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Motorist fined $387 for "handling wallet" while driving

A motorist has collapsed after receiving a fine for $387, in which the fine claims he was holding his phone while driving. Sydney man Husni Tarmizi opened the infringement notice with his 62-year-old dad on Tuesday and admitted he was both "surprised" and "panicked" by the fine, leaving Husni to pick his father up off the floor after he collapsed from shock. Husni was confused by the fine, which also cost his dad 10 demerit points, as his father is rarely on his phone, and decided to take a closer look at the image captured by the mobile detection camera. "I went to the computer and downloaded the image and I could see clearly that it's a wallet [in his hand], you can see his phone is in the cradle," he told <a href="https://au.news.yahoo.com/driver-fined-387-and-cops-10-demerit-points-for-handling-wallet-while-driving-073557336.html" target="_blank" rel="noopener">Yahoo News</a>. "In his left hand you can see the wallet and his right hand he's holding a $50 bill." Husni continued, "He was quite panicked, especially with the 10 demerit points... and I was scared a bit because he has a heart condition." The 62-year-old man said he recalls holding onto his wallet and the $50 note to pay for petrol over the Easter long weekend, which explains the hefty loss of demerit points. Tarmizi confirmed he has already appealed the infringement and is awaiting a response after people urged him to dispute it. "I've also written an appeal, it's called a review request, we'll see how that goes," he said. "For the older generation where they don't understand the technologies and stuff, it's scary." Image credits: Husni Tarmizi

Legal

AFP commander resigns after drink driving accident

Former Australian Federal Police commander Danielle Anne Woodward has resigned after she drunkenly crashed her car into a tree following a police function in Canberra. The Olympic medalist pleaded guilty to a drink driving charge in the ACT Magistrates Court after blowing nearly three times the legal limit in November 2023. Woodward had attended an end-of-year function on the night of the accident, and intended to walk home or catch an Uber, but felt unwell after drinking champagne, so she decided to take the short drive back home. However, she crashed into a tree on her way home causing “extensive front-end damage” to her Mercedes-Benz. After getting help from members of the public, she immediately reported the incident to her supervisor and told him she had alcohol in her system. She also reportedly co-operated with lower-ranking officials who attended the scene, with the defence saying that she was "frank in her submission". "She was certainly not belligerent," Woodward's lawyer Michael Kukulies-Smith told the court. She was then arrested and taken to the police station for a breath analysis, which came back with a reading of 0.148. A police statement of facts also said that officers found Woodward with a flushed face and sleepy, watery eyes. “Police could smell a strong odour of intoxicating liquor emanating from [Woodward] and formed the opinion that [she] was well under the influence,” the statement of facts read. The court also heard that Woodward had been experiencing a "high level" of stress from her job, so had "at times resorted to alcohol, in a way she has been able to control." "The offending conduct is not only out of character … [but] her actions are usually the complete opposite. They're usually designed to benefit and protect the community," prosecutor Samuel Carmichael said. Woodward's lawyer asked Chief Magistrate Lorraine Walker to record a non-conviction, as this was a "one off" offence, and the media coverage of the accident had already caused her "an unusual degree of reputational damage", which has impacted her mental health and career. While Magistrate Walker agreed to a non-conviction, she said that a general deterrence still needed to be served, with Woodward disqualified from driving for six months, taking into account a 90-day immediate suspension notice that was issued after the crash. The Chief Magistrate told the court: "What ultimately influences me … is Ms Woodward is a woman suffering from ill health. "It is often people of good standing in this community … who find themselves before the court for this type of offence." She also said that Woodward had shown “obvious and palpable” remorse, and was not someone who would ordinarily demonstrate “this level of stupidity”. Woodward was a highly decorated police officer who worked for the AFP for almost four decades. She became a commander in 2022 and received a Medal of the Order of Australia (OAM) in 2002. In 2020 she was awarded the Australian Police Medal in the Australia Day honours. Prior to her role in the AFP, she was a a triple Olympian in slalom canoeing and won a silver medal at the 1992 Barcelona Olympics. Image: ABC News

Legal

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

<a href="https://theconversation.com/profiles/alexandru-nichifor-1342216">Alexandru Nichifor</a>, <a href="https://theconversation.com/institutions/the-university-of-melbourne-722">The University of Melbourne</a> and <a href="https://theconversation.com/profiles/scott-duke-kominers-1494057">Scott Duke Kominers</a>, <a href="https://theconversation.com/institutions/harvard-university-1306">Harvard University</a> Loyalty programs enable firms to offer significantly lower prices to some of their customers. You’d think this would encourage strong competition. But that isn’t always what actually happens. <a href="https://papers.ssrn.com/sol3/papers.cfm?abstract_id=4377561">New research</a> shows that paradoxically, by changing the way companies target customers, loyalty programs can sometimes reduce price competition. The research also points to solutions. <h2>A win-win proposition?</h2> Joining a loyalty program is supposed to be a win-win. You – the customer – get to enjoy perks and discounts, while the company gains useful commercial insights and builds brand allegiance. For example, a hotel chain loyalty program might reward travellers for frequent stays, with points redeemable for future bookings, upgrades or other benefits. The hotel chain, in turn, records and analyses how you spend money and encourages you to stay with them again. Such programs are commonplace across many industries – appearing everywhere from travel and accommodation to supermarket or petrol retailing. But they are increasingly coming under scrutiny. In 2019, the Australian Competition and Consumer Commission (ACCC) <a href="https://www.accc.gov.au/about-us/publications/customer-loyalty-schemes-final-report">cautioned</a> consumers about the sheer volume of personal data collected when participating in a loyalty program, and what companies can do with it. Hidden costs – such as having to pay a redemption fee on rewards or losing benefits when points expire – are another way these schemes can harm consumers. But a larger question – how loyalty programs impact consumers overall – remains difficult to settle, because their effect on competitiveness is unclear. As the ACCC’s <a href="https://www.accc.gov.au/about-us/publications/customer-loyalty-schemes-final-report">final report</a> notes, on the one hand: "Loyalty schemes can have pro-competitive effects and intensify competition between rivals leading to competing loyalty discounts and lower prices for consumers." But on the other hand: "Loyalty schemes can also reduce the flexibility of consumers’ buying patterns and responsiveness to competing offers, which may reduce competition." <h2>How a two-speed price system can hurt everyone</h2> A new economic theory research <a href="https://papers.ssrn.com/sol3/papers.cfm?abstract_id=4377561">working paper</a>, coauthored by one of us (Kominers), suggests that on competitive grounds alone, loyalty programs can sometimes harm all consumers – both ordinary shoppers and the program’s own members. It’s easy to see how the ordinary shopper can be worse off. Since a firm’s loyalty program enables it to offer discounted prices to its members, the firm can raise the base prices it offers to everyone else. Those not participating in the program pay more than they otherwise would have, and the firm can respond by saying “join our program!” instead of having to lower its price. But sometimes, even the program’s own members can end up worse off. When a given customer’s loyalty status is not visible to a firm’s competitors – as is the case in many loyalty programs today – it’s hard for those competitors to identify them and entice them to switch. The main way to compete for those customers becomes to lower the base price for everyone, but this means missing out on the high base margins achieved through the existence of your own loyalty program – remember, having a loyalty program means you can charge non-members more. It’s often more profitable for firms to just maintain high base prices. This, in turn, reduces overall price competition for loyal customers, so firms can raise prices for them, too. <h2>What’s the solution?</h2> Despite these effects on competition, loyalty programs still offer benefits for consumers and an opportunity for brands to form closer relationships with them. So, how do we preserve these benefits while enabling price competition? The research suggests an answer: making a customer’s loyalty status verifiable, transparent and portable across firms. This would make it possible for firms to tailor offers for their competitors’ loyal customers. This is already happening in the market for retail electricity. While there aren’t loyalty programs there per se, a consumer’s energy consumption profile, which could be used by a competitor to calibrate a personalised offer, is known only to their current electricity supplier. To address this, in 2015, the Victorian government launched a <a href="https://compare.energy.vic.gov.au">program</a> encouraging households to compare energy offers. This process involved first revealing a customer’s energy consumption profile to the market, and then asking retailers to compete via personalised offers. By opening information that might have otherwise been hidden to the broader market, this approach enabled firms to compete for each other’s top customers, in a way that could be emulated for loyalty programs. Such systems in the private sector could build upon “<a href="https://thepointsguy.com/guide/airline-status-matches-challenges/">status match</a>” policies at airlines. These allow direct transfer of loyalty status, but currently rely on a lengthy, individual-level verification process. For example, a design paradigm known as “<a href="https://hbr.org/2022/05/what-is-web3">Web3</a>” – where customer transactions and loyalty statuses are recorded on public, shared blockchain ledgers – offers a way to make loyalty transparent across the market. This would enable an enhanced, decentralised version of status match: a firm could use blockchain records to verifiably identify who its competitors’ loyal customers are, and directly incentivise them to switch. Both startups and established firms have experimented with building such systems. <h2>What next?</h2> New academic research helps us model and better understand when loyalty programs could be weakening supply side competition and undermining consumer welfare. A neat universal solution may prove elusive. But targeted government or industry interventions – centred on increasing the transparency of a customer’s loyalty status and letting them move it between firms – could help level the playing field between firms and consumers.<img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/220669/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/alexandru-nichifor-1342216">Alexandru Nichifor</a>, Associate Professor, Faculty of Business and Economics, University of Melbourne, <a href="https://theconversation.com/institutions/the-university-of-melbourne-722">The University of Melbourne</a> and <a href="https://theconversation.com/profiles/scott-duke-kominers-1494057">Scott Duke Kominers</a>, Sarofim-Rock Professor of Business Administration, <a href="https://theconversation.com/institutions/harvard-university-1306">Harvard University</a> Image credits: Getty Images This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/loyalty-programs-may-limit-competition-and-they-could-be-pushing-prices-up-for-everyone-220669">original article</a>.

