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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.<!-- Below is The Conversation's page counter tag. Please DO NOT REMOVE. --><img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/228867/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /><!-- End of code. If you don't see any code above, please get new code from the Advanced tab after you click the republish button. The page counter does not collect any personal data. More info: https://theconversation.com/republishing-guidelines --></p> <p><em><a href="https://theconversation.com/profiles/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

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"I miss her hugs": British acting legend shares heartbreaking loss

<p>Actor Warwick Davis has shared the heartbreaking news of his wife's death. </p> <p>The actor, known for his roles in <em>Harry Potter</em> and <em>Star Wars</em>, took to social media to share the news of his wife Samantha's death, who passed away at the age of 53. </p> <p>“Her passing has left a huge hole in our lives as a family. I miss her hugs”, Warwick, 54, said.</p> <p>He added, “She was a unique character, always seeing the sunny side of life she had a wicked sense of humour and always laughed at my bad jokes.</p> <p>“Without Sammy, there would have been no Tenable quiz show, no Willow series. No Idiot Abroad Series 3.”</p> <p>Warwick said Samantha was his “most trusted confidant and an ardent supporter of everything I did in my career”.</p> <p>The couple’s children, Harrison and Annabelle, added, “Mum is our best friend and we’re honoured to have received a love like hers</p> <p>“Her love and happiness carried us through our whole lives”.</p> <p>Warwick and Samantha met on the set of the movie Willow in 1988 and got married three years later. </p> <p>Samantha had achondroplasia, a bone growth disorder that causes disproportionate dwarfism.</p> <p>Warwick has previously opened up about his wife’s health after she was rushed to hospital with sepsis in 2018, and had to undergo several different surgeries to stabilise her condition. </p> <p>Warwick, co-founder of charity Little People UK, has often spoken out about the health battles related to his condition, as well his wife’s.</p> <p>He was born with Spondyloepiphyseal dysplasia congenita (SED), an extremely rare genetic form of dwarfism, which has been inherited by both their daughter Annabelle and son Harrison.</p> <p><em>Image credits: Getty Images </em></p>

Caring

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Does British tourism really need the royal family?

<p><em><a href="https://theconversation.com/profiles/ross-bennett-cook-1301368">Ross Bennett-Cook</a>, <a href="https://theconversation.com/institutions/university-of-westminster-916">University of Westminster</a></em></p> <p>Love them or loathe them, the royal family are up there with red telephone boxes and scones when it comes to images of Britishness. Souvenir shops are full of their faces, newspapers across the world discuss them, and <a href="https://www.euronews.com/culture/2022/09/13/netflixs-the-crown-skyrockets-in-popularity-following-the-queens-death">television dramas</a> based on their lives have never been more popular.</p> <p>Whenever people are critical of the royal family, the oft-repeated retort is “but think of the tourism!”. This has been particularly common rhetoric recently, as <a href="https://www.independent.co.uk/life-style/royal-family/who-paid-for-coronation-b2334669.html">many people question</a> how a country facing mass strikes and a crippling cost of living crisis can afford the estimated <a href="https://www.lbc.co.uk/news/explained/how-much-king-charles-iii-coronation-cost-who-pays-for-it/">£100 million</a> cost of King Charles III’s coronation.</p> <p>In a recent <a href="https://yougov.co.uk/topics/arts/survey-results/daily/2023/04/18/25178/3">YouGov poll</a>, 51% did not believe the coronation should be paid for by taxpayers. For young people, this figure was even higher, at 62%. But supporters will often use <a href="https://www.independent.co.uk/news/charles-iii-ap-coronation-buckingham-palace-elizabeth-ii-b2326220.html">tourism</a> as justification for lavish expenses.</p> <p>The royal family does bring tourism to the UK. The economic consultancy Centre for Economics and Business Research <a href="https://cebr.com/reports/uk-economy-raises-a-glass-to-337-million-coronation-boost-from-tourism-and-pub-activity/">estimated</a> that the coronation weekend would lead to a £337 million boost from tourism and pub spending.</p> <p>But if the royal family were to disappear, would the UK’s tourism industry suddenly implode?</p> <p>2011 research by <a href="https://webarchive.nationalarchives.gov.uk/ukgwa/20140722183820/http://www.visitbritain.org/mediaroom/archive/2011/vbrwwedding.aspx">Visit Britain</a> found that around 60% of tourists to the UK are likely to visit places associated with the royal family. While there is no more recent specifically royal data, in 2022 Visit Britain found that history and heritage was the biggest <a href="https://www.visitbritain.org/MIDAS-research-project">pull factor to tourists</a>.</p> <p>And while the <a href="https://journals.sagepub.com/doi/10.1177/1468797606071477">international perception</a> of Britain is certainly intertwined with the royal family, this does not tell us whether a reigning royal family is necessary for tourism. After all, the history surrounding the monarchy and places associated with them would still be here even if the royal family was not. Ottoman palaces of Istanbul remain <a href="https://edition.cnn.com/travel/article/most-visited-castles-palaces/index.html">wildly popular</a> attractions 100 years since the collapse of the caliphate, as are the royal châteaus of France or imperial palaces of China.</p> <p>Lack of royalty does not seem to have affected these countries’ appeal, each of which attract <a href="https://www.e-unwto.org/doi/epdf/10.18111/wtobarometereng.2020.18.1.7">more tourists</a> annually than the UK.</p> <h2>A special relationship</h2> <p>The USA is the UK’s <a href="https://www.visitbritain.org/inbound-tourism-trends-old">largest tourist market</a>, and <a href="https://www.telegraph.co.uk/royal-family/2023/05/05/coronation-american-tourists-britain-boom-royal-family-usa/">American tourists</a> do seem to be very fond of things associated with British royalty.</p> <p>But this may change with the new monarch. In a <a href="https://today.yougov.com/topics/entertainment/articles-reports/2021/02/17/british-royals-popular-america-poll">poll taken in February 2021</a>, before the death of Queen Elizabeth II, a whopping 68% of Americans viewed her favourably. The same poll found only 34% had a favourable opinion of Charles – but this has changed in his favour following his accession to the throne, according to a <a href="https://today.yougov.com/topics/international/articles-reports/2023/05/05/americans-think-british-royal-family-charles">poll taken before the coronation</a> which gave him a 50% approval rating in the US. That said, 62% of people in the US said they did not care about the coronation very much or at all.</p> <p>Outside America, the UK’s next largest tourist groups have significantly less interest in the royal family. The holiday firm <a href="https://www.traveldailymedia.com/study-reveals-importance-of-royal-family-to-uk-tourism-industry/">Travelzoo</a> found in 2016 that just 19% of German, 15% of French and only 10% of Spanish travellers want to come to the UK because of the British monarchy.</p> <h2>Where do tourists go?</h2> <p>Typically, when commentators discuss the royal contributions to tourism, they talk about significant events such as weddings, jubilees, coronations and funerals. Even though these events attract huge crowds, they happen rarely and are unrepresentative of the tourism industry as a whole. Research <a href="https://journals.sagepub.com/doi/10.1177/13548166211004361">has found</a> that royal weddings massively improve a country’s image and brand awareness, but are not comparable to major mega events such as the Fifa World Cup, the Super Bowl or the Olympics.</p> <p>Even though royal places are popular, they are far from our most popular attractions. Of Britain’s <a href="https://www.visitbritain.org/annual-survey-visits-visitor-attractions-latest-results">ten most visited</a> free and paid-for attractions in 2021, none were royal attractions. The <a href="https://www.visitbritain.org/sites/default/files/vb-corporate/top_20_listings.pdf">highest ranking</a> royal attraction was the Tower of London, making only 17th on the list.</p> <p>Typically, Chester Zoo attracts more visitors than Windsor Castle or Buckingham Palace, although these statistics do not differentiate between domestic and international tourists. In the most recent <a href="https://www.windsor.gov.uk/dbimgs/Windsor%202017%20Visitor%20Survey%20final%20report%2028_11_17.pdf">Windsor visitor survey</a>, the majority of its tourists came from overseas.</p> <p>Anti-monarchy group <a href="https://www.republic.org.uk/tourism">Republic</a> has disputed the widely cited figure that the monarchy generates £500 million in tourism income for the UK annually – which itself would be only a small fraction of Britain’s £127 billion tourism economy.</p> <p>The group also questions why royalty <a href="https://www.youtube.com/watch?v=9hL9yDOK48A">barely feature</a> on British tourism campaigns or advertisements, if they are so vital to the tourism economy.</p> <p>It is impossible to deny that royalty adds to the UK’s appeal as a tourist destination – the history and associated heritage is famous worldwide. However, what is questionable is whether a reigning monarchy is necessary for this attractiveness to continue.<!-- Below is The Conversation's page counter tag. Please DO NOT REMOVE. --><img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/205158/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /><!-- End of code. If you don't see any code above, please get new code from the Advanced tab after you click the republish button. The page counter does not collect any personal data. More info: https://theconversation.com/republishing-guidelines --></p> <p><a href="https://theconversation.com/profiles/ross-bennett-cook-1301368"><em>Ross Bennett-Cook</em></a><em>, Visiting Lecturer, School of Architecture + Cities, <a href="https://theconversation.com/institutions/university-of-westminster-916">University of Westminster</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/does-british-tourism-really-need-the-royal-family-205158">original article</a>.</em></p>

International Travel

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South Australian Government's sprinkles ban sparks outrage

