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Woman fined after paid car park gets set up around her parked vehicle

Josephine Williams had been leaving her car in a gravel clearing at Westgate in Auckland, alongside other commuters to catch the bus into the city for months. The New Zealand woman was left with a "nasty surprise" when she returned from work on Monday to find a NZ $85 ($77) fine sitting on her windshield. "To my unfortunate surprise - and many others - I was greeted by an $85 parking ticket for a breach and a flyer from Wilson Parking saying paid parking had started that day," Williams told Stuff. "But what breach exactly was made? How was I supposed to know paid parking started that day when there was nothing at all displayed anywhere in the car park?" Williams claimed that the Wilson Parking car park had been set up around her already parked car, even providing dash cam footage that showed her pulling into the gravel clearing at 7.45am, with no paid parking signs or Wilson branding in sight. By 6pm, a large red and white Wilson sign had been put up at the entrance, with "12 hours for $4" written on it. "Wilson deliberately put their sign up sometime after 9am and then took it upon themselves to fine every single car that was already parked there from the morning," Williams said. "$85 is a lot of money - it would have been two weeks' worth of grocery shopping for me," she added. "I'm lucky that I know the law and my rights, but some other people might not. What about students or the elderly or people who don't know English well?" She estimated that there was usually around 50 and 100 cars in the gravel clearing. Wilson argued that the carpark was always there and they had just added more signage, but have since waived Williams' fine after she lodged a request to have it reviewed by Parking Enforcement Services. Wilson Parking also said that they had started to set up the car park and installed a "clear signage" on April 22. "It was not set up around parked cars on 29 April as suggested," a Wilson spokesperson said. "Several payments were made by customers via the Parkmate app from 22 April proving that signage on the site was clear and effective," they said. They added that on April 29 more signs were added to all entry points of the car park. "In acknowledgment of the increased signage added on the 29th at the entry we've made the decision to refund all payments made until 30 April and waive any breach notices issued up to this date." They also denied issuing any breach notices before the signs were put up. "Payment options were available and signed from 22 April - but no infringement notices were issued prior to the 29th." Images: Stuff

Legal

Battling to make ends meet? Financial planning expert offers 5 tips on how to build your budget

<div class="theconversation-article-body"><a href="https://theconversation.com/profiles/bomikazi-zeka-680577">Bomikazi Zeka</a>, <a href="https://theconversation.com/institutions/university-of-canberra-865">University of Canberra</a> Every day seems to bring new headlines about rising costs. <a href="https://www.news24.com/news24/africa/news/nigerias-big-unions-call-indefinite-strike-over-fuel-prices-and-the-cost-of-living-20230926">In Nigeria</a>, unions are threatening to strike amid soaring fuel prices; the country’s inflation rate <a href="https://www.cbn.gov.ng/rates/inflrates.asp">hit 25%</a> in August. The amount it costs to fill a food basket in South Africa <a href="https://pmbejd.org.za/wp-content/uploads/2023/09/PMBEJD_Key-Data_September-2023_27092023.pdf">keeps climbing</a>. Ghanaians <a href="https://www.reuters.com/world/africa/multi-day-protests-over-economic-crisis-grip-ghanas-capital-2023-09-23/">took to the streets</a> of Accra in late September to protest about the cost of living. A <a href="https://www2.deloitte.com/us/en/insights/industry/retail-distribution/consumer-behavior-trends-state-of-the-consumer-tracker.html">recent study by the audit and consulting firm Deloitte</a> found that 75% of South Africans were concerned that the prices for everyday purchases would continue to increase, while 80% of consumers across all income groups expected the prices of groceries, household utilities and fuel to rise. This stark reality means budgeting may be more necessary than ever. If you don’t know how to create a budget, then you shouldn’t feel bad – most adults aren’t taught how to create one. And most people don’t budget, because they see it as restrictive or unsustainable. But it need not be: once you appreciate that a budget can work for you, it can be a financially empowering exercise. It’s a cornerstone of financial planning because it ensures you are living within your means and helps you remain in financial control. As a financial planning academic, I focus in <a href="https://researchprofiles.canberra.edu.au/en/persons/bomikazi-zeka/publications/">my research</a> on improving financial wellbeing and promoting savings behaviours through interventions such as budgeting. Here are five guidelines for creating a budget. <h2>1. Apps vs spreadsheet</h2> A good place to start is to choose the format of how you’re going to budget. There are several <a href="https://www.sanlamreality.co.za/wealth-sense/setting-up-a-family-budget-that-works/">online templates</a> and apps you can use for budgeting. For instance, <a href="https://www.22seven.com/">22Seven</a> has gained popularity in South Africa due to its compatibility with several financial institutions, including the country’s big five banks. Similarly, <a href="https://www.the-star.co.ke/business/kenya/2021-01-25-budgeting-using-mint-app/">Mint</a> is a popular budgeting tool that is used in Kenya and Nigeria. If you prefer to put pen to paper, some online templates come with <a href="https://www.wonga.co.za/blog/free-budget-template">free printable budgets</a>. Creating your own <a href="https://create.microsoft.com/en-us/learn/articles/how-to-make-excel-budget">Excel spreadsheet</a> is an equally good approach. What matters most is using a tool that you can commit to. <h2>2. Itemising your income and expenses</h2> A budget essentially shows how much you’re spending in relation to how much you’re earning. So once you have selected your budgeting tool, you need to fill in your income and itemise how much you’re spending on each expense in a month. A budget can be considered a cashflow statement because it allows you to track money coming in (income) and money going out (expenses). If you are living within your means, your budget should indicate a surplus – more cash inflows than cash outflows. So budgeting provides an accurate account of your short-term financial position. <h2>3. A realistic account of expenses</h2> When you look at your financial statements, fill your expenses into your budget honestly and accurately. Don’t cheat! Since everyone’s financial situation is different, your budget will also be unique. Even though there is no one-size-fits-all approach to budgeting, it should still consider all of your expenses (both regular and intermittent). A general rule of thumb is that if it’s deducted from your account then you should treat it as an expense. This includes payments for housing, medical insurance, fuel, dining out, credit card repayments and even bank fees. <h2>4. Save first, spend later</h2> Now you’ve seen how much you’re spending. Either it’s too much – and you can plan where to cut back – or you have savings at the end of the month. When compiling your budget it’s important to demarcate how much will be in the form of savings. What’s more important is getting into the habit of saving before you spend instead of saving after spending. If you spend first then you’ve deprived yourself of the opportunity to save for a rainy day. Furthermore, <a href="https://eprints.hud.ac.uk/id/eprint/10231/1/Microsoft_Word_-_submitted_version_3rd_June_201.pdf">research</a> has shown that getting into the habit of saving has a transgenerational effect: it can be considered a cultural value that is passed on from one generation to another. So think of saving as paying yourself first. Once you have done so, you won’t feel guilty for treating yourself because you’ve already done the financially responsible thing by putting your savings aside. <h2>5. Considering assets and liabilities</h2> Once you’ve become comfortable with consistently budgeting, you can take it up a notch by including your assets (everything you own with an economic value) and liabilities (everything you owe) to determine your overall financial position. You can get a clearer picture of your overall financial wellbeing by compiling a list of all your assets, for example your savings and <a href="https://www.investopedia.com/terms/h/home_equity.asp">home equity</a>, in relation to liabilities (such as bank loans). Knowing your long-term financial position can indicate how financially resilient or vulnerable you are. In the event of a financial emergency, you will know which resources you can draw upon to meet an unexpected expense. By creating a budget (and sticking to it), you can protect yourself and your household from financial shocks. Consider the alternative. Imagine you haven’t budgeted and set savings aside. If a financial emergency were to arise, your next best bet would be to borrow the funds you need. You’d have to come up with a plan to repay what you’d borrowed while also building your savings. <h2>A healthy habit</h2> Getting into the habit of budgeting isn’t easy, especially if you haven’t done it before or you’re intimidated by the process. But, as the expression goes, “a journey of a thousand miles begins with a single step”. Think of budgeting as taking a small but important step towards reclaiming control over your finances and improving your financial well-being.<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/214861/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/bomikazi-zeka-680577">Bomikazi Zeka</a>, Assistant Professor in Finance and Financial Planning, <a href="https://theconversation.com/institutions/university-of-canberra-865">University of Canberra</a> Image credits: Getty Images This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/battling-to-make-ends-meet-financial-planning-expert-offers-5-tips-on-how-to-build-your-budget-214861">original article</a>. </div>

