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Anti-cellulite products are big business – but here’s what the science says

<div class="theconversation-article-body"><a href="https://theconversation.com/profiles/rebecca-shepherd-423135">Rebecca Shepherd</a>, <em><a href="https://theconversation.com/institutions/university-of-bristol-1211">University of Bristol</a></em></p> <p>Although <a href="https://onlinelibrary.wiley.com/doi/full/10.1111/jocd.14815">90% of women have cellulite</a>, we’re yet to see it represented as a normal anatomical characteristic in popular culture. In Greta Gerwig’s 2023 Hollywood blockbuster, for instance, Stereotypical Barbie, played by Margot Robbie, develops dimples on her upper thigh as part of her existential crisis – along with other human faults such as halitosis, flat feet and irrepressible thoughts of death.</p> <p>When Stereotypical Barbie asks doll sage Weird Barbie what the dimples are, she explains: “That’s cellulite. That’s going to spread everywhere. Then you’re going to start getting sad and mushy and complicated.” Barbie’s perfect smooth plastic perfection is marred.</p> <p>Despite its prevalence, then, cellulite has been constructed as a flaw in need of correction. Consumers, it seems, agree, especially when fed a diet of the <a href="https://www.tandfonline.com/doi/full/10.1080/21604851.2021.1913827">photoshop smoothed skin</a> of models, social media influencers – and Hollywood stars.</p> <figure><iframe src="https://www.youtube.com/embed/rmThigh1i8s?wmode=transparent&amp;start=0" width="440" height="260" frameborder="0" allowfullscreen="allowfullscreen"></iframe><figcaption><span class="caption">“NO!” Barbie shouts when Weird Barbie tells her she has cellulite.</span></figcaption></figure> <p>Cellulite’s usually found in areas that have greater amounts of subcutaneous fat, when fat deposits push through the connective tissue beneath the skin, leading to a lumpy appearance. It is common, <a href="https://www.sciencedirect.com/science/article/pii/S0738081X1300076X?via%3Dihub">usually painless</a> and harmless.</p> <p>The human skin is the <a href="https://theconversation.com/the-skin-is-a-very-important-and-our-largest-organ-what-does-it-do-91515">body’s largest organ</a>, made up of three layers. At the surface, the epidermis acts as our first line of defence against the environment. This outermost, impermeable layer is made up of cells that are constantly renewed and shed, protecting our body from external elements.</p> <p>Beneath the epidermis lies the dermis, a robust layer containing fibroblasts, the cells responsible for producing essential proteins such as collagen and elastin. These proteins provide structure and elasticity, contributing to the skin’s strength and flexibility.</p> <p>Deeper still is the hypodermis, also known as the subcutaneous layer. This layer is rich in adipose tissue – mostly made up of fat, which plays a crucial role in cushioning and insulating the body, as well as storing fat that can be used when needed. Beneath these three layers of skin, there is muscle. Running from the muscle to the dermis are <a href="https://journals.lww.com/amjdermatopathology/fulltext/2000/02000/cellulite__from_standing_fat_herniation_to.7.aspx">bands of connective tissue</a>, that holds the adipose tissue in “pockets”.</p> <p>Cellulite does not affect health, although some people report that it affects their <a href="https://www.tandfonline.com/doi/abs/10.1080/07853890.2018.1561731">self-esteem and body image</a> but that’s more to do with the social pressure on women to be physically perfect – or spend money, time and energy trying to be as close to perfect as possible.</p> <p>Cellulite, then, has become big business for the beauty industry. In the lead up to summer especially, companies will promote <a href="https://www.asa.org.uk/advice-online/weight-control-cellulite.html">all manner of products</a> from creams and serums to gadgets and pills, all aimed at creating perfectly smooth limbs. The most popular question seems to be, “Do these treatments work?” but as an anatomist I think the more pressing question is, “Why are healthy women’s bodies considered something to treat, cure or correct?”</p> <p>The beauty and wellness industry has long capitalised on societal standards of beauty. The idea that cellulite is undesirable and <a href="https://journals.lww.com/dermatologicsurgery/abstract/1978/03000/So_Called_Cellulite.9.aspx">should be corrected</a> has been perpetuated since Vogue magazine was the <a href="https://archive.vogue.com/article/1968/4/cellulite-the-new-word-for-fat-you-couldnt-lose-before">first English language magazine</a> to use the term “cellulite”, introducing the concept to thousands of women. This marketing strategy taps into the insecurities of consumers, particularly women, and promotes an endless pursuit of “perfection” for bodies that have normal anatomical variation.</p> <p>By framing cellulite as a condition that needs treatment, companies can sell a wide range of products and services, bolstered by celebrity endorsements, which lend credibility and aspirational value to pseudo-medical “smoothing” products. However, there is limited scientific evidence supporting the effectiveness of these supplements in treating cellulite. In fact, the <a href="https://onlinelibrary.wiley.com/doi/10.1111/j.1524-4725.1978.tb00416.x">first scientific paper</a> on cellulite, published in 1978, referred to it as “so called cellulite: the invented disease”.</p> <p>Recent product launches include, <a href="https://lemmelive.com/en-gb/products/lemme-smooth-capsules?variant=45597048111318">Lemme Smooth</a>, Kourtney Kardashian-Barker’s latest addition to her vitamin and supplement range. The product’s promotional materials claim that the capsule “visibly reduces cellulite in 28 days”. But what does the science tell us?</p> <p>Supplements like Lemme Smooth claim to improve skin texture and reduce cellulite from within. Kardashian-Barker’s supplement contains a mixture of <a href="https://link.springer.com/article/10.1007/s10298-015-0977-4">french cantaloupe melon</a>, hyaluronic acid, chromium and vitamin C among other ingredients. The body’s ability to absorb and utilise these ingredients in a way that would impact cellulite is still a subject of debate.</p> <p>There is evidence that <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC4110621/#:%7E:text=In%20a%20randomized%2C%20double%2Dblind,in%20part%2C%20to%20the%20skin.">ingested hyaluronic acid</a> can migrate into the skin, stimulating the production of collagens within the dermis – and vitamin C has been shown to <a href="https://www.nature.com/articles/s41598-020-72704-1">thicken the surface layer</a> of the skin. However, the lack of standardisation in testing for the use of these ingredients in the treatment of cellulite means it’s still not clear if they will have a <a href="https://onlinelibrary.wiley.com/doi/10.1111/j.1467-2494.2006.00318.x">significant effect</a>.</p> <p>Other products marketed to reduce the appearance of cellulite include topical creams and lotions, containing ingredients like <a href="https://karger.com/books/book/763/chapter-abstract/5600478/Specific-Use-Cosmeceuticals-for-Body-Skin-Texture?redirectedFrom=fulltext">caffeine, retinol, and herbal extracts</a>. Cosmetic products are not able to penetrate the epidermis enough to significantly affect the underlying fat deposits and connective tissue.</p> <p>Some invasive treatments, such as <a href="https://www.aad.org/public/cosmetic/fat-removal/cellulite-treatments-what-really-works">laser therapy, subcision, and acoustic wave therapy</a> can offer more promising results. These procedures work by breaking down the connective tissue bands that cause dimpling and stimulating collagen production in the dermis to improve skin elasticity. While these methods <a href="https://www.aad.org/public/cosmetic/fat-removal/cellulite-treatments-what-really-works">may be more effective</a>, they are often expensive, require multiple sessions to achieve results – and aren’t without risk.</p> <p>Maintaining a healthy diet, drinking lots of water, and regular physical activity can help improve the overall appearance of the skin and reduce the visibility of cellulite. Losing weight and strengthening the muscles in the legs, buttocks and abdomen may make cellulite less noticeable, but it won’t make it <a href="https://jndc-chemistryarticles.info/ijn/article/318">disappear altogether</a>.</p> <p>The bottom line, though, is that cellulite does not need to be treated. It’s a normal anatomical variation that’s been transformed into a condition driving a lucrative market for cures <a href="https://link.springer.com/article/10.1007/s40257-015-0129-5">that don’t exist</a>.</p> <p>My top expert advice in the run up to summer? Be wary of claims from cosmetic companies and save your money.</p> <hr /> <p><em>The Conversation has approached the Lemme Live brand for comment.</em><!-- 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/232318/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/rebecca-shepherd-423135">Rebecca Shepherd</a>, Senior Lecturer in Human Anatomy, School of Anatomy, <a href="https://theconversation.com/institutions/university-of-bristol-1211">University of Bristol</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/anti-cellulite-products-are-big-business-but-heres-what-the-science-says-232318">original article</a>.</em></p> </div>

