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Would you be happy as a long-term single? The answer may depend on your attachment style

<div class="theconversation-article-body"><em><a href="https://theconversation.com/profiles/christopher-pepping-1524533">Christopher Pepping</a>, <a href="https://theconversation.com/institutions/griffith-university-828">Griffith University</a>; <a href="https://theconversation.com/profiles/geoff-macdonald-1527971">Geoff Macdonald</a>, <a href="https://theconversation.com/institutions/university-of-toronto-1281">University of Toronto</a>; <a href="https://theconversation.com/profiles/tim-cronin-415060">Tim Cronin</a>, <a href="https://theconversation.com/institutions/la-trobe-university-842">La Trobe University</a>, and <a href="https://theconversation.com/profiles/yuthika-girme-1494822">Yuthika Girme</a>, <a href="https://theconversation.com/institutions/simon-fraser-university-1282">Simon Fraser University</a></em></p> <p>Are all single people insecure? When we think about people who have been single for a long time, we may assume it’s because single people have insecurities that make it difficult for them to find a partner or maintain a relationship.</p> <p>But is this true? Or can long-term single people also be secure and thriving?</p> <p>Our <a href="https://onlinelibrary.wiley.com/doi/full/10.1111/jopy.12929">latest research</a> published in the Journal of Personality suggests they can. However, perhaps unsurprisingly, not everybody tends to thrive in singlehood. Our study shows a crucial factor may be a person’s attachment style.</p> <h2>Singlehood is on the rise</h2> <p>Singlehood is on the rise around the world. In Canada, single status among young adults aged 25 to 29 has increased from <a href="https://www150.statcan.gc.ca/n1/daily-quotidien/220713/dq220713b-eng.htm">32% in 1981 to 61% in 2021</a>. The number of people <a href="https://www150.statcan.gc.ca/n1/daily-quotidien/220713/dq220713a-eng.htm">living solo</a> has increased from 1.7 million people in 1981 to 4.4 million in 2021.</p> <p>People are single for many reasons: <a href="https://www.ucpress.edu/ebook/9780520971004/happy-singlehood">some choose</a> to remain single, some are focusing on <a href="https://link.springer.com/article/10.1007/s12147-020-09249-0">personal goals and aspirations</a>, some report <a href="https://www.pewresearch.org/social-trends/2020/08/20/nearly-half-of-u-s-adults-say-dating-has-gotten-harder-for-most-people-in-the-last-10-years/">dating has become harder</a>, and some become single again due to a relationship breakdown.</p> <p>People may also remain single due to their attachment style. Attachment theory is a popular and well-researched model of how we form relationships with other people. An <a href="https://www.amazon.com.au/s?k=attachment+theory">Amazon search for attachment theory</a> returns thousands of titles. The hashtag #attachmenttheory has been viewed <a href="https://www.cnbc.com/2022/08/20/why-attachment-theory-is-trending-according-to-dr-amir-levine.html">over 140 million times</a> on TikTok alone.</p> <h2>What does attachment theory say about relationships?</h2> <p>Attachment theory suggests our relationships with others are shaped by our degree of “anxiety” and “avoidance”.</p> <p>Attachment anxiety is a type of insecurity that leads people to feel anxious about relationships and worry about abandonment. Attachment avoidance leads people to feel uncomfortable with intimacy and closeness.</p> <p>People who are lower in attachment anxiety and avoidance are considered “securely attached”, and are comfortable depending on others, and giving and receiving intimacy.</p> <p>Single people are often stereotyped as being <a href="https://journals.sagepub.com/doi/full/10.1177/01461672231203123">too clingy or non-committal</a>. Research comparing single and coupled people also suggests single people have <a href="https://onlinelibrary.wiley.com/doi/abs/10.1111/j.1467-6494.2012.00793.x?casa_token=6iiCm5PjHgkAAAAA:0kBeofx3M-72YrkVppmNxdWBIAImFwm3lAakCnuiNXL20SVP1zaW7UeDIahW_43imAjSRXgtyN0hLVI">higher levels of attachment insecurities</a> compared to people in relationships.</p> <p>At the same time, evidence suggests many single people are choosing to remain single and <a href="https://journals.sagepub.com/doi/full/10.1177/17456916221136119">living happy lives</a>.</p> <h2>Single people represent a diverse group of secure and insecure people</h2> <p>In our latest research, our team of social and clinical psychologists examined single people’s attachment styles and how they related to their happiness and wellbeing.</p> <p>We carried out two studies, one of 482 younger single people and the other of 400 older long-term singles. We found overall 78% were categorised as insecure, with the other 22% being secure.</p> <p>Looking at our results more closely, we found four distinct subgroups of singles:</p> <ul> <li> <p>secure singles are relatively comfortable with intimacy and closeness in relationships (22%)</p> </li> <li> <p>anxious singles question whether they are loved by others and worry about being rejected (37%)</p> </li> <li> <p>avoidant singles are uncomfortable getting close to others and prioritise their independence (23% of younger singles and 11% of older long-term singles)</p> </li> <li> <p>fearful singles have heightened anxiety about abandonment, but are simultaneously uncomfortable with intimacy and closeness (16% of younger singles and 28% of older long-term singles).</p> </li> </ul> <h2>Insecure singles find singlehood challenging, but secure singles are thriving</h2> <p>Our findings also revealed these distinct subgroups of singles have distinct experiences and outcomes.</p> <p>Secure singles are happy being single, have a greater number of non-romantic relationships, and better relationships with family and friends. They meet their sexual needs outside romantic relationships and feel happier with their life overall. Interestingly, this group maintains moderate interest in being in a romantic relationship in the future.</p> <p>Anxious singles tend to be the most worried about being single, have lower self-esteem, feel less supported by close others and have some of the lowest levels of life satisfaction across all sub-groups.</p> <p>Avoidant singles show the least interest in being in a romantic relationship and in many ways appear satisfied with singlehood. However, they also have fewer friends and close relationships, and are generally less satisfied with these relationships than secure singles. Avoidant singles also report less meaning in life and tend to be less happy compared to secure singles.</p> <p>Fearful singles reported more difficulties navigating close relationships than secure singles. For instance, they were less able to regulate their emotions, and were less satisfied with the quality of their close relationships relative to secure singles. They also reported some of the lowest levels of life satisfaction across all sub-groups.</p> <h2>It’s not all doom and gloom</h2> <p>These findings should be considered alongside several relevant points. First, although most singles in our samples were insecure (78%), a sizeable number were secure and thriving (22%).</p> <p>Further, simply being in a romantic relationship is not a panacea. Being in an unhappy relationship is linked to <a href="https://doi.org/10.1371/journal.pmed.1000316">poorer life outcomes</a> than being single.</p> <p>It is also important to remember that attachment orientations are not necessarily fixed. They are open to <a href="https://www.sciencedirect.com/science/article/pii/S2352250X18300113">change</a> in response to life events.</p> <p>Similarly, <a href="https://journals.sagepub.com/doi/full/10.1177/0963721413510933">sensitive and responsive behaviours</a> from close others and <a href="https://doi.org/10.1177/02654075231162390">feeling loved and cared about</a> by close others can soothe underlying attachment concerns and foster attachment security over time.</p> <p>Our studies are some of the first to examine the diversity in attachment styles among single adults. Our findings highlight that many single people are secure and thriving, but also that more work can be done to help insecure single people feel more secure in order to foster happiness.<!-- Below is The Conversation's page counter tag. Please DO NOT REMOVE. --><img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/227595/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /><!-- End of code. If you don't see any code above, please get new code from the Advanced tab after you click the republish button. The page counter does not collect any personal data. More info: https://theconversation.com/republishing-guidelines --></p> <p><em><a href="https://theconversation.com/profiles/christopher-pepping-1524533">Christopher Pepping</a>, Associate Professor in Clinical Psychology, <a href="https://theconversation.com/institutions/griffith-university-828">Griffith University</a>; <a href="https://theconversation.com/profiles/geoff-macdonald-1527971">Geoff Macdonald</a>, Professor of Psychology, <a href="https://theconversation.com/institutions/university-of-toronto-1281">University of Toronto</a>; <a href="https://theconversation.com/profiles/tim-cronin-415060">Tim Cronin</a>, Lecturer in Clinical Psychology, <a href="https://theconversation.com/institutions/la-trobe-university-842">La Trobe University</a>, and <a href="https://theconversation.com/profiles/yuthika-girme-1494822">Yuthika Girme</a>, Associate Professor, Department of Psychology, <a href="https://theconversation.com/institutions/simon-fraser-university-1282">Simon Fraser University</a></em></p> <p><em>Image credits: Getty Images </em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/would-you-be-happy-as-a-long-term-single-the-answer-may-depend-on-your-attachment-style-227595">original article</a>.</em></p> </div>

Relationships

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Coming to terms with the past is more important than ever. The Voice referendum is a vital first step

<p><em><a href="https://theconversation.com/profiles/heidi-norman-859">Heidi Norman</a>, <a href="https://theconversation.com/institutions/university-of-technology-sydney-936">University of Technology Sydney</a></em></p> <p>This Saturday is the final day of voting in the Voice to Parliament referendum, which asks Australians to support recognition of First Peoples in the Constitution and enable First Peoples’ representation on relevant policies and programs.</p> <p>Over the last several weeks, I have attended many events supporting and advocating for the Voice referendum. In these forums, my fellow Australians talk about the Constitution, the role of government and how power is exercised in modern democracy. Some have never read or thought about the Constitution before.</p> <p>I’ve seen young First Nations lawyers explaining to a mixed crowd how the Constitution works, what is included in it and what a constitutionally enshrined Voice would mean. I have been invigorated by such sincere participation in understanding how our democracy works, and could work better.</p> <p>This serious contemplation was getting underway at the Referendum Council’s Aboriginal regional dialogues I attended in 2017. With other Aboriginal people, we discussed what change could look like. I have supported the implementation of the Uluru Statement from the Heart and played my small part supporting the “yes” vote at my university and with my family and community.</p> <h2>How opinions have differed</h2> <p>Debates around the Voice have presented three competing narratives to the Australian public.</p> <p>The “yes” position addresses the outstanding business of the place of First Peoples in the life of the nation. This position is an offer of peace, to walk together towards settlement. It also believes that if First Peoples are able to work with and through government – with power devolved to local-level decision-making – the everyday experiences of the disadvantaged will be changed.</p> <p>The Voice proposal is a modest, middle path. It’s a compromise position that was believed to have the greatest chance of gaining support from progressives, liberals and conservatives.</p> <p>The “no” position refuses to acknowledge the unique place of First Peoples in the life of the nation and rejects any perceived “special treatment” based on either disadvantage or cultural difference.</p> <p>A third, minority group is the so-called “progressive no” vote, which rejects the Voice referendum as an unacceptable compromise with limited utility as a mechanism to advance First Peoples’ rights. It argues Voice is not enough, and it’s time instead for recognition of sovereignty.</p> <p>Each of these narratives draws from competing versions of the story of the nation’s past and future. We can see that understanding our history is more important than ever in addressing the politics of disruption and disinformation and the toxic social and political discourse that has dominated the campaign.</p> <h2>Right-wing tactics of division</h2> <p>Debate over the referendum has played out in a different way to other referendums and general election campaigns. The debate has often been discourteous, relying on a swarm of cruel, derogatory and racist social media posts. Some leading “no” campaigners have <a href="https://www.theguardian.com/australia-news/2023/sep/28/we-forgive-but-never-forget-yes-campaigner-rachel-perkins-responds-to-warren-mundine-on-uluru-statement">presented</a> increasingly extremist and sensational views intended to dominate the news cycle and social media.</p> <p>In many ways, the “no” campaign has followed patterns of right-wing campaigning from overseas, which is intended to destabilise the social relations, trust and confidence we have in one another and seed division.</p> <p>Consider the Brexit debate in the UK, and or US Capitol insurrection and claims of a stolen election by former President Donald Trump. Each provided a platform for people to express white nationalist sentiments and their deep distrust in the institutions of democratic government.</p> <p>The “no” campaign’s tactics have also sought to <a href="https://epress.lib.uts.edu.au/journals/index.php/mcs/article/view/8813">link</a> a host of disparate themes to the referendum, from climate change denial to anti-vaccination beliefs. The common theme is grievance against the perceived extension of the distrusted government into people’s lives. Disinformation has played a key role.</p> <p>Other concerns have also been publicly raised about the Voice, such as that it would be a risk to <a href="https://theconversation.com/no-the-voice-to-parliament-would-not-force-people-to-give-up-their-private-land-212784">people’s private land</a>. These concerns are sincerely feared, but totally unfounded.</p> <h2>Difficulties confronting our history</h2> <p>What sits beneath this right-wing rhetoric in Australia is the highly charged debate over the nation’s past and its future.</p> <p>Contesting views about Australia’s history should not come as a surprise. Since historians became more interested in the telling of Australian history “from the other side” and writing First Peoples back into the nation’s story, it has been met with an equal measure of resistance and shock.</p> <p>The ongoing difficulty of “coming to terms” with colonial histories can be attributed to a number of things:</p> <ul> <li> <p>historical amnesia, disbelief or cultural differences over what counts as historical knowledge</p> </li> <li> <p>the strategic use of “forgetting” to protect a social group’s self-image</p> </li> <li> <p>and the belief that engaging in these difficult histories is somebody else’s responsibility rather than our own.</p> </li> </ul> <p>The Voice Referendum and Uluru Statement introduce a new nationalism underpinned by a different origin story: the process of a settlement between First Nations and non-Indigenous Australians with a recognition of how our continent’s much deeper history can be a gift, or inheritance, to all Australians.</p> <p>In this vision for the future, the worlds of Aboriginal and Torres Strait Islanders narrate the story of the country over much longer timeframes through an entirely different archive and knowledge system.</p> <p>The idea of inheritance of a much deeper and longer history of country is less concerned with colonial settler-Indigenous relations. Rather, it is a transformed sense of history that extends over thousands of generations and speaks to place.</p> <h2>Playing a role in the future of the nation</h2> <p>The aim of the Voice is to strengthen democracy by meaningfully engaging with those who have the knowledge and expertise, in local conditions and contexts, to improve government decisions in Indigenous policy and programs.</p> <p>The Voice proposal eschews a rights framework in favour of <a href="https://www.mup.com.au/books/its-our-country-paperback-softback">providing</a></p> <blockquote> <p>the impetus for a profound paradigmatic shift between Indigenous peoples and the state. While this “power of influence” on one hand seeks to improve policy and programs and services on the ground, it also seeks to shape a new and meaningful relationship between Indigenous Peoples and political institutions.</p> </blockquote> <p>There is a legitimate and important role for government to play in First Peoples’ lives, but this role can be improved by greater participation and local-level input in the design and implementation of policy and programs.</p> <p>For too long, First Peoples have experienced the worst excesses of government and its various instruments – namely the police and judiciary. There’s a reason why many people hold a deep and abiding fear and suspicion of government. It has been responsible for many traumas:</p> <ul> <li> <p>the brutal dislodging of kinship connections</p> </li> <li> <p>the taking of land without any legal basis or compensation</p> </li> <li> <p>the violent dispersal of people from their land, which has rendered many destitute and without means to care for their families</p> </li> <li> <p>the removal of people’s children, denial of basic services and assistance, and management of people’s lives by a cruel and underfunded protection board</p> </li> <li> <p>the <a href="https://www.monash.edu/law/research/centres/castancentre/our-areas-of-work/indigenous/the-northern-territory-intervention/the-northern-territory-intervention-an-evaluation/what-is-the-northern-territory-intervention">empowering</a> of police and military to seize people’s community assets.</p> </li> </ul> <p>And yet, the Voice referendum, supported by the overwhelming majority of First Peoples, seeks to improve the relationship with governments to achieve greater efficiency and effectiveness of policies intended to improve lives.</p> <p>At one Sydney “yes” rally, we walked from Redfern Park along Cleveland Street to Victoria Park. It was a massive turnout that far exceeded expectations. The mood was serious, yet joyous. People came from all over Sydney and brought their place with them – the crew from “The Shire” got a big cheer from the crowd.</p> <p>This gathering was not looking for division, but rather a heart-filled yearning to come together as a community of people and play a role in the future of a nation that’s accepting of the fact it’s our country, too.<!-- Below is The Conversation's page counter tag. Please DO NOT REMOVE. --><img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/215152/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /><!-- End of code. If you don't see any code above, please get new code from the Advanced tab after you click the republish button. The page counter does not collect any personal data. More info: https://theconversation.com/republishing-guidelines --></p> <p><em><a href="https://theconversation.com/profiles/heidi-norman-859">Heidi Norman</a>, Professor, Faculty of Arts and Social Sciences, <a href="https://theconversation.com/institutions/university-of-technology-sydney-936">University of Technology Sydney</a></em></p> <p><em>Image credits: Central Land Council - PR Image</em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/coming-to-terms-with-the-past-is-more-important-than-ever-the-voice-referendum-is-a-vital-first-step-215152">original article</a>.</em></p>