Money & Banking

Stamp duty is holding us back from moving homes – we’ve worked out how much

<div class="theconversation-article-body"><a href="https://theconversation.com/profiles/nick-garvin-1453835">Nick Garvin</a>, <a href="https://theconversation.com/institutions/macquarie-university-1174">Macquarie University</a> If just one state of Australia, New South Wales, scrapped its stamp duty on real-estate transactions, about 100,000 more Australians would move homes each year, according to our <a href="https://e61.in/wp-content/uploads/2024/02/Stamp-duty-effects-on-purchases-and-moves.pdf">best estimates</a>. Stamp duty is an unquestioned part of buying a home in Australia – you put your details in an online mortgage calculator, and stamp duty is automatically deducted from the amount you have to contribute. It’s easy to overlook how much more affordable a home would be without it. That means it’s also easy to overlook how much more Australians would buy and move if stamp duty wasn’t there. The 2010 Henry Tax Review found stamp duty was <a href="https://treasury.gov.au/sites/default/files/2019-10/afts_final_report_part_2_vol_1_consolidated.pdf">inequitable</a>. It taxes most the people who most need to or want to move. The review reported: "Ideally, there would be no role for any stamp duties, including conveyancing stamp duties, in a modern Australian tax system. Recognising the revenue needs of the States, the removal of stamp duty should be achieved through a switch to more efficient taxes, such as those levied on broad consumption or land bases." But does stamp duty actually stop anyone moving? It’s a claim more often made than assessed, which is what our team at the <a href="https://e61.in/wp-content/uploads/2024/02/Stamp-duty-effects-on-purchases-and-moves.pdf">e61 Institute</a> set out to do. We used real-estate transaction data and a natural experiment. <h2>What happened when Queensland hiked stamp duty</h2> In 2011, Queensland hiked stamp duty for most buyers by removing some concessions for owner-occupiers at short notice. For owner-occupiers it increased stamp duty by about one percentage point, lifting the average rate from 1.26% of the purchase price to 2.27%. What we found gives us the best estimate to date of what stamp duty does to home purchases. A one percentage point increase in stamp duty causes the number of home purchases to decline by 7.2%. The number of moves (changes of address) falls by about as much. The effect appears to be indiscriminate. Purchases of houses fell about as much as purchases of apartments, and purchases in cities fell about as much as purchases in regions. Moves between suburbs and moves interstate dropped by similar rates. With NSW stamp duty currently averaging about <a href="https://conveyancing.com.au/need-to-know/stamp-duty-nsw">3.5%</a> of the purchase price, our estimates suggest there would be about 25% more purchases and moves by home owners if it were scrapped completely. That’s 100,000 moves. Victoria’s higher rate of stamp duty, about <a href="https://www.sro.vic.gov.au/rates-taxes-duties-and-levies/general-land-transfer-duty-property-current-rates">4.2%</a>, means if it was scrapped there would be about 30% more purchases. That’s another 90,000 moves. <h2>Even low headline rates have big effects</h2> The big effect from small-looking headline rates ought not to be surprising. When someone buys a home, they typically front up much less cash than the purchase price. While stamp duty seems low as a percentage of the purchase price, it is high as a percentage of the cash the buyer needs to find. Here’s an example. If stamp duty is 4% of the purchase price, and a purchaser pays $800,000 for a property with a mortgage deposit of $160,000, the $32,000 stamp duty adds 20%, not 4%, to what’s needed. If the deposit takes five years to save, stamp duty makes it six. A similar thing happens when an owner-occupier changes address. If the buyer sells a fully owned home for $700,000 and buys a new home for $800,000, the upgrade ought to cost them $100,000. A 4% stamp duty lifts that to $132,000. Averaged across all Australian cities, stamp duty costs about <a href="https://e61.in/wp-content/uploads/2024/02/Stepped-on-by-Stamp-Duty.pdf">five months</a> of after-tax earnings. In Sydney and Melbourne, it’s six. <h2>Stamp duty has bracket creep</h2> This cost has steadily climbed from around <a href="https://e61.in/wp-content/uploads/2024/02/Stepped-on-by-Stamp-Duty.pdf">six weeks</a> of total earnings in the 1990s. It has happened because home prices have climbed faster than incomes and because stamp duty has brackets, meaning more buyers have been pushed into higher ones. Replacing the stamp duty revenue that states have come to rely on would not be easy, but a switch would almost certainly help the economy function better. The more that people are able to move, the more they will move to jobs to which they are better suited, boosting productivity. The more that people downsize when they want to, the more housing will be made available for others. Our findings suggest the costs are far from trivial, making a switch away from stamp duty worthwhile, even if it is disruptive and takes time.<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/225773/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/nick-garvin-1453835">Nick Garvin</a>, Adjunct Fellow, Department of Economics, <a href="https://theconversation.com/institutions/macquarie-university-1174">Macquarie University</a> Image credits: Getty Images This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/stamp-duty-is-holding-us-back-from-moving-homes-weve-worked-out-how-much-225773">original article</a>. </div>

Money & Banking

Police accused of "straight up revenue raising" after controversial act

New South Wales Police has been called out for the controversial way an officer hid to catch unsuspecting motorists during the double demerits public holiday over the Anzac Day weekend. Motoring journalist David McCowen accused the police of "straight up revenue raising" after capturing a video of an unmarked police car blocking a busy cycle path in a “hidden” spot on the Alfords Point Bridge in Sydney’s southwest on Sunday. “This is bulls**t,” McCowen said in the clip which has been viewed more than 500,000 times. “This is a highway patrol dude that is blocking a cycleway and running path here at Alfords Point Bridge between St George and Sutherland Shire, trying to book people hidden behind a concrete wall in an unmarked car on a double demerits weekend on a long downhill descent on a bridge." “That’s just crap. That is not serving the community. That is straight up revenue raising and I’m not about it. You can’t see him.” <div class="embed" style="font-size: 16px; box-sizing: inherit; margin: 0px; padding: 0px; border: 0px; vertical-align: baseline; outline: currentcolor !important;"><iframe class="embedly-embed" style="box-sizing: inherit; margin: 0px; padding: 0px; border-width: 0px; border-style: none; vertical-align: baseline; width: 600px; max-width: 100%; outline: currentcolor !important;" title="tiktok embed" src="https://cdn.embedly.com/widgets/media.html?src=https%3A%2F%2Fwww.tiktok.com%2Fembed%2Fv2%2F7362726836784205074&display_name=tiktok&url=https%3A%2F%2Fwww.tiktok.com%2F%40davemotoring%2Fvideo%2F7362726836784205074&image=https%3A%2F%2Fp16-sign-sg.tiktokcdn.com%2Fobj%2Ftos-alisg-p-0037%2Fac9931ef2d86483a85d43e726da22594_1714268444%3Fx-expires%3D1714532400%26x-signature%3DzVrZCNweB4EiqQwi%252BTl1M3l7ThE%253D&key=59e3ae3acaa649a5a98672932445e203&type=text%2Fhtml&schema=tiktok" width="340" height="700" frameborder="0" scrolling="no" allowfullscreen="allowfullscreen"></iframe></div> He added that “what you can see though” was how dozens of people had marked the location of “this bloke that’s trying to rip you off” on the popular navigation app Waze. “That is a cool thing,” he said. The video quickly raked in hundreds of comments condemning the "hypocritical" police behaviour, with one person writing, “Isn’t that a parking violation?” Another woman said, “My husband got a $300 fine recently for ‘park on footpath/verge’. Old mate should issue himself the same fine.” “It’s why people have lost respect for police,” one person added. While most people were frustrated by the police officer's act, others sided with law enforcement, as one person said, “If you live in the area you already know not to speed there,” one said. “He’s hidden for a reason, the amount of people that slow down then speed up again. It's not safe." Image credits: TikTok