Money & Banking

"Stuff youse": Pensioner who's never owned a phone fights mobile detection camera fine

A pensioner from New South Wales has disputed a fine he was issued for using his phone while driving, despite never owning a phone. Frank Singh, 77, was captured on a mobile phone detection camera while driving on the Pacific Motorway last September, and was issued a fine for $362. Mr Singh has refused to pay the fine, claiming that he was holding his wallet when the image was captured. He also claims to have never owned a mobile phone or a computer in his life, wondering how the camera made such a mistake. The senior man decided to appeal and take Revenue NSW to court, despite the risk of paying thousands in legal fees if he lost the case. "Looks like I'm guilty on it, but I'm not," he told A Current Affair. "I thought, what the bloody hell is this all about, I don't own a mobile phone. I've never used a mobile phone. What a load of s***." When questioned what the item could be, he said, "I think it could be my wallet." While Mr Singh admitted he can't specifically remember what he was doing at the time, he believes he was possibly placing his wallet on the passenger seat after paying for fuel. Unfortunately, the review of the fine was rejected and Frank was ordered to pay the $362, but he has not given up. "Then I thought stuff youse, I'm not guilty, I don't own a bloody phone," he said. While preparing to appeal the fine once more, Revenue NSW revoked the fine after issuing a letter to Mr Singh saying he would not be required in court following an investigation by the government body. "We have decided to cancel the fine," the letter read. "You little bloody beauty, how good's that," Mr Singh said on hearing the news, before planning to celebrate the win with a beer at his local pub. Image credits: A Current Affair

Legal

“Sky’s the limit”: Why Alex de Minaur is the one to watch at the Australian Open

The tennis world is buzzing with excitement as Alex de Minaur, the 24-year-old Australian sensation, extends his remarkable winning streak in the lead-up to the Australian Open. In a recent charity match held in Melbourne, de Minaur displayed his lethal form by securing a notable victory over the reigning Wimbledon champion, Spain's Carlos Alcaraz. Despite the match's charitable nature, this win marks a significant milestone for de Minaur, who is now ranked No.10 in the world – the highest ranking he has ever achieved. As he gears up for the upcoming Australian Open, de Minaur's triumphs and confidence are setting the stage for an electrifying tournament. The charity match against Alcaraz proved to be more than just a philanthropic endeavour, as de Minaur secured his first-ever win over the reigning Wimbledon champ. Alcaraz, currently ranked No.2 in the world, faced a resilient de Minaur who claimed victory with a 6-4, 5-7, (10-3) scoreline. This triumph not only adds a feather to de Minaur's cap but also instills a newfound confidence as he prepares for the intense battles ahead in Melbourne. De Minaur's recent success in the charity match adds to his growing list of upsets, notably highlighted by his stellar performance in the United Cup tournament. The Australian tennis star showcased his prowess by defeating formidable opponents, including Team USA's Taylor Fritz, tennis legend Novak Djokovic, and world No.7 Alexander Zverev. Leading Australia into the semi-finals, de Minaur's exceptional form during the United Cup laid the foundation for his current confidence and high world ranking. Despite his commanding victory in front of a packed Rod Laver Arena, de Minaur remains humble and focused on the challenges ahead. In a post-match statement, he expressed his gratitude and outlined his motivational mantra, quoting, "'How big would you dream if you knew you couldn't fail?' ... I'm pushing myself every day and hopefully the sky's the limit." As the Australian Open approaches, de Minaur's exceptional form and recent triumphs are capturing the attention of tennis enthusiasts worldwide. With a newfound confidence and a career-high ranking, de Minaur is poised for an exciting and potentially groundbreaking performance in Melbourne. The stage is set for a riveting Aus Open, and fans eagerly anticipate witnessing how far de Minaur can push the limits in 2024. Image: Getty

The sky’s the limit: A brief history of in-flight entertainment

<a href="https://theconversation.com/profiles/olusola-adewumi-john-1490381">Olusola Adewumi John</a>, <a href="https://theconversation.com/institutions/university-of-regina-3498">University of Regina</a> As the winter holidays draw near, many of us are already booking flights to see friends and family or vacation in warmer climates. Nowadays, air travel is synonymous with some form of in-flight entertainment, encompassing everything from the reception offered by the aircrew to the food choices and digital content. These services all add value to flying for customers. Passengers are now so familiar with in-flight entertainment that to travel without it is unthinkable. <a href="https://www.globenewswire.com/news-release/2023/10/19/2762903/0/en/In-Flight-Entertainment-Connectivity-Market-to-Worth-21-03-Bn-by-2030-Exhibiting-With-a-15-9-CAGR.html">The in-flight entertainment and connectivity market grew to US$5.9 billion as of 2019</a>, a testament to its economic impact on both the airlines and the GDP of countries with airline carriers. In-flight entertainment is so ubiquitous that, even if all other airline services were offered, <a href="https://travel.stackexchange.com/questions/19427/will-airlines-compensate-me-if-my-entertainment-system-is-not-working">the airline ensures a refund is made to the passenger affected</a> if television content cannot be accessed. <h2>A brief history</h2> In-flight entertainment has evolved significantly over the years. Before in-flight entertainment media was introduced, passengers entertained themselves by reading books or with food and drink services. The original aim of bringing in-flight entertainment into cabins was to attract more customers, drawing inspiration from a variety of sources, including the theatrical and domestic media environments. It was not initially for the comfort and ease of travelling, as it is today. <a href="https://www.academia.edu/5023683/A_History_of_INFLIGHT_ENTERTAINMENT">Inflight entertainment began as an experiment</a> in 1921, when 11 Aeromarine Airways passengers were shown the film Howdy Chicago! on a screen hung in the cabin during the flight. Four years later, another experiment was carried out in 1925 when 12 passengers on board an Imperial Airlines flight from London were shown the film The Lost World. <a href="https://www.smithsonianmag.com/air-space-magazine/when-did-inflight-movies-become-standard-on-airlines-180955566/">It wasn’t until the 1960s</a> that in-flight movies became mainstream for airlines. Trans World Airlines became the first carrier to regularly offer feature films during flights, using a unique film system developed by <a href="https://www.newyorker.com/magazine/1962/06/02/inflight">David Flexer, then-president of Inflight Motion Pictures</a>. Starting in 1964, in-flight entertainment evolved to include various media types like 16-mm film, closed-circuit television, live television broadcasts and magnetic tape. In the 1970s, for example, airplanes might feature a large screen with a 16-mm projector in one part of the plane, while small screens hung overhead in another section. <a href="https://www.smh.com.au/traveller/reviews-and-advice/when-did-airlines-install-seatback-entertainment-20190711-h1g51b.html">Seatback screens were introduced in 1988</a> when Airvision installed 6.9-centimetre screens on the backs of airline seats for Northwest Airlines. They have since morphed into the larger screens we are familiar with today, which are found on nearly every airline. <h2>In-flight entertainment today</h2> Most airlines nowadays have personal televisions for every passenger on long-haul flights. On-demand streaming and internet access are also now the norm. Despite initial concerns about speed and cost, in-flight services are becoming faster and more affordable. In-flight entertainment now includes movies, music, radio talk shows, TV talk shows, documentaries, magazines, stand-up comedy, culinary shows, sports shows and kids’ shows. However, the rise of personal devices, like tablets and smartphones, <a href="https://www.telegraph.co.uk/travel/comment/the-weird-and-wonderful-history-of-in-flight-entertainment/">could spell the end for seatback screens</a>. A number of U.S. airlines, including American Airlines, United Airlines and Alaska Air, have <a href="https://www.bloomberg.com/news/articles/2019-10-09/airline-seatback-screens-may-soon-become-an-endangered-species">removed seatback screens from their domestic planes</a>. This decline is par for the course. To arrive at the complex system used by aircraft today, in-flight entertainment went through a number of different stages, <a href="https://doi.org/10.1007/978-981-19-0641-1_10">as identified by aviation scholar D.A. Reed</a>. It started with an idea phase, which saw the conception of the idea, followed by an arms race phase where most airlines adopted some form of it. Currently, airlines are facing challenges in the final — and current — phase of evolution, and are dealing with failures linked to business concept flaws or low revenue. Now that most air travellers carry electronic devices, fewer airlines are installing seatback screens. From an economic standpoint, this makes sense for airlines: removing seatback screens <a href="https://mobile.nytimes.com/2018/01/01/business/airlines-travel-entertainment.html">improves fuel costs</a> and allows airlines to <a href="https://www.flightglobal.com/systems-and-interiors/united-ups-757-density-with-new-slimline-seats/126574.article">install slimmer seats</a>, allowing for more passengers. <h2>More than entertainment</h2> At some point in the evolution of in-flight entertainment, it started to serve as more than just a form of entertainment or comfort. Now, it’s also a competitive tool for airline advertisements, and a form of cultural production. In-flight entertainment has become an economic platform for investors, business people, manufacturers and entertainment providers, especially Hollywood. It also plays a key role in promoting the national culture of destination countries. However, the evolution of in-flight entertainment hasn’t been without its challenges. As a form of cultural production, it often reflects the interests of advertisers, governments and business entities. It also follows that <a href="https://doi.org/10.1007/978-981-19-0641-1_10">certain ideas, products and cultures are sold to passengers</a> via in-flight entertainment. The lucrative practice of capturing and selling passengers’ attention to advertisers was not limited to screens, either. In-flight magazines have always been packed with advertisements, and by the late 1980s, these advertisements had spread to napkins and the audio channels. Despite its shortcomings and precarious future, in-flight entertainment still offers passengers a sense of comfort, alleviating concerns about being suspended over 30,000 feet above sea level. If you end up flying during the holidays, remember your comfort is partly thanks to this innovation.<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/218996/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/olusola-adewumi-john-1490381">Olusola Adewumi John</a>, Visiting Researcher, Centre for Socially Engaged Theatre, <a href="https://theconversation.com/institutions/university-of-regina-3498">University of Regina</a> Image credits: Shutterstock 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/the-skys-the-limit-a-brief-history-of-in-flight-entertainment-218996">original article</a>.