Caring

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Forcing people to repay welfare ‘loans’ traps them in a poverty cycle – where is the policy debate about that?

<p><em><a href="https://theconversation.com/profiles/hanna-wilberg-1466649">Hanna Wilberg</a>, <a href="https://theconversation.com/institutions/university-of-auckland-1305">University of Auckland</a></em></p> <p>The National Party’s <a href="https://www.1news.co.nz/2023/09/26/more-sanctions-for-unemployed-beneficiaries-under-national/">pledge to apply sanctions</a> to unemployed people receiving a welfare payment, if they are “persistently” failing to meet the criteria for receiving the benefit, has attracted plenty of comment and <a href="https://www.1news.co.nz/2023/09/26/nationals-benefit-sanctions-plan-cruel-dehumanising-greens/">criticism</a>.</p> <p>Less talked about has been the party’s promise to index benefits to inflation to keep pace with the cost of living. This might at least provide some relief to those struggling to make ends meet on welfare, though is not clear how much difference it would make to the current system of indexing benefits to wages.</p> <p>In any case, this alone it is unlikely to break the cycle of poverty many find themselves in.</p> <p>One of the major drivers of this is the way the welfare system pushes some of the most vulnerable people into debt with loans for things such as school uniforms, power bills and car repairs.</p> <p>The government provides one-off grants to cover benefit shortfalls. But most of these grants are essentially loans.</p> <p>People receiving benefits are required to repay the government through weekly deductions from their normal benefits – which leaves them with even less money to survive on each week.</p> <p>With <a href="https://www.stuff.co.nz/pou-tiaki/132980318/auckland-mother-serves-up-cereal-for-dinner-due-to-rising-food-costs">rising costs</a>, the situation is only getting worse for many of the 351,756 New Zealanders <a href="https://figure.nz/chart/TtiUrpceJruy058e-ITw010dHsM6bvA2a">accessing one of the main benefits</a>.</p> <h2>Our whittled down welfare state</h2> <p>Broadly, there are three levels of government benefits in our current system.</p> <p>The main benefits (such as jobseeker, sole parent and supported living payment) <a href="https://www.workandincome.govt.nz/products/benefit-rates/benefit-rates-april-2023.html">pay a fixed weekly amount</a>. The jobseeker benefit rate is set at NZ$337.74 and sole parents receive $472.79 a week.</p> <p>Those on benefits have access to a second level of benefits – weekly supplementary benefits such as an <a href="https://www.workandincome.govt.nz/products/a-z-benefits/accommodation-supplement.html">accommodation supplement</a> and other allowances or tax credits.</p> <p>The third level of support is one-off discretionary payments for specific essential needs.</p> <p>Those on benefits cannot realistically make ends meet without repeated use of these one-off payments, unless they use assistance from elsewhere – such as family, charity or borrowing from loan sharks.</p> <p>This problem has been building for decades.</p> <h2>Benefits have been too low for too long</h2> <p>In the 1970s, the <a href="https://mro.massey.ac.nz/handle/10179/12967">Royal Commission on Social Security</a> declared the system should provide “a standard of living consistent with human dignity and approaching that enjoyed by the majority”.</p> <p>But Ruth Richardson’s “<a href="https://www.stuff.co.nz/the-press/christchurch-life/124978983/1991-the-mother-of-all-budgets">mother of all budgets</a>” in 1991 slashed benefits. Rates never recovered and today’s <a href="https://www.1news.co.nz/2022/03/29/benefit-increases-will-still-leave-families-locked-in-poverty/">benefits are not enough to live on</a>.</p> <p>In 2018, the <a href="https://www.weag.govt.nz/">Welfare Expert Advisory Group</a> looked at how much money households need in two lifestyle scenarios: bare essentials and a minimum level of participation in the community, such as playing a sport and taking public transport.</p> <p>The main benefits plus supplementary allowances did not meet the cost of the bare essentials, let alone minimal participation.</p> <p>The Labour government has since <a href="https://www.beehive.govt.nz/release/government-delivers-income-increases-over-14-million-new-zealanders">increased benefit rates</a>, meaning they are now slightly above those recommended by the advisory group. But those recommendations were made in 2019 and don’t take into account the <a href="https://www.stats.govt.nz/news/annual-inflation-at-6-0-percent">sharp rise in inflation</a> since then.</p> <p>Advocacy group <a href="https://fairerfuture.org.nz/">Fairer Future</a> published an updated assessment in 2022 – nine out of 13 types of households still can’t meet their core costs with the current benefit rates.</p> <h2>How ‘advances’ create debt traps</h2> <p>When they don’t have money for an essential need, people on benefits can receive a “special needs grant”, which doesn’t have to be repaid. But in practice, Work and Income virtually never makes this type of grant for anything except food and some other specific items, such as some health travel costs or emergency dental treatment.</p> <p>For <a href="https://www.1news.co.nz/2023/02/27/very-stressful-beneficiary-says-he-cant-afford-msd-debt/">all other essential needs</a> – such as school uniforms, car repairs, replacing essential appliances, overdue rent, power bills and tenancy bonds – a one-off payment called an “advance” is used. Advances are loans and have to be paid back.</p> <p>There are several issues with these types of loans.</p> <p>First, people on benefits are racking up thousands of dollars worth of debts to cover their essential needs. It serves to trap them in financial difficulties for the foreseeable future.</p> <p>As long as they remain on benefits or low incomes, it’s difficult to repay these debts. And the <a href="https://www.legislation.govt.nz/act/public/2018/0032/latest/whole.html">Social Security Act 2018</a> doesn’t allow the Ministry of Social Development (MSD) to waive debts.</p> <h2>Contradictory policies</h2> <p>Another problem is that people on benefits have to start repaying their debt straight away, with weekly deductions coming out of their already limited benefit.</p> <p>Each new advance results in a further weekly deduction. Often these add up to $50 a week or more. MSD policy says repayments should not add up to more than $40 a week, but that is often ignored.</p> <p>This happens because the law stipulates that each individual debt should be repaid in no more than two years, unless there are exceptional circumstances. Paying this debt off in two years often requires total deductions to be much higher than $40.</p> <p>The third issue is that one-off payments can be refused regardless of the need. That is because there are two provisions pulling in opposite directions.</p> <p>On the one hand the law says a payment should be made if not making it would cause serious hardship. But on the other hand, the law also says payments should not be made if the person already has too much debt.</p> <p>People receiving benefits and their case managers face the choice between more debt and higher repayments, or failing to meet an essential need.</p> <h2>Ways to start easing the burden</h2> <p>So what is the fix? A great deal could be achieved by just changing the policies and practices followed by Work and Income.</p> <p>Case managers have the discretion to make non-recoverable grants for non-food essential needs. These could and should be used when someone has an essential need, particularly when they already have significant debt.</p> <p>Weekly deductions for debts could also be automatically made very low.</p> <p>When it comes to changing the law, the best solution would be to make weekly benefit rates adequate to live on.</p> <p>The government could also make these benefit debts similar to student loans, with no repayments required until the person is off the benefit and their income is above a certain threshold.</p> <p>However we do it, surely it must be time to do something to fix this poverty trap.<!-- Below is The Conversation's page counter tag. Please DO NOT REMOVE. --><img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/212528/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /><!-- End of code. If you don't see any code above, please get new code from the Advanced tab after you click the republish button. The page counter does not collect any personal data. More info: https://theconversation.com/republishing-guidelines --></p> <p><a href="https://theconversation.com/profiles/hanna-wilberg-1466649"><em>Hanna Wilberg</em></a><em>, Associate professor - Law, <a href="https://theconversation.com/institutions/university-of-auckland-1305">University of Auckland</a></em></p> <p><em>Image credits: Getty Images </em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/forcing-people-to-repay-welfare-loans-traps-them-in-a-poverty-cycle-where-is-the-policy-debate-about-that-212528">original article</a>.</em></p>

Money & Banking

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These 12 common terms started life as a real-person’s name