Legal

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

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. 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. 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. “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. “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." Mr Albanese spoke about some of the actions his government had taken to address the problem, including the introduction of domestic violence payments. A protester interrupted, saying “it’s not enough”. The prime minister replied, “I agree it’s not enough. I said that. We need to do more.” 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. “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.” 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. In his speech in the afternoon, Mr Albanese suggested he had asked the rally organisers for permission to speak but had been knocked back. “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. “And that’s fine, we respect the organisers’ right to do that.” However, Ms Williams took to social media after the event to say the Prime Minister had "lied to the country". “The Prime Minister of Australia lied to his country today,” she began. “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.” “He never asked to speak. For him to not only demand he speak because he was being heckled, but lie was disgraceful." “He demonstrated today what entitlement looks like. A man with power trying to diminish a vulnerable young woman.” 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. 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. “Why are you even here?” one protester yelled from the crowd. “Shame on you,” shouted another. Image credits: Getty Images / Instagram

Caring

Insider spills on Robert Irwin's plans for I'm a Celeb

Robert Irwin received rave reviews for his co-hosting skills alongside Julia Morris on this year's I'm a Celebrity...Get Me Out of Here, but an insider has claimed that he won't be returning for another season. "His easygoing and faultless live TV skills have won over the nation. But his career at Ten will only be short-lived, and he is heading back to Seven," a source told Woman's Day. The negotiation is believed to have been orchestrated by the ultimate "mumager" Terri Irwin. "The Irwins are very smart when it comes to negotiations," the insider added. The source also claimed that Robert's decision to join I'm a Celebrity was seen as a one-off opportunity to elevate his television profile - which he has achieved after bringing fresh energy into the show. Channel Seven is reportedly keen to welcome Robert back with a massive deal, according to the source. "Seven want Robert back and have thrown a king's ransom at him," they said. If the deal goes through, Julia Morris will have to find a new partner to head to the jungle with. Many fans have praised Robert for bringing some fun into the jungle. "I have not ever been keen on watching this show but Robert you have brought some class and good honest fun to the jungle. Thank you," one fan wrote under a clip of the show's grand finale that Robert posted on his Instagram. "How awesome was Robert? This gig was like it was made for him. What a natural," another added. "Best year of I'm a Celebrity, and it was because you added something to the show as Co-Host. Brilliant job for somebody with no experience but with a lot to give," commented a third. Images: Instagram

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

The Project 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. 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. 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. On Monday night's episode of The Project, 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." 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 The Project's own struggle with disruptive babies, all while criticising Arj Barker for his comedic inconvenience. “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. “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. “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. <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> </div> </blockquote> Meanwhile, over at A Current Affair, 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. 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. 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. Images: The Project

Two-up, Gallipoli and the ‘fair go’: why illegal gambling is at the heart of the Anzac myth

<div class="theconversation-article-body"><a href="https://theconversation.com/profiles/bruce-moore-291912">Bruce Moore</a>, <a href="https://theconversation.com/institutions/australian-national-university-877">Australian National University</a> Two-up is an Australian gambling game in which two coins are placed on a small piece of wood called a “kip” and tossed into the air. Bets are laid as to whether both coins will fall with heads or tails uppermost. It is one of the core activities of Anzac Day celebrations - and a beloved tradition. The word <a href="https://www.britannica.com/topic/ANZAC">ANZAC</a> was created in 1915 as an acronym from Australian and New Zealand Army Corps. By 1916 it was being used emblematically to reflect the traditional view of the virtues displayed by those in the <a href="https://www.britannica.com/event/Gallipoli-Campaign">Gallipoli campaign</a>, especially as these are seen as national characteristics. This cluster of national characteristics includes mateship, larrikin daredevilry, anti-authoritarianism, and egalitarianism. The game of two-up became indicative of these qualities. Mateship was evident in the way the game brought together people of disparate backgrounds. Larrikinism was evident in the defiant rejection of authority and convention. Two-up was always illegal, because the game is an unregulated form of gambling (although from the 1980s it became legal in most Australian states on Anzac Day). But in spite of the illegality, it was widely regarded as the fairest of gambling games, and at the time of the First World War the verbal command for the coins to be spun was not “come in spinner” (as it is now) but “fair go”. Indeed, the important Australian concept of the “fair go” was in part cemented by its role in the game. Two-up was the common pastime of the urban working-class man, and it feeds into the elements of egalitarianism and anti-authoritarianism that are central to both the Anzac myth and the Australian myth. <figure class="align-center zoomable"><a href="https://images.theconversation.com/files/458543/original/file-20220419-17-6mgarp.jpg?ixlib=rb-4.1.0&q=45&auto=format&w=1000&fit=clip"><img src="https://images.theconversation.com/files/458543/original/file-20220419-17-6mgarp.jpg?ixlib=rb-4.1.0&q=45&auto=format&w=754&fit=clip" sizes="(min-width: 1466px) 754px, (max-width: 599px) 100vw, (min-width: 600px) 600px, 237px" srcset="https://images.theconversation.com/files/458543/original/file-20220419-17-6mgarp.jpg?ixlib=rb-4.1.0&q=45&auto=format&w=600&h=466&fit=crop&dpr=1 600w, https://images.theconversation.com/files/458543/original/file-20220419-17-6mgarp.jpg?ixlib=rb-4.1.0&q=30&auto=format&w=600&h=466&fit=crop&dpr=2 1200w, https://images.theconversation.com/files/458543/original/file-20220419-17-6mgarp.jpg?ixlib=rb-4.1.0&q=15&auto=format&w=600&h=466&fit=crop&dpr=3 1800w, https://images.theconversation.com/files/458543/original/file-20220419-17-6mgarp.jpg?ixlib=rb-4.1.0&q=45&auto=format&w=754&h=585&fit=crop&dpr=1 754w, https://images.theconversation.com/files/458543/original/file-20220419-17-6mgarp.jpg?ixlib=rb-4.1.0&q=30&auto=format&w=754&h=585&fit=crop&dpr=2 1508w, https://images.theconversation.com/files/458543/original/file-20220419-17-6mgarp.jpg?ixlib=rb-4.1.0&q=15&auto=format&w=754&h=585&fit=crop&dpr=3 2262w" alt="" /></a><figcaption>Two original 1915 Australian pennies in a kip from which they are tossed. Roland Scheicher/ Wikimedia</figcaption></figure> <h2>Two-up and wartime life</h2> From the very early period of the First World War, two-up assumed great importance among the Australian troops. Soldiers reported that two-up was played on the battlefield during the Gallipoli campaign, even when under shellfire. As the war dragged on, numerous stories were told about Australian soldiers’ obsession with playing it. In 1918 the <a href="https://www.awm.gov.au/collection/P10676229">war correspondent Charles Bean</a> studied the daily life of a company of Australian soldiers stationed at a brewery in Querrieu in northern France. He places great emphasis on two-up, writing in his diary in 1918: "Two-up’ is the universal pastime of the men. … It is a game which starts in any quarter of an hour’s interval or lasts the whole afternoon. The side road outside becomes every evening a perfect country fair with groups playing these games in it - a big crowd of 70 or 80 at the bottom the street, in the middle of the road; a smaller crowd of perhaps twenty on a doorstep further up. … The game is supposed to be illegal, I think; but at any rate in this company they wink at it." Two-up was important not just in taking soldiers’ minds off the realities of the war, but also in creating a strong sense of community. Photographs from the war that show the men playing two-up reveal how it brought them together physically in a communal activity. This helps explains why men, who in civilian life may have had little or no interest in gambling, joined in the camaraderie and fun of the two-up fair, and by so doing blotted out the boredom, isolation, and loneliness of much wartime experience. <h2>Anzac Day and tradition</h2> Playing two-up became an integral part of the diggers’ memories of the experience of war, especially when commemorated on Anzac Day. By the 1930s the playing of two-up outdoors after the Anzac Day march had become an entrenched tradition. As the ranks of diggers from the two world wars declined, so the structure of Anzac Day changed in emphasis. In recent years the Dawn Service has increased greatly in popularity, while the Anzac Day march has <a href="https://www.abc.net.au/news/2019-04-07/concern-over-australias-dwindling-number-of-world-war-veterans/10911602">suffered from dwindling numbers</a> of veterans. The streets of Sydney and similar cities are no longer dotted with two-up games in the afternoon. The games have shifted to pubs and clubs, and they are largely played by people with no experience of war. Those people who play the game on this day do so not for any deep-seated gambling impulse or because they would love to play the game on every other day of the year. They play two-up because it has become part of the meaning of Anzac Day. Anzac Day has always combined solemnity and festivity. The Dawn Service commemorates the landing at Gallipoli, and the sacrifices that ensued. Its mood is solemn. In the past, returned soldiers reminisced, told war yarns, drank, and played two-up. The soldiers have passed on, but their larrikinism survives in the tradition of the game they have bequeathed to their descendants. We should not underestimate the significance of rituals of this kind—the playing of two-up is a way in which Australians can become not just observers of, but participants in, their history and their myths. Two-up is a ritual that links the present with the past on this one day of the year.<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/181337/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/bruce-moore-291912">Bruce Moore</a>, Honorary Associate Professor in the School of Literature, Languages, and Linguistics, <a href="https://theconversation.com/institutions/australian-national-university-877">Australian National University</a> Image credits: Getty Images This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/two-up-gallipoli-and-the-fair-go-why-illegal-gambling-is-at-the-heart-of-the-anzac-myth-181337">original article</a>. </div>