Travel Tips

Eagle-eyed motorists spot funny typo on "confusing" new interchange

The new interchange at Rozelle, in Sydney's inner west, has already copped backlash just days after its opening, because of the confusing signage and changed traffic conditions causing chaos among commuters. Now, motorists have spotted another awkward blunder at the bustling "spaghetti junction", intended to improve traffic. Just metres away from the main intersection along Victoria Road and Darling Street, some poor road worker made the same typo twice, in a left-hand turn lane. Instead of saying "buses excepted", they painted "buses expected", and now their mistake has gone viral on social media. "If I was a road, I'd expect buses too," one joked. "I get my bus near there and I'm constantly expecting buses that don't show, so seems accurate," another quipped. The interchange itself has been years in the making and opened up on Sunday. It was intended to connect drivers to the M4 and M8 tunnels, the City West Link, the Western Distributor and give access to the Anzac Bridge with a toll-free bypass of Victoria Road. While the aim of it was to improve traffic flow, just four days after its opening locals are still complaining about the chaotic strip, specifically it's poorly designed signage that has reportedly baffled drivers. One of the new signs suggested there was a toll from Iron Cove Bridge to Anzac Bridge, and while it is actually free, commuters are avoiding the tunnel and trying to switch across multiple roads to avoid presumed fee. Earlier this week, NSW Premier Chris Minns said: "Clearly it's confusing, that spaghetti junction is difficult to navigate and a lot of cars' GPS haven't caught up. "We'll change that sign and I understand the Minister for Roads is putting up those portable electronic signs to show people that you can use that road in particular and not pay the toll." Images: Twitter/ 9News

Travel Trouble

It’s time to limit how often we can travel abroad – ‘carbon passports’ may be the answer