<p><strong>Oscar</strong></p> <p>And the Academy Award for the ‘Golden Statuette’s Eponym’ is … a mystery! But, there are a few theories circulating. Actress Bette Davis supposedly claimed that the statue’s backside bore a striking resemblance to her husband Harmon Oscar Nelson.</p> <p>While Sidney Skolsky, a columnist, gives himself the title of ‘eponym creator’ because he thought the nickname negated pretension from the esteemed award. And the Academy’s librarian Margaret Herrick reportedly declared that the statuette reminded her of her uncle, Oscar Pierce. We may never know its true origins.</p> <p><strong>Shirley Temple</strong></p> <p>Your favourite childhood mocktail was definitely named after none other than the curly-haired child star, Shirley Temple. The story goes that the wait staff at a Hollywood restaurant overheard the little girl whining when her parents wouldn’t give her a sip of their old-fashioned cocktails.</p> <p>A member of the staff mixed up a kid-friendly version made with a splash of grenadine, a cup of ginger ale, and garnished it with a signature maraschino cherry to emulate the old-fashioned cocktails her parents drank. One sip of the sweet, fizzy drink was all it took to quiet her cries.</p> <p><strong>Boycott</strong></p> <p>During the 1870s, history began to repeat itself as another agricultural crisis wreaked havoc in Ireland. The crisis threatened to recreate the horrific famine and mass evictions that occurred a mere thirty years prior. In an effort to campaign against rent increases and evictions by landlords, the Irish farmers banded together to form the Irish Land League.</p> <p>The group targeted one apathetic English land agent, in particular, Charles Cunningham Boycott, a man responsible for kicking out tenant farmers who refused to pay their rents. Boycott’s angered laborers and servants quit, his crops rotted to the ground, and the word ‘boycott’ defined as ‘refusing to deal with a country, organisation, or person to protest or punish them’ was named after him. In a way, karma got him good.</p> <p><strong>Dunce</strong></p> <p>No one wants to be crowned the dunce of the group, in other words, the dumb, dopey one. But there was a time when being called a dunce was the greatest form of flattery. Long ago, everyone wanted to think just like John Duns Scotus, the greatest medieval philosopher of his time. In fact, his followers referred to themselves as ‘dunsmen.’</p> <p>Unfortunately, Scotus’ beliefs faded with the times and soon people criticised his convictions as being antiquated and dumb. Thus, ‘dunsman’ was shortened to “duns” – no longer a term for a great thinker, but instead a slow-witted person.</p> <p><strong>Bloomers</strong></p> <p>The women’s rights activist, Amelia Bloomer, helped popularise the bloomer craze, despite the fact that other progressive women wore them much earlier than she did. As part of a women’s dress-reform movement, Bloomer started wearing loose-fitting blouses and short skirts with long pantaloons underneath to protest the heavy petticoats and bone-crushing corsets that women were forced to wear in the 1850s.</p> <p>Many people ridiculed her outlandish outfit that went against every gender norm. She lashed back at her critics in an article she wrote for a women’s rights newspaper that said, “Let men be compelled to wear our dress for a while, and we should soon hear them advocating for change.” Soon after the article’s publication, everyone called the pantaloons ‘bloomers’ – a new symbol for women’s rights.</p> <p><strong>Cardigan</strong></p> <p>Your favourite winter knit-wear wasn’t named after a seamstress or fashion designer. In fact, you can thank British general, James Brudenell, the 7th Earl of Cardigan, for reportedly popularising the timeless fashion item. During the Crimean War in 1854, Cardigan’s regiment donned wool knit waistcoats, which were later called cardigans, to keep them warm on the battlefields of the Crimean Peninsula.</p> <p>No one is sure why cardigans were named after a man who didn’t invent the article of clothing. But some people theorise that his highbrow tastes for elegance and extravagance amongst his troop’s uniforms helped cardigans gain traction as a fashion statement well after the war.</p> <p><strong>Saxophone</strong></p> <p>This object was actually named after its inventor, Adolphe Sax. The Belgian-French instrument maker wanted to combine the best of brass, woodwind and stringed instruments into one masterpiece. By 1841, he had created his first working model of the bass horn, the saxophone’s former name.</p> <p>But a French reporter had a much ‘saxier’ name for the instrument and dubbed it the saxophone. Sax patented the saxophone in 1846 and the name has stuck ever since!</p> <p><strong>Sideburns</strong></p> <p>Sideburns were all the rage in the American Civil War well before Elvis Presley was even born. The popular male hair trend of bushy whiskers on the cheeks was originally called burnsides after the Union Army General Ambrose E. Burnside.</p> <p>His wildly different facial hair first caught people’s attention during a parade in Washington DC as he led his regiment of Rhode Island volunteers. By the 1880s, the name was switched to sideburns.</p> <p><strong>Silhouette</strong></p> <p>Before there were selfies, painted or paper cut-out silhouettes were the most affordable portraits that adorned people’s homes during the 18th century. Many people loved their silhouette selfies, but the man for who they were named after was anything but loved.</p> <p>France’s finance minister at the time, Étienne de Silhouette, had a reputation for being a frugal French man and was often seen making the cut-paper shadow portraits, himself, in his free time. Because of his cheap ways and favourite hobby, the French phrase “à la Silhouette” came to mean ‘on the cheap’ and the shadow portraits were named after Silhouette to poke fun at him as well.</p> <p><strong>Sandwich</strong></p> <p>John Montagu, the Earl of Sandwich who lived from 1718 to 1792, may have created the classic lunch staple. It was no secret in town that Montagu’s vice was gambling.</p> <p>Legend has it that the gambler once spent an entire 24 hours at the gambling table eating nothing but slices of cold beef wedged between two pieces of toast. And if the story bears any truth, it’s how the sandwich was invented.</p> <p><strong>Casanova</strong></p> <p>You may have dated a casanova or two in your life. Giacomo Girolamo Casanova inspired the well-known term for a promiscuous male. The Italian adventurer and author wrote a memoir that bragged about his many ‘conquests’ along his travels.</p> <p><strong>Dahlia</strong></p> <p>The vibrant flower with colourful hues from Mexico was named after Anders Dahl, an 18th-century Swedish botanist. Dahl must have been a highly admired plant expert of his time because many botanists have been credited for bestowing his name upon the flower.</p> <p><em>Image credits: Getty Images</em></p> <p><em>This article originally appeared on <a href="https://www.readersdigest.com.au/culture/12-common-words-that-were-inspired-by-real-life-people?pages=1" target="_blank" rel="noopener">Reader's Digest</a>. </em></p>

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What is ‘reverse racism’ – and what’s wrong with the term?

<p><a href="https://theconversation.com/profiles/mario-peucker-192086">Mario Peucker</a>, <em><a href="https://theconversation.com/institutions/victoria-university-1175">Victoria University</a></em></p> <p>“Reverse racism” is sometimes used to describe situations where white people believe they are negatively stereotyped or discriminated against because of their whiteness – or treated less favourably than people of colour.</p> <p>“Reverse racism” claims have surfaced in the current debate around the <a href="https://theconversation.com/10-questions-about-the-voice-to-parliament-answered-by-the-experts-207014">Voice to Parliament</a> referendum. “The concept looks racist to me,” <a href="https://www.skynews.com.au/opinion/building-a-voice-to-parliament-into-our-constitution-would-divide-us-along-racial-lines-and-do-nothing-to-change-the-past/news-story/794a86f16d664e6a4ebfbed589b27a01">wrote Sky News commentator Kel Richards</a> last August.</p> <p>Such views misrepresent the Voice as preferential treatment of First Nations peoples, falsely suggesting it would somehow weaken the political say of non-Indigenous Australians.</p> <p>Complaints of reverse racism can be found in the community more generally, too. “I think average, working-class, white Australian males have it the hardest out of anyone in society,” said one 23-year-old man in a <a href="https://www.mdpi.com/2673-995X/3/1/19">2023 study</a> of Australian men, “we are the victims of reverse racism”.</p> <p>“Reverse racism” is an idea that focuses on prejudiced attitudes towards a certain (racialised) group, or unequal personal treatment – namely, discrimination. But it ignores one of racism’s central markers: power.</p> <p>“Prejudice plus (institutional) power” is the widely accepted basic definition of racism. Or, as <a href="https://psycnet.apa.org/record/1998-07453-002">two researchers defined it</a> in 1988: “Racism equals power plus prejudice.”</p> <p>In a <a href="https://www.theguardian.com/stage/2014/jun/04/aamer-rahman-reverse-racism-comedy-tour">famous 2013 sketch</a>, comedian Ahmer Rahman said, yes, reverse racism is possible … if you go back in a time machine and convince the leaders of Africa, Asia and the Middle East to invade and dominate Europe hundreds of years ago, leading to systemic inequality across every facet of social and economic life, “so all their descendants would want to migrate [to] where black and brown people come from”.</p> <p>Put simply, the concept of “reverse racism” – or “anti-white racism” – just doesn’t work, because racism is more than just prejudice.</p> <figure><iframe src="https://www.youtube.com/embed/dw_mRaIHb-M?wmode=transparent&amp;start=0" width="440" height="260" frameborder="0" allowfullscreen="allowfullscreen"></iframe><figcaption><span class="caption">Comedian Ahmer Rahman unpacks ‘reverse racism’, and why making it real would need a time machine.</span></figcaption></figure> <h2>Why ‘reverse racism’ is a myth</h2> <p>Prejudice and discrimination are inherently tied to historically rooted and entrenched, institutionalised forms of systemic racism and racial hierarchies, injustices and power imbalance.</p> <p>The continuing lack of diverse representation in <a href="https://www.theguardian.com/australia-news/2022/jul/25/the-47th-parliament-is-the-most-diverse-ever-but-still-doesnt-reflect-australia">political</a>, social and economic positions of influence is just one of many indicators that we’re still a long way from living in a post-racial society.</p> <p>White people may be called a derogatory name with a reference to their whiteness. They may be discriminated against: for example, by an ethnic business owner who prefers to employ someone from their community background.</p> <p>This may sometimes be unlawful. At other times, it may be a lawful form of “positive action” or “affirmative action”, aimed at reducing historically entrenched, intergenerational and systemic inequalities.</p> <p>But in all these instances – and regardless of whether it’s lawful or not – the term racism, or “reverse racism”, would not apply.</p> <h2>How common are reverse racism claims?</h2> <p>A representative US survey, conducted by PEW in <a href="https://www.pewresearch.org/social-trends/2019/04/09/race-in-america-2019/">2019</a>, found that around 12% of respondents believed “being white hurts people’s ability to get ahead in the country nowadays”. Among white Republicans, the proportion was 22%. It was only 3% among white Democrats.</p> <p>A more recent US survey, in <a href="https://theconversation.com/poll-reveals-white-americans-see-an-increase-in-discrimination-against-other-white-people-and-less-against-other-racial-groups-185278">2022</a>, concluded that 30% of white respondents saw “a lot more discrimination against white Americans”.</p> <p>Representative data on these issues is lacking in Australia. But there is evidence a significant minority of Australians seem convinced anti-white racism is a thing.</p> <p>A 2018 <a href="https://opus.lib.uts.edu.au/bitstream/10453/128799/4/Reverse%20racism%20and%20white%20victimhood%20in%20Australia%20JIS%20March%202018%20clean.pdf">Australian survey</a> found that around 10% of respondents who stated they had witnessed racism as bystanders said the victim of the allegedly “racist” incident was a white person.</p> <p>Another recent (non-representative) <a href="https://periscopekasaustralia.com.au/papers/volume-10-2-2023/demarcating-australias-far-right-political-fringe-but-social-mainstream/">survey</a> of 335 Australian men in 2021 showed that one in three respondents agreed with the statement: “white people are the victims these days”.</p> <p>Australian senator <a href="https://theconversation.com/pauline-hanson-built-a-political-career-on-white-victimhood-and-brought-far-right-rhetoric-to-the-mainstream-134661">Pauline Hanson</a> has been complaining about “reverse racism” since her maiden speech to parliament in 1996, when she described “the privileges Aboriginals enjoy over other Australians”. <a href="https://www.smh.com.au/politics/federal/pauline-hansons-1996-maiden-speech-to-parliament-full-transcript-20160915-grgjv3.html">She said</a>: "We now have a situation where a type of reverse racism is applied to mainstream Australians by those who promote political correctness […]"</p> <p>Gamilaraay man <a href="https://www.theguardian.com/australia-news/commentisfree/2020/mar/12/its-time-to-put-an-end-to-the-gaslighting-that-occurs-every-day-in-australia">Joshua Waters says</a> most First Nations Australians have heard this kind of sentiment, and statements like: “Uh, I’m not racist. You’re racist for calling me racist. Actually, that’s reverse racism!”</p> <p>But as he has argued, “To be called racist for identifying actual racist behaviours and rhetoric is not OK.”</p> <h2>Backlash against racial justice</h2> <p>“Reverse racism” sometimes reflects a naïve but profound lack of racial literacy. But more often, it’s a defensive backlash against societal reckoning with racial injustices, both past and present.</p> <p>And it’s often an expression of “<a href="https://libjournal.uncg.edu/ijcp/article/viewFile/249/116">white fragility</a>” in the face of an <a href="https://scanloninstitute.org.au/mapping-social-cohesion-2022">increasing awareness</a> of racism in Australia – as epitomised by Hanson’s political career.</p> <p>“Reverse racism” claims are often strategically adopted by right-wing populist political actors and far-right fringe movements, to garner support and recruit new sympathisers and members. This can manifest in political stunts such as the infamous “<a href="https://edition.cnn.com/2018/10/15/australia/pauline-hanson-white-australia-intl/index.html">ok to be white</a>” motion Hanson put to the Australian Senate in 2018, which claimed to condemn alleged “anti-white racism”.</p> <p>The phrase “it’s OK to be white” had <a href="https://www.abc.net.au/news/2018-10-17/origins-of-its-ok-to-be-white-slogan-supremacists-united-states/10385716">previously been used</a> by white supremacists in the US.</p> <p>Anti-white racism claims have also been expressed in more explicit, aggressive and extreme ways: as threats of “<a href="https://theconversation.com/how-believers-in-white-genocide-are-spreading-their-hate-filled-message-in-australia-106605">white genocide</a>”, a core neo-Nazi belief.</p> <p>In far-right extremist movements, in Australia and globally, these conspiratorial narratives are commonly used to mobilise – and in some cases, have become crucial drivers for – white supremacy terror attacks, like the 2019 Christchurch mosque shootings in New Zealand, which killed 51 people and injured 49.</p> <p>“Reverse racism” is a skewed, reductionist and ultimately inaccurate understanding of racism.<!-- Below is The Conversation's page counter tag. Please DO NOT REMOVE. --><img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/208009/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /><!-- End of code. If you don't see any code above, please get new code from the Advanced tab after you click the republish button. The page counter does not collect any personal data. More info: https://theconversation.com/republishing-guidelines --></p> <p><em><a href="https://theconversation.com/profiles/mario-peucker-192086">Mario Peucker</a>, Associate Professor and Principal Research Fellow, <a href="https://theconversation.com/institutions/victoria-university-1175">Victoria University</a></em></p> <p><em>Image credits: Getty Images</em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/what-is-reverse-racism-and-whats-wrong-with-the-term-208009">original article</a>.</em></p>