<p>New guidelines for school canteens in South Australia have sparked outrage for "taking all the enjoyment away from children". </p> <p>Sprinkles of any kind, including 100s and 1000s - which are an essential ingredient for the iconic fairy bread - have been categorised as “red 2", meaning that they “should not be promoted or encouraged in schools on any occasion”.</p> <p>The ban comes after processed meats including ham would be limited at canteens in Western Australia, with similar restrictions now in place for South Australian canteens. </p> <p>Processed meats fall into the “red 1” or “amber” categories in South Australia, which means that products featuring them would be limited depending on nutritional criteria. </p> <p>These restrictions mean that children will no longer be able to regularly enjoy Australian staples like ham and cheese toasties and fairy bread at school. </p> <p>“Why are they taking all the enjoyment away from children?” one person told 7News. </p> <p>Dieticians have also questioned the decision, saying that it might only cause further problems in the future. </p> <p>“All your brain wants to do is eat that food, and eventually, you can restrict it for a little bit, until you get to that point where you just give in, you want to eat it, and then you binge,” dietitian Mattea Palombo said. </p> <p>Another expert suggested changing the foods we associate with good times. </p> <p>“Celebration foods aren’t so much about the foods that we have at the time of the celebration, but the friends and family we have around at the time of celebrating,” dietitian Dr Evangeline Mantzioris said.</p> <p>“So I think we probably need to balance it out a bit, so healthy foods are available at those celebrations.” </p> <p>Although the changes impact canteens, parents are still free to pack whatever they want in their kids' lunchboxes. </p> <p><em>Images: Getty</em></p> <p> </p> <p> </p>

Food & Wine

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World's most powerful women come together to mark the end of an era

<p>A group of the most powerful and influential women in the worlds of fashion and entertainment have joined forces to appear on a legendary cover of <em>British Vogue</em>. </p> <p>The iconic cover shoot occurred to celebrate the magazine's editor Edward Enninful, who is stepping back from the role after six years at the helm. </p> <p>Enninful gathered his muses for the history-making "Legendary" edition, featuring the likes of Oprah Winfrey, Jane Fonda, Selma Blair, Salma Hayek, Victoria Beckham, Miley Cyrus, Dua Lipa, and many more. </p> <p>"To get one of these women on a cover takes months. To get 40? Unheard of," Cyrus remarked in an on-set video.</p> <p>In a post to social media, Selma Blair remarked that she "didn't want the day to end". </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/reel/C3FtXApL8_O/?utm_source=ig_embed&amp;utm_campaign=loading" data-instgrm-version="14"> <div style="padding: 16px;"> <div style="display: flex; flex-direction: row; align-items: center;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 40px; margin-right: 14px; width: 40px;"> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 100px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 60px;"> </div> </div> </div> <div style="padding: 19% 0;"> </div> <div style="display: block; height: 50px; margin: 0 auto 12px; width: 50px;"> </div> <div style="padding-top: 8px;"> <div style="color: #3897f0; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: 550; line-height: 18px;">View this post on Instagram</div> </div> <div style="padding: 12.5% 0;"> </div> <div style="display: flex; flex-direction: row; margin-bottom: 14px; align-items: center;"> <div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(0px) translateY(7px);"> </div> <div style="background-color: #f4f4f4; height: 12.5px; transform: rotate(-45deg) translateX(3px) translateY(1px); width: 12.5px; flex-grow: 0; margin-right: 14px; margin-left: 2px;"> </div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(9px) translateY(-18px);"> </div> </div> <div style="margin-left: 8px;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 20px; width: 20px;"> </div> <div style="width: 0; height: 0; border-top: 2px solid transparent; border-left: 6px solid #f4f4f4; border-bottom: 2px solid transparent; transform: translateX(16px) translateY(-4px) rotate(30deg);"> </div> </div> <div style="margin-left: auto;"> <div style="width: 0px; border-top: 8px solid #F4F4F4; border-right: 8px solid transparent; transform: translateY(16px);"> </div> <div style="background-color: #f4f4f4; flex-grow: 0; height: 12px; width: 16px; transform: translateY(-4px);"> </div> <div style="width: 0; height: 0; border-top: 8px solid #F4F4F4; border-left: 8px solid transparent; transform: translateY(-4px) translateX(8px);"> </div> </div> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center; margin-bottom: 24px;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 224px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 144px;"> </div> </div> <p style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; line-height: 17px; margin-bottom: 0; margin-top: 8px; overflow: hidden; padding: 8px 0 7px; text-align: center; text-overflow: ellipsis; white-space: nowrap;"><a style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: normal; line-height: 17px; text-decoration: none;" href="https://www.instagram.com/reel/C3FtXApL8_O/?utm_source=ig_embed&amp;utm_campaign=loading" target="_blank" rel="noopener">A post shared by British Vogue (@britishvogue)</a></p> </div> </blockquote> <p>The shoot also included models Kate Moss, Cara Delevingne, Karlie Kloss, alongside the original '90s supermodels – Naomi Campbell, Iman, Linda Evangelista, Christy Turlington and Cindy Crawford.</p> <p>Evangelista said of the iconic shoot, "I've met so many people today on my bucket list".</p> <p>Hayek also posted about the experience on Instagram, saying, "So honoured to be part of this legendary cover of British Vogue and Edward Enninful's muses, especially because they are my muses too!" </p> <p>Jane Fonda summed up the energy of the day on set, saying, "Women understand the importance and power of the collective."</p> <p><em>Image credits: Instagram </em></p> <p> </p>

Beauty & Style

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Stage 3 stacks up: the rejigged tax cuts help fight bracket creep and boost middle and upper-middle households

<p><em><a href="https://theconversation.com/profiles/ben-phillips-98866">Ben Phillips</a>, <a href="https://theconversation.com/institutions/australian-national-university-877">Australian National University</a></em></p> <p>The winners and losers from the Albanese government’s <a href="https://treasury.gov.au/sites/default/files/2024-01/tax-cuts-government-fact-sheet.pdf">rejig</a> of this year’s Stage 3 tax cuts have already been well documented.</p> <p>From July 1 every taxpayer will get a tax cut. Most, the 11 million taxpayers earning up to A$146,486, will also pay less tax than they would have under the earlier version of Stage 3, some getting a tax cut <a href="https://theconversation.com/albanese-tax-plan-will-give-average-earner-1500-tax-cut-more-than-double-morrisons-stage-3-221875">twice as big</a>.</p> <p>A much smaller number, 1.8 million, will get a smaller tax cut than they would have under the original scheme, although their cuts will still be big. The highest earners will get cuts of $4,529 instead of $9,075.</p> <p>But many of us live in households where income is shared and many households don’t pay tax because the people in them don’t earn enough or are on benefits.</p> <p>The Australian National University’s <a href="https://csrm.cass.anu.edu.au/research/policymod">PolicyMod</a> model is able to work out the impacts at the household level, including the impact on households in which members are on benefits or don’t earn enough to pay tax.</p> <h2>More winners than losers in every broad income group</h2> <p>We’ve divided Australian households into five equal-size groups ranked by income, from lowest to lower-middle to middle to upper-middle to high.</p> <p>Our modelling finds that, just as is the case for individuals, many more households will be better off with the changes to Stage 3 than would have been better off with Stage 3 as it was, although the difference isn’t as extreme.</p> <p>Overall, 58% of households will be better off with the reworked Stage 3 than they would have under the original and 11% will be worse off.</p> <p>Importantly, there remain 31% who will be neither better off nor worse off, because they don’t pay personal income tax.</p> <hr /> <p><iframe id="0CWXE" class="tc-infographic-datawrapper" style="border: none;" src="https://datawrapper.dwcdn.net/0CWXE/4/" width="100%" height="400px" frameborder="0"></iframe></p> <hr /> <p>But it is different for different types of households.</p> <p>In the lowest-earning fifth of households, far more are better off (13.5%) than worse off (0.2%) with the overwhelming bulk neither better nor worse off (86.3%).</p> <hr /> <p><iframe id="KC5zy" class="tc-infographic-datawrapper" style="border: none;" src="https://datawrapper.dwcdn.net/KC5zy/3/" width="100%" height="400px" frameborder="0"></iframe></p> <hr /> <p>In the highest-earning fifth of households, while more than half are better off (54.4%), a very substantial proportion are worse off (42.3%).</p> <p>Very few (only 3.1%) are neither better nor worse off.</p> <hr /> <p><iframe id="WSkSL" class="tc-infographic-datawrapper" style="border: none;" src="https://datawrapper.dwcdn.net/WSkSL/3/" width="100%" height="400px" frameborder="0"></iframe></p> <hr /> <h2>But high-earning households go backwards on average</h2> <p>In dollar terms, the top-earning fifth of households loses money while every group gains. That’s because although there are more winners than losers among the highest-earning fifth of households, the losers lose more money.</p> <p>The biggest dollar gains go to middle and upper-middle income households with middle-income households ahead, on average, by $988 per year and upper-middle income households by $1,102. The highest-income households are worse off by an average of $837 per year.</p> <p>As a percentage of income, middle-income households gain the most with a 1% increase in disposable income. Lowest income households gain very little, while the highest-income households go backwards by 0.3%.</p> <hr /> <p><iframe id="kAPmC" class="tc-infographic-datawrapper" style="border: none;" src="https://datawrapper.dwcdn.net/kAPmC/3/" width="100%" height="400px" frameborder="0"></iframe></p> <hr /> <h2>The rejig does a better job of fighting bracket creep</h2> <p>And we’ve found something else.</p> <p>The original version of the Stage 3 tax cuts was advertised as a measure to overcome <a href="https://theconversation.com/the-2-main-arguments-against-redesigning-the-stage-3-tax-cuts-are-wrong-heres-why-221975">bracket creep</a>, which is what happens when a greater proportion of taxpayers’ income gets pushed into higher tax brackets as incomes climb.</p> <p>We have found it wouldn’t have done it for most of the income groups, leaving all but the highest-earning group paying more tax after the change in mid-2024 than it used to in 2018.</p> <p>The rejigged version of Stage 3 should compensate for bracket creep better, leaving the top two groups paying less than they did in 2018 and compensating the bottom three better than the original Stage 3.</p> <hr /> <p><iframe id="YG0cT" class="tc-infographic-datawrapper" style="border: none;" src="https://datawrapper.dwcdn.net/YG0cT/1/" width="100%" height="400px" frameborder="0"></iframe></p> <hr /> <p>Not too much should be made of the increase in tax rates in the lowest income group between 2018 ad 2024 because some of it reflects stronger income growth.</p> <p>We find that overall, the redesigned Stage 3 does a better job of offsetting bracket creep than the original. It is also better targeted to middle and upper-middle income households.</p> <p>Having said that, the average benefit in dollar terms isn’t big. At about $1,000 per year for middle and upper-middle income households and costing the budget about what the original Stage 3 tax cuts would have cost, its inflationary impact compared to the original looks modest.<!-- Below is The Conversation's page counter tag. Please DO NOT REMOVE. --><img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/221851/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /><!-- End of code. If you don't see any code above, please get new code from the Advanced tab after you click the republish button. The page counter does not collect any personal data. More info: https://theconversation.com/republishing-guidelines --></p> <p><a href="https://theconversation.com/profiles/ben-phillips-98866"><em>Ben Phillips</em></a><em>, Associate Professor, Centre for Social Research and Methods, Director, Centre for Economic Policy Research (CEPR), <a href="https://theconversation.com/institutions/australian-national-university-877">Australian National University</a></em></p> <p><em>Image credits: Shutterstock</em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/stage-3-stacks-up-the-rejigged-tax-cuts-help-fight-bracket-creep-and-boost-middle-and-upper-middle-households-221851">original article</a>.</em></p>

