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Why millions of Aussies are falling behind on superannuation savings

Millions of Aussies are falling behind on their superannuation savings, with nearly one in two Australians on track for a grim retirement. According to research from superannuation and investments company Vanguard, this huge number of Australians have no idea how much they are playing in fees to their super funds, which can greatly impact how much you have in savings when your retirement day comes. “We are coming up against a stubborn statistic in our retirement research again this year — almost one in two Australians still don’t know what they pay in super fees,” Vanguard Investments Australia managing director Daniel Shrimski said. Also adding to the confusion of how much is needed for comfortable gold year is different companies sharing conflicting numbers on what figures to strive for in your superannuation. Superannuation consultancy company Australian Retirement Trust’s latest research shows the average superannuation balance for someone age 35 to 44 is $92,700, however this should be closer to $156,000 to be on track for a “comfortable retirement”. The average worker aged 55 to 64 has $285,900 in super but a 60-year-old needs close to $453,000 in retirement savings, ART said. “In the past 12 months, only one in five of us has checked our super balance,” Australian Retirement Trust executive general manager Anne Fuchs said, adding 70 per cent of Australians feel they don’t have enough money to retire on. “We talk to members all the time who have reached the end of their working life full of regret, wishing they had done something earlier. Australia has a monster problem whereby not enough of us are engaging with our super." “The earlier you start paying attention and understanding how your money is invested ... then you’ll really be able to finish work and put your feet up.” Financial consultancy Link Wealth director and financial adviser Joshua Lee told <a href="https://7news.com.au/news/new-research-shows-aussie-superannuation-savings-falling-short-of-retirement-needs--c-14507773" target="_blank" rel="noopener">7News</a> that one of the most important tips for Australians is to take notice and understand their superannuation payments and what they pay in fees. “Take notice of what your account is doing,” he said. “Look at your statement when it comes in every year so you can understand what fees are being deducted from your account because that will have an impact on how much money you have come retirement.” Image credits: Shutterstock

Retirement Life

Better sleep is a protective factor against dementia

<div class="theconversation-article-body"><a href="https://theconversation.com/profiles/andree-ann-baril-1494268">Andrée-Ann Baril</a>, <a href="https://theconversation.com/institutions/universite-de-montreal-1743">Université de Montréal</a> and <a href="https://theconversation.com/profiles/matthew-pase-1494296">Matthew Pase</a>, <a href="https://theconversation.com/institutions/monash-university-1065">Monash University</a> Dementia is a progressive loss of cognitive abilities, such as memory, that is significant enough to have an impact on a person’s daily activities. It can be caused by a number of different diseases, including <a href="https://alzheimer.ca/en/about-dementia/what-alzheimers-disease">Alzheimer’s</a>, which is the most common form. Dementia is caused by a loss of neurons over a long period of time. Since, by the time symptoms appear, many changes in the brain have already occurred, many scientists are focusing on studying the risk and protective factors for dementia. A risk factor, or conversely, a protective factor, is a condition or behaviour that increases or reduces the risk of developing a disease, but does not guarantee either outcome. Some risk factors for Alzheimer’s disease and dementia, such as age or genetics, are not modifiable, but there are several other factors we can influence, <a href="https://www.thelancet.com/article/S0140-6736(20)30367-6/fulltext">specifically lifestyle habits and their impact on our overall health</a>. These risk factors include depression, lack of physical activity, social isolation, high blood pressure, obesity, diabetes, excessive alcohol consumption and smoking, as well as poor sleep. We have been focusing our research on the question of sleep for over 10 years, particularly in the context of the <a href="https://www.nhlbi.nih.gov/science/framingham-heart-study-fhs">Framingham Heart Study</a>. In this large community-based cohort study, ongoing since the 1940s, the health of surviving participants has been monitored to the present day. As researchers in sleep medicine and epidemiology, we have expertise in researching the role of sleep and sleep disorders in cognitive and psychiatric brain aging. As part of our research, we monitored and analyzed the sleep of people aged 60 and over to see who did — or did not — develop dementia. <h2>Sleep as a risk or protective factor against dementia</h2> Sleep appears to play an essential role in a number of brain functions, such as memory. Good quality sleep <a href="https://jamanetwork.com/journals/jamaneurology/fullarticle/2793873">could therefore play a vital role in preventing dementia</a>. Sleep is important for maintaining <a href="https://www.science.org/doi/10.1126/science.1241224">good connections in the brain</a>. Recently, research has revealed that sleep seems to have a function similar to that of a garbage truck for the brain: <a href="https://doi.org/10.1016/j.mad.2023.111899">deep sleep could be crucial for eliminating metabolic waste from the brain</a>, including clearing certain proteins, such as those known to accumulate in the brains of people with Alzheimer’s disease. However, the links between deep sleep and dementia still have to be clarified. <h2>What is deep sleep?</h2> During a night’s sleep, we go through several <a href="http://ceams-carsm.ca/en/a-propos-du-sommeil/">sleep stages</a> that succeed one another and are repeated. NREM sleep (non-rapid eye movement sleep) is divided into light NREM sleep (NREM1 stage), NREM sleep (NREM2 stage) and deep NREM sleep, also called slow-wave sleep (NREM3 stage). The latter is associated with several restorative functions. Next, REM sleep (rapid eye movement sleep) is the stage generally associated with the most vivid dreams. An adult generally spends around 15 to 20 per cent of each night in deep sleep, if we add up all the periods of NREM3 sleep. Several sleep changes are common in adults, such as going to bed and waking up earlier, sleeping for shorter periods of time and less deeply, and waking up more frequently during the night. <figure class="align-center zoomable"><a href="https://images.theconversation.com/files/579041/original/file-20240229-16-efo9mx.jpg?ixlib=rb-4.1.0&q=45&auto=format&w=1000&fit=clip"><img src="https://images.theconversation.com/files/579041/original/file-20240229-16-efo9mx.jpg?ixlib=rb-4.1.0&q=45&auto=format&w=754&fit=clip" sizes="(min-width: 1466px) 754px, (max-width: 599px) 100vw, (min-width: 600px) 600px, 237px" srcset="https://images.theconversation.com/files/579041/original/file-20240229-16-efo9mx.jpg?ixlib=rb-4.1.0&q=45&auto=format&w=600&h=279&fit=crop&dpr=1 600w, https://images.theconversation.com/files/579041/original/file-20240229-16-efo9mx.jpg?ixlib=rb-4.1.0&q=30&auto=format&w=600&h=279&fit=crop&dpr=2 1200w, https://images.theconversation.com/files/579041/original/file-20240229-16-efo9mx.jpg?ixlib=rb-4.1.0&q=15&auto=format&w=600&h=279&fit=crop&dpr=3 1800w, https://images.theconversation.com/files/579041/original/file-20240229-16-efo9mx.jpg?ixlib=rb-4.1.0&q=45&auto=format&w=754&h=350&fit=crop&dpr=1 754w, https://images.theconversation.com/files/579041/original/file-20240229-16-efo9mx.jpg?ixlib=rb-4.1.0&q=30&auto=format&w=754&h=350&fit=crop&dpr=2 1508w, https://images.theconversation.com/files/579041/original/file-20240229-16-efo9mx.jpg?ixlib=rb-4.1.0&q=15&auto=format&w=754&h=350&fit=crop&dpr=3 2262w" alt="" /></a><figcaption>Sleep stages, and the role of deep sleep for brain health. (Andrée-Ann Baril)</figcaption></figure> <h2>Loss of deep sleep linked to dementia</h2> Participants in the <a href="https://jamanetwork.com/journals/jamaneurology/fullarticle/2810957">Framingham Heart Study</a> were assessed using a sleep recording — known as polysomnography — on two occasions, approximately five years apart, in 1995-1998 and again in 2001-2003. Many people showed a reduction in their deep slow-wave sleep over the years, as is to be expected with aging. Conversely, the amount of deep sleep in some people remained stable or even increased. Our team of researchers from the Framingham Heart Study followed 346 participants aged 60 and over for a further 17 years to observe who developed dementia and who did not. Progressive loss of deep sleep over time was associated with an increased risk of dementia, whatever the cause, and particularly Alzheimer’s type dementia. These results were independent of many other risk factors for dementia. Although our results do not prove that loss of deep sleep causes dementia, they do suggest that it could be a risk factor in the elderly. Other aspects of sleep may also be important, such as its duration and quality. <h2>Strategies to improve deep sleep</h2> Knowing the impact of a lack of deep sleep on cognitive health, what strategies can be used to improve it? First and foremost, if you’re experiencing sleep problems, it’s worth talking to your doctor. Many sleep disorders are underdiagnosed and treatable, particularly through behavioural (i.e. non-medicinal) approaches. Adopting good sleep habits can help, such as going to bed and getting up at consistent times or avoiding bright or blue light in bed, like that of screens. You can also avoid caffeine, limit your alcohol intake, maintain a healthy weight, be physically active during the day, and sleep in a comfortable, dark and quiet environment. The role of deep sleep in preventing dementia remains to be explored and studied. Encouraging sleep with good lifestyle habits could have the potential to help us age in a healthier way.<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/222854/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/andree-ann-baril-1494268">Andrée-Ann Baril</a>, Professeure-chercheure adjointe au Département de médecine, <a href="https://theconversation.com/institutions/universite-de-montreal-1743">Université de Montréal</a> and <a href="https://theconversation.com/profiles/matthew-pase-1494296">Matthew Pase</a>, Associate Professor of Neurology and Epidemiology, <a href="https://theconversation.com/institutions/monash-university-1065">Monash 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/better-sleep-is-a-protective-factor-against-dementia-222854">original article</a>. </div>

Mind

Stay or go? Most older Australians want to retire where they are, but renters don’t always get a choice