Money & Banking

World's most expensive house up for sale

A French chateau, once owned by a member of the Rothschild family and, later on, the King of Morocco, has gone up for sale with a £363 million (AU$699) price tag. Chateau d’Armainvilliers located at Seine-et-Marne, 48km east of the Eiffel Tower, is the world's most expensive home. Built upon the foundations of a 12th century castle, the sprawling mansion boasts 1,000 hectares of land, 100 rooms across 2,500 square metres of living space, a private lake, and plenty of sequoia trees - the largest trees in the world. Ignace Meuwissen, a self-acclaimed "real estate advisor to the global elite" described the property as a display of "opulence and grandeur". "It is the most expensive castle in France and perhaps in the world. The price of €425million is justified by the property itself but also by the 1,000 hectare land which offers numerous possibilities," he told Paris Match magazine. "An investor could build thousands of apartments there if he wanted." The chateau was first bought by the Rothschild banking empird in the late 19th century, before King Hassan II of Morocco bought it in the 1980s. He then made the chateau more fit for a king, adding a hammam spa, a beauty and hairdressing salon, and a fully-equipped medical and dental facility. The Moroccan King also added a basement level, which has a network of tunnels, kitchens, cold rooms, storage spaces and staff quarters. The lucky owner will also find Moroccan mosaics and wall tiles decorating the home, and for any avid equestrians, the home also has a stable big enough for 50 horses. However, some luxury property agents have expressed their doubts on whether the property would sell with its nine-figure sum, with one saying it was an "unrealistic" price tag. "It doesn’t make sense, it’s absurd Properties of this type could sell for 20-25 million, or even 30 million if we really fall in love with them. I’m not even sure that Vaux-le-Vicomte (a Baroque French château), which has no marketing plans, would sell at this price," one agent told French real estate publication Le Figaro Immobilier. Others were unsure whether the changes made by the King in the 1980s would suit modern tastes. Images: Whisper Auctions

Real Estate

Woolies faces up to $10b fine after pleading guilty to 1000 charges

In what seems like a cascade of misfortune for Woolworths, the retail giant has found itself embroiled in yet another controversy. A week fraught with bad press took a turn for the worse when outgoing CEO Brad Banducci <a href="https://www.oversixty.com.au/finance/legal/last-chance-mr-banducci-woolies-ceo-threatened-with-jail-time" target="_blank" rel="noopener">faced the threat of jail time</a> for his refusal to address questions in a Senate inquiry probing supermarket price gouging. Now, the company is grappling with the repercussions of admitting to underpaying over a thousand former Victorian employees for their long service leave entitlements. The admission, made in a Melbourne court, revealed that Woolworths fell short in compensating at least 1,235 former workers, amounting to a staggering $1.24 million in underpayments spanning from November 2018 to January 2023. While some employees were owed only modest sums, others were deprived of significant entitlements, with figures reaching up to $12,000 in the most severe cases. The Melbourne Magistrates' Court learned that Woolworths, alongside its related company Woolstar, breached Victoria's Long Service Leave Act on a startling 1,227 occasions. The revelation came to light during an internal audit of the company's IT systems, prompting Woolworths to self-report the discrepancies to Victoria's Wage Inspectorate. Woolworths' barrister, Saul Holt KC, highlighted the company's commitment to rectifying the situation, after discovering the discrepancies during an audit of its IT systems and self-reporting it to Victoria's Wage Inspectorate. "That's just the right thing to do," he said. However, the gravity of the breaches places Woolworths at risk of facing a potentially astronomical fine, with a theoretical maximum exceeding $10.25 billion. While such a penalty could spell financial catastrophe for many, including a corporate behemoth like Woolworths, legal experts suggest that a more realistic figure would be capped at approximately $480,000, in line with typical penalties in Victorian magistrates courts. The magistrate presiding over the case, Nahrain Warda, has deferred her decision until Wednesday, April 24, leaving Woolworths in a state of uncertainty. In addition to the impending financial penalty, Kathleen Crennan, representing the Wage Inspectorate of Victoria, advocated for Woolworths to be convicted, denouncing the underpayments as inexcusable. "There's really no excuse for this to have happened in the first place," she said. In the face of mounting legal challenges and public scrutiny, Woolworths' reputation as an employer is under scrutiny. Despite assertions of being an "exemplary employer", founded on principles dating back to 1924, the company's track record is marred by repeated instances of underpayment scandals. As Woolworths awaits the magistrate's verdict and braces for the fallout from its legal battles, the spectre of underpayment casts a long shadow over the company's corporate governance and raises broader questions about accountability within the retail industry. Images: Woolworths

Legal

"I am lucky to be here": Julie Goodwin opens up on childhood trauma

Julie Goodwin has opened up about the childhood abuse she experienced in her latest memoir. The 53-year-old MasterChef Australia star wrote about how she was sexually abused as a child and later attempted suicide as a teenager in her autobiography, Your Time Starts Now. Speaking to The Australian Women's Weekly, Goodwin recalled how the memory of the abuse which she had buried for a long time returned when she was 16. "Nothing triggered it, it was just like the memory was always there, like a dusty book on a library shelf," she said. "And one day I took it down and looked at it and went, 'Holy crap, how have I not thought about that for nine years?'" Goodwin, however kept the resurfaced memory to her self and maintained an excellent academic record at high school, even becoming school captain, until a year later when she attempted suicide at the age of 17. She shared that following her hospitalisation, she returned to school a few days later and acted as if nothing serious had happened. The TV star then opened up on her road to recovery and the tremendous amount of help she received from her husband Mick, who gave her the love and support she needed. "I am living my second life," she told Women's Weekly. "I am lucky to be here." Images: Channel 10

Books

Australian Idol host opens up on painful health battle

Australian Idol host and singer Ricki-Lee Coulter has revealed that she has been battling endometriosis for over a decade. 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. "For over a decade I’ve been dealing with chronic pain that has progressively gotten worse,” she began the post. “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. “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. “But the past couple of years, it has become almost unbearable and is something I’ve been dealing with every single day. “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. “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. “I’m now at home recovering and feeling good. Rich is taking very good care of me xxx," she ended the post. She also shared a few photos after her surgery, and of her recovering at home. 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. 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. “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.” “Sending lots of love,” Sunrise host Natalie Barr added. “Sending you so much love. Been where you are now and it gets so much better honey,” wrote Jackie O. Images: Instagram

Caring

Surgery won’t fix my chronic back pain, so what will?