Money & Banking

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British expat cops backlash for calling Australia the "worst country in the world"

<p>British expat and former school teacher Sabrina "Bree" Collins, has faced backlash online after labelling Australia as the "worst country in the world". </p> <p>The former teacher, who is also a writer, went on an extensive rant on social media about her experience living in Queensland and why she hates it, and the video has since gone viral.</p> <p>"Australia has destroyed everything that I was before I came here and there's so much that's happened while I've here but it's not safe to go public with everything that's happened to me," she began her rant. </p> <p>Collins who moved to Australia from the UK, then shared her unsolicited advice for those hoping to migrate Down Under. </p> <p>"When you're a British woman on the other side of the world, you've really got to sit down and think was it worth it? </p> <p>"If you're a British person sat home in the UK and you're wondering about this fantastic life you could have in Australia, you need to know a few things first." </p> <p>She then went on to label Australia as "very sexist", "abusive", "isolated" and "behind".</p> <p>"The internet is like really behind, technology is behind.</p> <p>"When you are in Australia you feel really, really isolated. You feel like you're stuck in the 1980s, and if you're a woman it's even worse," she said.</p> <p>"And I know loads of people are going to contradict what I'm saying and say, 'I'm living a fantastic life in Australia, 'well look at me, look at my CV, look at all my accomplishments before I moved out to Australia, and look at the way I've been treated."</p> <p>The expat who has a masters degree in education, and more than five years experience as a teacher, has claimed that her career as a teacher was ruined due to the abuse she received.</p> <p>She claimed that as a result of the abuse, she now feels too frightened to set foot in a school in Australia. </p> <p>"And that's why I cannot see a purpose or reason to stay in Australia." </p> <p>She then went on to say that she hopes to move to a "more progressive country" like the US, and write a book about her experiences in Australia. </p> <p>Her video has not been well-received, with many telling her to leave clowning her for calling the US more progressive. </p> <p>"Please leave.. and don't trash my country. I've seen yours and you all come over for many reasons," one Aussie commented. </p> <p>"Don’t let the door hit you on your way out missy!! Bye Felicia," another wrote. </p> <p>"UK is far more worse than Australia mate. Have lived in both countries here is lot lot better," a third wrote.</p> <p>"Oh, boo hoo. Please move. As an American, it’s way more backwards than Australia," an American commented on her desire to move to the US. </p> <p>"You're going to exactly the right place for you. You’ll find the schools are really safe and the police...very safe country for women," another added sarcastically. </p> <p>Other's pointed out that she was living up to the British stereotype of a "whinging pom".</p> <p>Collins is not the only British expat to find issue with the way of life in Australia.</p> <p>A few months ago, another expat <a href="https://www.oversixty.com.au/travel/travel-trouble/please-don-t-be-mad-british-expat-s-bone-to-pick-with-australia" target="_blank" rel="noopener">went viral</a> for listing things she finds frustrating after living in Australia, although she pleaded for everyone's understanding.</p>

Travel Trouble

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How a secret plan 50 years ago changed Australia’s economy forever, in just one night

<p><em><a href="https://theconversation.com/profiles/alex-millmow-4462">Alex Millmow</a>, <a href="https://theconversation.com/institutions/federation-university-australia-780">Federation University Australia</a></em></p> <p>At a time when governments are timid, keener to announce <a href="https://www.pc.gov.au/inquiries/completed/productivity/report">reviews</a> than decisions, it’s refreshing to remember what happened 50 years ago today – on July 18 1973.</p> <p>Inflation had surged to <a href="https://www.datawrapper.de/_/vu9by/">14%</a>. Australia’s biggest customer, the United Kingdom, had joined the <a href="http://news.bbc.co.uk/onthisday/hi/dates/stories/january/1/newsid_2459000/2459167.stm">European Economic Community</a>, agreeing to buy products from it rather than Australia. And the newly formed Organisation of Arab Petroleum Exporting Countries had <a href="https://advisor.visualcapitalist.com/historical-oil-prices/">doubled</a> the price of oil.</p> <p>The tariffs imposed on imported goods to protect Australian manufacturers from competition were extraordinarily high. For clothing, they reached <a href="https://www.pc.gov.au/inquiries/completed/textile-clothing-footwear-1997/59tcf2.pdf">55%</a>; for motor vehicles, <a href="https://ro.uow.edu.au/cgi/viewcontent.cgi?article=1077&amp;context=commwkpapers">45%</a>.</p> <p>Then, with absolutely <a href="http://andrewleigh.org/pdf/Trade%20liberalisation%20and%20the%20ALP.pdf">no</a> public indication he had been considering anything as drastic, at 7pm on Wednesday July 18, the recently elected prime minister Gough Whitlam made an <a href="https://pmtranscripts.pmc.gov.au/sites/default/files/original/00002971_0.pdf">announcement</a>.</p> <h2>Every tariff cut by one quarter overnight</h2> <p>From midnight, all tariffs would be cut by 25%. As Whitlam put it: “each tariff will be reduced by one quarter of what it is now”.</p> <figure class="align-right "><figcaption></figcaption></figure> <p>If Australian businesses (and the Australian public) were caught by surprise, it was because Whitlam had planned the whole thing in secret.</p> <p>He had given a six-person committee just three weeks to work out the details.</p> <p>Although the committee was chaired by the head of the Tariff Board, Alf Rattigan, and included an official from Whitlam’s own department, the department of industry and the department of trade, it met in an obscure location in Canberra’s civic centre rather than in public service offices, where the project might be discovered.</p> <p>Not included in the committee was a representative of the treasury, which its then deputy head John Stone said “<a href="https://cdn.theconversation.com/static_files/files/2744/Stone__The_Inside_Story_of_Gough%E2%80%99s_Tariff_Cut__in_The_Australian__18_July_2003..pdf">knew nothing</a>” about what was unfolding.</p> <p>But driving the work of the committee were two academic outsiders – Fred Gruen, an economics professor at the Australian National University and adviser to Whitlam, and Brian Brogan, an economics lecturer at Monash University who was advising the trade minister, Jim Cairns.</p> <h2>Outsiders, not treasury insiders</h2> <p>As economists rather than bureaucrats, Gruen and Brogan were able to see benefits where others saw entrenched interests. Going to the tariff board and asking for extra tariffs, whenever it looked as if your prices might be undercut by imports, had become a reflex action for Australian businesses.</p> <p>In the words of <a href="https://esavic.org.au/385/images/2013_GaryBanks.pdf">Gary Banks</a> – later to become head of the successor to the tariff board, the Productivity Commission: “it was not a shameful thing for a conga line of industrialists to be seen wending its way to Canberra”.</p> <p>Tariffs were good for business owners, although bad for their customers, who had to pay much higher prices and often got <a href="https://www.afr.com/opinion/bill-scales-the-rise-and-fall-of-the-australian-car-manufacturing-industry-20171018-gz3ky4">worse goods</a>. They were also good for government – bringing in tax revenue.</p> <p>Whitlam was more interested in bringing down inflation. His announcement said increased competition would "have a salutary effect upon those who have taken advantage of shortages by unjustified price increases which have exploited the public".</p> <p>Any firm seriously hurt by the extra imports could apply to a newly established tribunal for assistance, but the tribunal "should not provide relief as a matter of course – that is, simply because the question of relief had been referred to it".</p> <p>So Whitlam offered “rationalisation assistance” to encourage firms to refocus their operations, and “compensation for closure” where that couldn’t be done and production had to cease.</p> <p>For displaced workers, the 7pm announcement offered anyone who lost their job retraining, as well as "a weekly amount equal to his [sic] average wage in the previous six months until he obtains or is found suitable alternative employment."</p> <p>Over the next seven years, manufacturing employment fell by <a href="https://www.bitre.gov.au/sites/default/files/report_136_CHAPTER_6_WEB_FA.pdf">80,000</a>, but few of those job losses were immediate. Fifteen months after the 25% tariff cut, fewer than <a href="https://www.jstor.org/stable/20634782?seq=10">6,000</a> people had claimed the wage replacement offered on the night of the announcement.</p> <p>When Whitlam went to the polls a year after the cut in the double dissolution election of May 1974, 122 university economists signed an <a href="https://pmtranscripts.pmc.gov.au/release/transcript-3267">open letter</a> of support.</p> <p>The letter said the general thrust of the government’s policy responses had been in the best interests of the nation as a whole, and added, "more importantly, we seriously doubt that the previous government would have had the wisdom or the courage to undertake it. It had certainly given no indication of moving in that direction while it was in power, even though the need for such policies had become obvious".</p> <p>In its later days in office, the Whitlam government was roundly criticised for its irresponsible public spending. Ironically, in its approach to tariffs in the 1970s, it had taken the first steps in a neoliberal direction that characterised western governments of the 1980s.</p> <p>By acting boldly after decades of inaction, Whitlam showed what a government could do. It was a lesson his Labor successor Bob Hawke took to heart a decade later, when he floated the dollar, revamped Australia’s tax system and put in place a series of further cuts that reduced tariffs to near zero.</p> <p>It’s something we see less of today.<!-- Below is The Conversation's page counter tag. Please DO NOT REMOVE. --><img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/209378/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /><!-- End of code. If you don't see any code above, please get new code from the Advanced tab after you click the republish button. The page counter does not collect any personal data. More info: https://theconversation.com/republishing-guidelines --></p> <p><em><a href="https://theconversation.com/profiles/alex-millmow-4462">Alex Millmow</a>, Senior Fellow, <a href="https://theconversation.com/institutions/federation-university-australia-780">Federation University 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/how-a-secret-plan-50-years-ago-changed-australias-economy-forever-in-just-one-night-209378">original article</a>.</em></p>