<a href="https://theconversation.com/profiles/christopher-phelps-378137">Christopher Phelps</a>, <a href="https://theconversation.com/institutions/curtin-university-873">Curtin University</a>; <a href="https://theconversation.com/profiles/rachel-ong-viforj-113482">Rachel Ong ViforJ</a>, <a href="https://theconversation.com/institutions/curtin-university-873">Curtin University</a>, and <a href="https://theconversation.com/profiles/william-clark-1488932">William Clark</a>, <a href="https://theconversation.com/institutions/university-of-california-los-angeles-1301">University of California, Los Angeles</a> As Australia’s population gets older, more people are confronted with a choice: retire where they are or seek new horizons elsewhere. Choosing to grow old in your existing home or neighbourhood is known as “ageing in place”. It enables older people to stay connected to their community and maintain familiarity with their surroundings. For many, the decision to “age in place” will be tied to their connection to the family home. But for many, secure and affordable housing is increasingly <a href="https://theconversation.com/ageing-in-a-housing-crisis-growing-numbers-of-older-australians-are-facing-a-bleak-future-209237">beyond reach</a>. This choice may then be impeded by a lack of suitable accommodation in their current or desired neighbourhoods. Our recently published <a href="https://doi.org/10.1177/01640275231209683">study</a> asks what motivates older homeowners and renters to age in place or relocate, and what factors disrupt these preferences. It suggests older renters are often not given a fair choice. <h2>Most older Australians want to age in place</h2> Having the option to age in place enables older people to retain autonomy over their lifestyles and identity, promoting emotional wellbeing. Using 20 years of data from the government-funded Household, Income and Labour Dynamics in Australia (HILDA) survey, we tracked the preferences of Australians aged 55 and over. Encouragingly, most older Australians are already where they want to be. Two-thirds (67%) of respondents strongly preferred to stay in their current neighbourhood, and an additional one-fifth (19%) had a moderate preference to stay. Only 6% showed a moderate or strong desire to leave. Ageing in place is then the natural choice for a vast majority of older Australians. <iframe id="s3LTM" class="tc-infographic-datawrapper" style="border: none;" src="https://datawrapper.dwcdn.net/s3LTM/1/" width="100%" height="400px" frameborder="0"></iframe> Our study highlights several motivations for people to stay put as they retire. For homeowners, family ties matter. Owners with children residing nearby were around one and a half times more likely to have a higher preference to stay. Older owners might then have a reason to call on their substantial <a href="https://theconversation.com/the-housing-wealth-gap-between-older-and-younger-australians-has-widened-alarmingly-in-the-past-30-years-heres-why-197027">housing wealth</a> and keep their children nearby via the <a href="https://360info.org/how-to-help-the-young-buy-a-home/">“bank of mum and dad”</a>. For renters, how long they stay is important. Those renting their home for 10 years or more were 1.7 times more likely to have a higher preference to stay than short-term renters. <h2>Renters face the most disruption</h2> The survey enabled us to follow where older people lived a year after they provided their preferences. This helped us gauge how often they turned their desires into reality. The chart below indicates that private renters face greater obstacles to ageing in place. Around one in 10 private renters that desired to age in place were disrupted – they wanted to stay in their neighbourhood but didn’t. This suggests they moved out of their neighbourhood involuntarily. Only 2% of homeowners and social renters experienced the same disruption. However, for those in these tenures that did not desire to age in place, involuntary immobility was a greater concern. Only 15% of those that wanted to leave succeeded, leaving the vast majority “stuck in place”. <iframe id="IlliV" class="tc-infographic-datawrapper" style="border: none;" src="https://datawrapper.dwcdn.net/IlliV/1/" width="100%" height="400px" frameborder="0"></iframe> The private rental market is the least secure of tenures, and so private tenants are often exposed to involuntary moves. Australia’s private rental system is lightly regulated compared to many other countries, creating tenure insecurity concerns. On the other hand, social renters were particularly susceptible to involuntary immobility. Social housing is scarce in Australia and subject to <a href="https://theconversation.com/its-soul-destroying-how-people-on-a-housing-wait-list-of-175-000-describe-their-years-of-waiting-210705">lengthy waiting lists</a>. A neighbourhood move often requires transferring to the less affordable and less secure private rental housing. Even after considering financial status, social renters were four times as likely to be stuck as compared to private renters. Social tenants are strongly deterred from moving in the current system. <h2>How can we support older Australians’ preferences?</h2> Our study exposes some barriers in the housing system that hinder people from being able to age in place, or move when they want to. Clearly, older renters enjoy fewer protections against disruptions to their preferences to age in place than older owners. For private renters, tenure insecurity in the <a href="https://theconversation.com/insecure-renting-ages-you-faster-than-owning-a-home-unemployment-or-obesity-better-housing-policy-can-change-this-216364">private rental sector</a> is a key reform priority. This can be achieved through stronger regulation that improves tenants’ rights. For example, more states could adopt <a href="https://theconversation.com/how-5-key-tenancy-reforms-are-affecting-renters-and-landlords-around-australia-187779?utm_source=twitter&utm_medium=bylinetwitterbutton">recent regulatory rental reforms</a> that support the rights of pet owners and protect against no-grounds evictions. Large numbers of older private renters also face severe <a href="https://www.oldertenants.org.au/publications/ageing-in-a-housing-crisis-older-peoples-housing-insecurity-homelessness-in-australia">rental stress</a>, which may force them to move from their preferred neighbourhood. <a href="https://theconversation.com/1-billion-per-year-or-less-could-halve-rental-housing-stress-146397">Commonwealth rent assistance reform</a> would alleviate some of this stress through an increase in rates and better targeting. An increase in the supply of social housing would play an important role in improving both tenure security and housing affordability. Older social renters enjoy fewer obstacles to ageing in place than older private renters. However, if social renters want to move into the private rental market to relocate, they face difficulty securing accommodation. This will likely discourage moves as it would require sacrificing the tenure security offered by social housing. However, policy initiatives that improve the <a href="https://www.ahuri.edu.au/sites/default/files/migration/documents/PES-358-Lessons-from-public-housing-urban-renewal-evaluation.pdf">quality of the public housing stock</a> can reduce feelings of being stuck. As <a href="https://www.aihw.gov.au/reports/australias-welfare/home-ownership-and-housing-tenure">homeownership rates decline</a> both among young people and those nearing retirement, we can expect the population of older renters to grow. Overall, our findings support a strong case for policy reform in the rental sectors to address the needs and preferences of older renters.<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/218024/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/christopher-phelps-378137">Christopher Phelps</a>, Research Fellow, School of Accounting, Economics and Finance, <a href="https://theconversation.com/institutions/curtin-university-873">Curtin University</a>; <a href="https://theconversation.com/profiles/rachel-ong-viforj-113482">Rachel Ong ViforJ</a>, ARC Future Fellow & Professor of Economics, <a href="https://theconversation.com/institutions/curtin-university-873">Curtin University</a>, and <a href="https://theconversation.com/profiles/william-clark-1488932">William Clark</a>, Research Professor of Geography, <a href="https://theconversation.com/institutions/university-of-california-los-angeles-1301">University of California, Los Angeles</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/stay-or-go-most-older-australians-want-to-retire-where-they-are-but-renters-dont-always-get-a-choice-218024">original article</a>.

Retirement Income

Whooping cough is surging in Australia. Why, and how can we protect ourselves?

<a href="https://theconversation.com/profiles/laurence-don-wai-luu-1415508">Laurence Don Wai Luu</a>, <a href="https://theconversation.com/institutions/university-of-technology-sydney-936">University of Technology Sydney</a> Australia is facing a whooping cough outbreak. Some <a href="https://nindss.health.gov.au/pbi-dashboard/">2,799 cases</a> were recorded in the first three months of 2024. Cases are highest in Queensland and New South Wales, with more than 1,000 recorded in each state. The last time Queensland recorded more than 1,000 cases in three months was <a href="https://nindss.health.gov.au/pbi-dashboard/">the first quarter of 2013</a>. This was at the tail end of a significant outbreak that spanned 2008 until 2012 – Australia’s largest reported outbreak since the <a href="https://www1.health.gov.au/internet/main/publishing.nsf/Content/cda-cdi2205-pdf-cnt.htm/$FILE/cdi2205c.pdf">widespread introduction</a> of whooping cough vaccines <a href="https://www1.health.gov.au/internet/main/publishing.nsf/Content/cda-pubs-annlrpt-oz_dis19_91.htm/$FILE/ozdis1917_91.pdf">in the 1950s</a>. More than 140,000 cases were recorded during this period, with the number peaking at 38,748 in 2011. There was a smaller outbreak between <a href="https://nindss.health.gov.au/pbi-dashboard/">2014 and 2017</a>, with more than 60,000 cases in these years. So what is whooping cough, why are cases rising now, and how can you protect yourself? <h2>It’s most dangerous for babies</h2> Whooping cough is a serious and <a href="https://www.healthdirect.gov.au/whooping-cough">highly contagious</a> respiratory disease. Also called pertussis, it’s caused by the bacteria Bordetella pertussis. The initial symptoms of whooping cough resemble other cold and flu-like symptoms. These include runny nose, sneezing, mild cough and fever. However, as the disease progresses into the second week, the coughing fits become worse and more frequent. After or between bouts of coughing, patients may gasp for air and produce the characteristic “whoop” noise. The disease is also sometimes called the “100-day cough” as it can last for <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC7150027/">6–12 weeks</a>. It’s especially serious and can be life-threatening in newborns who are yet to receive their vaccinations. In older children who are fully vaccinated, as well as adolescents and adults, the disease is normally less severe. However, even in adults, the coughing can lead to <a href="https://www.nejm.org/doi/full/10.1056/NEJMicm1701940">fractured ribs</a>. Antibiotics are used to <a href="https://onlinelibrary.wiley.com/doi/abs/10.1002/ebch.1845">treat whooping cough</a> but are most effective when given during the initial stages of the illness. The best protection in the first instance is <a href="https://www.healthdirect.gov.au/whooping-cough">vaccination</a>, which prevents most cases of serious illness, and reduces the spread of whooping cough in the community. It’s recommended children are given six doses of a whooping cough vaccine (which is combined with vaccines for other diseases) between the ages of roughly two months and 13 years. Vaccination is free under the <a href="https://www.health.gov.au/topics/immunisation/vaccines/whooping-cough-pertussis-immunisation-service">National Immunisation Program</a> for children and pregnant women. Vaccinating women against whooping cough during pregnancy protects newborns in their first months of life. Immunity from these vaccines wanes over time, so it’s also recommended adults receive a booster, particularly those who may come into frequent contact with babies. <h2>Why are cases rising now?</h2> Whooping cough outbreaks generally occur <a href="https://www.healthdirect.gov.au/whooping-cough">every 3–4 years</a>. Due to COVID measures such as border closures, social isolation and masks, the number of cases declined dramatically during 2020–23. If trends had followed the usual outbreak cycle, this might have been around the time we’d have seen another outbreak. Missed <a href="https://ncirs.org.au/ncirs-study-confirms-decline-childhood-vaccination-coverage-throughout-covid-19-pandemic">routine whooping cough vaccinations</a> at the height of the pandemic may mean Australia is more vulnerable now. Reduced immunity in the population could be one of the reasons we’re seeing a rise in whooping cough cases in Australia and other countries including the <a href="https://www.gov.uk/government/publications/pertussis-epidemiology-in-england-2024/confirmed-cases-of-pertussis-in-england-by-month">United Kingdom</a> and the <a href="https://www.nyc.gov/assets/doh/downloads/pdf/han/advisory/2024/han-advisory-5.pdf">United States</a>. In Australia, cases have been particularly high during this outbreak in children aged 10–14. <h2>A potential superbug</h2> Over the past two decades, whooping cough has been getting better at evading vaccines and antibiotics. Most vaccines used in Australia and other developed countries stimulate your immune system to recognise and target <a href="https://immunisationhandbook.health.gov.au/contents/vaccine-preventable-diseases/pertussis-whooping-cough">three to five components</a> of the bacteria. Over time, the bacteria that causes whooping cough has been slowly acquiring mutations in these genes. These mutations make the bacteria look slightly different to the one used in the vaccine, helping it better hide from the immune system. Most of these changes were small. But in 2008, a new strain appeared in Australia that no longer produced <a href="https://wwwnc.cdc.gov/eid/article/20/4/13-1478_article">pertactin</a>, one of the components targeted by the vaccine. This means your immune system, like a detective, has one less clue to recognise the bacteria. This new strain rapidly increased from <a href="https://wwwnc.cdc.gov/eid/article/25/6/18-0240_article">5% of strains found in 2008</a>, to become the dominant strain in less than ten years, making up <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC6537726/">90% of strains</a> by 2017. This pertactin-negative strain was shown to survive better in <a href="https://pubmed.ncbi.nlm.nih.gov/26432908/">vaccinated mice</a> and may have contributed to the high number of cases in the 2008–12 outbreak. Worryingly, since 2013, <a href="https://www.cdc.gov/drugresistance/biggest-threats.html">antibiotic-resistant strains</a> of whooping cough have become <a href="https://www.tandfonline.com/doi/full/10.1080/22221751.2019.1587315">widespread in China</a>. While there are other antibiotics available, these are not recommended for infants <a href="https://www.health.nsw.gov.au/Infectious/whoopingcough/Pages/workers-managing-cases.aspx">younger than two months</a> (the age group at most risk of serious disease). These resistant strains are increasingly <a href="https://wwwnc.cdc.gov/eid/article/26/10/20-1035_article">spreading through Asia</a> but are not yet in Australia. <h2>What next?</h2> It’s too early to know how big this outbreak will be or what strains are responsible for it. Greater tracking of whooping cough strains, like we do with COVID, is needed to inform future vaccine design and treatments. Importantly, although the bacteria is evolving, current vaccines are still very effective at preventing serious disease and reducing transmission. They remain our best tool to limit this outbreak. To protect oneself, vulnerable newborns, and the wider community, everyone should ensure they are up-to-date with their <a href="https://immunisationhandbook.health.gov.au/contents/vaccine-preventable-diseases/pertussis-whooping-cough">whooping cough vaccinations</a>. You can check this with your GP if you’re not sure. And anyone with cold or flu-like symptoms should <a href="https://ncirs.org.au/ncirs-fact-sheets-faqs/pertussis">stay away</a> from infants.<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/226918/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/laurence-don-wai-luu-1415508">Laurence Don Wai Luu</a>, Lecturer and Chancellor's Research Fellow, School of Life Sciences, <a href="https://theconversation.com/institutions/university-of-technology-sydney-936">University of Technology Sydney</a> Image credits: Getty Images This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/whooping-cough-is-surging-in-australia-why-and-how-can-we-protect-ourselves-226918">original article</a>.

Body

Accused mushroom killer moved to protected unit over safety fears

Erin Patterson, accused of poisoning three elderly individuals and attempting to murder several others, finds herself secluded within the confines of a protected unit in a Victorian prison. The move, reportedly necessitated by safety concerns, places Patterson away from the general prison population, reflecting the gravity of the allegations against her. According to sources cited by <a href="https://www.heraldsun.com.au/truecrimeaustralia/the-mushroom-ccok/accused-mushroom-murderer-in-jail-unit-with-pedophile-rapist/news-story/824c4f35c9d9b8f7553af2704836ea82" target="_blank" rel="noopener">the Herald Sun</a>, Patterson now resides in the protected wing of the Dame Phyllis Frost Centre, a correctional facility in Victoria. The decision to relocate her stems from fears that she may face harm from fellow inmates due to the nature of her alleged crimes. The Herald's insider disclosed, "If Erin got out of protection, the girls would hurt her." Allegations of her involvement in the deaths of three elderly individuals have evidently rendered her a target among fellow inmates, necessitating stringent security measures. “She allegedly killed three elderly people," the source continued. “There’s a rule, you don’t touch the elderly and you don’t touch babies so because of that, you go into protection." Patterson stands accused of several crimes, including the murder of her former in-laws, Don and Gail Patterson, alongside Gail's sister Heather Wilkinson. Their deaths, following the consumption of a meal containing deadly mushrooms at Patterson's residence in Leongatha, shook the community. Furthermore, Patterson faces charges of attempted murder, notably targeting her ex-husband Simon and Heather Wilkinson's husband Ian, with the alleged attempts spanning over various dates. As Patterson awaits her court appearance scheduled for May, the case continues to captivate public attention. In the coming months, the court will delve deeper into the intricacies of the case, striving to uncover the truth behind the allegations. Image: News.com.au

Legal

What ‘psychological warfare’ tactics do scammers use, and how can you protect yourself?