<a href="https://theconversation.com/profiles/christine-lin-346821">Christine Lin</a>, <a href="https://theconversation.com/institutions/university-of-sydney-841">University of Sydney</a>; <a href="https://theconversation.com/profiles/christopher-maher-826241">Christopher Maher</a>, <a href="https://theconversation.com/institutions/university-of-sydney-841">University of Sydney</a>; <a href="https://theconversation.com/profiles/fiona-blyth-448021">Fiona Blyth</a>, <a href="https://theconversation.com/institutions/university-of-sydney-841">University of Sydney</a>; <a href="https://theconversation.com/profiles/james-mcauley-1526139">James Mcauley</a>, <a href="https://theconversation.com/institutions/unsw-sydney-1414">UNSW Sydney</a>, and <a href="https://theconversation.com/profiles/mark-hancock-1463059">Mark Hancock</a>, <a href="https://theconversation.com/institutions/macquarie-university-1174">Macquarie University</a> This week’s ABC Four Corners episode <a href="https://www.abc.net.au/news/2024-04-08/pain-factory/103683180">Pain Factory</a> highlighted that our health system is failing Australians with chronic pain. Patients are receiving costly, ineffective and risky care instead of effective, low-risk treatments for chronic pain. The challenge is considering how we might reimagine health-care delivery so the effective and safe treatments for chronic pain are available to millions of Australians who suffer from chronic pain. <a href="https://www.aihw.gov.au/getmedia/10434b6f-2147-46ab-b654-a90f05592d35/aihw-phe-267.pdf.aspx">One in five</a> Australians aged 45 and over have chronic pain (pain lasting three or more months). This costs an estimated <a href="https://www.aihw.gov.au/getmedia/10434b6f-2147-46ab-b654-a90f05592d35/aihw-phe-267.pdf.aspx">A$139 billion a year</a>, including $12 billion in direct health-care costs. The most common complaint among people with chronic pain is low back pain. So what treatments do – and don’t – work? <h2>Opioids and invasive procedures</h2> Treatments offered to people with chronic pain include strong pain medicines such as <a href="https://pubmed.ncbi.nlm.nih.gov/30561481/">opioids</a> and invasive procedures such as <a href="https://pubmed.ncbi.nlm.nih.gov/36878313/">spinal cord stimulators</a> or <a href="https://onlinelibrary.wiley.com/doi/full/10.1111/imj.14120">spinal fusion surgery</a>. Unfortunately, these treatments have little if any benefit and are associated with a risk of significant harm. <a href="https://bmchealthservres.biomedcentral.com/articles/10.1186/s12913-021-06900-8">Spinal fusion surgery</a> and <a href="https://privatehealthcareaustralia.org.au/consumers-urged-to-be-cautious-about-spinal-cord-stimulators-for-pain/#:%7E:text=Australian%20health%20insurance%20data%20shows,of%20the%20procedure%20is%20%2458%2C377.">spinal cord stimulators</a> are also extremely costly procedures, costing tens of thousands of dollars each to the health system as well as incurring costs to the individual. <h2>Addressing the contributors to pain</h2> Recommendations from the latest <a href="https://www.safetyandquality.gov.au/standards/clinical-care-standards/low-back-pain-clinical-care-standard">Australian</a> and <a href="https://www.who.int/publications/i/item/9789240081789">World Health Organization</a> clinical guidelines for low back pain focus on alternatives to drug and surgical treatments such as: <ul> <li>education</li> <li>advice</li> <li>structured exercise programs</li> <li>physical, psychological or multidisciplinary interventions that address the physical or psychological contributors to ongoing pain.</li> </ul> Two recent Australian trials support these recommendations and have found that interventions that address each person’s physical and psychological contributors to pain produce large and sustained improvements in pain and function in people with chronic low back pain. The interventions have minimal side effects and are cost-effective. In the <a href="https://jamanetwork.com/journals/jama/fullarticle/2794765">RESOLVE</a> trial, the intervention consists of pain education and graded sensory and movement “retraining” aimed to help people understand that it’s safe to move. In the <a href="https://pubmed.ncbi.nlm.nih.gov/37146623/">RESTORE</a> trial, the intervention (cognitive functional therapy) involves assisting the person to understand the range of physical and psychological contributing factors related to their condition. It guides patients to relearn how to move and to build confidence in their back, without over-protecting it. <h2>Why isn’t everyone with chronic pain getting this care?</h2> While these trials provide new hope for people with chronic low back pain, and effective alternatives to spinal surgery and opioids, a barrier for implementation is the out-of-pocket costs. The interventions take up to 12 sessions, lasting up to 26 weeks. One physiotherapy session <a href="https://www.sira.nsw.gov.au/__data/assets/pdf_file/0005/1122674/Physiotherapy-chiropractic-and-osteopathy-fees-practice-requirements-effective-1-February-2023.pdf">can cost</a> $90–$150. In contrast, <a href="https://www.servicesaustralia.gov.au/chronic-disease-individual-allied-health-services-medicare-items">Medicare</a> provides rebates for just five allied health visits (such as physiotherapists or exercise physiologists) for eligible patients per year, to be used for all chronic conditions. Private health insurers also limit access to reimbursement for these services by typically only covering a proportion of the cost and providing a cap on annual benefits. So even those with private health insurance would usually have substantial out-of-pocket costs. Access to trained clinicians is another barrier. This problem is particularly evident in <a href="https://www.ruralhealth.org.au/15nrhc/sites/default/files/B2-1_Bennett.pdf">regional and rural Australia</a>, where access to allied health services, pain specialists and multidisciplinary pain clinics is limited. Higher costs and lack of access are associated with the increased use of available and subsidised treatments, such as pain medicines, even if they are ineffective and harmful. The <a href="https://www.safetyandquality.gov.au/publications-and-resources/resource-library/data-file-57-opioid-medicines-dispensing-2016-17-third-atlas-healthcare-variation-2018">rate of opioid use</a>, for example, is higher in regional Australia and in areas of socioeconomic disadvantage than metropolitan centres and affluent areas. <h2>So what can we do about it?</h2> We need to reform Australia’s health system, private and <a href="https://www.health.gov.au/sites/default/files/documents/2020/12/taskforce-final-report-pain-management-mbs-items-final-report-on-the-review-of-pain-management-mbs-items.docx">public</a>, to improve access to effective treatments for chronic pain, while removing access to ineffective, costly and high-risk treatments. Better training of the clinical workforce, and using technology such as telehealth and artificial intelligence to train clinicians or deliver treatment may also improve access to effective treatments. A recent Australian <a href="https://pubmed.ncbi.nlm.nih.gov/38461844/">trial</a>, for example, found telehealth delivered via video conferencing was as effective as in-person physiotherapy consultations for improving pain and function in people with chronic knee pain. Advocacy and <a href="https://pubmed.ncbi.nlm.nih.gov/37918470/">improving the public’s understanding</a> of effective treatments for chronic pain may also be helpful. Our hope is that coordinated efforts will promote the uptake of effective treatments and improve the care of patients with chronic pain.<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/227450/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/christine-lin-346821">Christine Lin</a>, Professor, <a href="https://theconversation.com/institutions/university-of-sydney-841">University of Sydney</a>; <a href="https://theconversation.com/profiles/christopher-maher-826241">Christopher Maher</a>, Professor, Sydney School of Public Health, <a href="https://theconversation.com/institutions/university-of-sydney-841">University of Sydney</a>; <a href="https://theconversation.com/profiles/fiona-blyth-448021">Fiona Blyth</a>, Professor, <a href="https://theconversation.com/institutions/university-of-sydney-841">University of Sydney</a>; <a href="https://theconversation.com/profiles/james-mcauley-1526139">James Mcauley</a>, Professor of Psychology, <a href="https://theconversation.com/institutions/unsw-sydney-1414">UNSW Sydney</a>, and <a href="https://theconversation.com/profiles/mark-hancock-1463059">Mark Hancock</a>, Professor of Physiotherapy, <a href="https://theconversation.com/institutions/macquarie-university-1174">Macquarie University</a> Image credits: Getty Images This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/surgery-wont-fix-my-chronic-back-pain-so-what-will-227450">original article</a>.

Body

Loyalty programs may limit competition, and they could be pushing prices up for everyone