Money & Banking

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Queensland proposes ban on certain dog breeds

<p>Queensland is proposing stricter laws in a bid to bring down the number of dog attacks in the state.</p> <p>The laws would include increased jail time for owners after dog attacks, the potential banning of select breeds and for all dogs to be “effectively controlled” in public.</p> <p>The Palaszczuk government released a discussion paper on June 23 outlining the options as well as a survey asking Queenslanders to speak out about the issue before the legislation is put together.</p> <p>A significant number of dog attacks occurred in the state in April, with three children suffering severe injuries in separate incidents that involved several dogs.</p> <p>The major factor to consider for the paper is whether Queensland should ban animals from the Commonwealth’s restricted breed list, which would make owning them in any capacity illegal.</p> <p>The restricted dog breeds include the pit bull terrier, dogo argentino, fila brasilerio, japanese tosa and the presa canario.</p> <p>Currently, those who seek to own these breeds are required to apply for a permit, but that would be withdrawn if the proposed laws are put into place.</p> <p>The discussion paper says that any changes would include a “grandfather clause” that would allow individuals with a current permit to keep their pet.</p> <p>The government has also proposed to include imprisonment as a maximum penalty for more serious attacks.</p> <p>If an attack causes death or grievous bodily harm to a patron, according to present laws, the owner could be fined up to $43,125 but would not face jail time.</p> <p>“It is proposed to introduce a new criminal offence in the Act that captures conduct of an owner, or responsible person for a dog, who fails to take reasonable steps to effectively control their dog if the dog causes bodily harm, grievous bodily harm or death to a person,” the report states.</p> <p>“Including a proposed new offence for the most serious dog attacks would send a clear message to owners and people responsible for dogs that fail to take reasonable steps to protect people in the community from harm from serious dog attacks will not be tolerated.”</p> <p>The move would bring the state into line with the laws in the ACT, NSW, Victoria, NSW and Western Australia.</p> <p>In NSW, an owner who encourages a dangerous dog to attack another person faces up to five years in prison.</p> <p>Another proposal is to set up a new requirement for dogs to be “effectively controlled” in public, which would ban off-leash dog walking.</p> <p>“Effective control could be defined to include a person who is physically able to control the animal, it is on an appropriate leash and supervised or in a temporary enclosure adequate to contain the animal,” the paper reads.</p> <p>Instant fines would be issued to owners who failed to control their dogs in public and exceptions would be made for designated off-leash areas.</p> <p>Councils are urging for certain breeds to be banned and for tougher restrictions, according to Local Government Association of Queensland chief executive Alison Smith.</p> <p>“Ratepayers would be alarmed to know that Queensland councils are being forced to spend hundreds of thousands of dollars on legal fees because irresponsible owners are using the courts to drag out the fate of these dangerous animals after their dog has been impounded and a destruction order made,” she said.</p> <p>“For too long, irresponsible dog owners have been able to hold the community and councils to ransom. That needs to change.”</p> <p>Agricultural Industry Development Minister Mark Furner is calling on all Queenslanders to participate in the survey to “have their say” on the proposed reforms.</p> <p>“Community feedback on this discussion paper will be vital in drafting new legislation,” he said.</p> <p>“It is so important that we get this right to make sure any new laws meet community expectations.</p> <p><em>Image credit: Getty / Shutterstock</em></p>

Family & Pets

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Cost of living relief on the way for struggling Aussies

<p>As the ongoing cost of living crisis continues to affect hard-working Aussies, a series of changes set to be introduced by the government will ease the financial burden for a few select groups. </p> <p>As the new financial year begins on July 1st, a 15 per cent pay rise for aged care workers, cheaper childcare and changes to paid parental leave will come into effect. </p> <p>The policies promised in the last federal budget will come into effect, including electricity bill relief for some households and a small business incentive to help eligible companies become more energy efficient.</p> <p>Five million households will be eligible for up to $500 in power price relief while one million small businesses will be able to access up to $650.</p> <p>As well as this, eligibility for the first home guarantee and regional first home guarantee will now include any two borrowers beyond married and de facto couples.</p> <p>It will also apply to non-first home buyers who have not owned a property in Australia in the previous 10 years.</p> <p>Treasurer Jim Chalmers said the new measures are designed the help Aussies who are doing it tough. </p> <p>"The suite of policies which will start to roll out from Saturday, will make a real difference in the lives of millions of hardworking Australians while delivering an economic dividend and laying the foundations for future growth," he said.</p> <p>"Key policies like energy price relief will directly reduce inflation, while others like cheaper childcare and enhanced paid parental leave will boost the capacity of our economy."</p> <p><em>Image credits: Getty Images</em></p>

Money & Banking

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All-electric homes are better for your hip pocket and the planet. Here’s how governments can help us get off gas