<a href="https://theconversation.com/profiles/mike-johnstone-106590">Mike Johnstone</a>, <a href="https://theconversation.com/institutions/edith-cowan-university-720">Edith Cowan University</a> and <a href="https://theconversation.com/profiles/georgia-psaroulis-1513050">Georgia Psaroulis</a>, <a href="https://theconversation.com/institutions/edith-cowan-university-720">Edith Cowan University</a> Not a day goes by without a headline <a href="https://www.vice.com/en/article/qjvaym/people-share-worst-scam-stories">about a victim being scammed</a> and losing money. We are constantly warned about new scams and staying safe from cybercriminals. Scamwatch has <a href="https://www.scamwatch.gov.au/research-and-resources/tools-resources/online-resources/spot-the-scam-signs">no shortage of resources</a>, too. So why are people still getting scammed, and sometimes spectacularly so? Scammers use sophisticated psychological techniques. They exploit our deepest human vulnerabilities and bypass rational thought to tap into our emotional responses. This “<a href="https://www.thecut.com/article/amazon-scam-call-ftc-arrest-warrants.html">psychological warfare</a>” coerces victims into making impulsive decisions. Sometimes scammers spread their methods around many potential victims to see who is vulnerable. Other times, criminals focus on a specific person. Let’s unpack some of these psychological techniques, and how you can defend against them. <h2>1. Random phone calls</h2> Scammers start with small requests to establish a sense of commitment. After agreeing to these minor requests, we are more likely to comply with larger demands, driven by a desire to act consistently. The call won’t come from a number in your contacts or one you recognise, but the scammer may pretend to be someone you’ve engaged to work on your house, or perhaps one of your children using a friend’s phone to call you. If it is a scammer, maybe keeping you on the phone for a long time gives them an opportunity to find out things about you or people you know. They can use this info either immediately or at a later date. <h2>2. Creating a sense of urgency</h2> Scammers fabricate scenarios that require immediate action, like claiming a bank account is at risk of closure or an offer is about to expire. This tactic aims to prevent victims from assessing the situation logically or seeking advice, pressuring them into rushed decisions. The scammer creates an artificial situation in which you are frightened into doing something you wouldn’t ordinarily do. Scam calls <a href="https://theconversation.com/we-have-filed-a-case-under-your-name-beware-of-tax-scams-theyll-be-everywhere-this-eofy-162171">alleging to be from the Australian Tax Office</a> (ATO) are a great example. You have a debt to pay (apparently) and things will go badly if you don’t pay right now. Scammers play on your emotions to provoke reactions that cloud judgement. They may threaten legal trouble to instil fear, promise high investment returns to exploit greed, or share fabricated distressing stories to elicit sympathy and financial assistance. <h2>3. Building rapport with casual talk</h2> Through extended conversation, scammers build a psychological commitment to their scheme. No one gets very far by just demanding your password, but it’s natural to be friendly with people who are friendly towards us. After staying on the line for long periods of time, the victim also becomes cognitively fatigued. This not only makes the victim more open to suggestions, but also isolates them from friends or family who might recognise and counteract the scam. <h2>4. Help me to help you</h2> In this case, the scammer creates a situation where they help you to solve a real or imaginary problem (that they actually created). They work their “IT magic” and the problem goes away. Later, they ask you for something you wouldn’t normally do, and you do it because of the “social debt”: they helped you first. For example, a hacker might attack a corporate network, causing it to slow down. Then they call you, pretending to be from your organisation, perhaps as a recent hire not yet on the company’s contact list. They “help” you by turning off the attack, leaving you suitably grateful. Perhaps a week later, they call again and ask for sensitive information, such as the CEO’s password. You know company policy is to not divulge it, but the scammer will ask if you remember them (of course you do) and come up with an excuse for why they really need this password. The balance of the social debt says you will help them. <h2>5. Appealing to authority</h2> By posing as line managers, officials from government agencies, banks, or other authoritative bodies, scammers exploit our natural tendency to obey authority. Such scams operate at varying levels of sophistication. The simple version: your manager messages you with an urgent request to purchase some gift cards and send through their numbers. The complex version: your manager calls and asks to urgently transfer a large sum of money to an account you don’t recognise. You do this because <a href="https://www.wsj.com/articles/fraudsters-use-ai-to-mimic-ceos-voice-in-unusual-cybercrime-case-11567157402">it sounds exactly</a> like your manager on the phone – but the scammer <a href="https://www.forbes.com/sites/thomasbrewster/2021/10/14/huge-bank-fraud-uses-deep-fake-voice-tech-to-steal-millions/?sh=1329b80e7559">is using a voice deepfake</a>. In a recent major case in Hong Kong, such a scam even involved a <a href="https://edition.cnn.com/2024/02/04/asia/deepfake-cfo-scam-hong-kong-intl-hnk/index.html">deepfake video call</a>. This is deeply challenging because artificial intelligence tools, such as Microsoft’s VALL-E, can create <a href="https://arstechnica.com/information-technology/2023/01/microsofts-new-ai-can-simulate-anyones-voice-with-3-seconds-of-audio/">a voice deepfake</a> using just three seconds of sampled audio from a real person. <h2>How can you defend against a scam?</h2> First and foremost, verify identity. Find another way to contact the person to verify who they are. For example, you can call a generic number for the business and ask to be connected. In the face of rampant voice deepfakes, it can be helpful to agree on a “safe word” with your family members. If they call from an unrecognised number and you don’t hear the safe word just hang up. Watch out for pressure tactics. If the conversation is moving too fast, remember that someone else’s problem is not yours to solve. Stop and run the problem past a colleague or family member for a sanity check. A legitimate business will have no problem with you doing this. Lastly, if you are not sure about even the slightest detail, the simplest thing is to hang up or not respond. If you really owe a tax debt, the ATO will write to you.<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/223959/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/mike-johnstone-106590">Mike Johnstone</a>, Security Researcher, Associate Professor in Resilient Systems, <a href="https://theconversation.com/institutions/edith-cowan-university-720">Edith Cowan University</a> and <a href="https://theconversation.com/profiles/georgia-psaroulis-1513050">Georgia Psaroulis</a>, Postdoctoral research fellow, <a href="https://theconversation.com/institutions/edith-cowan-university-720">Edith Cowan University</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/what-psychological-warfare-tactics-do-scammers-use-and-how-can-you-protect-yourself-223959">original article</a>.

Money & Banking

What is doxing, and how can you protect yourself?

<a href="https://theconversation.com/profiles/rob-cover-13135">Rob Cover</a>, <a href="https://theconversation.com/institutions/rmit-university-1063">RMIT University</a> The Australian government has brought forward <a href="https://www.theguardian.com/australia-news/2024/feb/12/albanese-government-to-propose-legislation-to-crack-down-on-doxing">plans to criminalise doxing</a>, bringing nationwide attention to the harms of releasing people’s private information to the wider public. The government response comes after the <a href="https://www.smh.com.au/national/hundreds-of-jewish-creatives-have-names-details-taken-in-leak-published-online-20240208-p5f3if.html">public release of almost 600 names</a> and private chat logs of a WhatsApp group of Australian Jewish creative artists discussing the Israel-Hamas war. As a result, some of the people whose details were leaked claim they were harassed, <a href="https://www.theguardian.com/australia-news/2024/feb/09/josh-burns-jewish-whatsapp-group-channel-publication-israel-palestine-clementine-ford">received death threats</a> and even had to go into hiding. While we wait for <a href="https://www.smh.com.au/national/australia-news-live-federal-laws-on-doxxing-to-be-brought-forward-anniversary-of-stolen-generations-apology-20240213-p5f4eh.html?post=p55nen#p55nen">new penalties</a> for doxers under the federal Privacy Act review, understanding doxing and its harms can help. And there are also steps we can all take to minimise the risk. <h2>What is doxing?</h2> <a href="https://www.kaspersky.com/resource-center/definitions/what-is-doxing">Doxing</a> (or doxxing) is releasing private information — or “docs”, short for documents — online to the wider public without the user’s consent. This includes information that may put users at risk of harm, especially names, addresses, employment details, medical or financial records, and names of family members. The Australian government <a href="https://ministers.ag.gov.au/media-centre/transcripts/media-conference-parliament-house-13-02-2024">currently defines doxing</a> as the “malicious release” of people’s private information without their consent. Doxing began as a form of unmasking anonymous users, trolls and those using hate speech while <a href="https://www.theatlantic.com/technology/archive/2022/04/doxxing-meaning-libs-of-tiktok/629643/">hiding behind a pseudonym</a>. Recently, it has become a weapon for online abuse, harassment, hate speech and adversarial politics. It is often the outcome of online arguments or polarised public views. It is also becoming more common. Although there is no data for Australia yet, according to media company <a href="https://www.safehome.org/family-safety/doxxing-online-harassment-research/">SafeHome.org</a>, about 4% of Americans report having been doxed, with about half saying their private emails or home addresses have been made public. Doxing is a crime in some countries such as the Netherlands and South Korea. In other places, including Australia, privacy laws haven’t yet caught up. <h2>Why is doxing harmful?</h2> In the context of the <a href="https://theconversation.com/au/topics/israel-hamas-war-146714">Israel-Hamas war</a>, doxing has affected <a href="https://www.haaretz.com/world-news/asia-and-australia/2024-02-06/ty-article/death-threats-boycotts-target-jewish-creatives-in-australia/0000018d-7e43-d636-adef-7eefae580000">both Jewish</a> and <a href="https://edition.cnn.com/2023/10/15/business/palestinian-americans-activists-doxxing/index.html">pro-Palestinian communities and activists</a> in Australia and abroad. Doxing is harmful because it treats a user as an object and takes away their agency to decide what, and how much, personal information they want shared with the wider public. This puts people at very real risk of physical threats and violence, particularly when public disagreement becomes heated. From a broader perspective, doxing also damages the digital ecology, reducing people’s ability to freely participate in public or even private debate through social media. Although doxing is sometimes just inconvenient, it is often used to publicly shame or humiliate someone for their private views. This can take a toll on a person’s mental health and wellbeing. It can also affect a person’s employment, especially for people whose employers require them to keep their attitudes, politics, affiliations and views to themselves. Studies have shown doxing particularly impacts <a href="https://journals.sagepub.com/doi/full/10.1177/0306422015605714">women</a>, including those using dating apps or experiencing family violence. In some cases, children and family members have been threatened because a high-profile relative has been doxed. Doxing is also harmful because it oversimplifies a person’s affiliations or attitudes. For example, releasing the names of people who have joined a private online community to navigate complex views can represent them as only like-minded stereotypes or as participants in a group conspiracy. <h2>What can you do to protect yourself from doxing?</h2> Stronger laws and better platform intervention are necessary to reduce doxing. Some experts believe that the fear of <a href="https://dl.acm.org/doi/abs/10.1145/3476075">punishment</a> can help shape better online behaviours. These punishments may include criminal <a href="https://www.esafety.gov.au/report/what-you-can-report-to-esafety">penalties</a> for perpetrators and <a href="https://www.theaustralian.com.au/breaking-news/doxxing-attack-on-jewish-australians-prompts-call-for-legislative-change/news-story/9a2f3615dbf5594fb521a8959739e1f8#:%7E:text=Alongside%20legislative%20reform%2C%20the%20ECAJ,information%2C%E2%80%9D%20Mr%20Aghion%20said.">deactivating social media accounts</a> for repeat offenders. But better education about the risks and harms is often the best treatment. And you can also protect yourself without needing to entirely withdraw from social media: <ol> <li> never share a home or workplace address, phone number or location, including among a private online group or forum with trusted people </li> <li> restrict your geo-location settings </li> <li> avoid giving details of workplaces, roles or employment on public sites not related to your work </li> <li> avoid adding friends or connections on social media services of people you do not know </li> <li> if you suspect you risk being doxed due to a heated online argument, temporarily shut down or lock any public profiles </li> <li> avoid becoming a target by pursuing haters when it reaches a certain point. Professional and courteous engagement can help avoid the anger of those who might disagree and try to harm you. </li> </ol> Additionally, hosts of private online groups must be very vigilant about who joins a group. They should avoid the trap of accepting members just to increase the group’s size, and appropriately check new members (for example, with a short survey or key questions that keep out people who may be there to gather information for malicious purposes). Employers who require their staff to have online profiles or engage with the public should provide information and strategies for doing so safely. They should also provide immediate support for staff who have been doxed.<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/223428/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/rob-cover-13135">Rob Cover</a>, Professor of Digital Communication and Co-Director of the RMIT Digital Ethnography Research Centre, <a href="https://theconversation.com/institutions/rmit-university-1063">RMIT 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/what-is-doxing-and-how-can-you-protect-yourself-223428">original article</a>.