<a href="https://theconversation.com/profiles/alexandru-nichifor-1342216">Alexandru Nichifor</a>, <a href="https://theconversation.com/institutions/the-university-of-melbourne-722">The University of Melbourne</a> and <a href="https://theconversation.com/profiles/scott-duke-kominers-1494057">Scott Duke Kominers</a>, <a href="https://theconversation.com/institutions/harvard-university-1306">Harvard University</a> Loyalty programs enable firms to offer significantly lower prices to some of their customers. You’d think this would encourage strong competition. But that isn’t always what actually happens. <a href="https://papers.ssrn.com/sol3/papers.cfm?abstract_id=4377561">New research</a> shows that paradoxically, by changing the way companies target customers, loyalty programs can sometimes reduce price competition. The research also points to solutions. <h2>A win-win proposition?</h2> Joining a loyalty program is supposed to be a win-win. You – the customer – get to enjoy perks and discounts, while the company gains useful commercial insights and builds brand allegiance. For example, a hotel chain loyalty program might reward travellers for frequent stays, with points redeemable for future bookings, upgrades or other benefits. The hotel chain, in turn, records and analyses how you spend money and encourages you to stay with them again. Such programs are commonplace across many industries – appearing everywhere from travel and accommodation to supermarket or petrol retailing. But they are increasingly coming under scrutiny. In 2019, the Australian Competition and Consumer Commission (ACCC) <a href="https://www.accc.gov.au/about-us/publications/customer-loyalty-schemes-final-report">cautioned</a> consumers about the sheer volume of personal data collected when participating in a loyalty program, and what companies can do with it. Hidden costs – such as having to pay a redemption fee on rewards or losing benefits when points expire – are another way these schemes can harm consumers. But a larger question – how loyalty programs impact consumers overall – remains difficult to settle, because their effect on competitiveness is unclear. As the ACCC’s <a href="https://www.accc.gov.au/about-us/publications/customer-loyalty-schemes-final-report">final report</a> notes, on the one hand: "Loyalty schemes can have pro-competitive effects and intensify competition between rivals leading to competing loyalty discounts and lower prices for consumers." But on the other hand: "Loyalty schemes can also reduce the flexibility of consumers’ buying patterns and responsiveness to competing offers, which may reduce competition." <h2>How a two-speed price system can hurt everyone</h2> A new economic theory research <a href="https://papers.ssrn.com/sol3/papers.cfm?abstract_id=4377561">working paper</a>, coauthored by one of us (Kominers), suggests that on competitive grounds alone, loyalty programs can sometimes harm all consumers – both ordinary shoppers and the program’s own members. It’s easy to see how the ordinary shopper can be worse off. Since a firm’s loyalty program enables it to offer discounted prices to its members, the firm can raise the base prices it offers to everyone else. Those not participating in the program pay more than they otherwise would have, and the firm can respond by saying “join our program!” instead of having to lower its price. But sometimes, even the program’s own members can end up worse off. When a given customer’s loyalty status is not visible to a firm’s competitors – as is the case in many loyalty programs today – it’s hard for those competitors to identify them and entice them to switch. The main way to compete for those customers becomes to lower the base price for everyone, but this means missing out on the high base margins achieved through the existence of your own loyalty program – remember, having a loyalty program means you can charge non-members more. It’s often more profitable for firms to just maintain high base prices. This, in turn, reduces overall price competition for loyal customers, so firms can raise prices for them, too. <h2>What’s the solution?</h2> Despite these effects on competition, loyalty programs still offer benefits for consumers and an opportunity for brands to form closer relationships with them. So, how do we preserve these benefits while enabling price competition? The research suggests an answer: making a customer’s loyalty status verifiable, transparent and portable across firms. This would make it possible for firms to tailor offers for their competitors’ loyal customers. This is already happening in the market for retail electricity. While there aren’t loyalty programs there per se, a consumer’s energy consumption profile, which could be used by a competitor to calibrate a personalised offer, is known only to their current electricity supplier. To address this, in 2015, the Victorian government launched a <a href="https://compare.energy.vic.gov.au">program</a> encouraging households to compare energy offers. This process involved first revealing a customer’s energy consumption profile to the market, and then asking retailers to compete via personalised offers. By opening information that might have otherwise been hidden to the broader market, this approach enabled firms to compete for each other’s top customers, in a way that could be emulated for loyalty programs. Such systems in the private sector could build upon “<a href="https://thepointsguy.com/guide/airline-status-matches-challenges/">status match</a>” policies at airlines. These allow direct transfer of loyalty status, but currently rely on a lengthy, individual-level verification process. For example, a design paradigm known as “<a href="https://hbr.org/2022/05/what-is-web3">Web3</a>” – where customer transactions and loyalty statuses are recorded on public, shared blockchain ledgers – offers a way to make loyalty transparent across the market. This would enable an enhanced, decentralised version of status match: a firm could use blockchain records to verifiably identify who its competitors’ loyal customers are, and directly incentivise them to switch. Both startups and established firms have experimented with building such systems. <h2>What next?</h2> New academic research helps us model and better understand when loyalty programs could be weakening supply side competition and undermining consumer welfare. A neat universal solution may prove elusive. But targeted government or industry interventions – centred on increasing the transparency of a customer’s loyalty status and letting them move it between firms – could help level the playing field between firms and consumers.<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/220669/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/alexandru-nichifor-1342216">Alexandru Nichifor</a>, Associate Professor, Faculty of Business and Economics, University of Melbourne, <a href="https://theconversation.com/institutions/the-university-of-melbourne-722">The University of Melbourne</a> and <a href="https://theconversation.com/profiles/scott-duke-kominers-1494057">Scott Duke Kominers</a>, Sarofim-Rock Professor of Business Administration, <a href="https://theconversation.com/institutions/harvard-university-1306">Harvard University</a> Image credits: Getty Images This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/loyalty-programs-may-limit-competition-and-they-could-be-pushing-prices-up-for-everyone-220669">original article</a>.

Money & Banking

Matt Shirvington opens up on marriage and fatherhood

Matt Shrivington has opened up about marrying his "first crush" when he tied the knot with his wife in 2001. The Sunrise host spoke candidly to Sydney Morning Herald about the early days of his relationship with his wife Jessica, sharing how the pair "made it official" when they were just 18 years old. The 45-year-old reflected on his whirlwind romance, sharing how the couple met at a house party when they were teenagers. “We went to separate schools but had mutual friends and saw one another often at house parties,” Shirvo said. The former Olympian said the couple had a “false start” after Jess came down with chickenpox, while he was focused on his athletics career. “But by the time we’d finished our Higher School Certificate (Year 12, in NSW), we’d made it official. We moved in together aged 18 and started our lives as a couple,” he added. Jess and Matt married in 2001 and moved to London a year later, after Matt was based in England for his athletics training. Their family grew in 2006 when they welcomed their first child Sienna, before deciding to return to Australia in 2008. The couple had a second daughter, Winter, soon after, and went on to have a son, Lincoln, who is six. Shirvo shared how much he loves raising daughters and getting to see their sense of independence grow. “They’re great young women, strong and powerful, and I love seeing their desire for independence,” Shirvo said. “Sienna is extremely artistic and Winnie is ambitious about sport – she just competed in the under-17s National Rowing Championships." “It doesn’t matter what it is, if your kids have a passion for something and love waking up in the morning to do it, you’ll back it to the end of the earth as a parent.” On Monday morning's episode of Sunrise, Nat Barr praised the article and Shirvo for his heartwarming words about his family. “Interesting article in the paper over the weekend about our very own Shirvo — who got candid about life, love, and family,” Barr said, referring to the piece. “I wanted to give you a shout-out — it was really lovely, I loved reading it.” “My favourite part was when you said, ‘I never had a celebrity crush growing up, but I did marry my first crush’ It was a really gorgeous story,” Barr said of the piece. Image credits: Instagram

Relationships

Seven's insane plan to ambush Lisa Wilkinson exposed

A bizarre plan pitched by Channel Seven for Bruce Lehrmann to ambush Lisa Wilkinson has been revealed. According to several close friends of Mr Lehrmann, Channel Seven's Spotlight program suggested that Lehrmann hover around the Sydney suburb of Cremorne in the hopes of catching Lisa Wilkinson unawares. They proceeded to explain to <a href="https://www.news.com.au/national/nsw-act/sevens-plan-for-bruce-lehrmann-to-ambush-lisa-wilkinson-in-public/news-story/1e6df346affc123ad23f1f7efcb12136" target="_blank" rel="noopener">news.com.au</a> how they wanted Lehrmann to confront Wilkinson while a cameraman stood close in the hopes of manufacturing a must-see TV moment. Mr Lehrmann's friends said he was not keen on the idea, although the program continued to suggest the ambush. As the fallout continues over untested allegations in the Federal Court that Mr Lehrmann leaked Brittany Higgins’ private text messages to the current affairs program, the former Liberal staffer’s mates are spilling the beans on claims of the program’s bizarre plan. “Bruce very much wanted a third program. But that was a bridge too far," another friend said. “Seven were desperate for ideas. They raised it several times. On many occasions I met with Bruce after meetings and they were pushing for it." “The plan as described was (they) wanted Bruce to be at a local cafe that they knew Lisa Wilkinson would go to and they would have a TV camera confront her.” When asked what Mr Lehrmann planned to say during the ambush, the friend admitted, “I dunno. I don’t know if they thought that far ahead.” Mr Lehrmann’s inner circle claim that it was just one of a number of wild ideas floated by Spotlight producer Steve Jackson as they pitched ideas for future programs about Lehrmann. Another confidante of Mr Lehrmann’s said the Wilkinson plan was “bizarre” and joked it seemed to involve Mr Lehrmann jumping from behind a pot plant to startle the TV star, an idea the former Liberal staffer wasn't keen for, despite the Seven “ideas factory”. “It wasn’t something that Bruce (Lehrmann) pushed," the source said. “Spotlight had a million viewers and so they were always looking for any excuse for a third program. The plan was to spark some sort of public row.” Mr Lehrmann’s criminal trial was delayed in the wake of Wilkinson’s ill-fated Logies speech, but his barrister Steve Whybrow SC has hailed the speech as keeping him out of jail. “Frankly, if it wasn’t for Lisa Wilkinson’s speech at the Logies, Bruce would probably be in jail. Thank God for that speech," Mr Whybrow said. Image credits: Getty Images