<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> The summer of 2023 has been very significant for the travel industry. By the end of July, international tourist arrivals globally <a href="https://www.unwto.org/news/international-tourism-swiftly-overcoming-pandemic-downturn">reached 84% of pre-pandemic levels</a>. In <a href="https://joint-research-centre.ec.europa.eu/jrc-news-and-updates/eu-tourism-almost-full-recovery-pre-pandemic-levels-2023-10-23_en">some European countries</a>, such as France, Denmark and Ireland, tourism demand even surpassed its pre-pandemic level. This may be great <a href="https://skift.com/insight/state-of-travel/">news economically</a>, but there’s concern that a return to the status quo is already showing dire environmental and social consequences. The summer saw record-breaking heatwaves across many parts of the world. People were forced to flee <a href="https://www.theguardian.com/world/2023/jul/24/greece-wildfires-corfu-evia-rhodes-heatwave-northern-hemisphere-extreme-weather-temperatures-europe">wildfires in Greece</a> and <a href="https://www.independent.co.uk/climate-change/news/hawaii-fires-update-biden-b2393188.html">Hawaii</a>, and extreme <a href="https://www.manchestereveningnews.co.uk/news/world-news/foreign-office-issues-spain-weather-27339111">weather warnings</a> were issued in many popular holiday destinations like Portugal, Spain and Turkey. Experts <a href="https://theconversation.com/european-heatwave-whats-causing-it-and-is-climate-change-to-blame-209653">attributed these extreme conditions</a> to climate change. Tourism is part of the problem. The tourism sector <a href="https://wttc.org/Portals/0/Documents/Reports/2021/WTTC_Net_Zero_Roadmap.pdf">generates around one-tenth</a> of the greenhouse gas emissions that are driving the climate crisis. The negative impacts of tourism on the environment have become so severe that some are suggesting drastic changes to our travel habits are inevitable. In a <a href="https://www.intrepidtravel.com/sites/intrepid/files/basic_page/files/A%20Sustainable%20Future%20For%20Travel%20From%20Crisis%20To%20Transformation-231016-02.pdf">report</a> from 2023 that analysed the future of sustainable travel, tour operator Intrepid Travel proposed that “carbon passports” will soon become a reality if the tourism industry hopes to survive. <h2>What is a carbon passport?</h2> The idea of a carbon passport centres on each traveller being assigned a yearly carbon allowance that they cannot exceed. These allowances can then “ration” travel. This concept may seem extreme. But the idea of personal carbon allowances is not new. A <a href="https://publications.parliament.uk/pa/cm200708/cmselect/cmenvaud/565/565.pdf">similar concept</a> (called “personal carbon trading”) was discussed in the House of Commons in 2008, before being shut down due to its perceived complexity and the possibility of public resistance. The <a href="https://www.nature.org/en-us/get-involved/how-to-help/carbon-footprint-calculator/#:%7E:text=A%20carbon%20footprint%20is%20the,is%20closer%20to%204%20tons.">average annual carbon footprint</a> for a person in the US is 16 tonnes – one of the highest rates in the world. In the UK this figure sits at 11.7 tonnes, still more than five times the figure recommended by the <a href="https://www.openaccessgovernment.org/the-average-british-carbon-footprint-is-five-times-over-paris-agreement-recommendations/152669/#:%7E:text=Despite%20rising%20environmental%20awareness%20across,equivalent%20(tCO2e)%20per%20year.">Paris Agreement</a> to keep global temperature rise below 1.5°C. Globally, the average annual carbon footprint of a person is closer to 4 tonnes. But, to have the best chance of preventing temperature rise from overshooting 2°C, the average global carbon footprint <a href="https://www.nature.org/en-us/get-involved/how-to-help/carbon-footprint-calculator/#:%7E:text=Globally%2C%20the%20average%20carbon%20footprint,tons%20doesn't%20happen%20overnight!">needs to drop</a> to under 2 tonnes by 2050. This figure equates to around <a href="https://www.theguardian.com/environment/ng-interactive/2019/jul/19/carbon-calculator-how-taking-one-flight-emits-as-much-as-many-people-do-in-a-year">two return flights</a> between London and New York. Intrepid Travel’s report predicts that we will see carbon passports in action by 2040. However, <a href="https://www.politico.eu/article/travel-short-haul-flights-europe-under-fire-climate-change-cop26/">several laws and restrictions</a> have been put in place over the past year that suggest our travel habits may already be on the verge of change. <h2>Targeting air travel</h2> Between 2013 and 2018, the amount of CO₂ emitted by commercial aircrafts worldwide <a href="https://theicct.org/sites/default/files/publications/ICCT_CO2-commercl-aviation-2018_20190918.pdf">increased by 32%</a>. Improvements in fuel efficiency are slowly reducing per passenger emissions. But <a href="https://www.sciencedirect.com/science/article/pii/S1352231014004889">research</a> from 2014 found that whatever the industry’s efforts to reduce its carbon emissions, they will be outweighed by the growth in air traffic. For emission reductions to have any meaningful effect, ticket prices would have to rise by 1.4% each year, discouraging some people from flying. However, in reality, <a href="https://www.climatecentral.org/news/increase-in-flights-will-outweigh-carbon-cuts-17875">ticket prices are falling</a>. Some European countries are beginning to take measures to reduce air travel. As of April 1 2023, passengers on short-haul flights and older aircraft in Belgium have been <a href="https://www.euronews.com/green/2022/12/12/private-jets-and-short-haul-flights-face-pollution-busting-tax-increases-in-belgium">subject to increased taxes</a> to encourage alternative forms of travel. Less than two months later France banned <a href="https://www.bbc.co.uk/news/world-europe-65687665">short-haul domestic flights</a> where the same trip can be made by train in two-and-a-half hours or less. <a href="https://businesstravelerusa.com/news/spain-to-follow-frances-lead-plans-to-ban-short-haul-domestic-flights/">Spain</a> is expected to follow suit. A similar scheme could also be on the horizon for Germany. In 2021, a <a href="https://www.cleanenergywire.org/news/seventy-percent-germans-favour-banning-short-haul-flights-survey">YouGov poll</a> found that 70% of Germans would support such measures to fight climate change if alternative transport routes like trains or ships were available. <h2>Cruises and carbon</h2> It’s not just air travel that’s being criticised. An <a href="https://www.transportenvironment.org/wp-content/uploads/2023/06/The-return-of-the-cruise-June-2023.pdf">investigation</a> by the European Federation for Transport and Environment in 2023 found that cruise ships pump four times as many sulphuric gases (which are proven to cause acid rain and <a href="https://www.forbes.com/sites/jamesellsmoor/2019/04/26/cruise-ship-pollution-is-causing-serious-health-and-environmental-problems/?sh=468ee2f637db">several respiratory conditions</a>) into the atmosphere than all of Europe’s 291 million cars combined. Statistics like these have forced European destinations to <a href="https://www.ft.com/content/8727387d-590d-43bd-a305-b5ec208a4dfe">take action</a> against the cruise industry. In July, Amsterdam’s council <a href="https://www.bbc.co.uk/news/world-europe-66264226">banned cruise ships</a> from docking in the city centre in a bid to reduce tourism and pollution – an initiative that has shown success elsewhere. In 2019 Venice was the most polluted European port, due to large numbers of cruise ship visits. But it dropped to 41st place in 2022 after a ban on large cruise ships entering the city’s waters <a href="https://www.transportenvironment.org/discover/europes-luxury-cruise-ships-emit-as-much-toxic-sulphur-as-1bn-cars-study/">reduced air pollutants from ships</a> in Venice by 80%. <h2>Changing destinations</h2> Intrepid Travel’s report also highlights that not only how we travel, but <a href="https://joint-research-centre.ec.europa.eu/jrc-news-and-updates/global-warming-reshuffle-europes-tourism-demand-particularly-coastal-areas-2023-07-28_en">where we travel</a> will soon be impacted by climate change. Boiling temperatures will probably diminish the allure of traditional beach destinations, prompting European tourists to search for cooler destinations such as Belgium, Slovenia and Poland for their summer holidays. <a href="https://www.travelweekly.com/Travel-News/Tour-Operators/Travelers-seek-cooler-destinations-this-summer">Several travel agencies</a> reported seeing noticeable increases in holiday bookings to cooler European destinations like Scandinavia, Ireland and the UK during 2023’s peak summer travel months. Whatever the solution may be, changes to our travel habits look inevitable. Destinations across the globe, from <a href="https://www.theneweuropean.co.uk/barcelonas-war-on-tourism-ada-colau/">Barcelona</a> to the <a href="https://www.dw.com/en/italy-tourism-bans-controls-fees-restrictions/a-66453047">Italian riveria</a> and even <a href="https://theconversation.com/death-on-everest-the-boom-in-climbing-tourism-is-dangerous-and-unsustainable-114033">Mount Everest</a> are already calling for limits on tourist numbers as they struggle to cope with crowds and pollution. Holidaymakers should prepare to change their travel habits now, before this change is forced upon them. <a href="https://theconversation.com/profiles/ross-bennett-cook-1301368">Ross Bennett-Cook</a>, Visiting Lecturer, School of Architecture + Cities, <a href="https://theconversation.com/institutions/university-of-westminster-916">University of Westminster</a> Image credits: Getty Images This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/its-time-to-limit-how-often-we-can-travel-abroad-carbon-passports-may-be-the-answer-216503">original article</a>.

International Travel

Limited edition King Charles stamps up for grabs

Australia Post has released a limited edition stamp collection to celebrate King Charles' 75th birthday. Two of the stamps will mark the King's birthday on the 14th of November, while the third will commemorate his coronation. This is the first time the King has featured on an Australia Post stamp since his coronation. Australia Post said that the special one-off collection “serves as a tribute to his dedicated service, education, and the betterment of society”. In a media release they also said that "The collection encapsulates the essence of King Charles III's legacy, embodying his continued commitment to tradition and progress." The first stamp features a black-and-white photo of young King Charles during his journey to Sydney in 1966, where he was greeted by then Prime Minister Harold Holt. The second one is of the King in 2018 which “showcases His Majesty seated at his desk, symbolising a lifetime of duty and leadership”. The third picture highlights his coronation as the King is pictured in his crown. All three limited edition stamps are priced at $1.20 and are now on sale across the country at participating post offices, via mail order on 1800 331 794 and <a href="https://auspost.com.au/shop/collectables" target="_blank" rel="noopener">online</a>. Images: Australia Post/ The Royal Family