Legal

Monty Python star's candid financial admission

Monty Python star Eric Idle has made a candid admission about the state of his finances, revealing why he still has to work at the age of 80. The comic legend admitted he receives only a fraction of the millions the Python team have made in the past because the finances are a “disaster”. In messages on X, formerly Twitter, Idle wrote: “I don’t know why people always assume we’re loaded”. “I have to work for my living. I never dreamed that at this age the income streams would tail off so disastrously." “I have been working and earning for Pythons since 1995. And now no more.” Idle also took aim at TV lawyer Holly Gilliam, the daughter of fellow Python member Terry Gilliam, who took over the Python brand in 2013 as part of HDG Projects Ltd. He said, “I guess if you put a Gilliam child in as your manager you should not be so surprised”. “One Gilliam is bad enough. Two can take out any company.” Daughter Lily Idle backed him, writing online, “I’m so proud of my dad for finally finally finally starting to share the truth.” The Pythons, who also included John Cleese, 84, Michael Palin, 80, and the late Terry Jones — made a fortune thanks to their iconic cult films, including Life of Brian, hit stage show Spamalot, which Idle co-wrote, and the original Flying Circus BBC TV series. They were back in the limelight in 2014 with Monty Python Live (Mostly) — One Down, Five to Go: a reference to former member Graham Chapman who died in 1989 aged just 48. It featured interpretations of some of their famous sketches, and reportedly earned the surviving members at least £2 million ($3.87m AUD) each. Image credits: Getty Images

Retirement Income

After a lifetime studying superannuation, here are 5 things I wish I knew earlier

<a href="https://theconversation.com/profiles/susan-thorp-214">Susan Thorp</a>, <a href="https://theconversation.com/institutions/university-of-sydney-841">University of Sydney</a> Amassing the wealth needed to support retirement by regular saving is a monumental test of personal planning and discipline. Fortunately for most Australian workers, the superannuation system can help. Superannuation uses the carrot of tax incentives, and the sticks of compulsion and limited access, to make us save for retirement. There are benefits to paying timely attention to your super early in your working life to get the most from this publicly mandated form of financial self-discipline. I’ve been researching and thinking about superannuation for most of my career. Here’s what I wish I knew at the beginning of my working life. <h2>1. Check you’re actually getting paid super</h2> First, make sure you are getting your dues. If you are working, your employer must contribute <a href="https://www.ato.gov.au/businesses-and-organisations/super-for-employers/paying-super-contributions/how-much-super-to-pay">11% of your earnings</a> into your superannuation account. By July 2025 the rate will increase to 12%. This mandatory payment (the “<a href="https://www.ato.gov.au/tax-rates-and-codes/key-superannuation-rates-and-thresholds/super-guarantee">superannuation guarantee</a>”) may look like yet another tax but it is an important part of your earnings (would you take an 11% pay cut?). It is worth checking on, and worth <a href="https://www.ato.gov.au/calculators-and-tools/super-report-unpaid-super-contributions-from-my-employer">reporting</a> if it is not being paid. The Australian Tax Office <a href="https://oia.pmc.gov.au/sites/default/files/posts/2023/05/Impact%20Analysis%20-%20Unpaid%20Superannuation%20Guarantee%20package.pdf">estimates</a> there is a gap between the superannuation employers should pay and what they do pay of around 5% (or $A3.3 billion) every year. Failing to pay is <a href="https://oia.pmc.gov.au/sites/default/files/posts/2023/05/Impact%20Analysis%20-%20Unpaid%20Superannuation%20Guarantee%20package.pdf">more common</a> among the accommodation, food service and construction industries, as well as small businesses. Don’t take your payslip at face value; cross-check your super account balance and the annual statement from your fund. <h2>2. Have just one super account</h2> Don’t make personal donations to the finance sector by having more than one superannuation account. Two super accounts mean you are donating unnecessary administration fees, possibly redundant insurance premiums and suffering two times the confusion to manage your accounts. The superannuation sector does not need your charity. If you have more than one super account, please consolidate them into just one today. You can do that <a href="https://moneysmart.gov.au/how-super-works/consolidating-super-funds">relatively easily</a>. <h2>3. Be patient, and appreciate the power of compound interest</h2> If you’re young now, retirement may feel a very distant problem not worth worrying about until later. But in a few decades you’re probably going to appreciate the way superannuation works. As a person closing in on retirement, I admit I had no idea in my 20s how much my future, and the futures of those close to me, would depend on my superannuation savings. Now I get it! <a href="https://www.nber.org/papers/w27459">Research</a> <a href="https://economics.mit.edu/sites/default/files/publications/pandp.20221022.pdf">shows</a> the strict rules preventing us from withdrawing superannuation earlier are definitely costly to some people in preventing them from spending on things they really need. For many, however, it stops them spending on things that, in retrospect, they would rate as less important. But each dollar we contribute in our 30s is worth around three times the dollars we contribute in our 50s. This is because of the advantages of time and <a href="https://moneysmart.gov.au/saving/compound-interest">compound interest</a> (which is where you earn interest not just on the money initially invested, but on the interest as well; it’s where you earn “interest on your interest”). For some, adding extra “voluntary” savings can build up retirement savings as a buffer against the periods of unemployment, disability or carer’s leave that most of us experience at some stage. <h2>4. Count your blessings</h2> If you are building superannuation savings, try to remember you’re among the lucky ones. The benefits of super aren’t available to those who can’t work much (or at all). They face a more precarious reliance on public safety nets, like the Age Pension. So aim to maintain your earning capacity, and pay particular attention to staying employable if you take breaks from work. What’s more, superannuation savings are invested by (usually) skilled professionals at rates of return hard for individual investors to achieve outside the system. Many larger superannuation funds offer members types of investments – such as infrastructure projects and commodities – that retail investors can’t access. The Australian Prudential Regulation Authority (APRA) also <a href="https://www.apra.gov.au/industries/superannuation">checks</a> on large funds’ investment strategies and performance. <h2>5. Tough decisions lie ahead</h2> The really hard work is ahead of you. The saving or “accumulation” phase of superannuation is mainly automatic for most workers. Even a series of non-decisions (defaults) will usually achieve a satisfactory outcome. A little intelligent activity will do even better. However, at retirement we face the challenge of making that accumulated wealth cover our needs and wants over an uncertain number of remaining years. We also face variable returns on investments, a likely need for aged care and, in many cases, declining cognitive capacity. It’s helpful to frame your early thinking about superannuation as a means to support these critical decades of consumption in later life. At any age, when we review our financial management and think about what we wish we had known in the past, we should be realistic. Careful and conscientious people still make mistakes, procrastinate and suffer from bad luck. So if your super isn’t where you had hoped it would be by now, don’t beat yourself up about it. <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/217922/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/susan-thorp-214">Susan Thorp</a>, Professor of Finance, <a href="https://theconversation.com/institutions/university-of-sydney-841">University of Sydney</a> Image credits: Getty Images This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/after-a-lifetime-studying-superannuation-here-are-5-things-i-wish-i-knew-earlier-217922">original article</a>.

Retirement Income

It’s not just about accumulating super. Australians need to learn how to spend their retirement savings

<a href="https://theconversation.com/profiles/marc-olynyk-1493791">Marc Olynyk</a>, <a href="https://theconversation.com/institutions/deakin-university-757">Deakin University</a> Australia’s superannuation and retirement income system is complex and difficult to navigate. Retirees need to make decisions on numerous issues where they have less than full information and understanding, both financial and non-financial. They also require access to retirement products to help them manage and balance income needs against longevity risk. Recognising these issues, the government released a <a href="https://treasury.gov.au/consultation/c2023-441613">discussion paper</a> this month seeking views on three key issues: <ol> <li> helping super fund members navigate the retirement income system </li> <li> supporting superannuation funds to deliver better services </li> <li> making retirement income products more accessible. </li> </ol> Australia has one of the largest and most sophisticated pension systems in the world. Valued at more than <a href="https://www.apra.gov.au/quarterly-superannuation-statistics">A$3.5 trillion</a> as at September 2023, and is the <a href="https://www.thinkingaheadinstitute.org/research-papers/global-pension-assets-study-2023/">5th largest pension scheme</a> in terms of asset size. It is also the <a href="https://www.mercer.com/insights/investments/market-outlook-and-trends/mercer-cfa-global-pension-index/">5th most highly rated retirement income system</a> internationally behind the Netherlands, Iceland, Denmark and Israel. <h2>What is wrong with the super system?</h2> But while the super system ranks highly in terms of integrity and sustainability, the numbers are not as flattering when it comes to “adequacy”. Adequacy is the level of income available to retirees depending on their different circumstances. According to a recent <a href="https://www.mercer.com/insights/investments/market-outlook-and-trends/mercer-cfa-global-pension-index/">study</a>, Australia is ranked 20th out of 47 worldwide on the adequacy index. <a href="https://www.investmentmagazine.com.au/2023/02/purpose-of-super-law-to-herald-tax-reform/">Reform</a> in the pre-retirement phase of Australia’s retirement income scheme is ongoing and designed to support accumulating wealth for retirement. These ongoing reforms have been designed to make superannuation easier to understand and to reduce much of the decision making required. They’ve been needed because of an apparent lack of skills, interest and financial literacy among Australians. While the message that we need to save to be comfortable in retirement is getting through, the lack of information about how to manage these savings once we retire means many retirees are left to navigate the complex system as best they can. Given the complexity and volatility of Australia’s financial system, it’s hardly surprising many of the decisions made by retirees don’t produce the best financial results. For example, more than <a href="https://treasury.gov.au/consultation/c2023-441613">84%</a> of retirement savings are held in account-based pensions which, if not properly managed, can run out. This is despite government and community awareness that outliving your savings is a real possibility. About 50% of retirees currently withdraw at the minimum pension rate, which means many people experience a lower standard of living than what would normally be expected with the super they have accumulated. This can result in wealth not being used and instead being passed on to the next generation. <h2>Help is needed now because the retiree sector is booming</h2> Over the next decade there is going to be a big increase in the number of people retiring and transitioning from the accumulation phase of their super to the pension phase. It’s estimated <a href="https://treasury.gov.au/consultation/c2023-441613">2.5 million</a> Australians will move to the retirement phase in this period. Following the 2014 <a href="https://treasury.gov.au/publication/c2014-fsi-final-report">Financial System Inquiry</a>, the government introduced the <a href="http://www5.austlii.edu.au/au/legis/cth/consol_act/sia1993473/s52.html">Retirement Income Covenant</a> in 2022 to force super fund trustees to develop a strategy that would provide better retirement outcomes for their members. The strategy is based on retirees maximising their expected retirement income, managing expected risks to their retirement income and having flexible access to super funds during their retirement. A 2022-23 review conducted by <a href="https://asic.gov.au/regulatory-resources/find-a-document/reports/rep-766-implementation-of-the-retirement-income-covenant-findings-from-the-apra-and-asic-thematic-review/">Australian Prudential Regulation Authority and the Australian Securities and Investments Commission</a> found while trustees were providing more help to retirees, overall there was a lack of progress and urgency among trustees to improve retirement outcomes. <h2>How the system could be improved</h2> Several proposals have been put forward to improve the experiences and decision-making of retirees. These have included: <ul> <li> improved support from and education by superannuation fund trustees </li> <li> changing how people view their super savings from an accumulation of wealth to a system that enables drawdown of retirement savings over time to fund expenses. </li> <li> providing an automatic rollover of retirement savings into an income-stream instead of allowing a lump sum withdrawal on retirement </li> <li> expanding existing income products (that are starting to be offered by several financial institutions) which combine providing investment choice with a pension for life </li> <li> setting up a MyRetire product that would run parallel to <a href="https://treasury.gov.au/programs-and-initiatives-superannuation/mysuper">MySuper</a> and provide a simple and cost-effective retirement income system for less engaged members. MySuper only applies to the accumulation phase. Once a member starts an income stream in retirement, their MySuper account ceases </li> <li> improving access to financial planning advice which is shown to play a significant role in preparing Australians for retirement. </li> </ul> The government, superannuation industry and the community all have a greater role to play in improving the financial outcomes and experiences of retirees. With Australia’s ageing population, the need to better support retirees to achieve a dignified retirement is becoming more urgent. All Australians expect and deserve a financially secure retirement.<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/219217/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/marc-olynyk-1493791">Marc Olynyk</a>, Director of Financial Planning, Deakin Business School, <a href="https://theconversation.com/institutions/deakin-university-757">Deakin 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/its-not-just-about-accumulating-super-australians-need-to-learn-how-to-spend-their-retirement-savings-219217">original article</a>.

