="14"> <div style="padding: 16px;"> <div style="display: flex; flex-direction: row; align-items: center;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 40px; margin-right: 14px; width: 40px;"> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 100px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 60px;"> </div> </div> </div> <div style="padding: 19% 0;"> </div> <div style="display: block; height: 50px; margin: 0 auto 12px; width: 50px;"> </div> <div style="padding-top: 8px;"> <div style="color: #3897f0; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: 550; line-height: 18px;">View this post on Instagram</div> </div> <div style="padding: 12.5% 0;"> </div> <div style="display: flex; flex-direction: row; margin-bottom: 14px; align-items: center;"> <div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(0px) translateY(7px);"> </div> <div style="background-color: #f4f4f4; height: 12.5px; transform: rotate(-45deg) translateX(3px) translateY(1px); width: 12.5px; flex-grow: 0; margin-right: 14px; margin-left: 2px;"> </div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(9px) translateY(-18px);"> </div> </div> <div style="margin-left: 8px;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 20px; width: 20px;"> </div> <div style="width: 0; height: 0; border-top: 2px solid transparent; border-left: 6px solid #f4f4f4; border-bottom: 2px solid transparent; transform: translateX(16px) translateY(-4px) rotate(30deg);"> </div> </div> <div style="margin-left: auto;"> <div style="width: 0px; border-top: 8px solid #F4F4F4; border-right: 8px solid transparent; transform: translateY(16px);"> </div> <div style="background-color: #f4f4f4; flex-grow: 0; height: 12px; width: 16px; transform: translateY(-4px);"> </div> <div style="width: 0; height: 0; border-top: 8px solid #F4F4F4; border-left: 8px solid transparent; transform: translateY(-4px) translateX(8px);"> </div> </div> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center; margin-bottom: 24px;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 224px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 144px;"> </div> </div> <p style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; line-height: 17px; margin-bottom: 0; margin-top: 8px; overflow: hidden; padding: 8px 0 7px; text-align: center; text-overflow: ellipsis; white-space: nowrap;"><a style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: normal; line-height: 17px; text-decoration: none;" href="https://www.instagram.com/p/C5mEBBbSY2g/?utm_source=ig_embed&utm_campaign=loading" target="_blank" rel="noopener">A post shared by Peggyandmolly (@peggyandmolly)</a></p> </div> </blockquote> <p><em>Images: Instagram</em></p>

Family & Pets

Molly the Magpie is going home!

<p>Molly the magpie, who captured the hearts of thousands with her unlikely friendship with Peggy the English Staffy, is set to be reunited with her former carers. The saga that ensued following Molly's removal from her home on the Gold Coast <a href="https://www.oversixty.com.au/lifestyle/family-pets/outcry-after-authorities-seize-internet-famous-magpie-from-queensland-family" target="_blank" rel="noopener">sparked outrage and activism</a>, ultimately leading to this joyous moment.</p> <p>The story began when wildlife officials removed Molly from the residence of Reece Mortensen and Juliette Wells on March 1, citing complaints of illegal possession. This decision triggered a wave of support from the community, who were moved by the bond shared between Molly, Peggy, and another dog, Ruby. Videos and photos showcasing the trio's companionship had gained significant attention on social media platforms, turning Molly into an online sensation.</p> <p>Premier Steven Miles initially voiced his support for Molly's return, acknowledging the unique circumstances and the strong emotional bond between the animals. However, as Mortensen and Wells struggled to navigate bureaucratic hurdles in their quest to bring Molly home, frustration mounted. Despite assurances from the Premier, their attempts to seek further assistance <a href="https://www.oversixty.com.au/lifestyle/family-pets/i-miss-my-bestie-new-appeal-after-molly-s-family-left-in-the-dark" target="_blank" rel="noopener">seemed to fall on deaf ears</a>, leaving them feeling abandoned.</p> <p>But just when hope seemed to be dwindling, a surprise announcement came from Premier Miles on Wednesday morning. He revealed that Molly would indeed be returning to her former carers, citing advice from the Department of Environment and Science and Innovation. The necessary arrangements for securing the appropriate license were underway, ensuring that Molly could come home "very soon".</p> <p>“This morning the Department has advised me that the couple can secure the appropriate licence. The team will work with them now to do that,” Miles said in a statement. “It’s good news and means Molly can come home very soon. I’d like to thank everyone who has written to me to share their concerns and advocate for Molly’s return.”</p> <p>This development marks a victory for animal advocacy and grassroots activism. Over 154,000 Australians had signed an online petition calling for Molly's reunion with Peggy, reflecting widespread concern for the emotional wellbeing of both the dog and the magpie. Many saw the situation as an example of "bureaucracy gone mad".</p> <p>As Molly prepares to spread her wings once more in the familiar company of Peggy and Ruby, we cannot wait to see and hear the footage of their upcoming reunion!</p> <p><em>Images: Instagram | Wiki Commons</em></p>

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