Money & Banking

Channel 10 newsreader admits to driving while four times over the legal limit

Natasha Exelby, a well-known journalist and former Channel 10 newsreader, recently found herself in the spotlight for an entirely different reason than her on-air mishap in 2017. On a fateful day last June, she was involved in a drink driving incident in Toorak, Melbourne. This incident marked a low point in her life, but it also sheds light on the profound impact of mental health struggles and the road to recovery. Exelby, 34, appeared before the Melbourne Magistrates' Court and made a candid admission: she had driven while suspended and under the influence of alcohol, registering a blood alcohol concentration of .220, over four times the legal limit. She narrowly escaped conviction but didn't escape the consequences of her actions. In her statement to the <a href="https://www.heraldsun.com.au/truecrimeaustralia/police-courts-victoria/journalist-natasha-exelby-busted-drink-driving-after-crashing-into-parked-car-while-four-times-over-legal-limit/news-story/f710cdbc849622fb4e298b61c049c1f3" target="_blank" rel="noopener">Herald Sun</a>, Exelby took full responsibility for her actions, citing her ongoing battle with major depression and post-traumatic stress disorder. She courageously acknowledged her struggles and the role they played in her regrettable choices that day. "It's no secret that I've suffered from major depression and post-traumatic stress disorder for many years," she said. "At the time of the incident, I was going through a very dark period with multiple medication changes. Never in my life did I think I would be capable of what happened but regardless of my mental health, my actions were shocking beyond words and I take full responsibility." Her journey towards this dark moment was marked by openness about her mental health. In September 2022, she appeared on Studio 10, where she revealed the depths of her internal battles. She discussed experiencing episodes of inexplicable crying, a common symptom of depression. This revelation was crucial in the context of R U OK? Day, emphasizing the importance of checking on the well-being of those around us. Natasha's admission serves as a stark reminder that mental health issues are every bit as valid as physical ailments. She compared her experience with depression to "drowning" and disclosed that she had been on medication and in therapy for major depression for years. Her message is clear: it's okay to seek help when battling these internal demons, and recovery is possible, even if it's a long and winding road. Exelby's struggle with mental health is by no means a recent development. She revealed that she had been dealing with major depression since the age of 15, highlighting the enduring nature of the condition. Her story is an inspiration for others who are going through similar challenges, proving that there is light at the end of the tunnel, even when it feels like the journey will never end. Before her battle with depression and her recent legal troubles, Exelby made headlines in 2017 for an <a href="https://www.news.com.au/entertainment/tv/flashback/one-year-later-why-natasha-exelby-isnt-haunted-by-abc-blooper/news-story/24398919d522c0029e6d7963f165897d" target="_blank" rel="noopener">on-air gaffe</a> during an ABC news broadcast. Despite the initial shock, she took the incident in stride, even finding humour in it and acknowledging the role that social media and celebrities like Russell Crowe played in making the video go viral. It was a moment of resilience and self-awareness that foreshadowed her future ability to face her own mental health struggles. Exelby's open honesty, her admission of her mistakes and her ongoing battle with mental health challenges is a reminder that anyone can face difficulties, regardless of their public persona. By sharing her experiences, Exelby is contributing to the ongoing conversation about mental health, helping to break down the stigma that often surrounds it. Images: Instagram

Legal

Common car act could cost touchy drivers a hefty fine

A worried driver has shared his concerns over being slapped with a potential fine after being caught holding his girlfriend's hand while driving. The man questioned whether the hand holding warranted a fine, after the couple passed a road safety camera in the "compromising" position. “Me and my girlfriend were holding hands and there was a camera on the left side, will they fine me?” the poster anonymously posted in a Facebook group for discussions about mobile phone detection camera locations in Australia. Online responses were varied from commenters, as many thought he driver could attract a fine as the act could be misconstrued as a more serious offence. One person wrote, “Was there a (mobile phone) between your hand and your girlfriends?" while another cheekily added “As long as she was just holding your hand.” But while some people mocked the question, others were closer to the mark, writing, “Holding her hand is no problem other than you may not have had effective control of the vehicle.” “Both hands on the steering wheel is my take on it,” another said. While police and transport authorities confirmed to <a href="https://7news.com.au/travel/driving/common-driving-act-that-could-cost-romantic-drivers-up-to-514-c-12217058" target="_blank" rel="noopener">7News</a> that no specific rule exists for holding hands, if the hand-holding is deemed to constitute a failure to maintain proper control of a motor vehicle, that would be an offence under Australian Road Rule 297 of the Road Traffic Act 1961. The rule is observed nationally, but not all states fine offending motorists equally. Those who are caught red-handed could be fined between $215 and $514 depending on where they are. A Department of Transport and Main Roads spokesperson said that drivers should use their best judgement, saying, “Drivers must also drive with care and attention, as there are significant penalties for more serious offending.” Image credits: Getty Images

Legal

10 driving tips to stay safe in wet weather

Driving in the rain? Follow these tips for safe driving in wet weather This should go without saying, but reducing your speed – as long as you continue to keep with the flow of traffic, of course – is imperative when driving in the rain. After all, between the downpour and spray from other vehicles, heavy rain reduces visibility in all directions, and you need more time to react. Keep your distance Driving in the rain can be hazardous, and if ever there is an incident that requires you – or the driver in front you – to brake unexpectedly, you’ll want to have ample stopping distance on wet roads. Avoid heavy breaking While driving in the rain, you may find yourself in situations – whether you’re hydroplaning or finding yourself in a skid – that will tempt you to hit the brakes abruptly. Do your best to curb that impulse. Brakes can be affected greatly by water, losing a bit of their power when wet, which can be disastrous in an emergency. Easing off the brakes, slowing down and maintaining control of your vehicle is your best bet. Keep both hands on the wheel Control is of utmost importance when driving in the rain. After all, you need to be in command of your vehicle should an incident occur, and having both hands on the wheel while driving in the rain (no snacking or fiddling with the radio!) will ensure you can get out of a sticky situation quickly and efficiently. Keep windows from fogging up When driving in rain, windows tend to fog up as a result of the difference in temperatures inside and outside the car and can lead to decreased visibility. To stay safe and avoid accidents, simply press your car’s defrost button to clear-up the window. Turn on your A/C or roll down the windows by a couple of centimetres to remove the humidity from the vehicle and lower the temperature inside the car. If the issue persists, you may want to purchase a windshield cleaner and defogger. Beware of hydroplaning Hydroplaning happens when your car travels above the water without touching the ground. Given that a driver is left with little-to-no grip with the road and, thus, less control, this can be a dangerous set of circumstances. If you find yourself in such a situation, stay calm, ease off the brakes and do not turn your steering wheel; let your car slow down and the tires reattach to the road surface. Avoid puddles Windshield wipers should always be in working condition. Be vigilant about replacing them once per year, or whenever they start to leave streaks on the glass. Having wipers blades in tip-top shape ensures the best possible visibility when driving in the rain. Stay home if you can If you have no choice but to head outside during a heavy downpour, be sure to follow these driving tips. However, if you don’t have anywhere pressing to be, consider staying home and waiting it out until the storm subsides. Keep your headlights on With wet weather often comes fog and overall gloominess. With your surroundings slightly darkened, turning on your headlights ensures that you can see the road in front of you, and that other drivers can see you. Ensure windshield wipers are in working order Windshield wipers should always be in working condition. Be vigilant about replacing them once per year, or whenever they start to leave streaks on the glass. Having wipers blades in tip-top shape ensures the best possible visibility when driving in the rain. Image credits: Getty Images This article originally appeared on <a href="https://www.readersdigest.com.au/food-home-garden/home-tips/10-driving-tips-to-stay-safe-in-wet-weather" target="_blank" rel="noopener">Reader's Digest</a>.

Travel Tips

Past charges against mushroom poisoning suspect uncovered

Erin Patterson, the woman under investigation for allegedly cooking the deadly mushroom meal that claimed the lives of three people, has previously faced a series of charges after being involved in a drunk-driving incident. According to reports from The Australian, the 49-year-old was convicted in 2004 of driving drunk in an unregistered vehicle. Court records have revealed that Patterson, who was then known as Erin Trudi Scutter and was aged 29, faced legal consequences for her reckless actions, losing her license for 30 months after crashing her vehicle in the eastern suburbs of Melbourne while heavily intoxicated. The reports revealed that after the crash, she fled from authorities by speeding away from the crash scene, reaching 95 km/h in a 60 km/h zone. The convictions that were handed down were for charges of failing to stop a vehicle after an accident, failing to provide identifying information after causing property damage, using an unregistered vehicle on a highway, failing to provide information after property damage, and driving at 95 km/h in a restricted 60 km/h zone. At the time of the crash, Erin's blood alcohol level was 0.14 per cent, indicating significant impairment, however the charges of drink driving were dropped, potentially due to overlapping elements in other charges. Patterson has yet to comment on the previous charges, after being advised by her lawyer not to make any public comments as she remains under investigation for the deadly mushroom meal. She has <a href="https://www.oversixty.com.au/finance/legal/details-of-erin-patterson-s-police-statement-around-fatal-mushroom-meal-revealed" target="_blank" rel="noopener">denied any wrongdoing</a> in the mushroom incident, although according to police, they are investigating Patterson because she was the only adult among five who did not either die or suffer severe illness after ingesting the deadly mushrooms. Image credits: A Current Affair