Retirement Income

How to protect yourself from cyber-scammers over the festive period

<a href="https://theconversation.com/profiles/rachael-medhurst-1408437">Rachael Medhurst</a>, <a href="https://theconversation.com/institutions/university-of-south-wales-1586">University of South Wales</a> The festive season is a time for joy, family and festive cheer. However, it’s also a prime target for cybercriminals. As online shopping ramps up, so does the risk of falling prey to cyber-attacks. That’s why it’s crucial to be extra vigilant about your <a href="https://blog.tctg.co.uk/12-cyber-security-tips-of-christmas">cybersecurity</a> during this time. Here are some essential tips to safeguard yourself and your data during the festive period: <h2>Phishing</h2> Phishing is when criminals use scam emails, text messages or phone calls to trick their victims. Their <a href="https://www.ncsc.gov.uk/collection/phishing-scams">goal</a> is often to make you visit a certain website, which may download a virus on to your computer, or steal bank details or other personal data. This type of scam tends to <a href="https://www.egress.com/blog/phishing/holiday-phishing-scam-guide">increase</a> at this time due to the amount of people having bought or received new gadgets and technology. Look out for there being no direct reference to your name in any communications, with wording such as “Dear Sir/Madam” or other terms such as “valued customer” being used instead. Grammar and spelling mistakes are also often present. Be wary of any suspicious links or attachments within emails too, and don’t click them. It’s better to contact the company directly to check if the message is genuine. You can also <a href="https://www.ncsc.gov.uk/collection/phishing-scams">report</a> suspicious messages and phishing scams to the government’s National Cyber Security Centre. <h2>Shopping safely online</h2> The convenience of online shopping is undeniable, especially during the festive season. However, it’s crucial to prioritise your security when buying online. Before entering your personal and financial information on any website, ensure it’s legitimate and secure. Look for the “https” in the address bar and a <a href="https://theconversation.com/the-vast-majority-of-us-have-no-idea-what-the-padlock-icon-on-our-internet-browser-is-and-its-putting-us-at-risk-216581">padlock</a> icon, which indicates a secure and encrypted connection. When creating passwords for online shopping accounts, use strong, unique combinations of letters, numbers and symbols. Avoid using the same password for multiple accounts, as a breach on one site could compromise all your others. As with shopping in the real world, be cautious when encountering offers that are significantly below usual prices or which make extravagant promises. Always conduct thorough research on the seller and product before making a purchase. If a deal seems too good to be true, it probably is. And if you are out shopping in towns or city centres, there will often be a large number of public wifi options available to you. However, criminals can intercept the data that is transferred across such open and unsecured wifi. So, avoid using public wifi where possible, especially when conducting any financial transactions. <h2>Social media</h2> While social media platforms provide people with a means to keep in touch with family and friends over the festive period, they are often a goldmine for <a href="https://www.which.co.uk/consumer-rights/advice/how-to-spot-a-social-media-scam-aMtwF3u1XKGt">scams</a> and malware (software designed to disrupt, damage or gain unauthorised access to a computer). In the spirit of the festive season, people often share an abundance of personal information on social media, often without considering the potential consequences. This trove of data can make people vulnerable to cyber-attacks. Scammers can exploit this information to gain unauthorised access to social media accounts, steal personal information, or even commit identity theft. To protect yourself, be mindful of what you share. Be wary when interacting with posts and direct messages, especially if they contain suspicious links or attachments. Before clicking on anything, hover over the link to verify its destination. If it shows a website you don’t recognise or seems unrelated to the message, do not click on it. If you receive a message from someone you know but the content seems strange or out of character, contact them directly through a trusted channel to verify its authenticity. Likewise, be wary of messages containing urgent requests for money or personal information from businesses. Genuine organisations will never solicit sensitive details through social media. There are many buy and sell platforms available on social media. But while such platforms can be a great place to find a unique gift, it is also important to remember that not all sellers may be legitimate. So, it’s vital that you don’t share your bank details. If the seller sends a link to purchase the item, do not use it. When meeting to collect an item, it’s generally safer to use cash rather than transferring funds electronically. <figure><iframe src="https://www.youtube.com/embed/aO858HyFbKI?wmode=transparent&start=0" width="440" height="260" frameborder="0" allowfullscreen="allowfullscreen"></iframe><figcaption>Advice for staying safe online.</figcaption></figure> <h2>Package delivery scams</h2> As well as being a time for giving and receiving gifts, the festive season is also ripe for cybercriminals to exploit the excitement surrounding <a href="https://www.citizensadvice.org.uk/about-us/about-us1/media/press-releases/scams-linked-to-parcel-deliveries-come-top-in-2023/">package deliveries</a>. Scammers often pose as legitimate delivery companies, sending emails or text messages claiming that a delivery attempt was unsuccessful or requiring additional fees for processing, or even customs clearance. Typically, these messages contain links or phone numbers that, when clicked or called, lead to fake websites or automated phone systems designed to collect personal information or payments. To protect yourself, always verify the legitimacy of any delivery notifications you receive. Check the sender’s email address or phone number against the official contact information for the delivery company. If the information doesn’t match or seems suspicious, don’t click any links or provide personal details. Legitimate delivery companies will never ask for upfront payment or sensitive information through unsolicited messages or calls. Remember, cybercriminals are skilled at manipulating the festive spirit to their advantage. Stay vigilant, exercise caution, and don’t let your excitement for gifts and deliveries compromise your cybersecurity.<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/218294/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/rachael-medhurst-1408437">Rachael Medhurst</a>, Course Leader and Senior Lecturer in Cyber Security NCSA, <a href="https://theconversation.com/institutions/university-of-south-wales-1586">University of South Wales</a> Image credits: Getty Images This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/how-to-protect-yourself-from-cyber-scammers-over-the-festive-period-218294">original article</a>.

Money & Banking

Downsizing cost trap awaits retirees – five reasons to be wary

<a href="https://theconversation.com/profiles/erika-altmann-361218">Erika Altmann</a>, <a href="https://theconversation.com/institutions/university-of-tasmania-888">University of Tasmania</a> It’s time to debunk the myth of zero housing costs in retirement if we want to understand why retirees resist downsizing. Retirees have at least five reasons to be wary of the costs of downsizing. Retirees living in middle-ring suburbs face frequent calls to downsize into apartments to free up larger allotments in these suburbs for redevelopment. Retirees who fail to downsize into smaller units and apartments are viewed as being a greedy, baby-boomer elite, stealing financial security from younger generations. It also makes sense to policymakers for retirees to move into less spacious accommodation and make way for high-density housing. Housing think-tank AHURI <a href="http://www.ahuri.edu.au/__data/assets/pdf_file/0021/14079/AHURI_Final_Report_No_286_Australian-demographic-trends-and-implications-for-housing-assistance-programs.pdf">fosters this view</a>. Yet seniors remain resistant to moving, in part because of the ongoing costs they would face. The concept of zero housing costs in retirement is based on a 1940s view of a well-maintained, single dwelling on a single allotment of land where the mortgage has been paid off. This concept is incompatible with medium- and high-density housing and refusing to acknowledge ongoing housing costs may cause significant poverty for retirees. <h2>Reason 1 – upfront moving costs are high</h2> When a house is sold the owner receives the sale funds minus the real estate and legal fees. When the same person then buys a different property to live in, they pay legal fees plus stamp duty. For cities such as Melbourne and Sydney, these costs are likely to exceed A$70,000. These high transfer costs may mean it is not cost-effective <a href="https://theconversation.com/why-older-australians-dont-downsize-and-the-limits-to-what-the-government-can-do-about-it-76931">for the person to move</a>. <h2>Reason 2 – levies are high</h2> Because apartment owners pay body corporate levies, people often assume this is just the same as periodic payment of rates, water, insurance and other costs. It is not. Fees remissions for low-income retirees for rates, power, insurance and water are difficult to apply within a body corporate environment. As a consequence, these are usually not applied to owners of apartments. The costs of maintaining essential services, such as mandatory fire-alarm testing, yearly engineering certification, lift and air-conditioning inspections, significantly increase ownership costs. When additional services are supplied, such as swimming pools, gyms and rooftop gardens, these also require periodic inspections. Garbage collection, cleaning, gardening, concierge and strata management services also <a href="https://eprints.utas.edu.au/cgi/users/home?screen=EPrint%3A%3AView&eprintid=23322">must be paid</a>. Owners of standard suburban homes choose whether they want these services, with those on fixed incomes going without them. Annual levies for apartment buildings vary, but expect to pay between $10,000 and $15,000. They <a href="https://www.strata.community/understandingstrata/faqs">may be more than this</a>. <h2>Reason 3 – costs of maintenance</h2> <figure class="align-right "><figcaption></figcaption></figure> Apartments are often sold as a maintenance-free solution for older people. The maintenance is not free. It needs to be paid for. Maintenance costs are higher in an apartment than a standard suburban home because there are more items and services to be maintained and fixed. Lifts and air conditioning need periodic servicing and fixing. This is in addition to the mandatory inspections listed above. <h2>Reason 4 – loss of financial security</h2> It is a mistaken belief that the maintenance costs that form part of the body corporate fee include periodic property upgrades. This relates to items that are owned collectively with other apartment owners. Major servicing at the ten-year mark and usually each five-to-seven years after that include painting, floor-covering replacement, and lift and air-conditioning repair or replacement. Major upgrades may also include garden redesign or other external building enhancement including <a href="https://eprints.utas.edu.au/cgi/users/home?screen=EPrint%3A%3AView&eprintid=23315">environmental upgrades</a>. All owners share these upgrade costs. Costs of upgrading the inside of an apartment (a bathroom disability upgrade, for example) are additional again. Once the body corporate committee members pledge funds towards an upgrade, all owners are required to raise their share of the funds, whether they can afford it or not. Communal choice outweighs an individual owner’s need to delay upgrade costs. Owners who buy apartments that are part of a body corporate effectively lose control of their future financial decisions. <h2>Reason 5 – loss of security of tenure</h2> Loss of security of tenure is usually associated with renters. However, the recent introduction of <a href="http://www.lpi.nsw.gov.au/__data/assets/pdf_file/0009/25965/Termination_of_a_strata_scheme_by_RG.pdf">termination legislation</a> in New South Wales gives other owners the right to vote to terminate a strata title scheme. When this occurs, all owners, including reluctant owners of apartments within that scheme, are compelled to sell. There are valid reasons why termination legislation is desirable, as many older apartment complexes are reaching the end of their useful life. Even so, as termination legislation is rolled out across the states, owner- occupiers effectively lose control of how long they will own a property for. They no longer have security of tenure, which means retirees may face an uncertain housing future in their old age. <h2>Downsizing raises poverty risks</h2> Because current data sets do not adequately take account of ongoing costs associated with apartment living, the effect of downsizing on individual households is masked. Downsizing retirees into the apartment sector creates ongoing financial stress for older people. Creating <a href="https://theconversation.com/it-will-take-more-than-piecemeal-reforms-to-convince-older-australians-to-downsize-51043">tax incentives to move</a> does not tackle these ongoing costs. Centrelink payments for of <a href="https://www.humanservices.gov.au/customer/services/centrelink/age-pension">$404 per week</a> are well below <a href="http://acoss.wpengine.com/poverty-2/">the poverty line</a>. Yet we expect retirees to willingly downsize and to be able to cede most of their Centrelink payments to cover high body corporate costs. Requiring retirees to downsize for the greater urban good will shift poverty onto retirees who could barely manage in their previously owned standard suburban home. Failing to understand the effect of high ongoing costs associated with apartment living and reinforcing the myth of zero housing costs in retirement will continue to lead to poor policy outcomes.<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/80895/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/erika-altmann-361218">Erika Altmann</a>, Property and Housing Management Researcher, <a href="https://theconversation.com/institutions/university-of-tasmania-888">University of Tasmania</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/downsizing-cost-trap-awaits-retirees-five-reasons-to-be-wary-80895">original article</a>.