Body

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Woman’s “selfish” business class upgrade divides the internet

<p dir="ltr">A woman has divided the internet after telling how she snagged an upgrade on her way home from a holiday, leaving her partner and his child in economy. </p> <p dir="ltr">The 30-year-old woman shared the story of how she landed the controversial upgrade, but explained to her social media followers that there is more to the story than meets the eye. </p> <p dir="ltr">She began by explaining that she had booked a 10-day holiday with her partner, who she called Matt, who she had been dating for one year. </p> <p dir="ltr">The couple wanted to spend some time together, but were joined by Matt’s younger son, who she called Alex, from his previous relationship. </p> <p dir="ltr">“Every now and then I would look after Alex when Matt was at work — we don’t live together but they stay at mine every now and then,” the woman explained.</p> <p dir="ltr">Due to family circumstances, Alex had to join the couple on holiday, as she explained, “The flights were over eight hours long and I have booked the tickets for all of us.”  </p> <p dir="ltr">During the flight to their destination, and throughout their whole holiday, the woman explained that she spent most of the time looking after Alex while Matt had “the time of his life”. </p> <p dir="ltr">While the couple were on holiday, the woman discovered that Matt had been unfaithful, and had been cheating on her through most of their relationship. </p> <p dir="ltr">“Some things came to my attention — he was still seeing his ex — which resulted in us breaking up at the end of our stay,” she said.</p> <p dir="ltr">On the flight back home, the three were sitting together when a flight attendant approached her ex, asking if he wanted an upgrade to business class, but before he could respond, the woman interjected.</p> <p dir="ltr">“I mentioned it was me who bought the tickets and used my own account to pay for them, so an upgrade should go to me,” she said.</p> <p dir="ltr">“The flight attendant was trying to argue at first, as she assumed Alex was my child.”</p> <p dir="ltr">“But I told her that’s not the case, and ended up having an upgrade so I can relax after spending all this time looking after Alex.”</p> <p dir="ltr">When they landed, Matt made comments the woman had been “an a**hole” and “selfish”, while some passengers made similar comments. </p> <p dir="ltr">The woman shared the story to Reddit, asking social media users if she was in the wrong by taking the upgrade and was met with mixed responses. </p> <p dir="ltr">One person said, “Damn that sucks... paying for a flight, in a breakup, taking care of a child on YOUR vacation. You by no means are the a******, hell the audacity of the ex is unbelievable. It just p***es me off so much that I can’t even begin to imagine your frustration.” </p> <p dir="ltr">Another added, “I bet it was nice to put some space between you and your brand new ex with such a long flight, too. What was he going to do, take the upgrade and leave his young kid with the woman who he just broke up with? There’s no world in which that makes any kind of sense.”</p> <p dir="ltr">Others suggested the biggest culprit in the situation was actually the flight attendant.</p> <p dir="ltr">“Why would it be ok to leave the mum with the kid but not the dad? Why did they not first offer it to the person who bought the tickets as that’s where the priority should’ve been?” one said.</p> <p dir="ltr">Meanwhile, one person pointed out: “Let this be a lesson."</p> <p dir="ltr">“Never take care of someone’s kid your whole holiday and let them have the time of their lives. You should have let him handle everything concerning his kid except some play time. I would be fuming.”</p> <p dir="ltr"><em>Image credits: Shutterstock</em></p>

Travel Trouble

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"You've been bumped": Vietnam vet slams Qantas for booting him from business class

<p dir="ltr">Qantas has come under fire for booting a Vietnam war veteran from his paid seat in business class so that a young Qantas "tech" – later revealed to be a pilot – could travel in the luxury seat in his place.</p> <p dir="ltr">Stephen Jones, 78, and his wife were travelling home to Adelaide after a holiday in Christchurch. Their flight was passing through Melbourne on its way to their home in Adelaide, and the pair were enjoying coffee in the Melbourne airport lounge – just 30 minutes before they were set to continue their journey – when they were given the bad news by Qantas staff.</p> <p dir="ltr">"I went up to the desk and the Qantas employee there said, 'I've got some bad news for you, you've been bumped'," Mr Jones told Melbourne’s <em><a href="https://www.3aw.com.au/vietnam-war-veteran-booted-from-business-class-for-younger-qantas-employee/">3AW</a></em> radio program with Ross & Russ. </p> <p dir="ltr">"It didn't register at first," continued Mr Jones. "I wasn't quite sure what 'bumped' meant... I said, 'What?', and she said, 'Yes, I'll have to re-issue your ticket for economy class. We have a tech who's flying to Adelaide and his contract states that he must fly Business Class."</p> <p dir="ltr">Mr Jones then explained that while he retreated to his economy seat, the Qantas employee was seated next to his wife up in business class, and that "he wouldn't even look at her".</p> <p dir="ltr">Mr Jones went on to explain that, after filing a letter of complaint, he was offered 5000 Frequent Flyer points in return for the downgrade and an apology.</p> <p dir="ltr">Mr Jones, who served in Vietnam in a combat unit in the 1960s, claimed he turned down the offer of 5000 points, saying, “I don’t think anything is going to change until there’s ramifications for Qantas, or costs for Qantas when they upset their customers.”</p> <p dir="ltr">Justin Lawrence, Partner at Henderson Ball Lawyers, later told the 3AW radio show hosts that there’s little customers can do about such a move by the airline and said it was “standard operating procedure”.</p> <p dir="ltr">“Unfortunately, their terms of carriage allow them to do this sort of thing – this happens so often they’ve actually got a term for it, buckle up, they call this 'involuntary downgrading,'” he said.</p> <p dir="ltr">“They’ll overprescribe business class or first class, they will need to bump someone out, and they’ll do it almost immediately prior to the flight – not just Qantas, they all do it."</p> <p dir="ltr">“Any time you go to a travel agent or online to Qantas to buy a seat, and we think we’re buying a seat in a particular class, there are no guarantees that when that plane takes off, you’ll be sitting in that class.”</p> <p dir="ltr">Mr Jones said he understood that Qantas pilots were entitled to rest comfortably on their way to another flight, but the ordeal was “unsettling and made me a little irritable”.</p> <p dir="ltr"><em>Image credits: Getty Images</em></p>

Travel Trouble

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Kochie and Karl team up for a new business venture

<p>David Koch and Karl Stefanovic has reportedly put their differences aside after a long-running rivalry, as they contemplate embarking on a new business venture together. </p> <p>After hosting rival morning television shows for decades, Kochie and Karl have squashed their beef with each other after Kochie retired from <em>Sunrise</em> earlier this year after 21 years on the air. </p> <p>Kochie chatted candidly on a recent episode of the <em>Something to Talk About</em> podcast, sharing details of his complicated relationships with Karl.</p> <p>He said despite running in similar circles due to the nature of their careers, they were never close friends. </p> <p>However, after Kochie left <em>Sunrise</em>, the pair caught up for a lunch date, and were joined by Kochie's old co-host Nat Barr. </p> <p>"Would you believe the two weeks after finishing on <em>Sunrise</em>, Karl and I and Nat had lunch together?" he said. </p> <p>"I’ve come across Karl a number of times at different functions – really nice bloke, incredibly respectful, didn’t know him much at all."</p> <p>But, it appears the two have now hit it off, as they are contemplating starting a podcast together. </p> <p>Kochie continued, "So we had lunch together and he’s talking about wanting to do a podcast together, funnily enough, so something might come of it."</p> <p>The 67-year-old was the the longest-serving breakfast TV anchor in Australian history when he left <em>Sunrise</em> two months ago. </p> <p>He was replaced by former professional sprinter Matt 'Shirvo' Shirvington, who had been filling in for Kochie for several years.</p> <p>Karl has been the host of the <em>Today</em> show for 14 years, beginning his hosting journey alongside Tracy Grimshaw in 2005. </p> <p><em>Image credits: Today / Sunrise </em></p>