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23-year-old bravely dies on her own terms

<p> A terminally ill young woman from Adelaide has ended her life under the state’s voluntary assisted dying laws.</p> <p>In a funeral notice published in the<em> Adelaide Advertiser</em>, the family of Lily Thai said she died at the Flinders Medical Centre on June 21.</p> <p>“Much loved daughter of Kate and Le. Beloved granddaughter, niece and cousin. Treasured friend to many,” the family wrote.</p> <p>The family have shared that her funeral will be held at Centennial Park Cemetery on June 29.</p> <p>She made the <a href="https://www.oversixty.com.au/health/caring/23-year-old-reveals-why-she-s-chosen-to-end-her-life" target="_blank" rel="noopener">heartbreaking decision</a> to take her own life after countless surgeries failed to improve her illness.</p> <p>Thai suffered from Ehlers Danlos Syndrome (EDS) – a genetic condition that left her completely bedridden and in constant pain.</p> <p>Her powerful story touched thousands nationwide before she passed away.</p> <p>Thai had long wished to take her own life with dignity after a battle with such a debilitating condition.</p> <p>“I decided that pain was so severe it wasn’t worth it, and I just wanted to take it into my own hands,” Thai told the Adelaide Advertiser.</p> <p>After her painful health battle, she spent her last days at the Flinders Medical Centre, where she said she mainly slept while in “excruciating pain”</p> <p>Thai had recently signed the paperwork to use South Australia’s voluntary assisted dying laws, which came into effect in January 2023, to end her life after being administered an IV medication.</p> <p><em>Image credit: The Advertiser / TikTok</em></p>

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What are the long-term effects of quitting social media? Almost nobody can log off long enough to find out

<p><a href="https://theconversation.com/profiles/john-malouff-313652">John Malouff</a>, <em><a href="https://theconversation.com/institutions/university-of-new-england-919">University of New England</a></em></p> <p>Being on social media has become synonymous with living in the 21st century. Year after year, we see new platforms and smarter algorithms roping us into highly addictive online worlds.</p> <p>Now, a growing number of people have noticed this trend and are actively making an effort to resist it.</p> <p>Anecdotally, a case can be made for quitting social media, and there are myriad reasons why someone might want to. But is there evidence that doing so is good for you in the long term?</p> <h2>Drivers for quitting</h2> <p>Although there are too many social media platforms to name, most people tend to think of the “big five”: Facebook, Twitter, Instagram, YouTube and TikTok.</p> <p>Research has found people have various reasons for quitting one or more of these apps. Many quit over concerns about negative impacts on their mental and physical health. For example, studies have shown adolescent girls in particular can experience negative body image as a result of viewing manipulated <a href="https://theconversation.com/we-have-all-heard-social-media-can-impact-womens-body-image-but-it-isnt-all-bad-205214">selfies on Instagram</a>.</p> <p>People also <a href="https://www.qscience.com/content/journals/10.5339/connect.2023.spt.3?crawler=true">choose to quit</a> due to disliking ads, feeling like they’re wasting time, or if they’re worried about their privacy. The question then is: does quitting social media resolve these concerns?</p> <h2>Mixed research outcomes</h2> <p>It’s difficult to determine whether there are clear and lasting benefits to quitting social media – and a look at the research explains why.</p> <p><a href="https://www.tandfonline.com/doi/full/10.1080/17459435.2020.1817140">One 2020 study</a> found people who had quit social media saw improvements in their close relationships, and were pleased to be free of comparison with others. But some also said they <a href="https://www.tandfonline.com/doi/full/10.1080/17459435.2020.1817140">missed</a> the informational and entertainment aspects of it.</p> <p>In a <a href="https://www.researchgate.net/publication/328838624_No_More_FOMO_Limiting_Social_Media_Decreases_Loneliness_and_Depression">2018 study</a>, researchers assessed the psychological state of 143 American undergraduates before randomly assigning one group a daily ten-minute limit for Facebook, Instagram and Snapchat, per platform. Three weeks later, those who limited their social media use showed significantly lower levels of loneliness and depression. However, there was no significant effect on anxiety, self-esteem or wellbeing.</p> <p>And in <a href="https://journals.plos.org/plosone/article?id=10.1371%2Fjournal.pone.0217743&amp;fbclid=IwAR1oLvPyeJDwMhD4WlODKU1A360ttIcaV_tManJs1_qEr-VAVZPsD0xQjq0">one 2019 study</a> with 78 participants, half were asked to take a one-week break from Facebook and Instagram. To the researchers’ surprise, the users in this group who were generally active on social media experienced <em>less</em> positive psychological effects than those in the control group.</p> <p>With research findings painting several different pictures, it’s safe to say our relationship with social media – and how it affects us – is very complex.</p> <h2>Research constraints</h2> <p>There appear to be no published studies that have assessed the long-term impacts of permanently quitting social media. This is probably because it’s difficult to find participants who will agree to be randomly assigned the task of dropping social media forever.</p> <p>One important consideration is that a percentage of individuals who quit social media will eventually <a href="https://cyberleninka.org/article/n/992039/viewer">go back</a>. Reasons for returning include feeling left out, fearing loss of connections, wanting to regain access to interesting or useful information, feeling social pressure to rejoin, or simply feeling that quitting wasn’t the right choice.</p> <p>Even if researchers do find a large enough group of people willing to quit social media for good, conducting long-term follow-ups would be highly resource-intensive. Beyond that, it would be difficult to figure out how much of a participant’s increase (or decrease) in life satisfaction is due to quitting social media, and not other factors.</p> <p>As such, there’s currently no evidence that quitting social media comes with concrete long-term benefits. And in the short term, results are mixed.</p> <h2>To quit, or not to quit?</h2> <p>However, that doesn’t mean quitting (for a short or long period) wouldn’t be beneficial for some people. It’s likely that any potential benefits will depend on the individual doing the quitting, and why they’re doing it.</p> <p>For instance, consensus that does emerge from the research is that <a href="https://theconversation.com/does-social-media-make-us-more-or-less-lonely-depends-on-how-you-use-it-128468">the <em>way</em> you use</a> social media plays a significant role in how negative or positive your experience is. By <a href="https://journals.sagepub.com/doi/pdf/10.1177/2056305120919105">using social media mindfully</a>, users can minimise potential harms while retaining the benefits.</p> <p>For some, it may only be one platform causing unease. If you strongly dislike Instagram’s tendency to be hyper-focused on people’s private lives, then you could simply stop using Instagram.</p> <p>Another technique is to curate your social media feeds by engaging only with content you find useful and positive. For instance, many young women take steps to avoid seeing <a href="https://theconversation.com/we-have-all-heard-social-media-can-impact-womens-body-image-but-it-isnt-all-bad-205214?fbclid=IwAR3cX7l116GAj0nnKDAk16x6GP6iRCxH_VutjIbxOiCij1yCqWmeOK0s0f0">perfect bodies all day</a> on their social media.</p> <p>If you’re still wondering whether quitting might be good for you, the simplest way to find out is to <a href="https://hbr.org/2018/10/i-ran-4-experiments-to-break-my-social-media-addiction-heres-what-worked">experiment</a> and do it.</p> <p>Take a break from one or more types of social media. After some time ask yourself whether the benefits seem worth it to you. If the answer is “yes”, make the break permanent.</p> <p><em><a href="https://theconversation.com/profiles/john-malouff-313652">John Malouff</a>, Associate Professor, School of Behavioural, Cognitive and Social Sciences, <a href="https://theconversation.com/institutions/university-of-new-england-919">University of New England</a></em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/what-are-the-long-term-effects-of-quitting-social-media-almost-nobody-can-log-off-long-enough-to-find-out-205478">original article</a>.</em></p> <p><em>Images: Getty</em></p>

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Calling drag queens ‘groomers’ and ‘pedophiles’ is the latest in a long history of weaponising those terms against the LGBTIQA community