<p><a href="https://theconversation.com/profiles/esther-suckling-1220357">Esther Suckling</a>, <em><a href="https://theconversation.com/institutions/grattan-institute-1168">Grattan Institute</a></em></p> <p>If every Australian household that uses gas went all-electric today, we would “save” more than 30 million tonnes of carbon dioxide emissions over the next ten years. That’s because there are more than <a href="https://www.energynetworks.com.au/resources/fact-sheets/reliable-and-clean-gas-for-australian-homes-2/">5 million households</a> on the gas network, and the <a href="https://grattan.edu.au/report/getting-off-gas">avoided emissions per home</a> ranges from 5-25 tonnes over the coming decade, depending on the location.</p> <p>Most people would spend less money on energy too. Electric appliances use less energy than gas appliances to do the same job, making them cheaper to run.</p> <p>Our <a href="https://grattan.edu.au/report/getting-off-gas">new report</a> shows how much most households can save by switching from gas to electricity for heating, hot water and cooking. The extra cash couldn’t come at a better time: about <a href="https://www.rmit.edu.au/news/all-news/2023/may/hidden-energy-poverty">a quarter of Australian households</a> say they found it difficult to pay their energy bills this year.</p> <p>But many households face hurdles that stop them, or make it hard for them, to go all-electric. Governments could make it easier for people and bring emissions-reduction targets closer to reality.</p> <h2>Most households save by upgrading to electric</h2> <figure class="align-center zoomable"><a href="https://images.theconversation.com/files/532139/original/file-20230615-29-h20bv5.png?ixlib=rb-1.1.0&amp;q=45&amp;auto=format&amp;w=1000&amp;fit=clip"><img src="https://images.theconversation.com/files/532139/original/file-20230615-29-h20bv5.png?ixlib=rb-1.1.0&amp;q=45&amp;auto=format&amp;w=754&amp;fit=clip" sizes="(min-width: 1466px) 754px, (max-width: 599px) 100vw, (min-width: 600px) 600px, 237px" srcset="https://images.theconversation.com/files/532139/original/file-20230615-29-h20bv5.png?ixlib=rb-1.1.0&amp;q=45&amp;auto=format&amp;w=600&amp;h=393&amp;fit=crop&amp;dpr=1 600w, https://images.theconversation.com/files/532139/original/file-20230615-29-h20bv5.png?ixlib=rb-1.1.0&amp;q=30&amp;auto=format&amp;w=600&amp;h=393&amp;fit=crop&amp;dpr=2 1200w, https://images.theconversation.com/files/532139/original/file-20230615-29-h20bv5.png?ixlib=rb-1.1.0&amp;q=15&amp;auto=format&amp;w=600&amp;h=393&amp;fit=crop&amp;dpr=3 1800w, https://images.theconversation.com/files/532139/original/file-20230615-29-h20bv5.png?ixlib=rb-1.1.0&amp;q=45&amp;auto=format&amp;w=754&amp;h=493&amp;fit=crop&amp;dpr=1 754w, https://images.theconversation.com/files/532139/original/file-20230615-29-h20bv5.png?ixlib=rb-1.1.0&amp;q=30&amp;auto=format&amp;w=754&amp;h=493&amp;fit=crop&amp;dpr=2 1508w, https://images.theconversation.com/files/532139/original/file-20230615-29-h20bv5.png?ixlib=rb-1.1.0&amp;q=15&amp;auto=format&amp;w=754&amp;h=493&amp;fit=crop&amp;dpr=3 2262w" alt="A chart showing estimated savings for each household switching from gas to electricity, over 10 years, in each capital city" /></a><figcaption><span class="caption">Over 10 years, the estimated savings for each household switching from gas to electricity range up to $13,900 in Melbourne. It’s a flat $3,890 figure for Brisbane, rather than a range, because there’s no gas heating.</span> <span class="attribution"><span class="source">Grattan Institute</span>, <span class="license">Author provided</span></span></figcaption></figure> <p>Households in Melbourne tend to use more gas than those in other mainland capitals, mainly because the winter is so cold. Our report found Melburnians who replace broken gas appliances with electric ones, or move into an all-electric home, could save up to A$13,900 over ten years. Households with rooftop solar will save even more.</p> <p>It’s a similar story in most parts of Australia except the west, where gas is relatively cheap. This mainly reflects differences in the historical development of the gas markets between the west and east coasts.</p> <p>Getting off gas could also be <a href="https://www1.racgp.org.au/ajgp/2022/december/health-risks-from-indoor-gas-appliances">good for your health</a>. Several studies link cooking with gas to <a href="https://www.nationalasthma.org.au/living-with-asthma/resources/patients-carers/factsheets/gas-stoves-and-asthma-in-children">childhood asthma</a>.</p> <p> </p> <h2>Households face a series of hurdles</h2> <p>Renters make up nearly a third of all households, and they have little or no control over the appliances that are installed. As most electric appliances cost more to buy than gas ones – and the subsequent bill savings flow to tenants – landlords have little incentive to upgrade their properties from gas to all-electric.</p> <p>Apartment living can increase the level of complexity. Multi-unit dwellings often bundle gas bills into body-corporate fees, limiting the occupants’ incentive to go all-electric. There can also be space constraints in these buildings. Centralised electric heat pumps, for example, take up more space than centralised gas water heaters.</p> <p>Then there are households that simply can’t afford the upgrade. Induction stoves and heat pumps are more expensive than their gas equivalents, by up to a combined $2,000. This initial outlay will soon be recovered by cheaper energy bills, but that doesn’t help households that don’t have the cash up front. The <a href="https://melbourneinstitute.unimelb.edu.au/data/taking-the-pulse-of-the-nation-2022/2023/energy-poverty">12% of households that skipped meals</a> to pay their energy bills in the past year are the most likely to remain locked into high gas bills.</p> <p>Some people also simply prefer cooking with gas. Some think induction cooktops will be no better than the poor-performing electric cooktops they may have used in the distant past. Others haven’t ever heard of a heat pump for hot water.</p> <h2>Here’s how governments can help</h2> <p>Governments, both state and federal, should lower the hurdles on the path to all-electric homes -– to reduce people’s cost of living and to cut carbon emissions.</p> <p>As a first step, state governments should ban new gas connections to homes. In 2021, more than 70,000 households joined the gas network. Trying to shift households off gas while allowing new connections is like pouring water into a bucket with a hole.</p> <p>Then, governments should provide landlords with tax write-offs on new induction stoves and heat pumps for hot water, for a limited time. After that, they should require every rental property to be all-electric. Governments should pay to upgrade public housing to all-electric, where they are the landlords. And they should pay not-for-profits managing community housing to do the same.</p> <p>The federal government should help all households to spread the cost of electric appliances over time. It should subsidise banks to offer low-interest loans for home electrification, via the Clean Energy Finance Corporation.</p> <p>And governments should set out to change people’s preferences, from gas to electric. They should embark on a multi-decade communication campaign, not unlike the campaign to upgrade from analogue to digital television in the early 2000s.</p> <p>A key challenge will be shifting people’s ideas about the best way to cook. There are precedents. In Gininderry, a new all-electric suburb of Canberra, one developer recruited chefs to run demonstrations on induction cooktops at the display village. The proportion of potential homebuyers <a href="https://ginninderry.com/wp-content/uploads/2021/08/Ginninderry-2017-Householder-Attitudes-to-Residential-Renewable-Energy-Futures.pdf">willing to consider buying an all-electric home</a> rose from 67% to 88%.</p> <figure><iframe src="https://www.youtube.com/embed/K9ytSh5TM9M?wmode=transparent&amp;start=0" width="440" height="260" frameborder="0" allowfullscreen="allowfullscreen"></iframe><figcaption><span class="caption">Induction cooking with Chef David Wei at Ginninderry.</span></figcaption></figure> <h2>‘Green gas’ is no panacea: electricity is cheaper</h2> <figure class="align-center zoomable"><a href="https://images.theconversation.com/files/532117/original/file-20230615-23-n0wdqe.png?ixlib=rb-1.1.0&amp;q=45&amp;auto=format&amp;w=1000&amp;fit=clip"><img src="https://images.theconversation.com/files/532117/original/file-20230615-23-n0wdqe.png?ixlib=rb-1.1.0&amp;q=45&amp;auto=format&amp;w=754&amp;fit=clip" sizes="(min-width: 1466px) 754px, (max-width: 599px) 100vw, (min-width: 600px) 600px, 237px" srcset="https://images.theconversation.com/files/532117/original/file-20230615-23-n0wdqe.png?ixlib=rb-1.1.0&amp;q=45&amp;auto=format&amp;w=600&amp;h=572&amp;fit=crop&amp;dpr=1 600w, https://images.theconversation.com/files/532117/original/file-20230615-23-n0wdqe.png?ixlib=rb-1.1.0&amp;q=30&amp;auto=format&amp;w=600&amp;h=572&amp;fit=crop&amp;dpr=2 1200w, https://images.theconversation.com/files/532117/original/file-20230615-23-n0wdqe.png?ixlib=rb-1.1.0&amp;q=15&amp;auto=format&amp;w=600&amp;h=572&amp;fit=crop&amp;dpr=3 1800w, https://images.theconversation.com/files/532117/original/file-20230615-23-n0wdqe.png?ixlib=rb-1.1.0&amp;q=45&amp;auto=format&amp;w=754&amp;h=719&amp;fit=crop&amp;dpr=1 754w, https://images.theconversation.com/files/532117/original/file-20230615-23-n0wdqe.png?ixlib=rb-1.1.0&amp;q=30&amp;auto=format&amp;w=754&amp;h=719&amp;fit=crop&amp;dpr=2 1508w, https://images.theconversation.com/files/532117/original/file-20230615-23-n0wdqe.png?ixlib=rb-1.1.0&amp;q=15&amp;auto=format&amp;w=754&amp;h=719&amp;fit=crop&amp;dpr=3 2262w" alt="Chart comparing the cost of hydrogen to electricity over time, showing hydrogen is more expensive and will remain so for decades" /></a><figcaption><span class="caption">Hydrogen is more expensive than electricity and will remain so for decades.</span> <span class="attribution"><span class="source">Grattan Institute</span>, <span class="license">Author provided</span></span></figcaption></figure> <p>The gas industry has another solution in mind: instead of switching from gas to electricity, it suggests using “green gas” -– biomethane or “green” hydrogen. Biomethane is chemically identical to natural gas, but is derived from biological materials such as food waste, sewage or agricultural waste. Green hydrogen is made by using electricity to split water into hydrogen and oxygen.</p> <p>But both options are <a href="https://theconversation.com/hydrogen-where-is-low-carbon-fuel-most-useful-for-decarbonisation-147696">too expensive and too far away</a>. Under the most generous of assumptions, green hydrogen will only become cost-competitive with electricity after 2045. And there is not enough biomethane commercially available to replace gas in households.</p> <p>Meanwhile, more than three million Australian homes already run on electricity alone.</p> <p>Getting the five million homes that use gas to the same point won’t be easy. But with good policy, it is doable. For households, and the climate, there is much to be gained.<!-- Below is The Conversation's page counter tag. Please DO NOT REMOVE. --><img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/207409/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /><!-- End of code. If you don't see any code above, please get new code from the Advanced tab after you click the republish button. The page counter does not collect any personal data. More info: https://theconversation.com/republishing-guidelines --></p> <p><a href="https://theconversation.com/profiles/esther-suckling-1220357">Esther Suckling</a>, Research Associate, <em><a href="https://theconversation.com/institutions/grattan-institute-1168">Grattan Institute</a></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/all-electric-homes-are-better-for-your-hip-pocket-and-the-planet-heres-how-governments-can-help-us-get-off-gas-207409">original article</a>.</em></p> <p><em>Images: Getty</em></p>

Real Estate

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Rod Stewart lists $105 million LA mansion

<p>Legendary rocker Rod Stewart has put his mega mansion on the market.</p> <p>The listing comes just days after the star’s former Malibu home was listed for an asking price of $49.5m (AU$74.2m), with the Wall Street Journal first reporting his current Los Angeles compound is asking for $70m (AU$105m).</p> <p>With a European style, situated in the gated enclave of North Beverly Park, the property spans 3,065 sqm with a pool and a soccer field.</p> <p>Although a soccer field is a rarity in LA, it’s no surprise Stewart, 78, is an avid soccer fan.</p> <p>The 78-year-old was even spotted in Malibu playing football with the Scottish national team on the beach after inviting them to play there.</p> <p>The Journal noted that according to sales records, Stewart purchased the property in 1991 for $12,08m. He also owns a home in Palm Beach, Florida.</p> <p>Images of the home showcase Old World-style finishes such as ceiling mouldings and medallions, Corinthian columns, crystal chandeliers and stunning marble floors in various patterns.</p> <p>The main house boasts nine bedrooms, one being the primary suite with a sitting room and a terrace that looks over the pool.</p> <p>The main wardrobe is also found in the primary suite — one large enough to store the rocker’s massive show collection.</p> <p>Elsewhere offers entertaining areas, including a flashy speak-easy with eye-catching jade green-painted walls.</p> <p>A main-floor great room showcases a bar and a loggia to spend time with guests outdoors.</p> <p>The listing also includes a three-stories-tall guest house with two gyms.</p> <p>Michelle Oliver of Douglas Elliman has the listing and declined to reveal why the British icon has decided to sell.</p> <p>She noted it is suitable for owners who are seeking “a return to maximalism” and for “something that looks different and stands out.”</p> <p><em>Image credit: Getty / Realtor.com</em></p>

Real Estate

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Tourist faces $10k fine for jumping into iconic harbour