TV

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"The last male sanctuary": Barber shop campaigns to formally ban women

<p>An Adelaide barber shop which prides itself as "the last male sanctuary", has applied for an exemption to the Equal Opportunity Act, which, once approved, will allow it to formally ban women. </p> <p>The team behind Robbie's Chop Shop took to Instagram to ask over 42,800 of their followers to help with their application to Equal Opportunity SA. </p> <p>In their first pinned post on Instagram, the barber shop posted a photo of the letter explaining that they have applied for an exemption following a complaint made to the commission about their request for women to observe that it is a male-only business. </p> <p>"Unfortunately, this is not the first complaint of this type that we have received, so in order to deal with them once and for all, we have decided to make an application for an exemption to the Equal Opportunity Act," they wrote in the letter. </p> <p>They added that the business prides itself in being able to provide "a safe space for men to discuss their issues", so they applied for the exemption to deal with the complaints once and for all. </p> <p>The business believes that they are "not in breach of the act" if they are able to obtain this exemption. </p> <p>"As part of our application, we would like to include statements from you, our loyal and valued customers, that explain why you love Robbie's Chop Shop, and why you feel that is so important for Robbie's Chop Shop to be a safe space for men to come together and discuss their issues," they pleaded. </p> <p>Their plea has divided followers, while some men and women agreed with them, others seem to disagree with their stance. </p> <p>"I love that this exists and love the safe space you've created for men to unload their weights of the world without being judged and freedom speak up in a space with others that may be facing similar issues," one woman wrote. </p> <p>"I’ll never understand why this is an issue. There are so many women only places around. As a woman I’d much prefer to go to a hair salon than a barber," commented another woman. </p> <blockquote class="instagram-media" style="background: #FFF; border: 0; border-radius: 3px; box-shadow: 0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width: 540px; min-width: 326px; padding: 0; width: calc(100% - 2px);" data-instgrm-captioned="" data-instgrm-permalink="https://www.instagram.com/p/CvPYHawy18U/?utm_source=ig_embed&amp;utm_campaign=loading" data-instgrm-version="14"> <div style="padding: 16px;"> <div style="display: flex; flex-direction: row; align-items: center;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 40px; margin-right: 14px; width: 40px;"> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 100px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 60px;"> </div> </div> </div> <div style="padding: 19% 0;"> </div> <div style="display: block; height: 50px; margin: 0 auto 12px; width: 50px;"> </div> <div style="padding-top: 8px;"> <div style="color: #3897f0; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: 550; line-height: 18px;">View this post on Instagram</div> </div> <div style="padding: 12.5% 0;"> </div> <div style="display: flex; flex-direction: row; margin-bottom: 14px; align-items: center;"> <div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(0px) translateY(7px);"> </div> <div style="background-color: #f4f4f4; height: 12.5px; transform: rotate(-45deg) translateX(3px) translateY(1px); width: 12.5px; flex-grow: 0; margin-right: 14px; margin-left: 2px;"> </div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(9px) translateY(-18px);"> </div> </div> <div style="margin-left: 8px;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 20px; width: 20px;"> </div> <div style="width: 0; height: 0; border-top: 2px solid transparent; border-left: 6px solid #f4f4f4; border-bottom: 2px solid transparent; transform: translateX(16px) translateY(-4px) rotate(30deg);"> </div> </div> <div style="margin-left: auto;"> <div style="width: 0px; border-top: 8px solid #F4F4F4; border-right: 8px solid transparent; transform: translateY(16px);"> </div> <div style="background-color: #f4f4f4; flex-grow: 0; height: 12px; width: 16px; transform: translateY(-4px);"> </div> <div style="width: 0; height: 0; border-top: 8px solid #F4F4F4; border-left: 8px solid transparent; transform: translateY(-4px) translateX(8px);"> </div> </div> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center; margin-bottom: 24px;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 224px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 144px;"> </div> </div> <p style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; line-height: 17px; margin-bottom: 0; margin-top: 8px; overflow: hidden; padding: 8px 0 7px; text-align: center; text-overflow: ellipsis; white-space: nowrap;"><a style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: normal; line-height: 17px; text-decoration: none;" href="https://www.instagram.com/p/CvPYHawy18U/?utm_source=ig_embed&amp;utm_campaign=loading" target="_blank" rel="noopener">A post shared by 💈 Robbie's Chop Shop 💈 (@robbieschopshop)</a></p> </div> </blockquote> <p>"💯 support - Great idea to have a space for men. In the UK there are lots of ladies/women only spaces and events etc. Don’t see the issue for men having their own space in society as well. 👍" wrote one man. </p> <p>"The concept of the last male sanctuary is not to discriminate against women but to offer a place for men to come and discuss the issues in their lives, in comfort with other similar men," commented another. </p> <p>One person wrote that they hope the business is equally welcoming to non-binary or trans people. </p> <p>"I hope you would welcome trans men, non-binary people and folks of any gender wanting a masculine haircut. We all deserve to feel included and safe to approach businesses knowing we won’t be turned away based on personal attributes we can’t change."</p> <p>"More like Robbie's Mojo Dojo Casa House," another quipped in reference to Ryan Gosling's character Ken establishing the patriarchy in Barbie land in the 2023 <em>Barbie m</em>ovie. </p> <p><em>Image: Instagram</em></p>

Legal

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Hero tradie’s daring move saves toddler who wandered onto busy street

<p>In an awe-inspiring act of bravery that will leave you breathless, shocking <a href="https://au.news.yahoo.com/tradie-scary-move-save-child-095600259.html" target="_blank" rel="noopener">dash cam footage</a> has captured a heart-pounding moment that will forever be etched in the annals of heroism. </p> <p>Laurie Owens, a true guardian angel who fearlessly soared into action on the Salisbury Highway in Adelaide, embarked on a heart-stopping mission to save a young child's life, giving no thought to his own safety or that of his vehicle</p> <p>It was just another day for working tradie Laurie Owens as he navigated the bustling roadways. But with eagle eyes and a heart tuned to protect, Laurie spotted a young boy, still adorned in his nappy, wandering innocently into the treacherous path of oncoming vehicles on a busy highway.</p> <p>In a surge of adrenalin-fuelled heroism, Owens sprang into action as – u<span style="font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Oxygen, Ubuntu, Cantarell, 'Open Sans', 'Helvetica Neue', sans-serif;">ndeterred by the imminent danger, he gallantly mounted the median strip and fearlessly directed his own vehicle into the path of the charging traffic, all in an effort to shield the toddler from harm's way. </span></p> <p><span style="font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Oxygen, Ubuntu, Cantarell, 'Open Sans', 'Helvetica Neue', sans-serif;">His words echo with undying determination: "I'd rather take the damage of a car running into me because I'm safe rather than the child be killed because what protection do they have?" he told 9News. </span></p> <p>In a dazzling display of divine intervention, the unsuspecting little boy, named Aaryan, instinctively turned and bolted towards the safety of his family driveway, under the watchful gaze of Owens.</p> <p>Owens then gathered the child in his arms, poised to reunite him with his worried parents, who confirmed that Aaryan was indeed their precious child. The driveway gates had been left ajar, allowing the child, who grapples with autism, to embark on an unplanned adventure onto the perilous road.</p> <p>In the tearful aftermath, Aaryan's mother, overwhelmed with gratitude, expressed her deepest appreciation, declaring, "Thank you, I'm really grateful that [he] saved my child."</p> <p>For Owens, the humble champion of this heart-stopping saga, the joy of knowing that the little boy made it home safely was an immeasurable reward. Bursting with pride, he triumphantly proclaimed, "I've saved a kid's life. He's got a future now!"</p> <p><em>Images: 9 News</em></p>

Travel Trouble

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"Spoil yourself and your bestie": Jackie O announces new side hustle