<p><em><a href="https://theconversation.com/profiles/timothy-w-jones-11557">Timothy W. Jones</a>, <a href="https://theconversation.com/institutions/la-trobe-university-842">La Trobe University</a></em></p> <p>Drag queens around the world are currently being accused of “grooming children” through <a href="https://en.wikipedia.org/wiki/Drag_Queen_Story_Hour">drag storytime events</a>. These accusations curiously associate public book reading with child sex offending.</p> <p>We know from <a href="https://publishing.monash.edu/product/the-sexual-abuse-of-children/">decades of research and inquiries</a> the places that young people are most at risk of sexual victimisation are their home or an institution of care (such as a school, orphanage or church). The people that most often offend against children are family members and care providers.</p> <p>However, this recent panic about drag queens reading in public libraries is actually typical in the history of child sexual abuse. This history has involved repeated moral panics that distract from the alarming data regarding child sexual abuse in the home. Instead, these narratives locate the threat to children outside of the home - to gay men, “stranger danger” and even satanic ritual abuse - rather than confronting the situations and protecting children where they are most at risk.</p> <h2>Moral panic</h2> <p>In the 1970s, feminist attention to domestic violence, sexual assault and the patriarchy created the conditions that enabled the sexual assault of children in the home to be put in the spotlight.</p> <p>It wasn’t long, however, before attention was shifted elsewhere. In the 1980s, fears about a new form of abuse spread. <a href="https://theconversation.com/satanic-worship-sodomy-and-even-murder-how-stranger-things-revived-the-american-satanic-panic-of-the-80s-186292">Satanic ritual abuse</a> was thought to involve large numbers of victims and perpetrators, but was <a href="https://guilfordjournals.com/doi/pdf/10.1521/jscp.1997.16.2.112">“so cloaked in secrecy and involve such precise concealment of evidence that almost no one knew about it”</a>.</p> <p>Satanic ritual abuse captured headlines and people’s imaginations with tales of particularly painful, depraved and degrading practices. Research has shown that reports of abuse initially came from adults who “regained memories” of experiences of satanic abuse in their childhoods. Additional reports clustered in the periods after media attention on initial cases.</p> <p>The consensus in medical literature that emerged in the 1990s was there was a tendency of some individuals, especially clients of particular psychotherapists, to manufacture memories of abuse which never occurred. Corroborating evidence of abuse was not found, leading sceptics to account for these <a href="https://journals-sagepub-com.ez.library.latrobe.edu.au/doi/epdf/10.2466/pms.1994.78.3c.1376">“pseudomemories” through “misdiagnosis, and the misapplication of hypnosis, dreamwork, or regressive therapies”</a>.</p> <p>Subsequently, the <a href="https://www.routledge.com/Organised-Sexual-Abuse/Salter/p/book/9781138789159?gclid=CjwKCAjwjYKjBhB5EiwAiFdSflzGRpk-QL7yO8HrAOZbbtD-okQbGIOYC47WI3m-obre71DXVhs7_hoCfwcQAvD_BwE">satanic ritual abuse controversy</a> and “<a href="https://www.sciencedirect.com/science/article/abs/pii/S0924933816020824">false memory syndrome</a>” have been used to discredit hard-fought feminist recognition of the gravity of child sex offending</p> <h2>A deviant lifestyle</h2> <p>There is also a long history of using paedophilia and ideas about child grooming in homophobic and transphobic ways to oppose the recognition of the civil rights of LGBTIQA people.</p> <p>Campaigns to decriminalise homosexuality often struggled against attempts to impose unequal ages of consent in reform legislation. In 1967, for example, <a href="https://en.wikipedia.org/wiki/Sexual_Offences_Act_1967">homosexuality was decriminalised in England and Wales</a>, but men had to wait until they were 21 to legally consummate their love, five years longer than straight lovers.</p> <p>In Tasmania, <a href="https://books.google.com.au/books/about/The_Pink_Triangle.html?id=Wp6cPAAACAAJ&amp;redir_esc=y">the last Australian state to decriminalise sex between men</a> (in 1997), a heated public debate frequently raised issues of child protection. Letters to newspapers claimed that decriminalisation “would only open the floodgates and allow the very young to become prey to those who have chosen to lead this deviant lifestyle”.</p> <p>The idea was that young people are vulnerable to becoming homosexual and shouldn’t be allowed to consent to sexual activity until they were much older than their heterosexual peers.</p> <p>Sitting behind this notion of the vulnerability of young queer people is the <a href="https://www.apa.org/topics/lgbtq/orientation">false idea</a> that LGBTIQA status is a sign of moral failing, illness or perversion.</p> <p>Further, it perpetuates the myth that queerness or transness is somehow transmissible. This is the somewhat fantastical idea that everybody has the latent potential to become queer or trans, and all that is needed to convert is exposure to a queer or trans person.</p> <p>These fears have fuelled repressive legislation, such as the notorious <a href="https://www.theguardian.com/world/2018/mar/27/section-28-protesters-30-years-on-we-were-arrested-and-put-in-a-cell-up-by-big-ben">Section 28</a> in Prime Minister Margaret Thatcher’s Britain, <a href="https://www.reuters.com/graphics/UGANDA-LGBT/movakykrjva/">Ugandan</a> and <a href="https://en.wikipedia.org/wiki/Russian_gay_propaganda_law">Russian</a> laws banning the promotion of homosexuality, and the “<a href="https://www.hrw.org/news/2022/02/17/florida-advances-dont-say-gay-bill?gclid=Cj0KCQjwsIejBhDOARIsANYqkD1-IyOtYIl1WefomHHCyNZ0t88GRQTVciS7iJFoUslPSu4In5ayS3IaAqadEALw_wcB">don’t say gay</a>” laws in the United States.</p> <p>Ironically, these strange and harmful ideas are also behind the ineffective, discredited and dangerous attempts to change or suppress LGBTIQA people’s sexuality or gender identity.</p> <p>In these instances of so-called “conversion therapy”, it is <a href="https://www.ohchr.org/sites/default/files/Documents/Issues/SexualOrientation/IESOGI/Academics/Equality_Australia_LGBTconversiontherapyinAustraliav2.pdf">often religious conservatives</a> who <a href="https://www.latrobe.edu.au/__data/assets/pdf_file/0007/1201588/Healing-spiritual-harms-Supporting-recovery-from-LGBTQA-change-and-suppression-practices.pdf">“groom” young LGBTIQA people</a> in attempts to make them straight and cisgendered.</p> <p>Such change and suppression practices are now thankfully <a href="https://www.humanrights.vic.gov.au/change-or-suppression-practices/about-the-csp-act/#:%7E:text=Practices%20that%20seek%20to%20change,preventing%20and%20responding%20to%20them.">against the law</a> in many jurisdictions around the world.</p> <h2>A kinder and gentler future</h2> <p>Despite periodic moral panics, the history of gender and sexuality since 1970 tends towards a kinder, gentler future. People have generally become more accepting of LGBTIQA people’s human rights, and are more welcoming and celebrating of sexual and gender diversity.</p> <p>The pace of change has been fast, however, and some groups of people haven’t gotten used to contemporary community standards of acceptance, such as the move towards marriage equality around the world.</p> <p>Because of this history of growing acceptance, young people are feeling more comfortable and safer to explore their identities at younger ages. They are thus more visible than they used to be in the past.</p> <p>However, they’re also more vulnerable as they explore sensitive aspects of their inner selves at younger and potentially less resilient ages. <a href="https://link.springer.com/article/10.1007/s13178-021-00615-5">Research shows</a> the impacts that homophobic and transphobic messaging can have on young people, proving they need to be protected from this harmful rhetoric – not from drag queens.</p> <p>Drag storytime events are an age-appropriate way to celebrate diversity. They benefit all children – gay, straight, transgender and cisgender – with education about consent, human dignity, self determination and human rights.</p> <p>This <a href="https://www.tandfonline.com/doi/full/10.1080/14681811.2021.1978964">knowledge is one of the best protective factors</a> against child victimisation.<!-- Below is The Conversation's page counter tag. Please DO NOT REMOVE. --><img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/205648/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /><!-- End of code. If you don't see any code above, please get new code from the Advanced tab after you click the republish button. The page counter does not collect any personal data. More info: https://theconversation.com/republishing-guidelines --></p> <p><em><a href="https://theconversation.com/profiles/timothy-w-jones-11557">Timothy W. Jones</a>, Associate Professor in History, <a href="https://theconversation.com/institutions/la-trobe-university-842">La Trobe University</a></em></p> <p><em>Image credits: Shutterstock</em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/calling-drag-queens-groomers-and-pedophiles-is-the-latest-in-a-long-history-of-weaponising-those-terms-against-the-lgbtiqa-community-205648">original article</a>.</em></p>

Caring

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9 medical reasons your short-term memory is getting worse

<p><strong>What is short-term memory?</strong></p> <p>Short-term memory is the type of memory you need to accomplish your immediate goals, explains Dr Patrick Lyden, chair of the department of neurology at Cedars-Sinai Hospital. That may be working your way through tasks during the workday, remembering someone’s name, email, or phone number, or recalling where you tossed your keys when you got home.</p> <p><strong>Where is it located in the brain?</strong></p> <p>When someone rattles off their phone number, you file it away in brain circuits that include the hippocampus (your memory centre) and the amygdala (your emotional hub). Depending on how important the short-term memory item may be (your address, someone you call all the time), it can be converted into long-term memory, says Dr Lyden.</p> <p><strong>How does short-term memory work?</strong></p> <p>Short-term memory isn’t just about being able to quickly recall new info; there are three phases. “You have to register the information, store the information, and retrieve the information,” says Dr Lyden. Registering means that you’re paying attention in the first place. Storing the info means you’ve filed it away in your brain. Retrieval is the ability to access the memory again. Any of these steps can break down, he says.</p> <p><strong>Is your memory okay?</strong></p> <p>Many people assume they have a memory problem when the explanation is something else entirely, says Dr Lyden. Maybe you’re not paying attention because you’re gazing at your phone or texting, for example. The first step to figuring out if something is going on is to “pay closer attention,” he says. Repeat the new information three times to commit it to memory.</p> <p><strong>When it may be time to worry</strong></p> <p>If you can’t pass the “pay attention test” despite repeating the information, your next step, advises Dr Lyden, is to determine if your problem is storing new memories or retrieving them. If you’re having a problem remembering a new acquaintance’s name, ask them to give you three choices – like Carrie, Lauren, or Janet. If your problem is storing new memories, you won’t be able to remember. But if your problem is retrieval, you’ll remember that her name is Janet once you hear the correct name.</p> <p>Having trouble with retrieving a short-term memory isn’t as serious as being unable to store them. “The storage problem is a serious problem, and you should see a neurologist,” he says.</p> <p><strong>Inactivity</strong></p> <p>Blood flow is good for your brain – it keeps it young. “Exercising boosts blood flow to your brain. If you stay active, you’ll have a better memory,” says Dr Daniel G. Amen, author of <em>Memory Rescue: Supercharge Your Brain, Reverse Memory Loss, and Remember What Matters Most</em>. Dr Lyden suggests daily exercise and it doesn’t have to be intense. “A one-kilometre run daily is better than a 10-kilometre run one day a week,” he says.</p> <p><strong>Substance abuse</strong></p> <p>According to Dr Amen, marijuana a toxin that impairs memory. “Marijuana lowers every area of the brain and ages it. On average, pot smokers have brains three years older than non-smokers,” he says. Alcohol abuse can also harm your memory.</p> <p><strong>Mental health conditions</strong></p> <p>People tend to miss their own depression. But if you’re suffering from depression, anxiety, or chronic stress, get help or your memory can also pay the price. “These conditions may all hurt the brain,” says Dr Amen. Getting relief will not only improve your life and outlook but save your brain.</p> <p><strong>Lack of sleep</strong></p> <p>When considering short-term memory loss causes, poor sleep is a big one. “If you don’t sleep seven hours a night or more, you’ll be in trouble. Your brain cleans itself at night. When you don’t get enough, it’s like the garbage collectors didn’t come to clean up,” says Dr Amen.</p> <p><strong>Dementia</strong></p> <p>Before you panic, there’s some good news: “The vast majority of people who are healthy will not have a degenerative neurological condition causing short-term memory loss,” says Dr Lyden. But dementia or Alzheimer’s is a possibility in some groups. If you’re over 60 and have risk factors like diabetes, high blood pressure, or obesity, then you may be more prone to problems and need to be evaluated, he says.</p> <p><strong>Medication</strong></p> <p>If you lead a healthy lifestyle, eat right, exercise, and go easy on alcohol and other substances that can harm memory, yet you still feel like your memory if failing, talk to your doctor about your medications – prescription and over-the-counter, advises Dr Lyden. Cholesterol drugs, painkillers, high blood pressure pills, and sleeping pills are among the drugs that can trigger memory issues.</p> <p><strong>Hypothyroidism</strong></p> <p>When you have an under-active thyroid, everything in your body runs slower. Your digestion will slow and you can become constipated; cell growth slows and can lead to hair loss; your metabolism becomes sluggish, triggering weight gain. And you may be plagued by muddied thinking or forgetfulness. Often, medication to restore thyroid hormones can help alleviate symptoms and help you feel better all over.</p> <p><strong>A poor diet</strong></p> <p>Inflammation is bad for your body and your brain. “The higher the inflammation levels in your body, the worse your memory will be,” says Dr Amen. Eating an anti-inflammatory diet, like the Mediterranean diet, and avoiding foods that increase it (highly processed foods, loads of sugar) is key. He also recommends taking fish oil and probiotics.</p> <p><strong>Lyme disease</strong></p> <p>Lyme disease is transmitted through a tick bite, and causes early symptoms like fever, chills, headache, and fatigue, according to the Centers for Disease Control and Prevention (CDC). Later on, without treatment, some people also may notice short-term memory problems. Dr Amen points out this may include trouble with attention, focus, and organisation. Keep in mind that the types of tick that carry the bacteria are not native to Australia and it’s not likely you can catch Lyme disease in Australia.</p> <p><strong>When to seek help</strong></p> <p>Along with the self-test mentioned earlier, think about how you perceive your short-term memory. Ask yourself: Is it getting progressively worse? Is it worse than 10 years ago? Are other people noticing a problem? “Those are things you should take seriously,” says Dr Amen.</p> <p><em>Image credits: Getty Images</em></p> <p><em>This article originally appeared on <a href="https://www.readersdigest.com.au/healthsmart/9-medical-reasons-your-short-term-memory-is-getting-worse-2?pages=1" target="_blank" rel="noopener">Reader's Digest</a>. </em></p>

Mind

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AI to Z: all the terms you need to know to keep up in the AI hype age