Legal

Police lie in wait for Kyle Sandilands after on-air boasts

Well, well, well, it seems like Kyle Sandilands has become quite the sensation among the law enforcement agencies. This Tuesday morning was no ordinary day for the radio star, as he drove into KIIS FM's studios only to find himself caught in a wild ambush by the cops. Yes, you read that right! In a video that was later shared on The Kyle and Jackie O Show's Instagram account, viewers were shown several police officers patiently waiting for Sandilands to arrive at the ungodly hour of 5:30 am. As Kyle stepped out of his luxurious $250,000 Cadillac Escalade Platinum 4WD, the officers approached him, ready to take action. But wait – it turns out this encounter wasn't your typical traffic stop. In fact, it was all about Kyle's on-air shenanigans! The station's employees spilled the beans, revealing that the police had a little chat with them while they eagerly waited for Kyle's arrival. Turns out, the boys in blue just wanted to have a friendly discussion with the father-of-one about his knack for making outrageous comments on the radio. "The highway patrol dude[s], they've come out and they've said, 'Listen, we've heard you on the air saying you think the coppers are after you," said Kyle. "And they've come out to tell me they're not after me." Kyle, being the smooth talker that he is, managed to talk himself out of any real trouble, with the audio recording from the station capturing his finesse in action. But here's the kicker: he didn't entirely believe their explanation. In fact, he expressed concern about his dwindling points on his driver's license, mentioning that he only had four left. However, the encounter did not end in tears or sirens blaring. In a surprising turn of events, Kyle decided to call one officer's fiancée, who happened to be a fan of the show, just to tell her that she had landed herself "a good one" in her law enforcement beau. Smooth move, Kyle, smooth move! Now, let's rewind to 2021 when Sandilands confessed to accumulating a whopping $16,000 worth of fines in just one year. He practically treats parking fines like they're going out of style. During a lively conversation with his manager and pal, Bruno Bouchet, on The Kyle and Jackie O Show, Kyle spilled the beans on his parking escapades. Apparently, he has witnessed firsthand the magical art of getting away with parking violations. According to Bruno, there are a few parking rangers who are loyal fans of the show and would rather not deal with the hassle of booking Kyle. But Kyle takes his parking rebellion to the next level. He boldly declared, "I never buy a ticket, I say f**k the local council, I'm not paying you $4, screw yourself!" The numbers don't lie, and neither does Jackie O's shocked expression. Let's break down the fines, shall we? 18 fines for "parking continuously longer than indicated" racked up a bill of $2,088. Kyle's blatant disregard for stop signs earned him 25 violations, totalling $5,675. And if that wasn't enough, stopping in a loading zone like it's his personal VIP parking spot resulted in a staggering 42 charges, adding up to $8,148. The grand total for the year? A jaw-dropping $15,911! Naturally, Jackie couldn't hide her disbelief and told Kyle that it was a "waste of money." But Kyle had an explanation (or maybe an excuse?) up his sleeve. He admitted that sometimes he mistakes the ticket fines for Domino's flyers on his car window. Ah, the struggles of a wealthy and famous man! In the grand scheme of things, $16,000 is pocket change for Kyle, who reportedly rakes in a mind-boggling $5 million per year for hosting The Kyle and Jackie O Show. Well, there you have it, folks, a true rebel fighting against the system, one parking ticket at a time. Images: KIIS FM

Legal

"Who picks a fight with a rock star?" Jimmy Barnes confronts on-road "bully"

Jimmy Barnes' wife Jane has ripped into a truck driver who "bullied" the couple on the road, with the driver attempting to "fight Jimmy on the roadside". Jane Barnes said the incident occurred on Wednesday night in the south Sydney suburb of Botany Bay, when the couple had been driving home from a charity event. In a furious thread on Twitter, Jane detailed the terrifying incident which resulted in the police being called. Jane wrote, "(He) cut us off across our lane and swiped our mirror, wanted to fight Jimmy on the roadside." "Trucks are like weapons, bullies behind the wheel a danger to us all," she wrote, alongside the hashtags #TOLL and #NOtobullies. Jane then shared a photo of the truck drivers' side profile as he almost came to blows with the rockstar, as well as photos of the truck's license plate and the Barnes' car which shows the drivers' side wing mirror bent out of place. Jane went on to say the truckie had shared his details with the couple and that NSW Police had been called over the altercation. However, she said, officers "couldn't do much" if there were no injuries or damages. Jane's post drew in a wave of attention, with one fan asking, "Who picks a fight with a rock star?" Ms Barnes replied, "Shouldn't matter who it is. This guy was just a pig. Swearing, smug, ignorant, misogynist bully." The musician continued her rant on Instagram, writing, "When you drive a truck you're in charge of a weapon. A bully at the wheel can kill people." Many sent their sympathies to the couple, with some saying the tweet was "poignant" given the increase in accidents on Aussie roads. Image credits: Twitter

Travel Trouble

5 money mistakes that drive experts crazy and what to do instead

Cost of living has hit us hard across the board, from interest rate rises through to inflation increasing the price of a weekly shop along with a range of goods and services. As a financial planner, I spend a lot of my time talking to clients about how to get the most value from their earnings. No matter the income level, there’s often key money mistakes people make that can have a real impact on their financial life in addition to the cost of living pressures. In good news, these can easily be fixed once you start paying attention to them. Let’s take a look at the 5 most common and how to solve them. Thinking too short term People generally spend more time on planning their holidays than to planning their financial lives. It's easy to fall into the trap of thinking to short-term. If we get paid weekly or fortnightly or monthly we tend to think about planning and spending in the same timeframe. There is real benefit though too having some medium and long term planning. Medium term planning is especially important for paying off debts and savings goals. Long term planning is especially important for your retirement planning including your superannuation and even paying off a home loan. So spend some time thinking about your medium and long term goals too. The average weekly wage in Australia is $1,769.80 per week. Over 12 months that is $92,029.60. Over a 45 year working life that amount is over $4.1 million. That’s a lot of income! Respect your earnings and make a plan to make the most of it, not only in the short term, but the medium and long term too. Not paying attention to your spending As a financial planner I’ve genuinely lost count of the number of clients I’ve had sitting across the desk from me who earn great money but don't know where a great deal if it goes. They earn a good wage and they have a sense that things are going OK, because they think too short term. They also don’t pay attention to their spending. As a result they miss out on medium and long-term opportunities to make the most of their earnings. Paying attention to your spending doesn't mean that you have to give up the things you love for example a morning coffee on your way to work either. Paying attention to your spending is not like being on a diet. It’s not about going without. It’s about making sure when you do spend your hard earned money you shop around to try and get the best value you can. Credit cards, loans, car insurance, mobile phones, electricity bills and health insurance are all regular expenses most people have. They should however never be set and forget. Find better value and pay attention to your spending. It will give you the opportunity to save and invest more and achieve your goals sooner. Being uninterested in interest rates Ask anyone with a home loan right now and they will tell you about the impact of rising interest rates on their life. Interest is the cost of money. If you’re a lender, it’s what you pay for borrowing money. It might be a short-term loan like a credit card, a medium-term loan like a personal loan for a car, or a long-term loan to help you buy a mortgage. If you’re an investor interest also matters. Let’s say you’ve saved $50,000 and were getting a 4% return, that’s an extra $2,000 a year on top of your current wage or salary. I’m sure there’s lots you could do with that money. Regardless if you’re a borrower or an investor, the interest rate you’re paying or earning matters. Over time, interest adds up. Over 5 years, for example, that $2,000 becomes $10,000, plus there’s interest earned on the interest too. If you’ve got debt pay it back as quickly as you can comfortably afford to. And if you’re about to get a debt, factor in a few additional interest rate rises. It is really important to make sure you stress-test your ability to pay back the loan under higher interest rates. Not keeping it real Most things we do in life have a financial consequence and it’s important to keep it real. I spend a great of my time as a financial planner asking people what really matters to them. Is life really about showing off to family and friends new purchases on Instagram? Probably not. Having a focus on your own goals makes a world of difference. It provides you with something that can drive you forward. One of the real dangers of the social media world we live in today, especially for younger Australians is the desire to keep up with their friends. What they often don’t see is the financial stress their friends are putting themselves under to have everything right now or the difficult conversations behind closed doors about how to keep it going or reduce the financial stress they’re not telling you about. Your only obligation in your adult financial life is to yourself, your spouse and your kids if you have them. Being overconfident is just as dangerous for your financial health as being too under confident in your financial life. Being overconfident may make you take too much risk. Being too conservative might mean you miss out on opportunities. At the end of the day you need to find the right balance for you and make sure the goals you set and the financial decisions you make are within your own comfort zone. Forgetting to reward and celebrate success along the way If you’re going to set yourself some medium and long-term goals, pay attention to your spending and interest rates as well as keeping it real, then you also need to reward yourself along the way. Rewarding yourself for achieving goals makes setting goals much easier. And if you’ve got medium and long term goals like paying off a car loan, paying down the mortgage or saving into super for your retirement, celebrate key milestones. For example it might be going out for a nice dinner or getting concert tickets for every $25,000 that’s saved into super or paid off a home loan. Your financial life done well shouldn’t be a chore or a bore. If it is you’re doing it wrong. Spend some time and energy to rethink your financial life, learn more about how money works and go forward more confidently to achieve your goals. Luke Smith is a licensed Australian financial planner and author of the new book, Smart Money Strategy – Your Ultimate Guide to Financial Planning (Wiley, $34.95), published by Wiley. Luke is also the host of the popular podcast ‘The Strategy Stacker – Luke Talks Money’ and appears every Friday afternoon on Canberra’s 2CC. Find out more at <a href="http://www.thestrategystacker.com.au">www.thestrategystacker.com.au</a> Image credits: Getty Images