Retirement Income

Women and low-income earners miss out in a superannuation system most Australians think is unfair

<a href="https://theconversation.com/profiles/antonia-settle-1019551">Antonia Settle</a>, <a href="https://theconversation.com/institutions/the-university-of-melbourne-722">The University of Melbourne</a> Most Australians think the superannuation system is unfair, with only one in three agreeing the retirement savings scheme is fair for most Australians, according to a survey conducted for the University of Melbourne. In fact, only about half of those <a href="https://melbourneinstitute.unimelb.edu.au/publications/research-insights/search/result?paper=4630688">surveyed</a> agreed superannuation works well for them. These results contradict a conventional view based on earlier studies and held by academics and many in the personal finance sector, that Australians give little thought to superannuation. A 2013 survey found Australians have <a href="https://search.informit.org/doi/abs/10.3316/INFORMIT.285049750322819">poor knowledge</a> of how the superannuation system works, while another study in 2022 highlighted <a href="https://melbourneinstitute.unimelb.edu.au/__data/assets/pdf_file/0011/4382057/HILDA_Statistical_Report_2022.pdf">low financial literacy</a> in general. Australians also showed <a href="https://behaviouraleconomics.pmc.gov.au/sites/default/files/projects/retirement-planning-saving-attitudes_0_0.pdf">little interest in superannuation</a>, according to a 2020 Department of Prime Minister and Cabinet survey, with few Australians showing interest in reading their superannuation statements, choosing their fund or making voluntary contributions. With Australian households seen as uninformed and uninterested, their opinions tend to be left out of the public debate. We hear much about the gender pension gap, for example, but little about what women actually think about superannuation. Similarly, the distribution of tax advantage in superannuation is hotly debated by economists but survey data tends to refrain from asking households what they think about equity in the superannuation system. The University of Melbourne survey of 1,003 Australians was undertaken by Roy Morgan Research in April. Its results show women and low-income households are widely seen as disadvantaged in the superannuation system. In fact, only one in five Australians see the superannuation system as well suited to the needs of women and of low-income households, while 70% believe super favours wealthy households. <iframe id="5VX3K" class="tc-infographic-datawrapper" style="border: none;" src="https://datawrapper.dwcdn.net/5VX3K/1/" width="100%" height="400px" frameborder="0"></iframe> This suggests although Australians may show little interest in the management of their super accounts and may report they find the system confusing or even <a href="https://www.professionalplanner.com.au/wp-content/uploads/2016/05/Attitudes-to-Super-Report-May-2016.pdf">boring</a>, they are surprisingly aware of how superannuation is distributed. <h2>Women, singles and low-income earners miss out</h2> The federal government’s 2020 <a href="https://treasury.gov.au/publication/p2020-100554">Retirement Income Review</a> documents these gaps. Renters, women, uncoupled households and those on low-incomes fare poorly in the retirement income system. With little super to supplement the public pension, these groups are vastly over-represented in elderly poverty statistics, which are among the <a href="https://www.oecd-ilibrary.org/sites/d76e4fad-en/index.html?itemId=/content/component/d76e4fad-en">highest in the OECD</a>. Mirroring the gaps in the superannuation system reported by the review, the University of Melbourne survey shows that it is outright homeowners and those who are married who believe the superannuation system works well. Concerns the system works poorly for women and low-income households are strongest among women and low-income households. Only one in three renters believe the superannuation system meets their needs. <iframe id="N9GO6" class="tc-infographic-datawrapper" style="border: none;" src="https://datawrapper.dwcdn.net/N9GO6/1/" width="100%" height="400px" frameborder="0"></iframe> This suggests individuals’ concerns about fairness in the superannuation system are driven by their own experiences of disadvantage, regardless of financial literacy. This is consistent with my own <a href="https://www.tandfonline.com/doi/full/10.1080/13563467.2023.2195159">research</a> into household attitudes to superannuation, which showed some resentment among women who were well aware their male partners had substantially higher superannuation balances than them. This all matters for policymakers. <h2>Why public perceptions are important</h2> In the short term, these results suggest public support for making super fairer is likely to be stronger than previously thought. Recent government changes to tax concessions on large balances, for example, could have gone much further without losing support from the 70% of households that think the system favours the wealthy. But it matters for the longer term too. Public perceptions of fairness, effectiveness and efficiency are crucial to policy sustainability. This is well established in the academic literature from <a href="https://onlinelibrary.wiley.com/doi/full/10.1111/spol.12683">B Ebbinghaus</a>, 2021 and <a href="https://onlinelibrary.wiley.com/doi/abs/10.1111/1911-3838.12171">H Chung et al.</a>, and accepted by the Retirement Income Review. The review assessed the public’s confidence in the system to both “deliver an adequate retirement income for them(selves) and (to) generate adequate outcomes across society”. As the review makes clear, the system must avoid a loss of public confidence from perceptions of unfairness. Yet perceptions of unfairness are exactly what the University of Melbourne results suggest. This would have been clearer to policymakers if they asked earlier.<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/207633/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/antonia-settle-1019551">Antonia Settle</a>, Academic (McKenzie Postdoctoral Research Fellow), <a href="https://theconversation.com/institutions/the-university-of-melbourne-722">The University of Melbourne</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/women-and-low-income-earners-miss-out-in-a-superannuation-system-most-australians-think-is-unfair-207633">original article</a>.

Retirement Income

“He gave his life to protect his siblings”: Tragic end for third child in shed fire

In a heart-wrenching turn of events, the devastating shed fire that took place in Geelong, Victoria, on the weekend has claimed the life of a brave young hero. Isaac, the four-year-old boy who had been fighting for his life after the fire that tragically claimed the lives of two of his siblings, Ashlynn, aged 18 months, and Saige, just three years old, has succumbed to his injuries. The incident took place on a quiet Sunday morning in Corio, leaving the local community in shock and mourning. The children had been inside a shed on their family's property when the fire erupted, turning a normal day into an unimaginable nightmare. Despite the heroic efforts of Isaac, who valiantly shielded his younger siblings from the flames, the consequences were too grave for him to overcome. The fire rapidly consumed the shed, taking the lives of Ashlynn and Saige before they could be rescued. Isaac's father, Kane McGregor, described the extent of his son's injuries, with third-degree burns covering a staggering 82 percent of his young body. As if this wasn't enough, Isaac began showing signs of kidney and liver failure, all stemming from his courageous act to protect his siblings during the harrowing incident. “[Jasmine, their mother] said once she finally got the couch moved and grabbed Mavis first, Isaac had the other two huddled under him so they didn’t burn,” McGregor said. “What four-year-old huddles over their two little siblings? I couldn’t be any prouder of him.” Tragically, despite the valiant efforts of medical professionals, young Isaac couldn't overcome the devastating injuries he sustained. The loss of this young hero has left a deep void in the hearts of those who followed his courageous story. A <a href="https://www.gofundme.com/f/in-memory-of-Issac-saige-and-ashlynn" target="_blank" rel="noopener">GoFundMe page</a>, originally organised to raise funds for the children's medical expenses and support, posted an update following Isaac's death. It read, "Issac sadly grew his wings and reunited with his baby brother and sister. He will always be remembered as the heroic young boy who gave his life trying to protect his siblings." Mavis, Isaac's six-year-old sister, was the sole survivor among the siblings, though she, too, suffered severe injuries, with third-degree burns covering 30 percent of her body. She is currently in critical condition and is set to undergo surgery to address her injuries. Despite the physical and emotional trauma that Mavis has endured, there is hope that she will recover and heal in due course. The circumstances surrounding the fire remain unclear, and an investigation is underway to determine the exact cause of the tragedy. A couch inside the shed, initially used as a dog bed, became the source of the fire that swiftly engulfed the structure. The local authorities are diligently preparing a report for the Coroner to gain a deeper understanding of the events leading up to this devastating incident. Image: GoFundMe

Caring

Santas needed! Surprising Christmas shortage spells job openings for Aussie grandads

A nationwide Santa shortage has many shopping centres hoping for a Christmas miracle, before festive families line up in droves for a snap with Father Christmas. According to talent agency <a href="https://scenetobelieve.com.au/santa-jobs/" target="_blank" rel="noopener">Scene to Believe</a>, who are responsible for hiring Santas in over 180 around Australia, there are not have enough applicants for Santa roles this December. The agency's head Christmas recruiter, Viviana Diaz, told <a href="https://www.news.com.au/finance/work/careers/santa-jobs-go-unfilled-despite-fall-in-aussie-job-ads/news-story/de7f3c5b6d95c6f78f9718d1bb60a099" target="_blank" rel="noopener">news.com.au</a> that the seasonal shortfall was nationwide, but the situation was more pronounced in Sydney. The company said issue has been growing over the last three years, with the problem believed to have stemmed from the Covid pandemic. Ms Diaz said that contrary to popular belief, Santas can come in all shapes, sizes and ages, and that women are also eligible to apply. “Sometimes they think they have to look like Santa,” Ms Diaz said. “But we provide a full Santa suit and they don’t have to have a real beard.” Previous experience is also not required, as Scene to Believe runs a dedicated Santa School where new incoming Santas can learn tips from experienced Santas. The company states that Santas “need to be jolly, have a great HOHOHO and enjoy working with children”, while a genuine love of the festive season, patience and compassion, and good communication skills. A current Working with Children Check and Police Check, or willingness to get these, are also important. Ms Diaz added, “Being a shopping centre Santa is a perfect job for Aussies looking to help their hip pocket come Christmas time, with flexible working arrangements and casual rates.” Experienced Santa Tony Hooper said it’s “perfect for older Australians wanting to dip their toe back into the workforce”. “Being a Santa is by far the best work I’ve ever done. It’s flexible, I work when I want and I spend my days talking to young families and getting in the festive spirit.” “It’s also a great way to earn extra cash right before Christmas, which is when I need it most. And the best part is, I can still receive my pension!” Ms Diaz said failing to fill its Santa positions was not an option, and they would do everything in their power to have a flock of Santas ready to spread Christmas cheer on December 1st. “We have to find a lot of people because Santa has to be there. We will perform a Christmas miracle!” <div> </div> Image credits: Getty Images

Retirement Income

Top tips to protect your outdoor furniture

If you have outdoor furniture, it’s important to look after it properly so it will stay in good condition over the years. Remember to invest in UV and water-resistant chair covers and pillows in order to ensure you can enjoy your outdoor furniture without the hassle of replacing all your items. Here’s how to care for your furniture. 1. Wooden To get your wooden outdoor furniture ready for use, clean with hot soapy water or a hardwood cleaning fluid at the beginning of the season. If the furniture is very dirty then you can lightly sand the furniture after cleaning. It is a good idea to oil or paint your outdoor furniture after cleaning. If you want your furniture to age naturally, then oil the furniture with two coats and leave to dry for 48 hours. Use hardwood oil for eucalyptus and teak oil for teak furniture. If you want your outdoor furniture to look new, then use a stained oil. If you want to completely transform your furniture then paint with 2-3 coats and it should last for roughly three years. 2. Metal When you wash your metal outdoor furniture be sure to clean it with a non-abrasive cloth. If the furniture is made from steel, you need to treat any scratches that expose the bare metal underneath to prevent rust. If rust has already set it on your furniture, remove it using steel wool and then touch it up using an exterior metal paint of the same colour. If your furniture is made from aluminium, it won’t rust but it may suffer from aluminium oxidation. This won’t decrease the strength of the furniture but it will change the colour of the metal over time. To prevent this from happening, make sure you clean it regularly and store it away or keep it covered during the winter months. One tip to keep your metal furniture in pristine condition is to polish it with car wax after you have finished cleaning it. The wax will help the furniture be more water resistant. 3. Rattan Synthetic rattan is UV and weather-resistant so it won’t be as worn out by the weather conditions. Whenever it needs a refresh, wash with soapy water. It is important to keep an eye on the frame underneath as if that is made from steel rather than aluminium, you will need to abide by the metal care rules. 4. Resin Resin outdoor furniture is fairly easy to look after. Wash it regularly with soap to keep it in great condition. If there is dirt or stains that are particularly hard to get out, then wash your furniture with a pressure washer. Image credits: Getty Images

Home & Garden

Our planet is burning in unexpected ways - here’s how we can protect people and nature