<p>Artificial intelligence (AI) is becoming ever more prevalent in our lives. It’s no longer confined to certain industries or research institutions; AI is now for everyone.</p> <p>It’s hard to dodge the deluge of AI content being produced, and harder yet to make sense of the many terms being thrown around. But we can’t have conversations about AI without understanding the concepts behind it.</p> <p>We’ve compiled a glossary of terms we think everyone should know, if they want to keep up.</p> <h2>Algorithm</h2> <p><a href="https://theconversation.com/what-is-an-algorithm-how-computers-know-what-to-do-with-data-146665">An algorithm</a> is a set of instructions given to a computer to solve a problem or to perform calculations that transform data into useful information. </p> <h2>Alignment problem</h2> <p>The alignment problem refers to the discrepancy between our intended objectives for an AI system and the output it produces. A misaligned system can be advanced in performance, yet behave in a way that’s against human values. We saw an example of this <a href="https://www.theguardian.com/technology/2018/jan/12/google-racism-ban-gorilla-black-people">in 2015</a> when an image-recognition algorithm used by Google Photos was found auto-tagging pictures of black people as “gorillas”. </p> <h2>Artificial General Intelligence (AGI)</h2> <p><a href="https://theconversation.com/not-everything-we-call-ai-is-actually-artificial-intelligence-heres-what-you-need-to-know-196732">Artificial general intelligence</a> refers to a hypothetical point in the future where AI is expected to match (or surpass) the cognitive capabilities of humans. Most AI experts agree this will happen, but disagree on specific details such as when it will happen, and whether or not it will result in AI systems that are fully autonomous.</p> <h2>Artificial Neural Network (ANN)</h2> <p>Artificial neural networks are computer algorithms used within a branch of AI called <a href="https://aws.amazon.com/what-is/deep-learning/">deep learning</a>. They’re made up of layers of interconnected nodes in a way that mimics the <a href="https://www.ibm.com/topics/neural-networks">neural circuitry</a> of the human brain. </p> <h2>Big data</h2> <p>Big data refers to datasets that are much more massive and complex than traditional data. These datasets, which greatly exceed the storage capacity of household computers, have helped current AI models perform with high levels of accuracy.</p> <p>Big data can be characterised by four Vs: “volume” refers to the overall amount of data, “velocity” refers to how quickly the data grow, “veracity” refers to how complex the data are, and “variety” refers to the different formats the data come in.</p> <h2>Chinese Room</h2> <p>The <a href="https://ethics.org.au/thought-experiment-chinese-room-argument/">Chinese Room</a> thought experiment was first proposed by American philosopher John Searle in 1980. It argues a computer program, no matter how seemingly intelligent in its design, will never be conscious and will remain unable to truly understand its behaviour as a human does. </p> <p>This concept often comes up in conversations about AI tools such as ChatGPT, which seem to exhibit the traits of a self-aware entity – but are actually just presenting outputs based on predictions made by the underlying model.</p> <h2>Deep learning</h2> <p>Deep learning is a category within the machine-learning branch of AI. Deep-learning systems use advanced neural networks and can process large amounts of complex data to achieve higher accuracy.</p> <p>These systems perform well on relatively complex tasks and can even exhibit human-like intelligent behaviour.</p> <h2>Diffusion model</h2> <p>A diffusion model is an AI model that learns by adding random “noise” to a set of training data before removing it, and then assessing the differences. The objective is to learn about the underlying patterns or relationships in data that are not immediately obvious. </p> <p>These models are designed to self-correct as they encounter new data and are therefore particularly useful in situations where there is uncertainty, or if the problem is very complex.</p> <h2>Explainable AI</h2> <p>Explainable AI is an emerging, interdisciplinary field concerned with creating methods that will <a href="https://theconversation.com/how-explainable-artificial-intelligence-can-help-humans-innovate-151737">increase</a> users’ trust in the processes of AI systems. </p> <p>Due to the inherent complexity of certain AI models, their internal workings are often opaque, and we can’t say with certainty why they produce the outputs they do. Explainable AI aims to make these “black box” systems more transparent.</p> <h2>Generative AI</h2> <p>These are AI systems that generate new content – including text, image, audio and video content – in response to prompts. Popular examples include ChatGPT, DALL-E 2 and Midjourney. </p> <h2>Labelling</h2> <p>Data labelling is the process through which data points are categorised to help an AI model make sense of the data. This involves identifying data structures (such as image, text, audio or video) and adding labels (such as tags and classes) to the data.</p> <p>Humans do the labelling before machine learning begins. The labelled data are split into distinct datasets for training, validation and testing.</p> <p>The training set is fed to the system for learning. The validation set is used to verify whether the model is performing as expected and when parameter tuning and training can stop. The testing set is used to evaluate the finished model’s performance. </p> <h2>Large Language Model (LLM)</h2> <p>Large language models (LLM) are trained on massive quantities of unlabelled text. They analyse data, learn the patterns between words and can produce human-like responses. Some examples of AI systems that use large language models are OpenAI’s GPT series and Google’s BERT and LaMDA series.</p> <h2>Machine learning</h2> <p>Machine learning is a branch of AI that involves training AI systems to be able to analyse data, learn patterns and make predictions without specific human instruction.</p> <h2>Natural language processing (NLP)</h2> <p>While large language models are a specific type of AI model used for language-related tasks, natural language processing is the broader AI field that focuses on machines’ ability to learn, understand and produce human language.</p> <h2>Parameters</h2> <p>Parameters are the settings used to tune machine-learning models. You can think of them as the programmed weights and biases a model uses when making a prediction or performing a task.</p> <p>Since parameters determine how the model will process and analyse data, they also determine how it will perform. An example of a parameter is the number of neurons in a given layer of the neural network. Increasing the number of neurons will allow the neural network to tackle more complex tasks – but the trade-off will be higher computation time and costs. </p> <h2>Responsible AI</h2> <p>The responsible AI movement advocates for developing and deploying AI systems in a human-centred way.</p> <p>One aspect of this is to embed AI systems with rules that will have them adhere to ethical principles. This would (ideally) prevent them from producing outputs that are biased, discriminatory or could otherwise lead to harmful outcomes. </p> <h2>Sentiment analysis</h2> <p>Sentiment analysis is a technique in natural language processing used to identify and interpret the <a href="https://aws.amazon.com/what-is/sentiment-analysis/">emotions behind a text</a>. It captures implicit information such as, for example, the author’s tone and the extent of positive or negative expression.</p> <h2>Supervised learning</h2> <p>Supervised learning is a machine-learning approach in which labelled data are used to train an algorithm to make predictions. The algorithm learns to match the labelled input data to the correct output. After learning from a large number of examples, it can continue to make predictions when presented with new data.</p> <h2>Training data</h2> <p>Training data are the (usually labelled) data used to teach AI systems how to make predictions. The accuracy and representativeness of training data have a major impact on a model’s effectiveness.</p> <h2>Transformer</h2> <p>A transformer is a type of deep-learning model used primarily in natural language processing tasks.</p> <p>The transformer is designed to process sequential data, such as natural language text, and figure out how the different parts relate to one another. This can be compared to how a person reading a sentence pays attention to the order of the words to understand the meaning of the sentence as a whole. </p> <p>One example is the generative pre-trained transformer (GPT), which the ChatGPT chatbot runs on. The GPT model uses a transformer to learn from a large corpus of unlabelled text. </p> <h2>Turing Test</h2> <p>The Turing test is a machine intelligence concept first introduced by computer scientist Alan Turing in 1950.</p> <p>It’s framed as a way to determine whether a computer can exhibit human intelligence. In the test, computer and human outputs are compared by a human evaluator. If the outputs are deemed indistinguishable, the computer has passed the test.</p> <p>Google’s <a href="https://www.washingtonpost.com/technology/2022/06/17/google-ai-lamda-turing-test/">LaMDA</a> and OpenAI’s <a href="https://mpost.io/chatgpt-passes-the-turing-test/">ChatGPT</a> have been reported to have passed the Turing test – although <a href="https://www.thenewatlantis.com/publications/the-trouble-with-the-turing-test">critics say</a> the results reveal the limitations of using the test to compare computer and human intelligence.</p> <h2>Unsupervised learning</h2> <p>Unsupervised learning is a machine-learning approach in which algorithms are trained on unlabelled data. Without human intervention, the system explores patterns in the data, with the goal of discovering unidentified patterns that could be used for further analysis.</p> <p><em>Image credits: Getty Images</em></p> <p><em>This article originally appeared on <a href="https://theconversation.com/ai-to-z-all-the-terms-you-need-to-know-to-keep-up-in-the-ai-hype-age-203917" target="_blank" rel="noopener">The Conversation</a>. </em></p>

Technology

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Money guru's generous home loan offer for struggling Aussies

<p>Finance guru Mark Bouris has offered to help five homeowners pay off their mortgages amid continuously rising interest rates. </p> <p>A vocal critic of the Reserve Bank of Australia’s dramatic hiking of interest rates, Bouris is determined to help struggling Aussies get ahead. </p> <p>The executive chairman of Yellow Brick Road Home Loans is lending a helping hand to homeowners hit hard by massive increases in their month mortgage payments with a generous cash injection of $12,000.</p> <p>“All Australians deserve a fair go on their home loans and right now you’re not getting one,” Mr Bouris said on Today. </p> <p>“I know many Australians are doing it tough out there right now. Through no fault of their own, homeowners are having to manage skyrocketing mortgage repayments."</p> <blockquote class="instagram-media" style="background: #FFF; border: 0; border-radius: 3px; box-shadow: 0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width: 540px; min-width: 326px; padding: 0; width: calc(100% - 2px);" data-instgrm-permalink="https://www.instagram.com/reel/CpjyXECgnNr/?utm_source=ig_embed&amp;utm_campaign=loading" data-instgrm-version="14"> <div style="padding: 16px;"> <div style="display: flex; flex-direction: row; align-items: center;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 40px; margin-right: 14px; width: 40px;"> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 100px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 60px;"> </div> </div> </div> <div style="padding: 19% 0;"> </div> <div style="display: block; height: 50px; margin: 0 auto 12px; width: 50px;"> </div> <div style="padding-top: 8px;"> <div style="color: #3897f0; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: 550; line-height: 18px;">View this post on Instagram</div> </div> <div style="padding: 12.5% 0;"> </div> <div style="display: flex; flex-direction: row; margin-bottom: 14px; align-items: center;"> <div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(0px) translateY(7px);"> </div> <div style="background-color: #f4f4f4; height: 12.5px; transform: rotate(-45deg) translateX(3px) translateY(1px); width: 12.5px; flex-grow: 0; margin-right: 14px; margin-left: 2px;"> </div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(9px) translateY(-18px);"> </div> </div> <div style="margin-left: 8px;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 20px; width: 20px;"> </div> <div style="width: 0; height: 0; border-top: 2px solid transparent; border-left: 6px solid #f4f4f4; border-bottom: 2px solid transparent; transform: translateX(16px) translateY(-4px) rotate(30deg);"> </div> </div> <div style="margin-left: auto;"> <div style="width: 0px; border-top: 8px solid #F4F4F4; border-right: 8px solid transparent; transform: translateY(16px);"> </div> <div style="background-color: #f4f4f4; flex-grow: 0; height: 12px; width: 16px; transform: translateY(-4px);"> </div> <div style="width: 0; height: 0; border-top: 8px solid #F4F4F4; border-left: 8px solid transparent; transform: translateY(-4px) translateX(8px);"> </div> </div> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center; margin-bottom: 24px;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 224px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 144px;"> </div> </div> <p style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; line-height: 17px; margin-bottom: 0; margin-top: 8px; overflow: hidden; padding: 8px 0 7px; text-align: center; text-overflow: ellipsis; white-space: nowrap;"><a style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: normal; line-height: 17px; text-decoration: none;" href="https://www.instagram.com/reel/CpjyXECgnNr/?utm_source=ig_embed&amp;utm_campaign=loading" target="_blank" rel="noopener">A post shared by Yellow Brick Road (@ybrhomeloans)</a></p> </div> </blockquote> <p>“The Reserve Bank of Australia’s decision to increase the official cash rate for the past 10 consecutive meetings has left nearly 800,000 Australians at risk of mortgage default. At YBR Home Loans, we’re on a mission to hear the voices of those impacted most by this aggressive increase in interest rates."</p> <p>“We want to hear from you: your story, your struggles and particularly, if you’re worried about your ability to meet your mortgage repayments.”</p> <p>Mr Bouris and his team at YBR Home Loans will randomly select five lucky winners who are having trouble meeting their home loan repayments and give $12,000 to each winner “in order to help ease the strain of rapidly increasing interest rates”.</p> <p>“If you’re going to struggle to meet your mortgage repayments as you come off your fixed interest rate, or if you’re already struggling to meet your repayments, please fill out your details and outline your circumstances,” Mr Bouris said.</p> <p>Homeowners can write to Mr Bouris and Yellow Brick Road at <a href="https://ybr.com.au/fairgo" target="_blank" rel="noopener">ybr.com.au/fairgo</a> to be entered into the competition.</p> <p><em>Image credits: Instagram</em></p>

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What to do when your friend owes you a few

<p dir="ltr">We all want to do our bit to help our friends and family, and we’ve all heard that all too familiar “I’ll pay you back later”. But what do you do when later never seems to come around? </p> <p dir="ltr">According to a new report by finder, 1 in 4 Australians are waiting on a friend to pay them back. The numbers account for roughly 24% of the population, or 4.8 million people. Though the problem is by no means limited to the nation. </p> <p dir="ltr">The most common unpaid debts (all at 6%)  fall under the categories of gifts, bill splitting at a restaurant, and event tickets. Sharing ride services (Uber, taxis, etc.), travel expenses, and gambling activities are close behind - making up 5, 4, and 3% of the reasons for lax repayments respectively. </p> <p dir="ltr">"Our research reveals that millions of Aussies have borrowed money from their friends with no intention of paying them back,” Finder’s money expert Sarah Megginson said of their findings.</p> <p dir="ltr">"Not repaying money breaks trust and can put strain on the relationship, but it could also cause financial problems for the friend left shouldering the debt."</p> <p dir="ltr">There is, however, hope for those still clutching their receipts and waiting, with Megginson sharing some top tips to help people get back what they loaned out. </p> <p dir="ltr">"Your first port of call should be to ask your friend to repay the debt,” she said. “It can be a bit uncomfortable bringing up the topic of money but if you don't ask and then you're resentful, that can be more damaging to the friendship long-term.”</p> <p dir="ltr">She then explained how you may have to avoid paying for them in the future, and that re-setting boundaries with some of the people in your life would be of benefit to both parties, as well as having an honest conversation with them about it all. </p> <p dir="ltr">However, if the situation is more serious than a taxi ride or a friendly brunch, further action may be necessary, especially if a large amount of money is involved. </p> <p dir="ltr">"You can send a letter of demand, clearly outlining how much you are owed and asking that it be repaid within a certain time frame,” she suggested of the worst-case scenario, “otherwise legal action will be started.</p> <p dir="ltr">"If you receive no response you can lodge a claim with your state or territory's tribunal for resolving matters like this.”</p> <p dir="ltr">Megginson added that above else it is important to “exercise discretion” when loaning money, even to family and friends. Emergency funds, in particular, should not be touched by anyone but yourself, as every dollar counts in the midst of a cost of living crisis. </p> <p dir="ltr"><em>Images: Getty </em></p>

Money & Banking

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Explainer: why, exactly, is alcohol bad for us long-term?