Legal

How to look after your mental health while packing up Mum or Dad’s home

<a href="https://theconversation.com/profiles/erika-penney-1416241">Erika Penney</a>, <a href="https://theconversation.com/institutions/university-of-technology-sydney-936">University of Technology Sydney</a>; <a href="https://theconversation.com/profiles/alice-norton-1516505">Alice Norton</a>, <a href="https://theconversation.com/institutions/university-of-sydney-841">University of Sydney</a>, and <a href="https://theconversation.com/profiles/avalon-tissue-1515840">Avalon Tissue</a>, <a href="https://theconversation.com/institutions/university-of-sydney-841">University of Sydney</a> So Mum or Dad has died, or moved to aged care, and now you’ve got to pack up their house. It’s a huge job and you’re dreading it. It’s normal to feel grief, loss, guilt, exhaustion or even resentment at being left with this job. So how can you look after your mental health while tackling the task? <h2>It’s OK to feel a lot of feelings</h2> Research has documented how this task can exert an intense <a href="https://www.tandfonline.com/doi/full/10.1080/15267431.2021.1943399">physical and emotional toll</a>. This can be more intense for those who had strained – or even <a href="https://journals.sagepub.com/doi/epub/10.1177/0030222819868107">traumatic</a> – relationships with the person whose house they’re packing up. Decisions around distributing or discarding items can, in some families, bring up painful reminders of the past or end up <a href="https://journals.sagepub.com/doi/10.1177/1074840711428451">replaying strained dynamics</a>. Family members who were carers for the deceased may feel exhaustion, overwhelm, <a href="https://onlinelibrary.wiley.com/doi/abs/10.1002/hec.1512?sid=vendor%3Adatabase">burnout</a> or a sense of injustice they must now continue to be responsible for their loved one’s affairs. Grief can be compounded by the practical challenges of deciding how to <a href="https://doi.org/10.1016/0148-2963(94)00054-I">store or discard belongings</a>, <a href="https://www.jstor.org/stable/30000385">arrange the funeral</a>, execute the will, deal with the aged care place or, in some cases, navigate legal disputes. But packing up the house may also be cathartic or helpful. <a href="https://www.tandfonline.com/doi/full/10.1080/15267431.2021.1943399">Research</a> has shown how the task of cleaning out a loved one’s belongings can provide an opportunity for family and friends to talk, share memories, and make sense of what has just happened. It’s also normal to grieve before someone dies. What psychologists call “<a href="https://pubmed.ncbi.nlm.nih.gov/29206700/">anticipatory</a> grief” can happen to <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC1615888/">relatives packing up the house</a> of a parent who has moved to aged care or palliative care. <h2>What to do with all this stuff?</h2> <a href="https://doi.org/10.1016/0148-2963(94)00054-I">Some</a> treat their loved one’s items with sanctity, holding onto as many of their belongings as possible and creating “shrines” in their honour. Others alleviate the weight of grief by clearing out a loved one’s house as soon as possible, giving away, selling or discarding as much as they can. But if you experience a mix of these – enthusiastically getting rid of some stuff, while desperately wanting to hold onto other things – that’s OK too. One <a href="https://www.tandfonline.com/doi/abs/10.1080/10253866.2017.1367677">study</a> identified a process punctuated by four key periods: <ol> <li> numbness and overwhelm at the task of packing the house </li> <li> yearning to maintain a link to the loved through their belongings </li> <li> working through grief, anger and guilt regarding the loved one and the task of managing their belongings, and </li> <li> healing and making sense of the relationship with the deceased and their belongings. </li> </ol> However, it is important to note everyone’s approach is different and there is no “right” way to do the clean out, or “right” way to feel. <h2>Caring for your mental health during the clean out</h2> To care for your mental health during these difficult times, you might try to: <ul> <li> make space for your feelings, whether it’s sadness, loss, resentment, anger, relief or all the above. There is no right or wrong way to feel. <a href="https://guilfordjournals.com/doi/abs/10.1521/jscp.2011.30.2.163">Accepting</a> your emotions is healthier than suppressing them </li> <li> share the load. <a href="https://onlinelibrary.wiley.com/doi/abs/10.1046/j.1365-2648.1999.01220.x">Research</a> has shown practical support from close friends and family can help a lot with grief. Accept help with packing, planning, dealing with removalists, selling or donating items and cleaning. Don’t be afraid to reduce your mental load by delegating tasks to friends, who are likely wondering how they can help </li> <li> take a systematic approach. Break tasks into their smallest component. For example, aim to clean out a drawer instead of an entire bedroom. This can help the mental and physical task feel more manageable </li> <li> reflect on what’s meaningful to you. Some belongings will have <a href="https://doi.org/10.1016/0148-2963(94)00054-I">meaning</a>, while others will not. What was valuable to the deceased may not be valuable to you. Things they probably saw as pretty worthless (a handwritten shopping list, an old sewing kit) may be very meaningful to you. Ask yourself whether retaining a small number of meaningful possessions would allow you to maintain a connection with your loved one, or if clearing out the space and discarding the items is what you need </li> <li> share your story. When you feel ready, share your “<a href="https://www.tandfonline.com/doi/full/10.1080/15267431.2021.1943399">cleaning out the closet</a>” story with trusted friends and family. Storytelling allows the deceased to live on in memory. <a href="https://onlinelibrary.wiley.com/doi/abs/10.1046/j.1365-2648.1999.01220.x">Research</a> also suggests we cope better with bereavement when friends and relatives make time to hear our feelings </li> <li> remember that professional help is available. Just as a solicitor can help with legal disputes, a mental health professional can help you process your feelings. </li> </ul> The home of your loved one is not merely a place where they lived, but a space filled with meaning and stories. Packing up the house of a loved one can be incredibly daunting and challenging, but it can also be an important part of your grieving process. If this article has raised issues for you, or if you’re concerned about someone you know, call Lifeline on 13 11 14.<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/223956/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/erika-penney-1416241">Erika Penney</a>, Lecturer in Clinical Psychology, <a href="https://theconversation.com/institutions/university-of-technology-sydney-936">University of Technology Sydney</a>; <a href="https://theconversation.com/profiles/alice-norton-1516505">Alice Norton</a>, Lecturer in Psychology, <a href="https://theconversation.com/institutions/university-of-sydney-841">University of Sydney</a>, and <a href="https://theconversation.com/profiles/avalon-tissue-1515840">Avalon Tissue</a>, Associate Lecturer in Clinical Psychology, <a href="https://theconversation.com/institutions/university-of-sydney-841">University of Sydney</a> Image credits: Getty Images This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/how-to-look-after-your-mental-health-while-packing-up-mum-or-dads-home-223956">original article</a>.