<p dir="ltr">Jackie O Henderson has announced a new side hustle with her best friend of 20 years Gemma O’Neill.</p> <p dir="ltr">The radio star took to Instagram on Tuesday to announce her newest venture with O’Neill, a business fittingly named “Besties”.</p> <p dir="ltr">“We’ve been besties for over 20 years and have lived through terrible fashion choices, husbands, moving houses (again and again!), holidays, babies, novice tarot card readings, swimming with sharks, dancing around the living room to our favourite songs and of course lots of tears and lots more laughter,” she captioned the photo.</p> <p dir="ltr">The pair were pictured sharing a laugh in a beautiful photoshoot by the beach, presumably to promote their upcoming business.</p> <p dir="ltr">“Like any best friend duo, we've always dreamed of starting our own side hustle, and we're so thrilled to share the news of our newest venture, Besties,” she added in the caption.</p> <p dir="ltr">The <em>KIIS</em> star claims that the business will allow people to spend more time and create more memories with their best friends.</p> <blockquote class="instagram-media" style="background: #FFF; border: 0; border-radius: 3px; box-shadow: 0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width: 540px; min-width: 326px; padding: 0; width: calc(100% - 2px);" data-instgrm-captioned="" data-instgrm-permalink="https://www.instagram.com/p/Cu0IqHpyEOW/?utm_source=ig_embed&amp;utm_campaign=loading" data-instgrm-version="14"> <div style="padding: 16px;"> <div style="display: flex; flex-direction: row; align-items: center;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 40px; margin-right: 14px; width: 40px;"> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 100px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 60px;"> </div> </div> </div> <div style="padding: 19% 0;"> </div> <div style="display: block; height: 50px; margin: 0 auto 12px; width: 50px;"> </div> <div style="padding-top: 8px;"> <div style="color: #3897f0; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: 550; line-height: 18px;">View this post on Instagram</div> </div> <div style="padding: 12.5% 0;"> </div> <div style="display: flex; flex-direction: row; margin-bottom: 14px; align-items: center;"> <div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(0px) translateY(7px);"> </div> <div style="background-color: #f4f4f4; height: 12.5px; transform: rotate(-45deg) translateX(3px) translateY(1px); width: 12.5px; flex-grow: 0; margin-right: 14px; margin-left: 2px;"> </div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(9px) translateY(-18px);"> </div> </div> <div style="margin-left: 8px;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 20px; width: 20px;"> </div> <div style="width: 0; height: 0; border-top: 2px solid transparent; border-left: 6px solid #f4f4f4; border-bottom: 2px solid transparent; transform: translateX(16px) translateY(-4px) rotate(30deg);"> </div> </div> <div style="margin-left: auto;"> <div style="width: 0px; border-top: 8px solid #F4F4F4; border-right: 8px solid transparent; transform: translateY(16px);"> </div> <div style="background-color: #f4f4f4; flex-grow: 0; height: 12px; width: 16px; transform: translateY(-4px);"> </div> <div style="width: 0; height: 0; border-top: 8px solid #F4F4F4; border-left: 8px solid transparent; transform: translateY(-4px) translateX(8px);"> </div> </div> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center; margin-bottom: 24px;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 224px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 144px;"> </div> </div> <p style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; line-height: 17px; margin-bottom: 0; margin-top: 8px; overflow: hidden; padding: 8px 0 7px; text-align: center; text-overflow: ellipsis; white-space: nowrap;"><a style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: normal; line-height: 17px; text-decoration: none;" href="https://www.instagram.com/p/Cu0IqHpyEOW/?utm_source=ig_embed&amp;utm_campaign=loading" target="_blank" rel="noopener">A post shared by Jackie O (@jackieo_official)</a></p> </div> </blockquote> <p dir="ltr">The pair have thought out their mission well, vowing to bring friends closer to “extraordinary people” through their speaker events, provide trips to “breathtaking destinations” and offer a range of luxe products so you can “spoil yourself and your bestie”.</p> <p dir="ltr">She also revealed that this business venture was just an excuse for her to make more memories with her best friend.</p> <p dir="ltr">“We thought it was about time for a one-stop shop to celebrate each other,” she added.</p> <p dir="ltr">She also tagged an Instagram account for the business, which already boasts over 11 thousand followers.</p> <p dir="ltr">While both women are co-founders of the company, Jackie O will be the creative director while her best friend is the CEO.</p> <p dir="ltr"><em>Images: Instagram</em></p>

Money & Banking

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Four-year-old entrepreneur wins out against council complaints

<p dir="ltr">Four-year-old Leo Tyres is the proud owner of his very own fruit and vegetable stand, better known as Leo’s Little Shop, but his enterprise hasn’t come without its share of struggle. </p> <p dir="ltr">He first had to overcome a hurdle most small business owners know an awful lot about - a slow start. And from there, things escalated, when a complaint made to the local council against his stand almost shut down business for good. </p> <p dir="ltr">Leo operates his pop-up store, selling discounted fruit and vegetables with slight defects from outside his home in Gatton, Queensland. </p> <p dir="ltr">And as Lockyer Valley Mayor Tanya Milligan told<em> 9News</em>, the complaint had been about “a business that was operating in a residential area. </p> <p dir="ltr">“Like most councils, we are complaint-driven, we have an obligation to go and check it out.”</p> <p dir="ltr">“If it’s a permanent structure, it becomes a shop,” she explained, before noting that if that were the case then the young family would have had a lot of hoops to jump through. </p> <p dir="ltr">Luckily for little Leo - and the 2000 locals who got behind a petition to save his venture - Milligan was of the opinion that “it’s no different to me than the old-fashioned lemonade stall or garage sale.” </p> <p dir="ltr">And so, the stand remains open for business, with Leo at the helm. </p> <p dir="ltr">As for how his regulars feel about the outcome, Leo was happy to report that “they say ‘good on ya’.” </p> <p dir="ltr">Leo’s mother, Barbra Sanchez, is delighted with the result as well, and shared some of the benefits of his experience, noting that “he is learning several life skills from interacting with people, [and he’s] saving money.”</p> <p dir="ltr">Those people are, of course, his customers, but also his suppliers. Local business is important to the youngster, who sources his produce from local farmers who are unable to sell the fruit and vegetables due to the ‘imperfections’ in their appearance.</p> <p dir="ltr">While he started out with just a bag of limes and two pumpkins, Leo’s empire has grown from there, and he now has his very own trailer to help with the crucial work of sourcing, carrying, and selling his wares. </p> <p dir="ltr">He was more than eager to share this proud achievement, too, declaring that he can now “take 10 pumpkins in the trailer! 10 pumpkins.” </p> <p dir="ltr">And for anyone wondering just what the four year old might be doing with his hard-earned savings, Leo was happy to explain, telling <em>9News</em>’ Cam Inglis, “I just buy toys.” </p> <p dir="ltr"><em>Images: 9News</em></p>

Food & Wine

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"Too busy marching": Debate rages over fiery Anzac Day post