<p>What, exactly, makes alcohol unhealthy?</p> <p>After a big night, the answer to this might seem obvious – or perhaps more disturbingly, not obvious at all. But even in moderation, alcohol carries longer-term health risks too.</p> <p>So what are they, and why do they happen? Cosmos investigates.</p> <h2>Why is alcohol bad for you long-term?</h2> <p>The biggest culprit is a substance called acetaldehyde.</p> <p>Alcohol – or strictly speaking, ethanol – doesn’t stay that way in the body for long. The body metabolises it and turns it into a few different compounds, mostly acetaldehyde.</p> <p>As well as causing a lot of the symptoms you’d experience during a hangover, like headaches, nausea, and facial flushing, acetaldehyde is a carcinogen.</p> <p>“Acetaldehyde is highly reactive and extremely toxic,” says Dr Leon Booth, a research fellow at the George Institute for Global Health in Sydney.</p> <p>“It binds to different proteins, or to DNA, and it can impair enzyme and cell functions.</p> <p>“Essentially, because it’s so reactive, it increases the risk of cell mutations and therefore increases the risk of a cancer developing.”</p> <p>Globally, around 4% of cancers can be attributed to alcohol. The Lancet estimates that in 2020, there were 741,300 new cancers around the world that came from alcohol consumption.</p> <p>“A lot of them are in the digestive tract, which kind of intuitively makes sense, because that’s where the alcohol is coming into contact with the body,” says Booth.</p> <p>“So there’s an increased risk of cancer in the throat, mouth, oesophagus, liver, in the colon and for females, quite an increased risk for breast cancer.”</p> <p>One study estimates that a bottle of wine per week is roughly the equivalent of smoking 10 cigarettes per week for women, or five cigarettes per week for men.</p> <p>Acetaldehyde doesn’t stay in your body forever: an enzyme called acetaldehyde dehydrogenase, or ALDH, turns it into largely harmless acetic acid, and then eventually on to carbon dioxide and water.</p> <p>But here’s where genetics can play a role in your susceptibility too: some people have a genetic mutation that makes their ALDH enzymes less effective.</p> <p>This gene is particularly common among people of East Asian descent, which is why some East Asian people flush red after only a small drink. Unfortunately, there’s evidence that people with this gene are also more susceptible to cancer.</p> <p>“In studies of Asian populations, they seem to have a much greater risk of getting cancer from alcohol,” says Booth.</p> <p>While cancer and acetaldehyde draw the most attention, alcohol can have other long-term effects too – like high blood pressure and increased risk of strokes.</p> <p>“If you drink heavily and consistently, you get scarring in the liver – cirrhosis, which is also linked to an increased risk of cancers in the liver,” says Booth.</p> <p>Alcohol can also interfere with hormones, causing poorer sleep or – once again – a higher risk of cancer.</p> <p>It’s also linked to mental health issues, like anxiety and depression, but Booth says this can be a “chicken-and-egg situation”.</p> <p>“There’s a lot of literature to suggest that people with mental health issues drink to help cope. But unfortunately, it tends to make things worse.”</p> <p>All in all, not a great wrap. Is there any good news?</p> <h2>Isn’t low or moderate drinking a little bit good for you?</h2> <p>We’ve all seen – and Cosmos has published – headlines about low and moderate drinkers (around 10 or fewer standard drinks per week) doing better in some health metrics, particularly heart disease.</p> <p>Does this really mean that regular low-moderate drinking might be better than not drinking at all?</p> <p>“Long story short, I think the jury’s probably still out on that one,” says Booth.</p> <p>The trick is that a lot of non-drinkers avoid alcohol for health reasons. This is called the “sick quitter” effect.</p> <p>If you develop a health condition, or discover you’re at an increased risk of something like heart disease, often one of the first things a doctor will recommend is that you stop drinking.</p> <p>“What that means is, sometimes when you do these big population studies, the people who don’t drink alcohol can look less healthy than the people who do drink alcohol,” says Booth.</p> <p>While many of these studies have tried to control for the sick quitter effect, and still produced some compelling evidence that low or moderate drinking helps, other studies have found the opposite.</p> <p>“My overall opinion would be that it’s just a bit too early to know, and to really understand that relationship,” says Booth.</p> <p>“And even in those studies, once you get beyond that moderate consumption, alcohol does seem to be really detrimental to cardiovascular health.”</p> <p>So, for now – other than the benefit you get from spending a night at the pub in good company – you probably can’t claim alcohol’s improving your health. We’re as sorry about this as you are.</p> <p><strong>This article originally appeared in <a href="https://cosmosmagazine.com/health/explainer-alcohol-health/" target="_blank" rel="noopener">cosmosmagazine.com</a> and was written by Ellen Phiddian.</strong></p> <p><em>Image: Shutterstock</em></p>

Body

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“When you win, bring it back to Malibu”: Sean Penn loans Oscar to Ukraine

<p dir="ltr">Actor Sean Penn has shown his support for Ukraine in its war with Russia by loaning one of his two Oscars to Ukrainian President Volodymyr Zelenskyy, telling him it could stay on one condition: “When you win, bring it back to Malibu”.</p> <p dir="ltr">A video of the encounter between Zelenskyy and Penn, who is making a documentary about the Russian invasion, was shared by Zelenskyy’s office online and described the gift as “a symbol of faith in the victory of our country”.</p> <p dir="ltr">“It will be in Ukraine until the end of the war.”</p> <p dir="ltr">During his most recent visit to Ukraine, Penn told Zelenskyy that every time he leaves he feels “like a traitor”.</p> <p dir="ltr">“But if I know this is here with you then I will feel better and stronger for the fights,” he said before presenting the leader with his award.</p> <p><span id="docs-internal-guid-8089cf48-7fff-1c78-0b94-e0072bc02a66"></span></p> <p dir="ltr">“When you win, bring it back to Malibu. Because I feel much better knowing there is a piece of me here.”</p> <blockquote class="instagram-media" style="background: #FFF; border: 0; border-radius: 3px; box-shadow: 0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width: 540px; min-width: 326px; padding: 0; width: calc(100% - 2px);" data-instgrm-captioned="" data-instgrm-permalink="https://www.instagram.com/reel/CktdU1RLvIQ/?utm_source=ig_embed&amp;utm_campaign=loading" data-instgrm-version="14"> <div style="padding: 16px;"> <div style="display: flex; flex-direction: row; align-items: center;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 40px; margin-right: 14px; width: 40px;"> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 100px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 60px;"> </div> </div> </div> <div style="padding: 19% 0;"> </div> <div style="display: block; height: 50px; margin: 0 auto 12px; width: 50px;"> </div> <div style="padding-top: 8px;"> <div style="color: #3897f0; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: 550; line-height: 18px;">View this post on Instagram</div> </div> <div style="padding: 12.5% 0;"> </div> <div style="display: flex; flex-direction: row; margin-bottom: 14px; align-items: center;"> <div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(0px) translateY(7px);"> </div> <div style="background-color: #f4f4f4; height: 12.5px; transform: rotate(-45deg) translateX(3px) translateY(1px); width: 12.5px; flex-grow: 0; margin-right: 14px; margin-left: 2px;"> </div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(9px) translateY(-18px);"> </div> </div> <div style="margin-left: 8px;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 20px; width: 20px;"> </div> <div style="width: 0; height: 0; border-top: 2px solid transparent; border-left: 6px solid #f4f4f4; border-bottom: 2px solid transparent; transform: translateX(16px) translateY(-4px) rotate(30deg);"> </div> </div> <div style="margin-left: auto;"> <div style="width: 0px; border-top: 8px solid #F4F4F4; border-right: 8px solid transparent; transform: translateY(16px);"> </div> <div style="background-color: #f4f4f4; flex-grow: 0; height: 12px; width: 16px; transform: translateY(-4px);"> </div> <div style="width: 0; height: 0; border-top: 8px solid #F4F4F4; border-left: 8px solid transparent; transform: translateY(-4px) translateX(8px);"> </div> </div> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center; margin-bottom: 24px;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 224px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 144px;"> </div> </div> <p style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; line-height: 17px; margin-bottom: 0; margin-top: 8px; overflow: hidden; padding: 8px 0 7px; text-align: center; text-overflow: ellipsis; white-space: nowrap;"><a style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: normal; line-height: 17px; text-decoration: none;" href="https://www.instagram.com/reel/CktdU1RLvIQ/?utm_source=ig_embed&amp;utm_campaign=loading" target="_blank" rel="noopener">A post shared by Володимир Зеленський (@zelenskiy_official)</a></p> </div> </blockquote> <p dir="ltr">After initially hesitating, Zelenskyy accepted the statue and quipped: “We have to win, quick.”</p> <p dir="ltr">Wednesday’s meeting, which marked Penn’s third visit to Ukraine since the invasion began, also saw the actor accept an award from Zelenskyy.</p> <p dir="ltr">The <em>Mystic River</em> star was presented with the Ukrainian Order of Merit of the third degree, which is given to citizens for outstanding achievements in economics, science, culture or military or political activity.</p> <p dir="ltr">“It was with great pleasure that I presented Sean Penn with the Order of Merit of the III degree,” the caption of the clip shared on Zelenskyy’s official Instagram read.</p> <p dir="ltr">“Thank you for such sincere support and significant contribution to the popularization (sic) of Ukraine in the world!”</p> <p dir="ltr">The video also showed the pair walking around Kyiv and arriving at Constitution Square where there is a “Walk of the Brave” - a walkway lined with plaques for world leaders who have supported Ukraine.</p> <p dir="ltr">Penn also has a plaque laid on the ground along the walkway, engraved with his name and the date February 24, 2022, which was the start of the invasion, as Penn was one of the first people to visit Ukraine after Russian troops moved in.</p> <p dir="ltr">Pointing to the plaque, Penn said there were three sources of pride for him in the world.</p> <p dir="ltr">“The place where my daughter was born, the place where my son was born and this. Thank you,” he said.</p> <p dir="ltr"><span id="docs-internal-guid-e58f0d92-7fff-56d3-d8c3-2674483699ac"></span></p> <p dir="ltr"><em>Image: Getty Images</em></p>

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"This is crazy": Ben Fordham blasts gender-neutral terms at all-boys school

<p>Ben Fordham has called out an all-boys private school that have encouraged teachers and students to use gender-inclusive terms. </p> <p>The principal of St Bede's College in Melbourne said in a letter to staff this week that the school was looking to change the language it uses following updated Victoria Child Safe Standards. </p> <p>The letter discouraged school staff from using terms such as "boy" and "young man" in an attempt to be more inclusive to non-binary students. </p> <p>"Can I ask that we start to use gender neutral language in our communications where possible?" the letter read, reports <a href="https://www.heraldsun.com.au/victoria-education/st-bedes-push-for-more-inclusive-language/news-story/a1709b55ccdf81b2fdde3111a2942b08" target="_blank" rel="nofollow noreferrer noopener">The Herald Sun</a>.</p> <p>"I know it can be challenging when communicating with the parents of senior students and calling them 'children', so if anyone has a better gender neutral term than this, please let me know."</p> <p>"The use of the term 'student' rather than 'young man' or 'boy' can easily be made. I'm yet to find an alternative for 'Beda Boy' (graduated students), and given the history of this term, we would need to think carefully on any changes here."</p> <p>After the letter was made public, 2GB's Ben Fordham blasted the school policy saying it was political correctness gone too far. </p> <p>"This is crazy. Cancel culture has hit this all boys school in Melbourne," he said.</p> <p>The college confirmed "staff were asked to use gender neutral language where possible" to comply with new standards to ensure all students were included. </p> <p>"There are, and will continue to be, boys, young men and 'Beda Boys' within our College community," a statement from the school read.</p> <p>"At the forefront of our minds is, and will remain, the inclusion of all students at St Bede's College."</p> <p><em>Image credits: Instagram / St Bede's College</em></p>

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5 legal terms you need to understand

<p>As we grow older we’re required to make a range of decisions regarding our health, wellbeing and assets that will be some of the most important we make in our life.</p> <p>So it goes without saying it’s important to understand the terms.</p> <p>We’ve taken a look at five legal terms every Australian senior needs to understand. Becoming acquainted with these terms is the best way to get the ball rolling. </p> <p><strong>1. Power of Attorney</strong></p> <p>Varying somewhat from state to state, a Power of Attorney is a legal documents giving someone legal authority to manage your financial affairs. This is useful if you find the demands of financial management too much or if you don’t want to burden certain member of your family with the responsibility of looking after your financial affairs.</p> <p><strong>2. Will</strong></p> <p>Generally speaking, a will is a formal document that’s designed to provide direction for the distribution of a person’s property and assents when they pass away. Making a will is no simple task, and requires the consideration of a range of complex financial, legal and tax issues, to ensure that your estate is distributed in accordance to your wishes.</p> <p><strong>3. Beneficiary</strong></p> <p>A beneficiary is the person who receives your assets when you pass away. It’s essential to make sure you have the correct names and details on your will to ensure the right beneficiary receives the right assets, as that is a mistake a lawyer can rarely fix.</p> <p><strong>4. Testamentary trust</strong></p> <p>Testamentary trusts are set up to protect the assets in a will, taking effect when the person who has created the will passes away. A trust is administered by a trustee (appointed in the will), who looks after the benefits of the beneficiaries until the trust expires.</p> <p>A testamentary trust is useful in the following instances:</p> <ul> <li>Beneficiaries are minors or have diminished mental capacity.</li> <li>Beneficiaries are not trusted to use inheritance wisely.</li> <li>Avoid split of family assets in event of a divorce settlement.</li> <li>Avoid split of family assets in event of bankruptcy proceedings.</li> </ul> <p><strong>5. Enduring Guardian</strong></p> <p>An Enduring Guardian can makes decisions on your behalf when you lose capability to do so. And Enduring Guardian has the capacity to make a range of important decisions regarding lifestyles, healthy and medicinal treatments, so it’s important to choose the right person.</p> <p><em>Image: Getty</em></p>

Legal

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I’m considering an interest-only home loan. What do I need to know?