<p>Footage surfaced online of the man leaping from Opera Bar, just a few metres away from the Opera House.</p> <p>While his jump was certainly surprising, what shocked viewers was the hefty fine the tourist could be slapped with following his return from the water.</p> <p>Security helped the man back over the harbour ledge before telling him the risky stunt could see him $10,000 poorer.</p> <p><iframe title="tiktok embed" src="https://cdn.embedly.com/widgets/media.html?src=https%3A%2F%2Fwww.tiktok.com%2Fembed%2Fv2%2F7235491102143401234&amp;display_name=tiktok&amp;url=https%3A%2F%2Fwww.tiktok.com%2F%40futuretravellers23%2Fvideo%2F7235491102143401234%3Flang%3Den&amp;image=https%3A%2F%2Fp16-sign-sg.tiktokcdn.com%2Fobj%2Ftos-alisg-p-0037%2Fo03m1enFIeAeQNC0aCDgjQIXDXzvbjDTIIabA4%3Fx-expires%3D1686200400%26x-signature%3DoWRm%252BIslhOfB81xvrV77sRxfWog%253D&amp;key=5b465a7e134d4f09b4e6901220de11f0&amp;type=text%2Fhtml&amp;schema=tiktok" width="340" height="700" frameborder="0" scrolling="no" allowfullscreen="allowfullscreen"></iframe></p> <p>“Well there's a very good reason why you've never seen anyone jump into the sea from the Opera House... I'll show you why,' Future Travellers said in a TikTok clip.</p> <p>In a second TikTok, the young man is seen talking to a group of police officers.<iframe title="tiktok embed" src="https://cdn.embedly.com/widgets/media.html?src=https%3A%2F%2Fwww.tiktok.com%2Fembed%2Fv2%2F7239141948261534984&amp;display_name=tiktok&amp;url=https%3A%2F%2Fwww.tiktok.com%2F%40futuretravellers23%2Fvideo%2F7239141948261534984%3Flang%3Den&amp;image=https%3A%2F%2Fp16-sign-sg.tiktokcdn.com%2Fobj%2Ftos-alisg-p-0037%2Fbc76967996de4cefb23cfe5e6930fddc_1685494092%3Fx-expires%3D1686200400%26x-signature%3DSY8QPztxLxbP%252FPfYm4itGUmYloE%253D&amp;key=5b465a7e134d4f09b4e6901220de11f0&amp;type=text%2Fhtml&amp;schema=tiktok" width="340" height="700" frameborder="0" scrolling="no" allowfullscreen="allowfullscreen"></iframe></p> <p> </p> <p>However, a number of viewers commenting about the eye-watering fine also noted it was the least of the swimmer’s worries.</p> <p>"I'm a Sydney gal and it's not the $10,000 that scares me, it's the huge bull sharks that lurk in those waters,' one person wrote.</p> <p>“It’s a busy shipping lane and if it was full of floating tourists the ferries couldn't run,” another said.</p> <p>“I'm sure if he got run over by ferry his family would be suing NSW government for compensation,” a third added.</p> <p>Others were skeptical of the large fine.</p> <p>The official fine for swimming around the Opera House is a maximum of $1,100 with the law stating a person must not “swim to and enter on any part of the Opera House premises or swim from any part of those premises”.</p> <p>Several others were impressed by the young man’s jump and slammed NSW for being a “nanny state”.</p> <p>“Welcome to Sydney, please do not do anything,” one person remarked.</p> <p>“This guy is an absolute legend,” another wrote.</p> <p>'Only $10,000 per dip? It's probably cheaper to live in the harbour than some apartments. Sign me up,' a third joked.</p> <p>“Australia has a fine for everything,” another claimed.</p> <p>Earlier footage of the risky trick was shared alongside a montage of the tourist showing his British mum around Australia.</p> <p>The first video left viewers astounded with one writing, “In all my life living in Sydney I've never seen anyone jump in at the opera house!”</p> <p><em>Image credit: TikTok</em></p>

Travel Trouble

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MP proposes schools remain open until night-time

<p>A NSW Liberal MP has proposed that Australian schools should remain open until 6pm to better accommodate “modern employment”.</p> <p>During his maiden speech to parliament, Member for Ryde Jordan Lane said that "local schools should become hubs for after-school activity”, where the government guarantees that a child can remain on school campuses after 3pm.</p> <p>"It affords parents flexibility, while at the same time making school a place for extracurricular excellence," he said.</p> <p>"By engaging providers and community organisations, we avoid overworking our tirelessly hardworking teachers but expose more children to rounded experiences, such as coding classes, culture and language, art, dance, music and sport.</p> <p>"I care deeply about the academic results that our students are able to achieve, and about ensuring they can compete on a global stage, but I care even more that our education system helps us to create a new generation of Australians with the content of character we need to be successful as a country.”</p> <p>The move could lead to an extra year of education as a result of the extended hours of teaching, Lane added.</p> <p>"Greater flexibility for parents, a productivity and employment boost to the state, financial relief from the high cost of child care and an injection of hope for potential but reluctant parents who, like me, struggle to rationalise how to afford, in terms of both time and money, children, a home and equal employability between partners," he said.</p> <p><em>Image credit: Getty / Instagram</em></p>

Legal

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Energy bill relief to benefit just one Aussie demographic

<p>Nearly half a million older Australians will receive hundreds of dollars in energy bill relief as the federal government looks to battle rising power prices.</p> <p>Social Services Minister Amanda Rishworth revealed that all Commonwealth seniors health card holders will be given up to $500 per household.</p> <p>The 490,000-plus recipients will include an extra 16,320 people granted access to the card after the federal government introduced higher income thresholds for eligibility in November 2022.</p> <p>The new income limits are $90,000 for singles and $144,000 (combined) for couples.</p> <p>The government claimed this would benefit 52,000 older people by 2026-27.</p> <p>Rishworth explained the energy relief would be available from July 2023.</p> <p>The Australian Energy Regulator (AER) released its final determination on May 25, with a revised price increase higher than the March draft that saw a 20 to 22 per cent rise.</p> <p>AER chair Clare Savage said it had been a “difficult decision” but high wholesale energy costs continued to hike up retail prices.</p> <p>“No one wants to see rising prices, and we recognise this is a difficult time, that’s why it’s important for consumers to shop around for a better deal,” she said.</p> <p>Following the AER’s announcement, Opposition Leader Peter Dutton appeared on <em>Today</em> and said Prime Minister Anthony Albanese had “lied” to Australians about energy prices.</p> <p>“Let’s be very clear about it, he promised on 97 occasions your bill would go down by $275,” he told <em>Today</em> host Karl Stefanovic.</p> <p>“I think the government’s completely underestimating how much families and small businesses are hurting at the moment.”</p> <p>The bill comes shortly after the Australian Energy Regulator revealed electric prices were set to increase by 25 per cent for about 600,000 customers across three states from July 1.</p> <p>The federal government’s latest budget committed to $3 billion in financial support for those struggling to pay their power bill.</p> <p><em>Image credit: Shutterstock</em></p>

Money & Banking

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Government will require bosses to pay workers their super on payday

<p><em><a href="https://theconversation.com/profiles/michelle-grattan-20316">Michelle Grattan</a>, <a href="https://theconversation.com/institutions/university-of-canberra-865">University of Canberra</a></em></p> <p>A government change requiring superannuation to be paid on payday could mean a young employee will be several thousand dollars better off by retirement.</p> <p>The reform – which will not come in until July 1 2026 – will benefit the retirement incomes of millions of Australians, according to Treasurer Jim Chalmers and Assistant Treasurer Stephen Jones.</p> <p>They give the example of a 25-year-old median income earner presently receiving their super quarterly and their wages each fortnight, who could be about $6000 (or 1.5%) better off when they retire.</p> <p>The ministers argue there will be benefits to bosses, as well as to the workers, in the change. “More frequent super payments will make employers’ payroll management smoother with fewer liabilities building up on their books.”</p> <p>They say payday super will mean employees can keep track of the payments more easily and it will be more difficult for disreputable employers to exploit them.</p> <p>“While most employers do the right thing, the Australian Taxation Office (ATO) estimates $3.4 billion worth of super went unpaid in 2019-20.”</p> <p>The ATO will get extra resourcing to help it detect unpaid super payments earlier. Treasury and the ATO will consult stakeholders on the changes later this year.</p> <p>The ministers say the July 1 2026 start will give employers, superannuation funds, payroll providers and other parts of the superannuation system enough time to get ready for the change.<!-- Below is The Conversation's page counter tag. Please DO NOT REMOVE. --><img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/204759/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /><!-- End of code. If you don't see any code above, please get new code from the Advanced tab after you click the republish button. The page counter does not collect any personal data. More info: https://theconversation.com/republishing-guidelines --></p> <p><em><a href="https://theconversation.com/profiles/michelle-grattan-20316">Michelle Grattan</a>, Professorial Fellow, <a href="https://theconversation.com/institutions/university-of-canberra-865">University of Canberra</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/government-will-require-bosses-to-pay-workers-their-super-on-payday-204759">original article</a>.</em></p>

Retirement Income

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“What am I going to do now?”: 77-year-old widow forced from her home

<p dir="ltr">When Rosemarie Earley lost her husband, Eric Earley, she’d already suffered enough heartbreak to last a lifetime.</p> <p dir="ltr">But her devastating situation wasn’t to end there, with the New South Wales government landing one more blow to the 77-year-old: she had to leave the home she and Eric had shared for almost 50 years. </p> <p dir="ltr">Rosemarie and Eric had moved in to their Pendlebury Parade property in the ‘70s, establishing themselves as well-known and well-loved fixtures of the street. </p> <p dir="ltr">However, it was their experience back then that seems to have caused Rosemarie’s present day trouble, with different rules and regulations surrounding whose name could be on the lease. </p> <p dir="ltr">As Rosemarie explained to <em>A Current Affair</em>’s Hannah Sinclair, the paperwork was “in my husband's name. Eric Earley. The females had no say in the matter back in those days. Everything was in the husband's name because he was classed as the breadwinner. We were just housewives.”</p> <p dir="ltr">Rosemarie and Eric had left England for a new and “better life for the family” in 1971, and were allocated their home by the government.</p> <p dir="ltr">"When we moved in it was an empty shell,” she said. “There were no carpets, no window fittings, not even lightbulbs. No soil. So we had to buy soil. </p> <p dir="ltr">“We bought a garage, we paid to have the gas connected, put the carpet [down] and everything else that was needed.</p> <p dir="ltr">"We were under the impression we were buying because the paperwork said we had been approved to purchase.”</p> <p dir="ltr">But this was not the case, as Rosemarie went on to explain. When their rent collector had dropped by, Eric had asked when the pair might be able to pay their deposit on the home, but was told they never would. </p> <p dir="ltr">“We were actually told by the man that came and did the inspection a couple of weeks after we moved in that, 'this is your house, you can stay here till you die'. That was his words," she recalled. </p> <p dir="ltr">It was a cruel reminder that Rosemarie was served in late 2022, when Eric passed away from heart failure at just 83 years old.</p> <p dir="ltr">In the wake of her devastating loss, Rosemarie contacted the government and applied to be recognised as a tenant. </p> <p dir="ltr">They had other ideas, and just a few months later, Rosemarie was informed the one level house with ramp access did not meet her needs anymore. </p> <p dir="ltr">“I was so happy when I finally signed the paperwork to say that I could live here and it was now in my name,” she said, “and then six weeks later or so, I got the letter saying that this house no longer meets my needs.</p> <p dir="ltr">"I don't understand why. Why couldn't they wait till my husband had been gone even 12 months, so that I would have acclimatised to being on my own? Why did it have to be four months?"</p> <p dir="ltr">Rosemarie went on to admit that she thinks Eric would be “devastated” to know what she was going through without him, admitting that “that was his one worry, that I wouldn't get treated properly when he died and that's what's happened. I'm not getting treated properly."</p> <p dir="ltr">"Can you believe that in 2023 as a woman you still don't have the same rights as your husband?</p> <p dir="ltr">"I don't know. Why are they still going by those rules? Why haven't they adapted to the fact that life now is in two names? Husband and wife, or man and woman. A partner.”</p> <p dir="ltr"><em>Images: A Current Affair / Nine</em></p>