<p>A man has shared a controversial claim on Twitter about Australia’s relationship to Anzac Day, sparking a fiery debate.</p> <p>Australians and New Zealanders gathered to commemorate the 108th anniversary of the landing of Anzac troops at Gallipoli in World War I on April 25th. Services were held all over both countries to mark the day of remembrance.</p> <p>On May 34th, Brad Turner, who says he is a former Navy submariner and AFP officer, took to Twitter to argue that the values of the annual celebration were “no longer reflected” by Australia.</p> <p>He notably called out Australia’s confrontation with China on behalf of the US.</p> <blockquote class="twitter-tweet"> <p dir="ltr" lang="en">Australia is a society that dutifully gets up early every April 25 to gather, Mach & remember our Dead. Speeches are made, politicians speak of sacrifice & honour whilst possessing or embodying neither. That same society that holds paramount ideals of egalitarianism, mateship &… <a href="https://t.co/sbHHbRiYAF">pic.twitter.com/sbHHbRiYAF</a></p> <p>— Brad Turner (@tur14865416) <a href="https://twitter.com/tur14865416/status/1650394428841037826?ref_src=twsrc%5Etfw">April 24, 2023</a></p></blockquote> <p>“Australia is a society that dutifully gets up early every April 25 to gather, march and remember our dead,” he wrote in the post, which has been viewed more than 20,000 times.</p> <p>“Speeches are made, politicians speak of sacrifice and honour whilst possessing or embodying neither. That same society that holds paramount ideals of egalitarianism, mateship and sacrifice is forgotten on the other 364 days of the year.</p> <p>“On those days Australia marches right past veteran suicides, war crimes, illegal wars and widespread inequality and corruption. Is it really a day of remembrance? Or is it theatrics so society can pretend they care about victims of war or our conduct as a country with an aim to feel better about apathy and inaction as a nation towards these things.</p> <p>“We don’t notice any of these things because we are too busy marching. But this time it’s headlong into another pointless American war with China. The things we celebrate about our nation on Anzac Day are sadly no longer reflected in Australia’s actions. They have not been in some time.”</p> <p>Several people online took the same stance as Mr Turner.</p> <p>“I don’t like Anzac Day. It overlooks our follies in joining Britain and US wars. WWII was noble. The rest were con jobs to enrich the industrialists. Our people have all these solemn events only to assuage their ‘je ne c’est quoi’ because they don’t feel any guilt but should,” one wrote.</p> <p>“Our politicians spend more on memorial monuments and museums that they can put their name on a plaque on the wall than they do for the actual veterans who are suffering from PTSD or other ‘souvenirs’ they have brought back from their tours,” another said.</p> <p>“Flag waving patriotism has taken over Anzac Day. We are one step away from parades of military hardware while the populace salute. What should be a reflection on the horrors of war has become it‘s celebration. John Howard did this,” a third added.</p> <p>“Listening to the Labor government yesterday follow in the footsteps of the Coalition, justifying spending billions antagonising China at America’s request is not the ‘lest we forget’ I think about,” a fourth wrote.</p> <p>Others fired back and said Anzac Day was still important.</p> <p>“Mate … it’s about remembering the sacrifice and loss of our mates … lest we forget,” one wrote, adding, “I don’t worry about [politicians] anymore grandstanding on the day. It’s our day not theirs to remember our mates.”</p> <p>Another wrote, “It is tradition. It separates the fluff of ordinary living to reflect on sacrifice not only of the dead, of lives unlived, of the unfathomable grief but also of the living dealing with the trauma and moral injury of tooth and claw war. It is not a celebration which distracts.”</p> <p>“I understand this perspective, but at the same time I ask myself — is there any harm in this form national reflection? I agree there have been some military follies following the absolute necessity of WWII, but would add that there is no guarantee that the next engagement is such,” a third wrote.</p> <p><em>Image credit: Shutterstock</em></p>

News

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Rod Stewart's ultimate surprise for like-minded hobbyists

<p>Rod Stewart has paid a surprise visit to a local business in Sydney's west, mingling with like-minded hobbyists. </p> <p>On Wednesday night, the 78-year-old rockstar took to the stage of Sydney's Qudos Bank Arena in front of 21,000 adoring fans, performing his classic hits in a signature leopard print jacket. </p> <p>But just hours before, he stopped in at Woodpecker Model Railways, a model train store located in Pendle Hill, in search of model trains to add to his vast collection.</p> <p>"Look who casually walked into our shop," the business shared on their Facebook page, alongside a photo of staff members smiling with the rock legend.</p> <p><iframe style="border: none; overflow: hidden;" src="https://www.facebook.com/plugins/post.php?href=https%3A%2F%2Fwww.facebook.com%2Fwoodpeckermodelrailways%2Fposts%2Fpfbid0Nfb2LeEtR5yXAcfCiBW8g4GVLqncdVbNz9AKJnZVwFzB345DUXMDt3C6ZvcGpReyl&amp;show_text=true&amp;width=500" width="500" height="504" frameborder="0" scrolling="no" allowfullscreen="allowfullscreen"></iframe></p> <p>"That's amazing!!!" one follower wrote on Facebook.</p> <p>"WOW how awesome !! Lucky you !!I think I would be in total admiration [and] shock if Rod walked into a shop I owned or was in lol," another said.</p> <p>"A very accomplished modeller..... sings a bit as well....." another wrote.</p> <p>Rod Stewart has long been known as a <a href="https://www.oversixty.com.au/property/real-estate/rod-stewart-s-hidden-track-inside-his-beverly-hills-home" target="_blank" rel="noopener">keen model train builder</a>, revealing in a 2019 interview with Railway Modeller magazine that he had been working on a giant and intricate model of a United States city at home for the previous 23 years.</p> <p>Following his admission in the interview, BBC Radio 2's Jeremy Vine suggested Stewart did not build the model himself, to which Stewart rebutted as he called into Vine's show to set the record straight himself.</p> <p>"I would say 90 per cent of it I built myself," Stewart insisted to Vine. "The only thing I wasn't very good at and still am not is the electricals, so I had someone else do that."</p> <p>"A lot of people laugh at it being a silly hobby, but it's a wonderful hobby," he said.</p> <p><em>Image credits: Facebook</em></p>

Music

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No Pokies, no problems: The bowling club that never looked back

<p dir="ltr">Petersham Bowling Club was heading towards poverty, when the board’s decision to remove all of their pokies in 2007 changed their business for the better.</p> <p dir="ltr">Club president George Catsi said that the shift from pokies, a staple of many NSW bowling clubs, to live entertainment and other events has generated them more profit than the slots ever did, with a 700 per cent increase in turnover.</p> <p dir="ltr">“I came at it from a position of, this is a valuable space that’s here, the club owns the land. They could have developed it,” he told <em>news.com.au</em>.</p> <p dir="ltr">“So I suppose we came in on a platform of engagement, and we were feeling that the club wasn’t engaging with its community.”</p> <p dir="ltr">Over the last calendar week alone, the club has hosted trivia, life drawing, poetry, two music gigs, Pinot and Picasso, a community radio show, and Sunday bowls.</p> <p dir="ltr">“You’ve got to create a place that people go. This place is such a great vibe, and it’s got such interesting things going. People will fight for that,” Catsi said.</p> <p dir="ltr">“This is what clubs should be – they should be hubs. My problem with a lot of other clubs is that they forgot that.”</p> <p dir="ltr">Catsi said that they took over the bowling club because it was struggling, and recognised that the pokies weren’t “saving them” or a “guaranteed lifeline”, as they still needed to get people through to the club.</p> <p dir="ltr">He also said that clubs relying on the slot machines for income are “doomed” because they are not open to welcoming and accommodating to the wider communities.</p> <p dir="ltr">“Is it lazy income now? Yes, it is. Absolutely. Because it’s just embedded as part of your income stream, and you don’t want to let go of it,” Catsi said.</p> <p dir="ltr">“It’s also governments … they’re also addicted to the gambling money.”</p> <p dir="ltr">Pokies are going to be one of the major issues for the upcoming NSW election on March 25.</p> <p dir="ltr">Both parties have vowed to make considerable changes, but neither are going to remove the slots completely.</p> <p dir="ltr"><em>Image: Getty</em></p>

Money & Banking

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Salon owner loses $40,000 from one $60 deposit

<p dir="ltr">When beautician Thuy Le received a call from a supposed customer’s ‘husband’ regarding an accidental payment, she could never have foreseen the devastating turn her life would take from that point on. </p> <p dir="ltr">The mother of two, whose husband is living with Parkinsons and unable to work, recounted how her harrowing ordeal started with that one phone call, and the man on the other end requesting she return the $60 his wife had ‘accidentally’ paid. </p> <p dir="ltr">Le checked her bank statements to verify his story, and after noting one deposit that matched, she transferred the funds into the account he provided. </p> <p dir="ltr">She did not provide any of her own personal information, her passwords, or any critical numbers for her accounts. And yet, in the time to follow, Le could only watch in horror as more withdrawals were made from her account, into the very same one owned by the customer’s ‘husband’. </p> <p dir="ltr">The withdrawals totalled a devastating $41,600 stolen from Le’s life savings. </p> <p dir="ltr">Le also recounted how she was refused access to her business account, and that she got in touch with her bank as soon as she realised what had happened, suspecting she had been scammed. </p> <p dir="ltr">Her quest for support in her time of need was cut short, with the financial institution placing the blame solely on Le and ruling that they were not liable for the losses she had endured - this was despite the suspicious withdrawals raising no alarm with the bank, and the lack of personal information involved in the scam. </p> <p dir="ltr">Of their questionable red flag system, the bank claimed that it is “nearly impossible for an unauthorised third party to guess”, referencing the way that the logins for the costly transaction all succeeded on the very first try. </p> <p dir="ltr">Furthermore, as stated in a letter to Le, they declared that “the only reasonable explanation for these logins would be that your online banking credentials were known to the unauthorised third party, which would be in breach of the passcode security requirements.”</p> <p dir="ltr">“I am in financial hardship,” Le admitted of her dire situation, and the need to have the funds returned for her family and her husband’s crucial medication. </p> <p dir="ltr">“I have two little kids, I have a husband with Parkinson’s disease, he cannot work,” she continued. “We are still in the process of applying for government help and I have carried the financial burden on my shoulders.”</p> <p dir="ltr">While Le’s bank offered $200 to resolve her complaint, she was offered no further assistance, and took matters to the Australian Financial Complaints Authority, hoping to have her money returned to her. </p> <p dir="ltr">“I can’t sleep,” she confessed. “I want to know why this happened to me and how it happened to me.</p> <p dir="ltr">“I’m not a liar, not a criminal, not a fraud.”</p> <p dir="ltr"><em>Images: Supplied to 7News, Facebook</em></p>