Caring

Legendary Star Wars and James Bond actor passes away

The galaxy far, far away has dimmed a little with the passing of Michael Culver, a distinguished British actor whose name became etched in the annals of cinematic history, particularly for his role in the iconic 1980 film Star Wars: Episode V - The Empire Strikes Back. Culver, who portrayed Captain Needa, the unfortunate Imperial officer, met his demise in one of the franchise's most memorable scenes at the hands of Darth Vader. However, his legacy extends far beyond the realms of science fiction, encompassing a career spanning over five decades of stage, screen and political activism. Born in 1938 in Hempstead, North London, to esteemed parents within the theatre industry, Culver was destined for a life under the spotlight. His father, Roland Culver, was a notable West End stage actor, while his mother, Daphne Rye, served as a casting director in London-based theatre. Following in their footsteps, Culver honed his craft at the London Academy of Music and Dramatic Art, laying the foundation for a prolific acting career. Culver's journey in the performing arts began in the late 1950s, with appearances on Broadway in Shakespearean classics such as King Henry V, Hamlet, and Twelfth Night. His talent soon graced the West End stage in 1962, marking the start of a distinguished theatrical career. Transitioning to the small screen, Culver made his onscreen debut in 1961, captivating audiences with his versatile performances in British television series and movies. However, it was Culver's portrayal of Captain Needa in The Empire Strikes Back that solidified his status as a cultural icon. Despite his character's brief appearance, Culver left an indelible mark on audiences worldwide, immortalised in one of cinema's most unforgettable moments. His confrontation with Vader, culminating in a chilling demise, remains etched in the memories of countless fans, a testament to Culver's ability to captivate audiences with his presence. Beyond his intergalactic exploits, Culver's talents graced a multitude of productions, including notable roles in Sherlock Holmes, A Passage to India, Secret Army, and even appearing in two James Bond movies – From Russia With Love and Thunderball – in uncredited roles. His versatility and dedication to his craft earned him admiration and respect from peers and audiences alike. Yet, Culver's contributions extended beyond the realms of entertainment; in the early 2000s, he shifted his focus to political activism, leveraging his platform to advocate for causes close to his heart. Despite bidding farewell to the limelight, Culver's legacy endures through the countless lives he touched and the memories he forged on stage and screen. An extended message on the Alliance Agents Facebook page, who represented Culver, read as follows: "We are very sad to confirm the passing of our friend and client Michael Culver. A career spanning over 50 years with notable roles in Sherlock Holmes, A Passage to India, Secret Army and of course one of the most memorable death scenes in the Star Wars franchise. Michael largely gave up acting in the early 2000's to concentrate his efforts into his political activism. It's been an honor to have represented Michael for for the last decade and to have taken him to some of the best Star Wars events in the UK and Europe. A real highlight was taking Michael to Celebration in Chicago in 2019. He was lost for words when he saw his queue line with nearly 200 people waiting to see him. We worked with Michael just 3 weeks ago at his last home signing with our friends at Elite Signatures. Michel died on Tuesday 27th February at the age of 85." "We miss him." His passing leaves a void in the hearts of fans and colleagues, a reminder of the fleeting nature of life's curtain call. As we reflect on his remarkable journey, let us celebrate the life and legacy of Michael Culver, an actor whose talents transcended galaxies and whose spirit will continue to inspire generations to come. In his memory, let us heed the timeless words of Captain Needa himself: "We shall double our efforts." Rest in peace, Michael Culver. The force will always be with you. Images: IMDB / Wookiepedia

Caring

Clive Palmer's plans to build Titanic II resurface

Just when you thought we'd exhausted all of the possible billionaire pet projects, Clive Palmer, the Queensland mining magnate with pockets deeper than the Mariana Trench, has once again proven us wrong. For more than a decade now, Palmer has harboured a peculiar obsession: resurrecting the ghost of the Titanic, the world's most infamous maritime disaster. Palmer wants to build Titanic II, because when you've got more money than you can count, why not embark on a maritime venture that's already synonymous with catastrophe? Palmer, with the audacity only wealth can afford, has been pushing for this Titanic replica since 2012. Not content with merely one failed attempt, he launched the project again in 2018. Now, after another six years and a global pandemic, he's dusting off his captain's hat and setting sail once more, announcing the Titanic II's re-launch at the Sydney Opera House (because when you're Clive Palmer, a press conference venue like the local community centre just doesn't cut it). But why, you may ask? According to Palmer himself, it's a simple matter of economics: "I’ve got two options, either give my wife more money for shopping or spend it on the Titanic and I’m spending it on the Titanic because she’s shopped enough." Ah, yes, the age-old dilemma of whether to buy your spouse another designer handbag or fund a one-billion-dollar replica of a ship that sank over a century ago. We've all been there. Despite the naysayers who dismissed Palmer's dream as nothing more than the folly of a rich eccentric, he remains undeterred. Now, with the pandemic in the rearview mirror and cruise ships once again cruising, Palmer sees this as the perfect time to resurrect his Titanic dream. Because what better way to celebrate the end of a global health crisis than by building a monument to maritime tragedy? Palmer assures us that this time around, things will be different. The plans are similar to previous iterations, but now they comply with current regulations. Tenders are being sought, with plans to confirm a shipbuilder by year's end with the intention of setting sail by 2027. And what can prospective passengers expect from this seafaring spectacle? Well, according to Palmer's team, an eight-minute video featuring period costumes and a layout straight out of the early 1900s. Passengers will even be encouraged to dress the part (though that's not compulsory; nothing screams "fun vacation" like wearing corsets and three-piece suits in the middle of the ocean). But fear not, third-class passengers, you won't be left out of this Titanic experience. You'll get to enjoy stew and mash at communal dining tables, just like the good old days. Although, for those who prefer their meals without a side of historical accuracy, other options will be available. In amongst of all this, Palmer has grandiose visions of Titanic II as a symbol of world peace. “We all know how to make war," he announced at the press launch. "We get armies and we fund wars. People know about that. But it is a lot harder to make peace. To make peace you have got to stick with it every day. You progress inch by inch. “Titanic ll is something that can provide peace. It can be a ship of peace between all countries of the world. Millions have dreamt of sailing on her, seeing her in port and experiencing her unique majesty. Titanic ll will be the ship where those dreams come true.” So, as Palmer sets sail on his quixotic quest to recreate history, we can't help but wonder: Is Titanic II a testament to human ingenuity or just another billionaire's folly? Only time will tell. But if history has taught us anything, it's that sometimes, even the grandest dreams can end up at the bottom of the ocean. Images: Rod Eime / Wikimedia

Cruising

Bold idea sees hotel offer thousands in cash back if it rains

In a move that's making waves in the travel industry, a posh hotel in the heart of Singapore has rolled out a revolutionary offer: rain insurance. Yes, you heard it right – rain insurance! InterContinental Singapore, a sanctuary for jet-setters seeking respite from both the humidity and the occasional tropical deluge, has unleashed a game-changer for travellers. Dubbed the "Rain Resist Bliss Package", this offer promises to keep your spirits high even when the rain gods decide to throw a dampener on your plans. Picture this: you've booked your suite at this 5-star haven, eagerly anticipating your Singapore escapade. But lo and behold, the forecast takes a turn for the soggy, threatening to rain on your parade – quite literally. Fear not, dear traveller, for with the Rain Resist Bliss Package, you can breathe easy knowing that if your plans get drenched, your wallet won't. Now, you might be wondering, how does this rain insurance work? Well, it's as simple as Singapore Sling on a sunny day. If the heavens decide to open up and rain on your parade for a cumulative 120 minutes within any four-hour block of daylight hours (that's 8am to 7pm for those not on island time), you're entitled to a refund equivalent to your single-night room rate. The package is available exclusively for suite room bookings starting from $SGD850 per night – so that’s around $965 rain-soaked dollars back in your pocket, no questions asked. No need to jump through hoops or perform a rain dance – just sit back, relax, and let the rain do its thing. And fret not about having to keep an eye on the sky – the clever folks at InterContinental Singapore have got you covered. They're tapping into the data from the National Environmental Agency Weather Station to automatically trigger those rain refunds. It's like having your own personal meteorologist ensuring that your plans stay as dry as your martini. But hey, if the rain does decide to crash your party, fear not! The hotel has an array of dining options to keep your tastebuds entertained while you wait for the clouds to part. And let's not forget, Singapore isn't just about sunshine and rainbows – there are plenty of indoor activities to keep you occupied, from feasting at Lau Pa Sat for an authentic hawker experience to retail therapy at Takashimaya. And here's a silver lining to those rain clouds: fewer tourists! That's right, while others might be scrambling for cover, you could be enjoying shorter lines, less crowded attractions, and even snagging better deals on accommodations. Plus, let's not overlook the fact that the rain brings a welcome respite from the tropical heat, making outdoor adventures all the more enjoyable once the showers subside. So, pack your umbrella and leave your worries behind. With InterContinental Singapore's Rain Resist Bliss Package, you can embrace the unpredictable and turn even the rainiest of days into a memorable adventure. After all, as they say, when life gives you lemons, make Singapore Slings and dance in the rain! Images: InterContinental Singapore / Getty Images

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Bold idea sees hotel offer thousands in cash back if it rains

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