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Oh buoy! British tourist learns a tough lesson in taking a drunken dip

<p>When this British tourist decided it would be a good idea to take a morning dip, he could not possibly have anticipated the way his day was going to go. </p> <p>In a clip that has taken the internet by storm, the holidaymaker was found clinging to a buoy at about 7 am in the morning, roughly 3.2 kilometres off the coast of Thailand near Pattaya. </p> <p>As to why he’d been out there so early in the first place? It had seemed like a “good idea”. </p> <p>The young man was reportedly intoxicated at the time of his discovery, when a boat passed by and he waved them down in his swimming shorts, seemingly hoping to catch a ride back to shore. </p> <p>After getting himself onboard, he took a moment to try and catch his breath, before informing the captain that his situation had arisen from him waking up and thinking a swim would be a good idea first thing. And before launching into some small talk with his saviour, he elaborated on his peculiar situation by adding, “I swim swim swim and then…”</p> <p><iframe style="border: none; overflow: hidden;" src="https://www.facebook.com/plugins/video.php?height=476&amp;href=https%3A%2F%2Fwww.facebook.com%2FNewsflare%2Fvideos%2F584202360137745%2F&amp;show_text=false&amp;width=380&amp;t=0" width="380" height="476" frameborder="0" scrolling="no" allowfullscreen="allowfullscreen"></iframe></p> <p>The boat’s captain, Charawat Rasrikrit, later reported that the young man appeared to be unhurt, and that he had been returned to his hotel. </p> <p>“I went to the temple early in the morning because it was a Buddhist holy day. I drove my boat and did not expect to see [a] tourist,” he admitted. “He was waving at me and said he could not swim back.</p> <p>“Maybe the Buddha took me to that area of the sea to help him. It was a holiday, not many boats would pass by him if I didn't come.</p> <p>“I see a lot of tourists get into trouble here. I thought that maybe he had been out partying the night before and was still in a good mood in the morning. He was probably still a little bit drunk. </p> <p>“A lot of tourists behave strangely when they come here.”</p> <p><em>Images: News Flare / Facebook</em></p>

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Millions of Aussies to be eligible for half-price medicines

<p>Massive changes are underway for millions of Aussies as the federal government is moving to cut the cost of prescription medicine.</p> <p>Health minister Mark Butler announced that patients will be able to double the number of scripts they can receive, from one month’s supply to two months.</p> <p>From September 1, general patients will be able to save up to $180 a year if their medicine can be prescribed for 2 months, concession card holders will save up to $43.80 per year on medicine.</p> <p>Under the reform, which is to be included in May’s budget, 320 different medicines treating chronic conditions such as cholesterol, heart disease and hypertension will be dispensed in 60-day doses rather than the current 30.</p> <p>They will still be subject to the current price caps, so instead of paying a maximum of $30 for a 30-day medicine supply, those affected will pay $40 at most for a 60-day supply.</p> <p>One of the ideas behind it is that Aussies won’t have to visit a doctor or pharmacist as often.</p> <p>The federal government said the change will bring Australia into line with other countries, including New Zealand and the UK, where patients already have access to multiple month medicines on a single prescription.</p> <p>"Every year, nearly a million Australians are forced to delay or go without a medicine that their doctor has told them is necessary for their health.</p> <p>"This cheaper medicines policy is safe, good for Australians' hip pockets and most importantly good for their health.”</p> <p>The overhaul of prescriptions has long been supported by the Australian Medical Association and was recommended by the indecent Pharmaceutical Benefits Advisory Committee in 2018.</p> <p>However, pharmacists have opposed the reform, with Pharmacy Guild saying the change would cost community chemists $3.5billion.</p> <p>Pharmacy Guild of Australia president Trent Twomey said the change does little to acknowledge a massive shortage in medications.</p> <p>“I'm all for cost-of-living relief and a cost-of-living measure but this, unfortunately, is just smoke and mirrors,' he told ABC TV.</p> <p>“If you don't have the medicine in stock, how do you give double nothing? Double nothing is still nothing.”</p> <p>Instead, the federal government needed to boost local manufacturing of pharmaceuticals to fix the medicine shortage, Twomey said.</p> <p>Dr Nick Coatsworth also agreed that the new policy could lead to major medication shortages for patients across Australia.</p> <p>“The medication shortage issue is not made up.</p> <p>“This policy could lead to Australians turning up to pharmacies and being turned away for medications they've been on for five-to-10 years,” he told Today.</p> <p>“I'm actually worried about this, it looks good at face value but I knew a lot about supply chains in Covid and Australians probably aren't quite aware of how ropey those supply chains are.</p> <p>“If we start giving people 60 days of medications instead of 30, people will miss out.”</p> <p>Opposition leader Peter Dutton has supported the Pharmacy Guild’s stance in an online video.</p> <p>"Many, particularly older Australians, but families as well, really rely on the relationship with their local pharmacist," he said.</p> <p>"The government's proposal at the moment is going to make it harder for pharmacists to do that work and have that relationship with their patients.”</p> <p>Nationals leader David Littleproud said regional, remote and rural Australians risked being impacted by the changes.</p> <p>"Thousands of Australians who need medications could suffer as a consequence, because doubling scripts for some might mean others miss out," he said.</p> <p>However, the reform has been supported by the Australian Medical Association, a doctor’s body, with vice president Danielle McMullen welcoming the change.</p> <p>“At the time we're talking about so many cost-of-living pressures, this will really ease the burden on patients across Australia,” she told Sunrise.</p> <p>“There are some situations of shortages in medicines at the moment but there will be a staged approach to this announcement to ease the burden on the shortages.”</p> <p>Health Minister Mark Butler said the changes will be launched in three states, each introducing around 100 medications.</p> <p>The first stage will commence on September 1 2023, with the second on March 1 2024, and the final on September 1 2024.</p> <p>Butler said the new prescriptions will reduce how often those living in rural areas need to travel for treatment and shed light on the issue of Aussies delaying or going without medicines they need due to high costs.</p> <p>“Every year, nearly a million Australians are forced to delay or go without a medicine that their doctor has told them is necessary for their health,” he said.</p> <p>“This cheaper medicines policy is safe, good for Australians' hip pockets and most importantly good for their health.”</p> <p>Butler rejected the idea that the scheme will cause widespread shortages, noting only seven medications on the list are currently scarce.</p> <p>From September 1, 60-day scripts will be available for the six million people prescribed the eligible medications.</p> <p><em>Image credit: Shutterstock</em></p>

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The most memorable coronations in British history