Money & Banking

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Just 25% of businesses are insured against cyber attacks. Here’s why

<p>In the past financial year, the Australian Cyber Security Centre received <a href="https://www.cyber.gov.au/acsc/view-all-content/reports-and-statistics/acsc-annual-cyber-threat-report-july-2021-june-2022" target="_blank" rel="noopener">76,000 cyber-crime reports</a> – on average, one every seven minutes. The year before, it was a report every eight minutes. The year before that, every ten minutes.</p> <p>The growth of cyber crime means it is now arguably the <a href="https://www.aon.com/2021-global-risk-management-survey/index.html" target="_blank" rel="noopener">top risk facing any business</a> with an online presence. One successful cyber attack is all it takes to ruin an organisation’s reputation and bottom line. The estimated cost to the Australian economy in <a href="https://www.unsw.adfa.edu.au/newsroom/news/cybercrime-estimated-42-billion-cost-australian-economy" target="_blank" rel="noopener">2021 was $42 billion</a>.</p> <p>To protect itself (and its customers), a business has three main options. It can limit the amount of sensitive data it stores. It can take greater care to protect the data it does store. And it can insure itself against the consequences of a cyber attack.</p> <p>Cyber-insurance is a broad term for insurance policies that address losses as a result of a computer-based attack or malfunction of a firm’s information technology systems. This can include costs associated with business interruptions, responding to the incident and paying relevant fines and penalties.</p> <p>The global cyber-insurance market is now worth an estimated US$9 billion (A$13.9 billion). It is tipped to grow to <a href="https://www.munichre.com/content/dam/munichre/contentlounge/website-pieces/documents/MunichRe-Topics-Cyber-Whitepaper-2022.pdf/_jcr_content/renditions/original./MunichRe-Topics-Cyber-Whitepaper-2022.pdf" target="_blank" rel="noopener">US$22 billion by 2025</a>.</p> <p>But a big part of this growth reflects escalating premium costs – in Australia they increased more <a href="https://www.insurancebusinessmag.com/au/news/cyber/whats-driving-up-cyber-insurance-premiums-in-australia-417542.aspx" target="_blank" rel="noopener">than 80% in 2021</a> – rather than more business taking up insurance.</p> <p>So coverage rates are growing slowly, with about 75% of all businesses in Australia having no cyber-insurance, according to 2021 figures from the <a href="https://insurancecouncil.com.au/wp-content/uploads/2022/03/Cyber-Insurance_March2022-final.pdf" target="_blank" rel="noopener">Insurance Council of Australia</a>.</p> <p><strong>Challenges in pricing cyber-insurance</strong></p> <p>With cyber-insurance still in its infancy, insurers face significant complexities in quantifying cyber risk pricing premiums accordingly – high enough for the insurers not to lose money, but as competitive as possible to encourage greater uptake.</p> <p>A 2018 assessment of the cyber-insurance market by the <a href="https://www.cisa.gov/sites/default/files/publications/20_0210_cisa_oce_cyber_insurance_market_assessment.pdf" target="_blank" rel="noopener">US Cybersecurity and Infrastructure Security Agency</a> identified three major challenges: lack of data, methodological limitations, and lack of information sharing.</p> <p>Lack of historical loss data means insurers are hampered in accurately predicting risks and costs.</p> <p>Because of the relative newness of cyber crime, many insurers use risk-assessment methodologies derived from more established insurance markets <a href="https://www.rand.org/pubs/external_publications/EP67850.html" target="_blank" rel="noopener">such as for car, house and contents</a>. These markets, however, are not analogous to cyber crime.</p> <p>Companies may be hesitant to disclose information about cyber incidents, unless required to do so. Insurance carriers are reluctant to share data pertaining to damage and claims.</p> <p>This makes it hard to create effective risk models that can calculate and predict the likelihood and cost of future incidents.</p> <p><strong>So what needs to be done?</strong></p> <p>Deakin University’s <a href="https://cybercentre.org.au/" target="_blank" rel="noopener">Centre for Cyber Security Research and Innovation</a> has been working with insurance companies to understand what must be done to improve premium and risks models pertaining to cyber insurance.</p> <p>Here is what we have found so far.</p> <p>First, greater transparency is needed around cyber-related incidents and insurance to help remedy the lack of data and information sharing.</p> <p>The federal government has taken two steps in the right direction on this.</p> <p>One is the <a href="https://www.accc.gov.au/focus-areas/consumer-data-right-cdr-0" target="_blank" rel="noopener">Consumer Data Right</a>, which provides guidelines on how service providers must share data about customers. This came into effect in mid-2021.</p> <p>The other is the government’s proposal to amend <a href="https://www.aph.gov.au/Parliamentary_Business/Bills_Legislation/Bills_Search_Results/Result?bId=r6940" target="_blank" rel="noopener">privacy legislation</a> to increase penalties for breaches and give the Privacy Commissioner new powers.</p> <p>Second, insurers must find better ways to measure the financial value and worth of the data that organisations hold.</p> <p>The primary asset covered by cyber insurance is the data itself. But there is no concrete measure of how that data is worth.</p> <p>The recent Optus and Medibank Private data breaches provide clear examples. The Optus event affected millions more people than the Medibank Private hack, but the Medibank Private data includes <a href="https://www.afr.com/technology/privacy-fallout-from-medibank-hack-will-be-widespread-20221023-p5bs75" target="_blank" rel="noopener">sensitive medical data</a> that, in principle, is worth far more than data regarding just your personal identity.</p> <p>Without an accurate way to measure the financial value of data, it is difficult to determine the appropriate premium costs and coverage.</p> <p>Cyber insurance is a new, specialised market with significant uncertainty. Given the ever-increasing risks to individuals, organisations and society, it is imperative that insurers develop robust and reliable risk-based models as soon as possible.</p> <p>This will require a consolidated effort between cyber-security experts, accountants and actuaries, insurance professionals and policymakers.<!-- 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/193533/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>Writen by Jongkil Jay Jeong and Robin Doss. Republished with permission from <a href="https://theconversation.com/just-25-of-businesses-are-insured-against-cyber-attacks-heres-why-193533" target="_blank" rel="noopener">The Conversation</a>.</em></p> <p><em>Image: Getty Images</em></p>

Money & Banking

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Locals rally after 12-year-old has business shut down