Money & Banking

Limited edition Mother's Day treat for the mum who has everything

Tim Tam has released a limited edition gift box just in time for Mother’s Day. The Australian made Tim Tam scented candle and reed diffuser set will leave the house smelling like a “rich and decadent chocolate oasis”. At just $100, the scented candle and reed diffuser is vegan and cruelty-free. “This premium set has been carefully blended to truly immerse yourself in the aromatic layers of Tim Tam decadence,” the Tim Tam website reads. “Indulge your senses with rich, decadent, cocoa notes from a chocolate absolute accented with layers of caramel, tonka bean and a hint of sandalwood.” Each box contains a one Tim Tam scented Diffuser 200ml, a Tim Tam scented Candle 300g, a packet of Tim Tam Deluxe Salted Caramel Brownie 175g and a packet of Tim Tam Original 200g. For more brilliant gift ideas for Mum, check out the full range of <a style="box-sizing: border-box; color: #d90000; text-decoration-line: none; background-color: #ffffff; transition: all 0.2s ease-in-out 0s; font-size: 16px; border: 0px; font-family: Raleway, sans-serif, 'Helvetica Neue', Helvetica, Arial; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;" href="https://www.innovations.com.au/p/gifts/mothers-day-gifts?utm_source=over60&utm_medium=nativearticle&utm_campaign=MothersDayGifts" target="_blank" rel="noopener">Innovations Mother’s Day Gift Ideas here</a>. Image: Tim Tam Shop

Family & Pets

The Long and Winding Road

Road-trip preparedness. If you're planning on taking a road-trip for your next holiday, think beyond your standard checklist. Snacks, music and emergency kits are necessities, but pre-planning and forget-them-not extras will make for smoother trails ahead. <span style="box-sizing: border-box; border: 0px; font-family: Raleway, sans-serif, Arial; font-size: 16px; font-weight: 600; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline; color: #444444; background-color: #ffffff;">Safety Don’t wait until the last minute to have your car tuned up if you’re taking your own. Many a trip has been delayed or cancelled due to maintenance issues. If you haven’t already got roadside assistance, sign up with your insurer. <p style="box-sizing: border-box; border: 0px; font-family: Raleway, sans-serif, Arial; font-size: 16px; margin: 0px 0px 20px; outline: 0px; padding: 0px; vertical-align: baseline; color: #444444; background-color: #ffffff;">The right ride Is your vehicle ideal for your trip? For maximum convenience, find one to match your itinerary. Opt for a fuel-efficient car for longer trips or get an all-wheel drive or four-wheel drive if you’re planning to explore back roads. <p style="box-sizing: border-box; border: 0px; font-family: Raleway, sans-serif, Arial; font-size: 16px; margin: 0px 0px 20px; outline: 0px; padding: 0px; vertical-align: baseline; color: #444444; background-color: #ffffff;">Insurance If you already own a vehicle but are choosing to rent another for the trip, talk to your insurance provider about adding to your plan if you’re not already covered. <p style="box-sizing: border-box; border: 0px; font-family: Raleway, sans-serif, Arial; font-size: 16px; margin: 0px 0px 20px; outline: 0px; padding: 0px; vertical-align: baseline; color: #444444; background-color: #ffffff; text-align: center;">PACK SMART <p style="box-sizing: border-box; border: 0px; font-family: Raleway, sans-serif, Arial; font-size: 16px; margin: 0px 0px 20px; outline: 0px; padding: 0px; vertical-align: baseline; color: #444444; background-color: #ffffff;">A road atlas You’ll probably bring a smartphone or GPS unit, but electronics can get lost or break down, and there are always some spots where you can’t get a signal. Road atlases never fail. <p style="box-sizing: border-box; border: 0px; font-family: Raleway, sans-serif, Arial; font-size: 16px; margin: 0px 0px 20px; outline: 0px; padding: 0px; vertical-align: baseline; color: #444444; background-color: #ffffff;">Stand-up comedy When road trips don’t go as planned, moments of levity are scarce. Funny CDs or podcasts from your favourite comedian will release tension. <p style="box-sizing: border-box; border: 0px; font-family: Raleway, sans-serif, Arial; font-size: 16px; margin: 0px 0px 20px; outline: 0px; padding: 0px; vertical-align: baseline; color: #444444; background-color: #ffffff;">Refreshers Wet wipes, travel-size deodorant and a small spritzer bottle full of water can bridge the gap until your next shower. <p style="box-sizing: border-box; border: 0px; font-family: Raleway, sans-serif, Arial; font-size: 16px; margin: 0px 0px 20px; outline: 0px; padding: 0px; vertical-align: baseline; color: #444444; background-color: #ffffff;"> <p style="box-sizing: border-box; border: 0px; font-family: Raleway, sans-serif, Arial; font-size: 16px; margin: 0px 0px 20px; outline: 0px; padding: 0px; vertical-align: baseline; color: #444444; background-color: #ffffff;">Sports equipment A Frisbee, skipping ropes or bocce balls will motivate you to take regular breaks and get your blood flowing. Image credit: Shutterstock This article originally appeared on <a href="https://www.readersdigest.com.au/travel/road-trips/long-winding-road" target="_blank" rel="noopener">Reader's Digest</a>.

Domestic Travel

The truth about ‘illegal’ car snacks revealed

Be it a long haul trip between towns, a coastal getaway, or an early morning Saturday sports run to the local oval, drivers all across Australia have found themselves steering to the drive-through or reaching in the Esky for a much-needed snack. And while rumours have swirled for years that such an act could put hungry drivers behind bars, they don’t have to fear any longer. Road rules may differ from state to state, but at the end of the drive, the answer remains the same: it isn’t illegal to eat while driving in Australia. There are, of course, various conditions that come along with the ruling, and most circle back to whether or not a driver is in complete control over their vehicle at the time of snacking. For example, in New South Wales, if you are found to have lost control of your vehicle due to eating, police officers have the power to impose a fine of $481 and three demerit points. In Victoria, there is no specific rule that prevents drivers from digging in on their drive. However, they can still receive a careless driving charge if eating is found to have a negative impact on either their concentration or their control over their vehicle. This charge comes with a penalty of $444 and - like New South Wales - three demerit points, as well as a maximum of 12 court penalty units if the driver is found guilty by a magistrate. The state of Queensland follows suit - it isn’t illegal there either, though “distracted driving” remains a real threat, with research even determining that eating can be just as dangerous as texting while behind the wheel. And drivers found to be travelling without control over their vehicles can face a fine of up to $575. While this is larger than either New South Wales or Victoria’s financial penalty, the demerit point cost remains the same at three. As a spokesperson for Queensland Transport and Main Roads told Drive, “a driver must always have proper control of their vehicle and drive with care and attention for the safety of other road users. "While there are no specific laws prohibiting a driver from eating while driving, it is up to the driver to ensure they remain in proper control of their vehicle and sufficiently alert to the road environment." And for drivers in the Northern Territory, the Australian Capital Territory, Tasmania, Western Australia, and South Australia, Drive have reported that the message essentially remains the same. While there are no rules that specifically prohibit behind-the-wheel snacking, a driver can - and will - face penalties if they are found to be demonstrating poor control of their vehicle. Images: Getty

Travel Trouble

We were told we’d be riding in self-driving cars by now. What happened to the promised revolution?