<p><strong>A Thousand Years of Coronations</strong></p> <p>On May 6, King Charles III will be crowned in Westminster Abbey with his consort, Queen Camilla. While Charles became King at the moment of the death of his mother, Queen Elizabeth II, on Sept. 8, 2022, the coronation ceremony serves to symbolize the monarch’s lifelong commitment to the roles of sovereign and supreme Governor of the Church of England. At the event, King Charles III will be crowned King of the United Kingdom and Commonwealth realms. He’ll be anointed with holy oil, and will swear to govern as a constitutional monarch according to the laws decided in parliament.</p> <p>While key traditions associated with modern royal weddings, christenings and jubilees date from Queen Victoria’s reign in the 19th century, the coronation service is much older. It was written by St. Dunstan, Archbishop of Canterbury in AD 973, and Westminster Abbey has been the setting for coronations since 1066. Charles III will be the 40th monarch to be crowned there.</p> <p>Despite centuries of past precedents, each monarch brings their own personal touch to their coronation, whether it’s spending lavishly or sticking to a budget, commissioning new music or new Crown Jewels, or, more recently, inviting television cameras into Westminster Abbey. Here are 12 memorable British royal coronations that shaped the history of the monarchy from medieval to modern times – including a few that did not go according to plan.</p> <p><strong>The Coronation of Queen Elizabeth II (1953) Coronation on television</strong></p> <p>The accession of the 25-year-old Queen Elizabeth II on Feb. 6, 1952, symbolised the beginning of “a new Elizabethan age” after the austerity of the Second World War. The decision to invite television cameras into Westminster Abbey to film the whole ceremony (except for the sacred anointing of the monarch) on June 2, 1953, seemed to bring the monarchy into the modern age, allowing audiences around the world to feel as though they were part of this landmark event. More than 250-million people watched on television as Queen Elizabeth II was crowned Queen of the United Kingdom and the Commonwealth realms, many purchasing television sets for the first time for the occasion and hosting coronation parties. In Westminster Abbey, the four-year-old future King Charles III attended the ceremony, seated between his aunt, Princess Margaret, and grandmother, Queen Elizabeth the Queen Mother.</p> <p><strong>The Coronation of King George VI (1937) A Change in King </strong></p> <p>While 16 months passed between Elizabeth II’s accession and coronation, her father, King George VI, didn’t have nearly so long to wait. When Edward VIII abdicated to marry the twice-divorced American Wallis Simpson, George VI succeeded his brother as King, and was crowned just five months later on Dec. 11, 1936 – the day originally scheduled for Edward’s coronation. Under the circumstances, the coronation followed past traditions to emphasise continuity, but there were a few significant departures. For the first time, the coronation was broadcast on the radio and film footage was shown in cinema newsreels. The coronation oath also changed to reflect the equal status of the United Kingdom and Dominions following the 1926 Balfour Declaration and 1931 Statute of Westminster. George VI swore “to govern the peoples of Great Britain, Ireland, Canada, Australia, New Zealand and the Union of South Africa, of your Possessions and the other Territories to any of them belonging or pertaining, and of your Empire of India, according to their respective laws and customs” – setting the tone for the development of the modern Commonwealth.</p> <p><strong>The Coronation of King George V (1911) A New Crown</strong></p> <p>St. Edward’s Crown has been used at coronations since 1661, but it wasn’t permanently set with precious stones until much more recently. (Instead, gems were loaned by jewellers to decorate the crown for individual coronations, then returned after the ceremony.) For his 1911 coronation, King George V and his consort, Queen Mary, arranged for the crown to be permanently set with 444 precious stones. Queen Mary purchased an Art Deco-inspired crown for her own crowning as Queen consort, and this will be used to crown Queen Camilla at Charles III’s coronation.</p> <p>George V’s coronation was also notable for the additional events planned around the coronation to showcase the British Empire and the Royal Navy. There was a Coronation Naval Review of the Fleet, which attracted a quarter-million spectators, and a Festival of Empire, which included “Inter-Empire Championships,” the forerunner of the modern Commonwealth Games.</p> <p><strong>The Coronation of King Edward VII (1902) A Medical Emergency</strong></p> <p>When Queen Victoria’s eldest son succeeded to throne in 1901 as King Edward VII at the age of 59, planning his coronation was a challenge. So much time had passed since Victoria’s coronation in 1838 that few people remembered how the ceremony should unfold. Luckily, Victoria’s elderly cousin, Princess Augusta of Cambridge was on hand to provide valuable insights for the planning committee.</p> <p>Once the plans were in place, they were derailed by a medical emergency. Just two days before the planned coronation on June 26, 1902, Edward VII underwent an emergency operation for appendicitis on a table in the music room of Buckingham Palace. The coronation was rescheduled to Aug. 9. Despite his uncertain health, Edward VII refused suggestions that the ceremony, including the anointing, be condensed, stating, “If I am going to be done, I am going to be done properly.”</p> <p><strong>The Coronation of Queen Victoria (1838) Leftovers in Westminster Abbey</strong></p> <p>The coronation of the 19-year-old Queen Victoria on June 28, 1838, took place without a rehearsal, resulting in numerous mishaps. When the Queen entered St. Edward’s chapel in Westminster Abbey, she found half-eaten sandwiches and empty bottles of wine on the altar, which had been enjoyed by guests involved in the ceremony including Prime Minister Lord Melbourne. An 82-year-old peer named Lord Rolle stumbled on the steps before the throne while paying homage to the Queen and rolled backward, regaining his footing with the Queen’s assistance. Queen Victoria noted another uncomfortable moment in her journal: “The Archbishop had (most awkwardly) put the [coronation] ring on the wrong finger, and the consequence was that I had the greatest difficulty to take it off again, which I at last did with great pain.”</p> <p>The young Queen’s calm demeanour and good humour during all these unfortunate moments endeared her to the public. Throughout her long reign, Victoria would ensure royal ceremonies were better organized, introducing innovations that continue to the present day.</p> <p><strong>The Coronation of King William IV (1831) The Half-Crown Nation</strong></p> <p>Queen Victoria’s uncle, William IV, was a retired naval officer who had no interest in royal ceremony. Over the course of his seven-year reign, he repeatedly tried to give away Buckingham Palace. (Neither the navy nor parliament was interested.) After first questioning whether a coronation was necessary at all, William ultimately conceded to a simplified ceremony. He agreed to travel to Westminster Abbey in the gold state coach (above) commissioned for the coronation of his father, King George III, but he refused to allow a coronation banquet and wore his admiral’s uniform rather than ceremonial dress. Tory members of parliament who objected to the comparative absence of pomp and circumstance nicknamed the ceremony, “The Half-Crown Nation.”</p> <p><strong>The Coronation of King George IV (1821) No Invitation for the Queen Consort</strong></p> <p>William IV’s determination to hold a coronation on a budget may have been an effort to distance himself from his unpopular older brother (and predecessor), George IV. Known for his lavish spending, George IV had the most expensive coronation in British history, complete with a new crown decorated with 12,000 diamonds. An enthusiastic collector of French art and furnishings, he also commissioned an exact replica of Napoleon Bonaparte’s lavish coronation robes from a workshop in Paris – a controversial decision in the aftermath of the Napoleonic Wars.</p> <p>His coronation would not be remembered for its pageantry, however, but for the King’s refusal to invite the Queen consort to the ceremony. When George IV’s estranged wife, Caroline of Brunswick, arrived at Westminster Hall, she was told by the doorman that she could not enter without a ticket. Her efforts to find another entrance were blocked by a line of soldiers. After arguing with numerous officials, the uncrowned consort departed in her carriage as the crowds chanted, “Shame! Shame!” She died two weeks later.</p> <p><strong>The Coronation of King George II (1727) Coronation Anthems</strong></p> <p>The coronation of George IV’s great-grandfather, George II, also included extravagant fashions. George II’s Queen consort, Caroline of Ansbach, wore a dress so heavily encrusted with jewels that she required a pulley to lift the skirt so that she could kneel to take communion during the ceremony. The enduring legacy of George II’s coronation, however, was the composition of four choral coronation anthems by George Frederic Handel. The most famous of these anthems, Zadok the Priest, has been sung before the anointing at every subsequent monarch’s coronation.</p> <p>In 2023, Charles III followed in George II’s footsteps by commissioning new coronation anthems. There will 12 original compositions performed at Charles III’s coronation, including an anthem by Andrew Lloyd Weber.</p> <p><strong>The Coronation of Charles II (1661) New Crown Jewels</strong></p> <p>The English Civil Wars left the country without a king for 11 years. When Charles II returned to England to reclaim the throne in 1660, a coronation was essential to symbolise the restoration of the monarchy. Unfortunately, only one piece of coronation regalia had survived: the silver anointing spoon acquired by Henry II or his son Richard the Lionheart in the 12th century. Recognising the urgent need for new Crown Jewels, Charles II commissioned a new St. Edward’s Crown, orb and sceptre from his goldsmith, Sir Edward Vyner – then defaulted on the payments for the regalia following the Stop of the Exchequer in 1672, when the state defaulted on its debts.</p> <p>After the ceremony, the new Crown Jewels were stored in the Tower of London, where they made a tempting target for thieves. In 1671, an Anglo-Irish officer by the name of Colonel Thomas Blood gained access to the Tower of London disguised as clergyman, overpowered the Master of the Jewel House and stole St. Edward’s Crown. Blood was apprehended on Tower Wharf, shouting, “It was a gallant attempt, however unsuccessful! It was for a crown!” Security at the Tower of London would improve, but attempts to steal the Crown Jewels continue to this day.</p> <p><strong>The Coronation of Henry III (1216 and 1220) Two Coronations</strong></p> <p>Charles II wasn’t the only king who scrambled to find a crown in time for his coronation. When Henry III succeeded his father, the villainous King John, at the age of nine, he was left without royal regalia. (John had lost the Crown Jewels when his baggage train overturned in a marsh in 1215, as he hurried to flee rebel barons and a French invasion after repudiating Magna Carta earlier that year.)</p> <p>The First Barons’ War was still raging when John died suddenly in 1216. With rebel barons and a French army occupying London, Westminster Abbey was not available as a coronation venue. Henry’s supporters hastily organized a ceremony at Gloucester Cathedral where the boy king was crowned with one of his mother’s circlets just 10 days after his father’s death. Neither the young king nor his regents thought this coronation was sufficient to guarantee a monarch’s authority in tumultuous times, so after the First Barons’ War ended and the French were defeated, the teenaged Henry petitioned the Pope for permission to be crowned again. In 1220, Henry III received a traditional coronation at Westminster Abbey.</p> <p><strong>The Coronation of King William I (1066) Riot on Coronation Day</strong></p> <p>After William, Duke of Normandy defeated the last Anglo-Saxon English King Harold II at the Battle of Hastings in 1066, he was crowned King William I at Westminster Abbey on Christmas Day. When the bishops performing the ceremony asked the English people if they accepted their new King, the crowds shouted their approval – in English. Unfortunately, William’s guards spoke only Norman French and thought they were hearing an assassination attempt. The guards began attacking the crowds and set fire to nearby buildings. Inside Westminster Abbey, the coronation guests panicked and stampeded out of the Abbey before the ceremony was over. The riot at the coronation left the new king so concerned about his personal security that he ordered the construction of the Tower of London as a royal residence, fortress and prison; a historic site which still stands today.</p> <p><strong>The Coronation of Edgar the Peaceable (973) 1000 Years of Monarchy</strong></p> <p>In 973, St. Dunstan, Archbishop of Canterbury, wrote the coronation service for the crowning of the Anglo-Saxon King of England, Edgar the Peaceable, and his consort, Aelfthryth, at Bath Abbey. The ceremony marked the zenith of Edgar’s reign rather than its beginning. By 973, Edgar had been king for 14 years, taking advantage of a lull in Viking attacks to acquire more ships and reform the monasteries.</p> <p style="box-sizing: border-box; border: 0px; font-size: 16px; margin: 0px 0px 20px; outline: 0px; padding: 0px; vertical-align: baseline; line-height: 26px; color: #444444; background-color: #ffffff; font-family: Raleway, sans-serif, 'Helvetica Neue', Helvetica, Arial !important;">In 1973, Queen Elizabeth II, Prince Philip and their children attended a service at Bath Abbey to mark the 1000th anniversary of Edgar the Peaceable’s coronation. When King Charles III is crowned, he will be following in the footsteps of a thousand years of kings and queens who pledged their lifelong commitment to their people in a coronation ceremony.</p> <p style="font-size: 16px; box-sizing: border-box; border: 0px; margin: 0px 0px 20px; outline: 0px; padding: 0px; vertical-align: baseline; line-height: 26px; color: #444444; background-color: #ffffff; font-family: Raleway, sans-serif, 'Helvetica Neue', Helvetica, Arial !important;"><em>Image credits: Getty/Shutterstock</em></p> <p style="font-size: 16px; box-sizing: border-box; border: 0px; margin: 0px 0px 20px; outline: 0px; padding: 0px; vertical-align: baseline; line-height: 26px; color: #444444; background-color: #ffffff; font-family: Raleway, sans-serif, 'Helvetica Neue', Helvetica, Arial !important;"><em>This article originally appeared on <a href="https://www.readersdigest.com.au/culture/the-most-memorable-coronations-in-british-history?pages=2" target="_blank" rel="noopener">Reader's Digest</a>. </em></p>

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