<p dir="ltr">A 12-year-old boy has gained the support of his local community after his snack-selling business was shut down by council.</p> <p dir="ltr">Jesse Lane was earning some tidy profits from selling cold drinks, insect repellent, dog treats and sunscreen in a tent on the Bondi to Coogee walk in Sydney’s Eastern Suburbs.</p> <p dir="ltr">Despite his success, the venture was shut down after two locals complained that he shouldn’t be making profits on public land.</p> <p dir="ltr">The complaints came after Randwick Council rejected Jesse’s trading application because he didn’t have insurance.</p> <p dir="ltr">But even when he acquired insurance months later, the application was rejected again.</p> <p dir="ltr">With his tent stall facing a forced closure, locals have rallied around Jesse.</p> <p dir="ltr">“Jessie is the hard-working kid who sets up and sells a number of things for hot and thirsty walkers and their pets,” one person shared on Facebook.</p> <p dir="ltr">“The world needs more kids to drive to work hard for themselves and not sit around and play video games all day.</p> <p dir="ltr">“His parents must be so proud of him and people should mind their business, if the kid wants to make money and work on his weekends good on him.”</p> <p dir="ltr">Susan Ley, the deputy leader of the Liberal party, chimed in to support the youngster, saying he should be commended for “having a go”.</p> <p dir="ltr">“We won’t have the small businesses and entrepreneurs of tomorrow if we don’t back them today,” she said.</p> <p dir="ltr">“This is a foolish decision @RandwickCouncil and it should be reversed.</p> <p dir="ltr">“Local community (equals) happy, 12-year-old kid having a go … what’s the problem?”</p> <p dir="ltr">In August, <em>Yahoo News</em> reported that Randwick Council confirmed that there had been a “number” of complaints about Jesse’s business.</p> <p dir="ltr">"He was initially selling drinks but has expanded to include a range of products including sunscreen, insect repellent and dog treats," a council spokesperson told <em>2GB </em>radio.</p> <p dir="ltr">“While we admire the innovation and entrepreneurial spirit of the young man, there are restrictions on commercial operations in public parks.</p> <p dir="ltr">“Council received a number of complaints from people concerned about the precedent of commercialisation of the park as well as concern about the safety and welfare of a young boy trading and handling money in a public place.”</p> <p dir="ltr">“Council has carefully considered the application. Unfortunately, it has determined that the activity is not consistent with the primary use of the land and it is not in the public interest for a proliferation of these types of activity along the length of the coastline.”</p> <p><span id="docs-internal-guid-4600703a-7fff-8fd5-8584-58c705a63219"></span></p> <p dir="ltr"><em>Image: 7News</em></p>

Money & Banking

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Qantas, the trying kangaroo: why things won’t get better any time soon

<p>Unlike many airlines, Australia’s flag carrier Qantas has survived the pandemic. But its return to normal service – and profitability – is proving to be a bumpy ride. It could well get worse before it gets better.</p> <p>As domestic and international travel picks up, the airline is struggling to keep up – having laid off thousands of staff whose experience, it turns out, was quite valuable for running such a complex business. Cancelled flights, lost luggage, long delays at airports and low staff morale are pummelling its carefully cultivated reputation.</p> <p>Qantas engineers <a href="https://www.abc.net.au/news/2022-08-25/qantas-engineers-strike-safety-annual-profit-result/101368062" target="_blank" rel="noopener">took industrial action</a> last month. This week there’s <a href="https://www.abc.net.au/news/2022-09-05/qantas-staff-far-airlines-reputation-at-risk/101391324" target="_blank" rel="noopener">a strike by baggage handlers</a> employed by the contractor used since the airline retrenched almost 2,000 ground crew workers in 2020. (The Fair Work Commission has since ruled this outsourcing <a href="https://australianaviation.com.au/2022/05/qantas-loses-bid-to-overturn-illegal-outsourcing-ruling/" target="_blank" rel="noopener">was unlawful</a>.)</p> <p>Former staff have told the ABC’s <a href="https://www.abc.net.au/news/2022-09-05/qantas-staff-far-airlines-reputation-at-risk/101391324" target="_blank" rel="noopener">4 Corners program</a> they fear the cutbacks will undermine the airline’s safety record.</p> <p>There is no quick or easy fix. These issues are tied to the airline’s profitability – or lack of it. Last financial year it reported an underlying loss before tax of <a href="https://cdn.theconversation.com/static_files/files/2281/q899.pdf" target="_blank" rel="noopener">A$1.89 billion</a>. Since 2020, total losses have been A$7 billion, with the shutdown of travel costing about <a href="https://www.bloomberg.com/news/articles/2022-08-24/qantas-announces-share-buy-back-as-air-travel-demand-surges" target="_blank" rel="noopener">A$25 billion in revenue</a>, according to chief executive Alan Joyce.</p> <h2>A challenging industry</h2> <p>Qantas is by no means alone when it comes to the challenges of rebuilding after COVID. Even <a href="https://www.mckinsey.com/industries/travel-logistics-and-infrastructure/our-insights/the-six-secrets-of-profitable-airlines" target="_blank" rel="noopener">in normal times</a>, airlines are notoriously hard businesses to keep in the black.</p> <p>The products they sell – seats – are highly perishable. Once a flight takes off, any empty seat becomes worthless. It is tempting to fill seats by discounting, but this can lead to competitors doing the same, and create a perception that leads customers to undervalue the product.</p> <p>There’s a reason so many national carriers are fully or partly <a href="https://gulfbusiness.com/gulf-carriers-spotlight-eu-addresses-unfair-airline-competition/" target="_blank" rel="noopener">government-owned</a> – including Air New Zealand, Emirates, Etihad, Garuda Indonesia, Malaysia Airlines and Singapore Airlines.</p> <p>It’s debatable how many of these airlines would be viable as standalone commercial operations. An airline regulated by a government with a vested interest in its prosperity may be assisted in a variety of ways, from bailouts and tax subsidies to policies that help protect it from competition on domestic routes.</p> <h2>How to cut costs?</h2> <p>Adding to these difficulties in 2022 are fuel prices, inflated since Russia invaded Ukraine in February. Fuel costs typically account for about a <a href="https://www.iata.org/en/iata-repository/pressroom/fact-sheets/fact-sheet---fuel/" target="_blank" rel="noopener">quarter of airline costs</a>.</p> <p><a href="https://simpleflying.com/what-is-fuel-hedging-and-why-do-airlines-do-it/" target="_blank" rel="noopener">Hedging contracts</a> have protected Qantas from the full impact of these increases. Like other airlines, it has few options to cut fuel costs besides cutting routes or buying more fuel-efficient aircraft. (It is buying 12 new Airbus planes, but with the plan to offer long-haul flights without stopovers, which will <a href="https://theconversation.com/bucking-the-trend-is-there-a-future-for-ultra-long-haul-flights-in-a-net-zero-carbon-world-183212" target="_blank" rel="noopener">increase fuel consumption</a>.)</p> <p>So cutting staff costs has become the default option.</p> <p>Qantas has never shied away from this under Joyce, who was appointed chief executive in 2008.</p> <p>In 2011 he notoriously <a href="https://www.abc.net.au/news/2011-10-29/qantas-locking-out-staff/3608250" target="_blank" rel="noopener">grounded the fleet</a> and locked out staff during “hardball” collective bargaining with three unions (the Australian and International Pilots Association, Australian Licenced Aircraft Engineers Association, and Transport Workers Union).</p> <p>But this combative stance on wages and conditions, and outsourcing so many key activities, has thinned corporate knowledge. Qantas’ problems with <a href="https://www.9news.com.au/national/brisbane-man-bag-destroyed-by-qantas-still-waiting-for-airline-to-resolve-his-2000-dollar-claim/2fdf9865-7350-4735-bc1a-b02201a3a7eb" target="_blank" rel="noopener">lost luggage</a> are clearly linked to sacking so many experienced staff and replacing them with contract workers who don’t necessarily understand how the airline’s <a href="https://www.ft.com/content/42e15d6d-bc05-4a5b-af16-c8c7f72af0fd" target="_blank" rel="noopener">complex systems work</a>.</p> <h2>A difficult outlook</h2> <p>It’s easy to look for scapegoats – there are mounting calls for Joyce to go, for example – but there are no easy solutions to the problems Qantas faces.</p> <p>In the short term it must to balance the cost-cutting required with the reality that further aggravating its workforce will lower customer service – and ultimately its reputation.</p> <p>Domestically it has the advantage of its major competitor, Virgin Australia, being in an even worse position. Virgin only survived the pandemic by being sold to US private equity giant Bain Capital. This should save Qantas from a domestic discounting war for the foreseeable future.</p> <p>But even with subdued domestic competition, the airline industry remains unattractive. For the flying kangaroo, the path back to profitability looks set to be one of many ups and downs.</p> <p><strong>This article originally appeared on <a href="https://theconversation.com/qantas-the-trying-kangaroo-why-things-wont-get-better-any-time-soon-189558" target="_blank" rel="noopener">The Conversation</a>.</strong></p> <p><em>Image: Shutterstock</em></p>

Travel Trouble

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9 tips for starting a business