According to <a href="https://electrek.co/2015/12/21/tesla-ceo-elon-musk-drops-prediction-full-autonomous-driving-from-3-years-to-2/">predictions</a> <a href="https://www.vanityfair.com/news/2016/09/lyfts-president-says-car-ownership-will-all-but-end-by-2025">made</a> nearly a decade ago, we should be riding around in self-driving vehicles today. It’s now clear the autonomous vehicle revolution was overhyped. Proponents woefully underestimated the technological challenges. It turns out developing a truly driverless vehicle is hard. The other factor driving the hype was the amount of money being invested in autonomous vehicle startups. By 2021, it was estimated more than <a href="https://www.washingtonpost.com/outlook/2022/02/04/self-driving-cars-why/">US$100 billion</a> in venture capital had gone into developing the technology. While advances are being made, it is important to understand there are multiple levels of autonomy. Only one is truly driverless. As established by <a href="https://www.sae.org/blog/sae-j3016-update">SAE International</a>, the levels are: <ul> <li> level 0 — the driver has to undertake all driving tasks </li> <li> level 1, hands on/shared control — vehicle has basic driver-assist features such as cruise control and lane-keeping </li> <li> level 2, hands off – vehicle has advanced driver-assist features such as emergency braking, adaptive cruise control, auto park assist and traffic-jam assist </li> <li> level 3, eyes off — vehicle drives itself some of the time </li> <li> level 4, mind off — vehicle drives itself most of the time </li> <li> level 5, steering wheel option — vehicle drives itself all the time. </li> </ul> <h2>Why the slow progress?</h2> It’s estimated the technology to deliver safe autonomous vehicles is about <a href="https://www.theguardian.com/technology/2022/mar/27/how-self-driving-cars-got-stuck-in-the-slow-lane">80% developed</a>. The last 20% is increasingly difficult. It will take a lot more time to perfect. Challenges yet to be resolved involve unusual and rare events that can happen along any street or highway. They include weather, wildlife crossing the road, and highway construction. Another set of problems has emerged since <a href="https://www.forbes.com/sites/simonmainwaring/2022/08/22/cruise-ride-hailing-goes-green-and-driverless/?sh=6a7439376843">Cruise</a> and <a href="https://www.theverge.com/2022/11/19/23467784/waymo-provide-fully-driverless-rides-san-francisco-california">Waymo</a> launched their autonomous ride-hailing services in San Francisco. The US National Highway Traffic and Safety Administration <a href="https://techcrunch.com/2022/12/16/cruises-autonomous-driving-tech-comes-under-scrutiny-from-safety-regulators/">opened an investigation</a> in December 2022, only six months after the <a href="https://www.theguardian.com/technology/2022/jun/03/california-driverless-taxi-cars-san-francisco">services were approved</a>. It cited incidents where these vehicles “may have engaged in inappropriately hard braking or became immobilized”. The San Francisco County Transportation Authority <a href="https://www.nytimes.com/2023/02/01/technology/self-driving-taxi-san-francisco.html" target="_blank" rel="noopener">stated</a>, "[I]n the months since the initial approval of autonomous taxi services in June 2022, Cruise AVs have made unplanned and unexpected stops in travel lanes, where they obstruct traffic and transit service and intrude into active emergency response scenes, including fire suppression scenes, creating additional hazardous conditions." In several cases, Cruise technicians had to be called to move the vehicles. <h2>What’s happening now?</h2> Active autonomous vehicle initiatives can be grouped into two categories: ride-hailing services (Cruise, Waymo and Uber) and sales to the public (Tesla). Cruise is a subsidiary of General Motors founded in 2013. As of September 2022, it operated 100 robotaxis in San Francisco and had plans to increase its fleet to 5,000. Critics said this would increase city traffic. Cruise also began to offer services in Chandler (a Phoenix suburb), Arizona, and Austin, Texas, in December 2022. Waymo, formerly the Google Self-Driving Car Project, was founded in January 2009. The company lost <a href="https://www.theverge.com/2022/11/11/23453262/waymo-av-driverless-taxi-phoenix-california-dmv-progress">US$4.8 billion in 2020 and US$5.2 billion in 2021</a>. Waymo One provides autonomous ride-hailing services in <a href="https://www.theverge.com/2023/2/28/23617278/waymo-self-driving-driverless-crashes-av">Phoenix as well as San Francisco</a>. It plans to expand into <a href="https://www.theverge.com/2022/10/19/23410677/waymo-los-angeles-autonomous-robotaxi-service-launch">Los Angeles</a> this year. Uber was a major force in autonomous vehicle development as part of its business plan was to replace human drivers. However, it ran into problems, including a crash in March 2018 when a self-driving Uber killed a woman walking her bicycle across a street in Tempe, Arizona. In 2020, Arizona Uber sold its AV research division to Aurora Innovation. But in October 2022 Uber got back into autonomous vehicles by <a href="https://www.forbes.com/sites/samabuelsamid/2022/10/06/motional-and-uber-announce-10-year-deal-to-deploy-automated-vehicles-in-multiple-us-markets/?sh=44d83a84273e">signing a deal</a> with Motional, a joint venture between Hyundai and Aptiv. Motional will provide autonomous vehicles for Uber’s ride-hailing and delivery services. Lyft, the second-largest ride-sharing company after Uber, operates in the US and Canada. Like Uber, Lyft had a self-driving unit and in 2016, Lyft co-founder John Zimmer <a href="https://www.vanityfair.com/news/2016/09/lyfts-president-says-car-ownership-will-all-but-end-by-2025">predicted</a> that by 2021 the majority of rides on its network would be in such vehicles (and private car ownership would “all but end” by 2025). It didn’t happen. By 2021, Lyft had also <a href="https://techcrunch.com/2021/04/26/lyft-sells-self-driving-unit-to-toyotas-woven-planet-for-550m/">sold its self-driving vehicle unit</a>, to Toyota. In 2022, Zimmer <a href="https://techcrunch.com/2022/10/20/lyft-co-founder-says-autonomous-vehicles-wont-replace-drivers-for-at-least-a-decade/">said</a> the technology would not replace drivers for at least a decade. However, Lyft did partner with Motional in August 2022 to launch <a href="https://www.prnewswire.com/news-releases/lyft-and-motional-deliver-the-first-rides-in-motionals-new-all-electric-ioniq-5-autonomous-vehicle-301606519.html">robotaxis in Las Vegas</a> and <a href="https://www.reuters.com/business/autos-transportation/lyft-motional-launch-robotaxi-service-los-angeles-2022-11-17/">Los Angeles</a>. Telsa is the <a href="https://www.ev-volumes.com/">world leader in sales</a> of battery electric vehicles. It also purports to sell vehicles with full automation. However, by the end of 2022, no level 3, 4 or 5 vehicles were for sale in the United States. What Telsa offers is a full self-driving system as a US$15,000 option. Buyers acknowledge they are buying a beta version and assume all risks. If the system malfunctions, Telsa does not accept any responsibility. In February 2023, the National Highway Traffic Safety Administration <a href="https://amp.theguardian.com/technology/2023/feb/16/tesla-recall-full-self-driving-cars">found</a>, "[Fully self-driving] beta software that allows a vehicle to exceed speed limits or travel through intersections in an unlawful or unpredictable manner increases the risk of a crash." This led to Tesla <a href="https://www.theguardian.com/technology/2023/feb/16/tesla-recall-full-self-driving-cars">recalling 362,000 vehicles</a> to update the software. Another setback for autonomous vehicle sales to the public was the October 2022 announcement that Ford and VW had decided to <a href="https://techcrunch.com/2022/10/26/ford-vw-backed-argo-ai-is-shutting-down/">stop funding autonomous driving technology company Argo AI</a>, resulting in its closure. Both Ford and VW decided to shift their focus from level 4 automation to levels 2 and 3. <h2>So, what can we expect next?</h2> Autonomous vehicle development will continue, but with less hype. It’s being recognised as more an evolutionary process than a revolutionary one. The increasing cost of capital will also make it harder for autonomous vehicle startups to get development funds. The areas that appear to be making the best progress are autonomous ride-hailing and heavy vehicles. Self-driving car sales to the public are <a href="https://www.drive.com.au/news/level-4-self-driving-technology-mercedes-benz/">further down the track</a>. This article originally appeared on <a href="https://theconversation.com/we-were-told-wed-be-riding-in-self-driving-cars-by-now-what-happened-to-the-promised-revolution-201088" target="_blank" rel="noopener">The Conversation</a>. Images: Getty

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The Long and Winding Road

The truth about ‘illegal’ car snacks revealed

We were told we’d be riding in self-driving cars by now. What happened to the promised revolution?

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Shop

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Newspaper

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Entertainment

Travel

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Keep up to date

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Motorist fined $387 for "handling wallet" while driving

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The Long and Winding Road

The truth about ‘illegal’ car snacks revealed

We were told we’d be riding in self-driving cars by now. What happened to the promised revolution?

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