<a href="https://theconversation.com/profiles/luke-kelly-159658">Luke Kelly</a>, <a href="https://theconversation.com/institutions/the-university-of-melbourne-722">The University of Melbourne</a>; <a href="https://theconversation.com/profiles/david-bowman-4397">David Bowman</a>, <a href="https://theconversation.com/institutions/university-of-tasmania-888">University of Tasmania</a>; <a href="https://theconversation.com/profiles/ella-plumanns-pouton-1470045">Ella Plumanns Pouton</a>, <a href="https://theconversation.com/institutions/the-university-of-melbourne-722">The University of Melbourne</a>; <a href="https://theconversation.com/profiles/grant-williamson-109967">Grant Williamson</a>, <a href="https://theconversation.com/institutions/university-of-tasmania-888">University of Tasmania</a>, and <a href="https://theconversation.com/profiles/michael-shawn-fletcher-99786">Michael-Shawn Fletcher</a>, <a href="https://theconversation.com/institutions/the-university-of-melbourne-722">The University of Melbourne</a> People have been using fire for millennia. It is a vital part of many ecosystems and cultures. Yet human activities in the current era, sometimes called the “<a href="https://theconversation.com/did-the-anthropocene-start-in-1950-or-much-earlier-heres-why-debate-over-our-world-changing-impact-matters-209869">Anthropocene</a>”, are reshaping patterns of fire across the planet. <a href="https://www.annualreviews.org/doi/abs/10.1146/annurev-environ-120220-055357">In our new research</a>, published in the Annual Review of Environment and Resources, we used satellite data to create global maps of where and how fires are burning. We calculated about 3.98 million square kilometres of Earth’s land surface burns each year. We also examined research spanning archaeology, climatology, ecology, Indigenous knowledge and paleoecology, to better understand the causes and consequences of fires. Our international team found strong evidence fires are burning in unexpected places, at unusual times and in rarely observed ways. These changes in fire patterns are threatening human lives and modifying ecosystems. But the future does not have to be bleak. There are many opportunities to apply knowledge and practice of fire to benefit people and nature. <h2>Here’s how fire patterns are changing</h2> Exploring multiple approaches and scales enables a deeper understanding of where, when and how fires burn. Satellite data provide evidence of changes in fire patterns at a global scale. <a href="https://agupubs.onlinelibrary.wiley.com/doi/full/10.1029/2020RG000726">Annual fire season length</a> increased by 14 days from 1979 to 2020 and <a href="https://www.nature.com/articles/s41586-021-04325-1">night fires</a>, which indicate fires that cannot be quickly controlled, increased in intensity by 7.2% from 2003 to 2020. Other changes are apparent only when we look at data from particular regions. An increase in fire size and the frequency of large fires has recently been observed in <a href="https://www.pnas.org/doi/abs/10.1073/pnas.2103135118">forests and woodlands of the western United States</a>. Meanwhile fire-dependent grasslands and savannahs across <a href="https://onlinelibrary.wiley.com/doi/full/10.1111/gcb.14711">Africa</a> and <a href="https://agupubs.onlinelibrary.wiley.com/doi/full/10.1029/2019GL082327">Brazil</a> have experienced reductions in fire frequency. It’s also important to consider the timescale and type of fire when interpreting changes. In Australia, <a href="https://www.nature.com/articles/s41467-021-27225-4">satellite records show</a> the frequency of very large forest fires has increased over the past four decades. At longer time scales, <a href="https://link.springer.com/article/10.1007/s13280-020-01339-3">charcoal and pollen records</a> indicate the frequency of low-intensity fires <a href="https://esajournals.onlinelibrary.wiley.com/doi/10.1002/fee.2395">decreased in parts of southeastern Australia</a> following British colonisation in 1788. <h2>Changes in fire affect air, land and water</h2> Many animals and plants have evolved strategies that enable them to thrive under particular fire patterns. This means changes to fire characteristics can <a href="https://www.science.org/doi/10.1126/science.abb0355">harm populations and ecosystems</a>. <a href="https://conbio.onlinelibrary.wiley.com/doi/full/10.1111/conl.12905">Large and intense fires</a> are reducing the available forest habitat preferred by the greater glider. But a <a href="https://theconversation.com/research-reveals-fire-is-pushing-88-of-australias-threatened-land-mammals-closer-to-extinction-185965">lack of fire can be problematic too</a>. Threatened species of native rodents can benefit from food resources and habitats that flourish shortly after fire. There is evidence that emissions from recent fires are already modifying the atmosphere. The historically exceptional 2019–20 Australian wildfires produced <a href="https://www.science.org/doi/10.1126/science.abe1415#:%7E:text=Intense%2C%20widespread%20bushfires%20in%20Australia,from%20a%20moderate%20volcanic%20eruption.">record-breaking levels of aerosols</a> over the Southern Hemisphere, as well as substantial carbon emissions. The <a href="https://www.nature.com/articles/s41893-020-00610-5">wildfire smoke-related health costs</a> of the 2019–20 wildfires in Australia included an estimated 429 smoke-related premature deaths as well as 3,230 hospital admissions for cardiovascular and respiratory disorders. Changes in fire patterns are modifying water cycles, too. In the western United States, <a href="https://www.pnas.org/doi/10.1073/pnas.2009717118">fires are reaching higher elevations</a> and having strong impacts on <a href="https://www.pnas.org/doi/10.1073/pnas.2200333119">snow</a> and water availability. New studies are revealing how the air, land and water that support life on Earth are connected by fires. Smoke plumes from the 2019–20 Australian wildfires transported nutrients to the Southern Ocean, resulting in <a href="https://www.nature.com/articles/s41586-021-03805-8">widespread phytoplankton blooms</a>. <h2>Humans are responsible for the changes</h2> Human drivers such as climate change, land use, fire use and suppression, and transportation and extinction of species <a href="https://www.annualreviews.org/doi/abs/10.1146/annurev-environ-120220-055357">are causing shifts in fire patterns</a>. Increasing global temperatures and more frequent heatwaves and droughts increase the likelihood of fire by promoting hot, dry and windy conditions. A pattern of extreme fire weather outside of natural climate variation is already emerging in <a href="https://onlinelibrary.wiley.com/doi/10.1111/gcb.15388">North America</a>, <a href="https://link.springer.com/article/10.1007/s10584-014-1183-3">southern Europe</a> and <a href="https://iopscience.iop.org/article/10.1088/1748-9326/ac1e3a/meta">the Amazon basin</a>. Humans modify fire regimes by changing land use for agricultural, forestry and urban purposes. Until recent decades, large fires in tropical forests were uncommon. But <a href="https://www.nature.com/articles/s41586-021-03876-7">deforestation fires</a> used to clear primary forest for agriculture often promotes more frequent and intense uncontrolled fires. Humans have transported plants and animals across the globe, resulting in novel mixes of species that modify fuels and fire regimes. In many parts of the world, <a href="https://www.pnas.org/doi/abs/10.1073/pnas.1908253116">invasive grasses</a> have increased flammability and fire activity. Social and economic changes propel these drivers. Colonisation by Europeans and the displacement of Indigenous peoples and their skilful use of fire has been linked with fire changes in <a href="https://esajournals.onlinelibrary.wiley.com/doi/10.1002/fee.2395">Australia</a>, <a href="https://www.pnas.org/doi/10.1073/pnas.2116264119">North America</a> and <a href="https://royalsocietypublishing.org/doi/10.1098/rstb.2015.0174">South America</a>. <h2>Using knowledge and practice of fire to achieve sustainability goals</h2> <a href="https://www.annualreviews.org/doi/abs/10.1146/annurev-environ-120220-055357">The pace and scale of these changes</a> represent challenges to humanity, but knowledge and practice of fire can help to achieve sustainability goals. This includes: <ul> <li><a href="https://royalsocietypublishing.org/doi/10.1098/rstb.2015.0174">good health and wellbeing</a>, by supporting community-owned solutions and fire practices that increase social cohesion and health</li> <li><a href="https://www.sciencedirect.com/science/article/pii/S0301479718314658">sustainable cities and communities</a>, by designing green firebreaks and mixed-use areas with low fuels, strategically located in the landscape</li> <li><a href="https://www.science.org/doi/10.1126/science.aam7672">life on land</a>, by tailoring use of fire to promote and restore species and ecosystems</li> <li><a href="https://www.nature.com/articles/s41561-021-00867-1">climate action</a>, by applying low-intensity fire to promote the stability of soil organic matter and increase carbon storage</li> <li><a href="https://www.mdpi.com/1660-4601/18/8/3921">reduced inequalities</a>, by allocating resources before, during, and after wildfires to at-risk communities and residents.</li> </ul> As the world changes, society as a whole needs to keep learning about the interplay between people and fire. A deep understanding of fire is essential for achieving a sustainable future – in other words, <a href="https://www.annualreviews.org/doi/abs/10.1146/annurev-environ-120220-055357">a better Anthropocene</a>.<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/213215/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/luke-kelly-159658">Luke Kelly</a>, Associate Professor in Quantitative Ecology, <a href="https://theconversation.com/institutions/the-university-of-melbourne-722">The University of Melbourne</a>; <a href="https://theconversation.com/profiles/david-bowman-4397">David Bowman</a>, Professor of Pyrogeography and Fire Science, <a href="https://theconversation.com/institutions/university-of-tasmania-888">University of Tasmania</a>; <a href="https://theconversation.com/profiles/ella-plumanns-pouton-1470045">Ella Plumanns Pouton</a>, PhD candidate, <a href="https://theconversation.com/institutions/the-university-of-melbourne-722">The University of Melbourne</a>; <a href="https://theconversation.com/profiles/grant-williamson-109967">Grant Williamson</a>, Research Fellow in Environmental Science, <a href="https://theconversation.com/institutions/university-of-tasmania-888">University of Tasmania</a>, and <a href="https://theconversation.com/profiles/michael-shawn-fletcher-99786">Michael-Shawn Fletcher</a>, Professor in Biogeography, <a href="https://theconversation.com/institutions/the-university-of-melbourne-722">The University of Melbourne</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/our-planet-is-burning-in-unexpected-ways-heres-how-we-can-protect-people-and-nature-213215">original article</a>.

Travel Trouble

7 hacks for retirees to make your money last longer

As Australians continue to live longer, the squeeze is on to make each dollar last longer – and never moreso than in retirement. <a href="https://www.aihw.gov.au/reports/life-expectancy-deaths/deaths-in-australia/contents/life-expectancy">Life expectancies in Australia</a> are now 85.4 years for women and 81.3 years for men. Meanwhile, the <a href="https://www.abs.gov.au/statistics/labour/employment-and-unemployment/retirement-and-retirement-intentions-australia/latest-release">average age at retirement</a> for all retirees is 56.3 years. That’s up to 29.1 years of retirement to be paid for without a salaried income. Thankfully, making money last longer is just possible, with the help of a few tips and tricks. <ol> <li>Embrace seniors’ discounts</li> </ol> It was once said that “it’s better to pay full price than to admit you’re a senior citizen”. Really? Who wouldn’t prefer the extra cash! Being “senior” opens the door to numerous discounts and freebies. If you haven’t already, apply for your eligible concession cards, including the <a href="https://www.servicesaustralia.gov.au/commonwealth-seniors-health-card">Commonwealth Seniors Health Card</a> (for discounted healthcare and prescriptions) and state or territory seniors card (for discounted/free vehicle registration, public transport and other services). Additionally, many businesses offer seniors discounts – insurers, retailers, attractions and more. But they may not advertise these discounts widely, so it pays to ask. <ol start="2"> <li>Maintain a plan</li> </ol> Having a plan and keeping it up to date ensures you don’t overdraw from super, losing the income-generating power of those funds and running out prematurely. I prefer a ‘savings and investment plan’, which sounds nicer and is more comprehensive than a ‘budget’. Incorporate your goals, expenses, assets, and incomes – visibility keeps you disciplined and allows you to act quickly if something is amiss. <ol start="3"> <li>Spend points</li> </ol> Many retirees have held their current credit card, store cards and frequent flyer account for years – decades even. How many points are sitting there unused? These points generally aren’t transferable, so can’t be gifted in your will. It’s use them or lose them! Points can pay for everything from groceries to homewares, travel and even your Christmas shopping – conserving your cash and super. <ol start="4"> <li>Get comfortable</li> </ol> Rightsizing your home sooner rather than later has numerous benefits, such as: <ul> <li><a href="https://www.ato.gov.au/Individuals/Super/Growing-and-keeping-track-of-your-super/How-to-save-more-in-your-super/Downsizer-super-contributions/">downsizer super contributions tax breaks</a> to boost superannuation earnings.</li> <li>paying less for your new home, since property prices generally track upwards whilst investing the extra equity.</li> <li>avoiding complications of moving later in life when your health or mobility may not be as good.</li> <li>avoiding a mistake - using the time to find exactly what you want, where you want, rather than being under pressure and having to spend stamp duty again</li> </ul> Home ownership is also a major determinant of how comfortable your retirement will be. And given the current state of Australia’s rental market, selling your home to move into rented accommodation could prove costly. <ol start="5"> <li>Retain protections</li> </ol> Protections are typically a cost – insurance premiums, legal fees, memberships etc. However, the cost of not having them in place can be far higher. Plus, in the case of insurances, prices and restrictions increase with age – meaning you pay more but get less value for that spend, compared with the more favourable terms of a long-held policy. By all means adjust your protections to suit your current and future needs. But think twice before trying to save a few dollars by discarding insurances or cancelling sports and social memberships that keep you active. <ol start="6"> <li>Update estate planning</li> </ol> Considerable costs (and heartache) inevitably hit a grieving partner and family where someone dies without having their affairs properly in order: <ul> <li>funeral costs and medical bills pile up if funds haven’t been allocated for them.</li> <li>delayed payouts from insurances and super if those details aren’t readily available. </li> <li>loss of economies of scale (living costs per person are cheaper for couples than singles). </li> <li>unexpected taxes, debts, and liabilities.</li> <li>legal conflicts arise where wills are unclear or outdated.</li> <li>a person’s wishes may go overlooked or be challenged where guardianships and power of attorney were not devised.</li> </ul> In extreme cases, the surviving spouse may be forced to sell their home to pay associated costs or because they can’t afford to maintain it alone. <ol start="7"> <li>Seek good advice</li> </ol> Just like a good doctor helps you stay physically and mentally healthy, a good financial adviser helps your finances stay healthy, tactically smart and use strategies to reduce tax which stretches your money further. Be sure their accreditation is up-to-date, and they have experience working with retirees (not just those planning for it during their working years). Often, the cost of this advice pales in comparison to the tax saved and additional income earned through benefits, structures and plans you never even knew about. What’s not to love about that! Helen Baker is a licensed Australian financial adviser and author of the new book, On Your Own Two Feet: The Essential Guide to Financial Independence for all Women (Ventura Press, $32.99). Helen is among the 1% of financial planners who hold a master’s degree in the field. Proceeds from book sales are donated to charities supporting disadvantaged women and children. Find out more at <a href="http://www.onyourowntwofeet.com.au">www.onyourowntwofeet.com.au</a> Image credits: Getty Images