<p>Always dreamed of starting a business? Well, there’s no better time than the present. Here’s nine tips to help get you started.</p> <p>Whether you’d like to take your passion for sewing, cooking or helping others further, or if you wouldn’t mind a bit of extra money in retirement, starting a business can not only keep your mind and body active, but you’ll be benefiting the wider community.</p> <p>The new wave of entrepreneurialism isn’t young Richard Branson types, its people in their 50s and 60s who have skills in a range of trades or activities and the time to invest in getting a business off the ground.</p> <p>Dr Alex Maritz, associate professor of entrepreneurship at Swinburne University of Technology, says senior entrepreneurship is a significant phenomenon across the globe. “Sixty is the new 50. People aged 50-65 have a higher rate of entrepreneurial activity than those aged 20-34, so what are you waiting for?” he says. “This is the fastest growing segment of entrepreneurship across the globe.”</p> <p>If you think you have what it takes to start your own business, here’s a few of Dr Maritz’s tips for getting started.</p> <p><strong>1. Make a profit from your passion</strong></p> <p>A hobby to supplement your income is always first prize. Your mature skills and social aptitude drive your motivation, skills and, more importantly, the opportunity to achieve. Risk and reward are always a trade-off, but better so when you do something you enjoy doing.</p> <p><strong>2. Surround yourself with likeminded people</strong></p> <p>Network with other seniorpreneurs who are also starting new ventures. Just think of all those combined skills and professional services you may obtain at mates’ rates. Even sports clubs for seniors are fantastic networking opportunities. Positive environments promote proactivity, innovation and calculated risk-taking. Network with niche organisations such as Seniors Australia.</p> <p><strong>3. Work anywhere you want</strong></p> <p>Starting a business no longer necessarily requires a brick and mortar office or storefront. If you do require an office, share space at incubators and networks. Flexibility is the name of the game. Virtual offices are the domain of entrepreneurs.</p> <p><strong>4. As you grow seek help from part-timers</strong></p> <p>Manage your resource cost and remember, the best human resource is usually shared. And it’s not always physical, many services are offered and procured online. Do not overcommit by hiring permanent staff. Fixed costs are dead weight!</p> <p><strong>5. Get creative if you need funding</strong></p> <p>Friends and family are always a great option to top up the finances to start your business. Other options include grants, contests and crowd funding. Suppliers may well provide valuable credit terms. Use your own credit history to secure additional funds.</p> <p><strong>6. Top up your skills</strong></p> <p>Upskill your entrepreneurship education and training (classes and online). This may sound cumbersome, but enhancing your business acumen pays dividends. If you go to classes, it’s a valuable networking opportunity as well. Most providers also offer online modules.</p> <p><strong>7. Get savvy online</strong></p> <p>Remember, 97 per cent of consumers search the internet for goods and services. A website and blog go a long way to enhancing your referrals, customer retention and related sales. Even if your business is not online, a virtual presence is essential.</p> <p><strong>8. Working on the go with your mobile</strong></p> <p>Similar to making your workspace fit your lifestyle, your mobile device (smartphone) is your new mobile office. Real time communication necessitates real time response; not just a by-product of your office environment.</p> <p><strong>9. Spread the word with social media</strong></p> <p>Hand in hand with digital and internet technology, this is an ideal entrepreneurial marketing avenue open for start-ups. Scan the many online tutorials to assist in this regard.</p> <p>If you’d like to share your thoughts, get resources and connect with likeminded people, take a look at SeniorPreneurs.org. Co-founded by Dr Maritz, it’s a social community of people over 50 who have a passion for business start-ups.</p> <p><em>Image: Getty</em></p>

Money & Banking

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"Stop slapping him!": Carriage horse collapses in busy street

<p dir="ltr">The horrifying moment a carriage horse breaks down in the middle of a busy New York City street has angered animal activists.</p> <p dir="ltr">Heartbreaking footage shows the horse's knees buckling, possibly due to the weight of the carriage it's been pulling all day in the heat, when it fell to the ground. </p> <p dir="ltr">The driver could be seen shouting multiple times at the horse, known as Ryder, to “get up” and slapping it to get up. </p> <p dir="ltr">“What if I slapped you around like that, bro?” one person can be heard saying. </p> <p dir="ltr">“Stop slapping him,” another woman called out.</p> <p dir="ltr">“I’m trying to get him up, alright,” the driver said, as he once again whipped the horse with the reins.</p> <p dir="ltr">The driver then removed the carriage with the help of an onlooker as police arrived and sprayed Ryder with water. </p> <p dir="ltr">Ryder then attempted to get up several times but failed until an adrenaline shot was administered.</p> <blockquote class="twitter-tweet"> <p dir="ltr" lang="en">BREAKING: This horse COLLAPSED while pulling a carriage in NYC, likely from heat exhaustion, and has been down for over an hour.</p> <p>Horses don’t belong in big cities where they’re put in constant danger because of cars, humans, weather, and more. <a href="https://t.co/vXBVRJRjPB">pic.twitter.com/vXBVRJRjPB</a></p> <p>— PETA (@peta) <a href="https://twitter.com/peta/status/1557504250359361537?ref_src=twsrc%5Etfw">August 10, 2022</a></p></blockquote> <p dir="ltr">After an hour or so, the horse was back on its feet and was taken to an unknown location to be looked at. </p> <p dir="ltr">Tony Utano, President of Transport Workers Union Local 100 slammed those who attacked the driver for jumping to conclusions saying the horse, Ryder, was suffering from EPM. </p> <p dir="ltr">“We thank everyone for their concern about Ryder, one of the beloved Central Park carriage horses,” he said. </p> <p dir="ltr">“The veterinarian believes Ryder has EPM, a neurological disease caused by possum droppings. </p> <p dir="ltr">“This is another example why people shouldn't rush to judgement about our horses or the blue-collar men and women who choose to work with them and care for them.”</p> <p dir="ltr">However, this did not stop animal rights group PETA from calling out the practice, which constantly puts horses in danger.</p> <p dir="ltr">“This horse COLLAPSED while pulling a carriage in NYC, likely from heat exhaustion, and has been down for over an hour,” PETA wrote.  </p> <p dir="ltr">“Horses don’t belong in big cities where they’re put in constant danger because of cars, humans, weather, and more.”</p> <p dir="ltr">Many other supporters have called for the ban of carriage horses to be replaced with electric vehicles. </p> <p dir="ltr"><em>Images: Twitter</em></p>

Family & Pets

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Is it legal for businesses to slap on a holiday surcharge?

<p dir="ltr">It’s almost expected that when you walk into a cafe or shop on a public holiday or long weekend there is a sign indicating a certain surcharge on all bills. </p> <p dir="ltr">Have you ever wondered if it's legal? Can shop owners do this on normal weekends? </p> <p dir="ltr">With the cost of living increasing and just recently the minimum wage rising – which will no doubt be passed on immediately to consumers – the last thing anyone wants to be hit with is an unnecessary surcharge. </p> <p dir="ltr">But the surcharge on bills is in fact legal as long – as the customer is aware beforehand. </p> <p dir="ltr">So! That little sign you see at the till of the expected surcharge is your due notice that the extra levy will be in effect. </p> <p dir="ltr">Being open on public holidays and weekends costs business a lot more due to the penalties that apply and it's up to the business on how they want to tackle that extra cost. </p> <p dir="ltr">The surcharge could be placed on the overall bill, or on all items on the menu. Otherwise, the business can just decide to cop the surcharge themselves and not put it on the customer. </p> <p dir="ltr">Regardless, it is always up to the business to decide how much they charge and whether or not prices change, as long as the customer is made aware. </p> <p dir="ltr">The Australian Competition and Consumer Commission (ACCC) has also made it illegal for businesses to hide those surcharges. </p> <p dir="ltr">"Restaurants, cafes and bistros that charge a surcharge on certain days do not need to provide you a separate menu or price list or have a separate price column with the surcharge included," the watchdog says. </p> <p dir="ltr">"However, the menu must include the words 'a surcharge of [percentage] applies on [the specified day or days]' and these words must be displayed at least as prominently as the most prominent price on the menu."</p> <p dir="ltr"><em>Image: Nine News</em></p>

Money & Banking

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