Retirement Income

7 simple wealth creation ideas for over 60s

In today's world of rising costs and economic uncertainties, building wealth after the age of 60 might seem like a daunting task. However, it's essential to remember that it's never too late to take control of your financial future and explore innovative ways to boost your income and savings. The latest Retirement Standard from the super industry body ASFA reveals that singles aged 65-84 need an annual income of approximately $50,207 for a 'comfortable lifestyle' in retirement, while couples require a combined income of $70,806 per year. With the full age pension often falling short of these numbers, many seniors are seeking alternative ways to supplement their income during retirement. Let’s delve into some practical and achievable wealth creation ideas tailored to older Australians who are looking to secure their financial well-being in their golden years. <ol> <li>Intentional Spending</li> </ol> Cutting down on non-essential spending is a powerful way to save money. Review your discretionary expenses and identify areas where you can make reductions. For instance, consider cooking at home instead of dining out, exploring free or low-cost local activities for entertainment, and delaying the purchase of luxury items. Prioritise experiences that provide value without straining your budget. <ol start="2"> <li>Pressure Test Your Retirement Strategy</li> </ol> It's essential to regularly review your retirement plan, taking into account the evolving financial landscape, legislative changes, and opportunities to minimise costs. By doing so, you can maximise the funds under your control and make informed decisions that align with your retirement goals. Keep in mind that the financial world is dynamic, and staying proactive in managing your retirement assets can lead to a more secure and comfortable retirement. <ol start="3"> <li>Get rid of things you don't need by selling online</li> </ol> Embrace the digital age and leverage online marketplaces to turn your unneeded possessions into cash. If you're not tech-savvy, don't hesitate to enlist the help of your grandchildren or any trusted youngster who can guide you through the process. Selling items online not only declutters your living space but also opens up opportunities to supplement your retirement income. Embracing technology can be empowering and profitable at any age! <ol start="4"> <li>Part-Time Job Opportunities in the Gig Economy</li> </ol> Embrace the gig economy by exploring part-time job opportunities. Various platforms offer flexible work arrangements suitable for seniors, such as rideshare driving or food delivery services. These roles allow you to set your own hours and supplement your retirement income. <ol start="5"> <li>Freelancing or Consulting</li> </ol> Your years of experience and expertise are valuable assets. Consider venturing into part-time freelancing or consulting opportunities within your field. Many businesses are eager to hire experienced professionals for specific projects or advisory roles, providing an opportunity to boost your income without a full-time commitment. <ol start="6"> <li>Renting Out a Spare Room</li> </ol> If you have extra space in your home, consider renting out a spare room to short-term guests. Websites like Airbnb make it easy to find renters, providing a consistent source of income and helping to cover housing costs. <ol start="7"> <li>Compare and Save</li> </ol> Once you've reviewed your spending habits, identify areas where you can potentially save money by shopping around and obtaining comparison quotes. Renegotiating bills and subscriptions can also yield significant savings. Don't forget to review your insurance policies, adjusting the coverage and excess to potentially reduce premiums. Creating wealth in your golden years may seem challenging, but with the right approach and determination, it's entirely achievable. By exploring these simple and practical ideas, older Australians can take steps toward securing their financial future and enjoying a comfortable retirement. Remember that every financial decision should align with your individual circumstances and objectives. However, it's crucial to note that earning extra income during retirement can impact age pension payments. It can be worth seeking financial advice about the best way to increase income during retirement without compromising any other entitlements, so consider seeking professional guidance to make informed choices on your path to financial security, ensuring a comfortable and worry-free retirement. Amanda Thompson, author of Financially Fit Women, is a sought-after speaker and qualified financial adviser. As the founder of Endurance Financial, Amanda is driven to renew personal and confidence by providing the financial knowledge and guidance to have a great relationship with money allowing you to become your own CFO (Confident, Focussed & On top of your Finances). For more information visit <a href="http://www.endurancefinancial.com.au">www.endurancefinancial.com.au</a> Image credits: Getty Images

Retirement Income

Finding a live brain worm is rare. 4 ways to protect yourself from more common parasites

<a href="https://theconversation.com/profiles/vincent-ho-141549">Vincent Ho</a>, <a href="https://theconversation.com/institutions/western-sydney-university-1092">Western Sydney University</a> <a href="https://www.theguardian.com/australia-news/2023/aug/28/live-worm-living-womans-brain-australia-depression-forgetfulness">News reports</a> this morning describe how shocked doctors removed a live worm from a woman’s brain in a Canberra hospital last year. The woman had previously been admitted to hospital with stomach symptoms, dry cough and night sweats and months later experienced depression and forgetfulness that led to a brain scan. In the <a href="https://wwwnc.cdc.gov/eid/article/29/9/23-0351_article">case study</a> published in Emerging Infectious Diseases journal, doctors describe removing the live 8cm-long nematode (roundworm) from the brain of the 64-year-old woman who was immunosuppressed. The worm was identified as O. robertsi which is native to Australia, where it lives on carpet pythons. The woman may have come into contact with worm eggs via snake faeces while foraging for Warrigal greens to eat. It’s important to note this is an extremely rare event and headlines about brain worms can be alarming. But there are more common parasites which can infect your body and brain. And there are ways you can minimise your risks of being infected with one. <h2>Common parasites and how they get in</h2> Parasitic infection is extremely common. Arguably the most widespread type is pinworm (Enterobius vermicularis also called threadworm), which is thought to be present in <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC6522669/">over a billion people</a> worldwide, especially children. Pinworms grow to around 1cm in length and are specific to human hosts. They cause intense bottom itching and get passed from person-to-person. It’s a myth that you can get it from pets. <a href="https://www.cdc.gov/parasites/giardia/pathogen.html#:%7E:text=Giardia%20duodenalis%20is%20a%20protozoan,Giard%20of%20Paris%20and%20Dr.">Giardia</a> (Giardia duodenalis) is also very common and can contaminate food, water and surfaces. This water-borne parasite is associated with poor sanitation and causes stomach symptoms like diarrhoea, cramps, bloating, nausea and fatigue. Giardia cysts (little sacs of immature parasite) spread disease and are passed out in faeces, where they can remain viable in the environment for months before being consumed by someone else. They can also be ingested via foods (such as sheep meat) that is raw or undercooked. <a href="https://www.cdc.gov/dpdx/hookworm/index.html">Two types</a> of hookworm – Necator americanis and Ancylostoma duadonale – are found in soil. Only Ancylostoma duodenale is an issue in Australia and is typically found in <a href="https://www.cdc.gov/dpdx/hookworm/index.html">remote communities</a>. When a person is infected (usually via barefeet or contaminated footwear) these worms enter the bloodstream and then hit the lungs. From the bronchi in the upper lungs, they are swallowed with secretions. Once in the gut and small bowel they can <a href="https://www.who.int/news-room/fact-sheets/detail/soil-transmitted-helminth-infections#:%7E:text=Transmission,these%20eggs%20contaminate%20the%20soil.">cause anaemia</a> (low iron). This is because they are consuming nutrients and affecting iron absorption. They also release an anticoagulant that stops the human host’s blood clotting and causes tiny amounts of blood loss. Fortunately, these very common parasites do not infect the brain. Across the world, it’s estimated <a href="https://pubmed.ncbi.nlm.nih.gov/22491772/">30–50% of people</a> are infected with Toxoplasma. Most people will be asymptomatic but many carry the <a href="https://theconversation.com/one-in-three-people-are-infected-with-toxoplasma-parasite-and-the-clue-could-be-in-our-eyes-182418">signs of infection</a>. The parasites can remain in the body for years as tiny tissue cysts. These cysts can be found in brain, heart and muscle. Infants can be born with serious eye or brain damage if their mothers are infected during pregnancy. People with compromised immunity – such as from AIDS or cancer treatment – are also at risk of illness from infection via pet cats or uncooked meat. <h2>Then there are tapeworms and amoebas</h2> Tapeworms can infect different parts of the body including the brain. This is called <a href="https://www.cdc.gov/parasites/resources/pdf/npis_in_us_neurocysticercosis.pdf">neurocysticercosis</a> and is the leading cause of epilepsy worldwide. Neurocysticercosis is uncommon in the Western world and infection is usually via eating pork that is uncooked or prepared by someone who is infected with tapeworm (Taenia solium). It is more likely in locations where pigs have contact with human faeces via sewerage or waterways. <figure class="align-right zoomable"><figcaption></figcaption></figure> Tapeworm larvae can infect muscle and soft tissue. Brain tissue can provide a home for larvae because it is soft and easy to get to via blood vessels. Brain infection can cause headaches, dizziness, seizures, cognitive impairment and even dementia, due to an increase in <a href="https://www.cdc.gov/parasites/cysticercosis/gen_info/faqs.html">cerebral spinal fluid pressure</a>. <a href="https://www.cdc.gov/parasites/naegleria/general.html">Naegleria fowleri</a> is an amoeba found in lakes, rivers and springs in warm climates including <a href="https://www.sahealth.sa.gov.au/wps/wcm/connect/public+content/sa+health+internet/public+health/water+quality/naegleria+fowleri#:%7E:text=How%20common%20are%20Naegleria%20fowleri,frequently%20found%20in%20the%20environment.">in Australia</a>. People swimming in infected waters can have the parasite enter their body through the nose. It then travels to the brain and destroys brain tissue. The condition is <a href="https://www.cdc.gov/parasites/naegleria/general.html#:%7E:text=Top%20of%20Page-,What%20is%20the%20death%20rate%20for%20an%20infected%20person%20who,States%20from%201962%20to%202022.">almost always fatal</a>. <h2>Yikes! 4 ways to avoid parasitic infection</h2> That all sounds very scary. And we know being infected by a snake parasite is very rare – finding one alive in someone’s brain is even rarer. But parasites are all around us. To minimise your risk of infection you can: 1. avoid undercooked or raw pork. Freezing meat first may reduce risks (though home freezers <a href="https://www.cdc.gov/parasites/trichinellosis/prevent.html">may not get cold enough</a>) and it must be cooked to a <a href="https://www.sciencedirect.com/science/article/pii/S0924224418301560#:%7E:text=and%20time%20conditions.-,Cooking%20at%20core%20temperature%2060%E2%80%9375%20%C2%B0C%20for%2015,relied%20upon%20in%20home%20situations.">high internal temperature</a>. Avoid pork if you are travelling in places with poor sanitation 2. avoid jumping or diving into warm fresh bodies of water, especially if they are known to carry Naegleria fowleri. Although only a <a href="https://www.cdc.gov/parasites/naegleria/graphs.html">handful of cases</a> are reported each year, you should assume it’s present 3. practise good <a href="https://www.cdc.gov/handwashing/when-how-handwashing.html#:%7E:text=Follow%20Five%20Steps%20to%20Wash%20Your%20Hands%20the%20Right%20Way&text=Wet%20your%20hands%20with%20clean,for%20at%20least%2020%20seconds.">hand hygiene</a> to reduce the risk of rare and common infections. That means washing hands thoroughly and often, using soap, scrubbing for at least 20 seconds, rinsing and drying well. Clip and clean under fingernails regularly 4. to avoid soil-borne parasites wear shoes outside, especially in rural and remote regions, wash shoes and leave them outside.<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/212437/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/vincent-ho-141549">Vincent Ho</a>, Associate Professor and clinical academic gastroenterologist, <a href="https://theconversation.com/institutions/western-sydney-university-1092">Western Sydney University</a> Image credits: Canberra Health 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/finding-a-live-brain-worm-is-rare-4-ways-to-protect-yourself-from-more-common-parasites-212437">original article</a>.

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Why millions of Aussies are falling behind on superannuation savings

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