<p>An <a href="https://moneysmart.gov.au/home-loans/interest-only-home-loans" target="_blank" rel="noopener">interest-only home loan</a>, as the name suggests, is where you only pay the interest on a loan and not the principal (the original amount you borrowed).</p> <p>While authorities such as the Reserve Bank often <a href="https://www.rba.gov.au/speeches/2018/sp-ag-2018-04-24.html" target="_blank" rel="noopener">see</a> them as risky, interest-only loans can be helpful in some circumstances.</p> <p>If you’re considering an interest-only loan, here’s what you need to know.</p> <p><strong>How long do they go for?</strong></p> <p>These loans are typically last for five years at most, before reverting back to principal and interest (where you have to pay back, through regular payments, both interest and the initial sum you borrowed).</p> <p>You could potentially apply for another interest-only loan after your first one winds up, perhaps by refinancing (where you take a new mortgage to repay an existing loan). But you might not get it – and you’d still have to pay off the principal eventually.</p> <figure class="align-center zoomable"><a href="https://images.theconversation.com/files/480309/original/file-20220822-18038-nyikjs.jpg?ixlib=rb-1.1.0&amp;q=45&amp;auto=format&amp;w=1000&amp;fit=clip"><img src="https://images.theconversation.com/files/480309/original/file-20220822-18038-nyikjs.jpg?ixlib=rb-1.1.0&amp;q=45&amp;auto=format&amp;w=754&amp;fit=clip" sizes="(min-width: 1466px) 754px, (max-width: 599px) 100vw, (min-width: 600px) 600px, 237px" srcset="https://images.theconversation.com/files/480309/original/file-20220822-18038-nyikjs.jpg?ixlib=rb-1.1.0&amp;q=45&amp;auto=format&amp;w=600&amp;h=401&amp;fit=crop&amp;dpr=1 600w, https://images.theconversation.com/files/480309/original/file-20220822-18038-nyikjs.jpg?ixlib=rb-1.1.0&amp;q=30&amp;auto=format&amp;w=600&amp;h=401&amp;fit=crop&amp;dpr=2 1200w, https://images.theconversation.com/files/480309/original/file-20220822-18038-nyikjs.jpg?ixlib=rb-1.1.0&amp;q=15&amp;auto=format&amp;w=600&amp;h=401&amp;fit=crop&amp;dpr=3 1800w, https://images.theconversation.com/files/480309/original/file-20220822-18038-nyikjs.jpg?ixlib=rb-1.1.0&amp;q=45&amp;auto=format&amp;w=754&amp;h=503&amp;fit=crop&amp;dpr=1 754w, https://images.theconversation.com/files/480309/original/file-20220822-18038-nyikjs.jpg?ixlib=rb-1.1.0&amp;q=30&amp;auto=format&amp;w=754&amp;h=503&amp;fit=crop&amp;dpr=2 1508w, https://images.theconversation.com/files/480309/original/file-20220822-18038-nyikjs.jpg?ixlib=rb-1.1.0&amp;q=15&amp;auto=format&amp;w=754&amp;h=503&amp;fit=crop&amp;dpr=3 2262w" alt="" /></a><figcaption><em><span class="caption">Interest-only loans can cost you a lot more in interest over time than a regular principal and interest loan.</span> <span class="attribution"><span class="source">Photo by Andrew Mead on Unsplash</span>, <a class="license" href="http://creativecommons.org/licenses/by/4.0/" target="_blank" rel="noopener">CC BY</a></span></em></figcaption></figure> <p><strong>What are the upsides of an interest-only loan?</strong></p> <p>An interest-only loan means you’ll have more cash available to cover other costs, or invest elsewhere.</p> <p>You can use a <a href="https://moneysmart.gov.au/home-loans/mortgage-calculator" target="_blank" rel="noopener">mortgage calculator</a> to work out how much extra cash you’d have if you switched from a principal and interest loan to an interest-only loan. It’s typically hundreds of dollars per week.</p> <p>This may get you a bit more wriggle room for daily expenses. Or, some people use the extra cash to invest in other things – such as shares – in the hope they can make more money overall and pick up some tax benefits along the way. That’s why interest-only loans are often popular among <a href="https://moneysmart.gov.au/home-loans/interest-only-home-loans" target="_blank" rel="noopener">investors</a>. Of course, this strategy comes with risk.</p> <p>An interest-only loan may also have a redraw facility, allowing you to add extra payments into the loan (above and beyond the interest) if you want, and withdraw money later when you need cash. This can allow people to avoid a personal loan, which usually has a much higher interest rate.</p> <p>Regular principal and interest loans may also have a redraw facility but the regular payments of principal are unavailable for redraw. That means less flexibility for the borrower.</p> <figure class="align-center zoomable"><em><a href="https://images.theconversation.com/files/480311/original/file-20220822-64666-y67vz3.jpg?ixlib=rb-1.1.0&amp;q=45&amp;auto=format&amp;w=1000&amp;fit=clip"><img src="https://images.theconversation.com/files/480311/original/file-20220822-64666-y67vz3.jpg?ixlib=rb-1.1.0&amp;q=45&amp;auto=format&amp;w=754&amp;fit=clip" sizes="(min-width: 1466px) 754px, (max-width: 599px) 100vw, (min-width: 600px) 600px, 237px" srcset="https://images.theconversation.com/files/480311/original/file-20220822-64666-y67vz3.jpg?ixlib=rb-1.1.0&amp;q=45&amp;auto=format&amp;w=600&amp;h=408&amp;fit=crop&amp;dpr=1 600w, https://images.theconversation.com/files/480311/original/file-20220822-64666-y67vz3.jpg?ixlib=rb-1.1.0&amp;q=30&amp;auto=format&amp;w=600&amp;h=408&amp;fit=crop&amp;dpr=2 1200w, https://images.theconversation.com/files/480311/original/file-20220822-64666-y67vz3.jpg?ixlib=rb-1.1.0&amp;q=15&amp;auto=format&amp;w=600&amp;h=408&amp;fit=crop&amp;dpr=3 1800w, https://images.theconversation.com/files/480311/original/file-20220822-64666-y67vz3.jpg?ixlib=rb-1.1.0&amp;q=45&amp;auto=format&amp;w=754&amp;h=512&amp;fit=crop&amp;dpr=1 754w, https://images.theconversation.com/files/480311/original/file-20220822-64666-y67vz3.jpg?ixlib=rb-1.1.0&amp;q=30&amp;auto=format&amp;w=754&amp;h=512&amp;fit=crop&amp;dpr=2 1508w, https://images.theconversation.com/files/480311/original/file-20220822-64666-y67vz3.jpg?ixlib=rb-1.1.0&amp;q=15&amp;auto=format&amp;w=754&amp;h=512&amp;fit=crop&amp;dpr=3 2262w" alt="" /></a></em><figcaption><em><span class="caption">What’s right for one borrower won’t be for the next.</span> <span class="attribution"><span class="source">Image by Pfüderi from Pixabay</span>, <a class="license" href="http://creativecommons.org/licenses/by/4.0/" target="_blank" rel="noopener">CC BY</a></span></em></figcaption></figure> <p><strong>What are the downsides?</strong></p> <p>The interest rates on interest-only loans are generally higher than principal and interest loans.</p> <p>For example, the RBA July 2022 <a href="https://www.rba.gov.au/statistics/tables/xls/f05hist.xls" target="_blank" rel="noopener">indicator rate</a> for owner-occupier interest-only rates is 6.31%.</p> <p>But the equivalent variable rate for principal and interest loans is 5.77% (the indicator rate is just a guide; the actual difference varies from bank to bank).</p> <p>Interest-only loans can cost you a lot more over time than a regular principal and interest loan.</p> <p>This means a borrower needs to manage their finances well to ensure they can cover the interest payments now and still have enough to pay down the principal eventually. So you’ll need a plan for how you’re going to do that when the interest-only loan ends.</p> <p>There is also a risk of a shock – such as job loss, personal crisis or housing crash – causing the borrower to default on the loan altogether.</p> <p>If the borrower defaults on an interest-only loan, they may lose the house and the bank is left with a debt that was not substantially repaid (because the borrower had not yet made a dent in the principal). It’s a lose-lose situation.</p> <p><strong>Are interest-only loans common?</strong></p> <p>Interest-only loans represent <a href="https://www.apra.gov.au/news-and-publications/apra-releases-quarterly-authorised-deposit-taking-institution-statistics-11" target="_blank" rel="noopener">11.3% of all home loans</a> in Australia.</p> <p>This figure has been <a href="https://www.rba.gov.au/publications/fsr/2017/apr/box-b.html" target="_blank" rel="noopener">trending down</a> over the past five years, due in part to tighter <a href="https://www.apra.gov.au/news-and-publications/apra-to-remove-interest-only-benchmark-for-residential-mortgage-lending" target="_blank" rel="noopener">lending restrictions</a> and the fact low interest rates have made principal and interest loans relatively cheap recently.</p> <figure class="align-center zoomable"><em><a href="https://images.theconversation.com/files/480312/original/file-20220822-65738-za6ht2.jpg?ixlib=rb-1.1.0&amp;q=45&amp;auto=format&amp;w=1000&amp;fit=clip"><img src="https://images.theconversation.com/files/480312/original/file-20220822-65738-za6ht2.jpg?ixlib=rb-1.1.0&amp;q=45&amp;auto=format&amp;w=754&amp;fit=clip" sizes="(min-width: 1466px) 754px, (max-width: 599px) 100vw, (min-width: 600px) 600px, 237px" srcset="https://images.theconversation.com/files/480312/original/file-20220822-65738-za6ht2.jpg?ixlib=rb-1.1.0&amp;q=45&amp;auto=format&amp;w=600&amp;h=399&amp;fit=crop&amp;dpr=1 600w, https://images.theconversation.com/files/480312/original/file-20220822-65738-za6ht2.jpg?ixlib=rb-1.1.0&amp;q=30&amp;auto=format&amp;w=600&amp;h=399&amp;fit=crop&amp;dpr=2 1200w, https://images.theconversation.com/files/480312/original/file-20220822-65738-za6ht2.jpg?ixlib=rb-1.1.0&amp;q=15&amp;auto=format&amp;w=600&amp;h=399&amp;fit=crop&amp;dpr=3 1800w, https://images.theconversation.com/files/480312/original/file-20220822-65738-za6ht2.jpg?ixlib=rb-1.1.0&amp;q=45&amp;auto=format&amp;w=754&amp;h=501&amp;fit=crop&amp;dpr=1 754w, https://images.theconversation.com/files/480312/original/file-20220822-65738-za6ht2.jpg?ixlib=rb-1.1.0&amp;q=30&amp;auto=format&amp;w=754&amp;h=501&amp;fit=crop&amp;dpr=2 1508w, https://images.theconversation.com/files/480312/original/file-20220822-65738-za6ht2.jpg?ixlib=rb-1.1.0&amp;q=15&amp;auto=format&amp;w=754&amp;h=501&amp;fit=crop&amp;dpr=3 2262w" alt="" /></a></em><figcaption><em><span class="caption">Interest-only loans represent 11.3% of all home loans in Australia.</span> <span class="attribution"><span class="source">Image by sandid from Pixabay</span>, <a class="license" href="http://creativecommons.org/licenses/by/4.0/" target="_blank" rel="noopener">CC BY</a></span></em></figcaption></figure> <p><strong>What does the research say?</strong></p> <p>One Dutch <a href="https://link.springer.com/article/10.1007/s11146-013-9453-9" target="_blank" rel="noopener">study</a> found “households that are more risk-averse and less literate are significantly less likely to choose an interest-only mortgage”. This partly due to lower initial repayments and wealthy households preferring the financial flexibility.</p> <p>Interest-only borrowing has also been found to <a href="https://www.sciencedirect.com/journal/journal-of-housing-economics" target="_blank" rel="noopener">fuel</a> <a href="https://doi.org/10.1016/j.regsciurbeco.2018.06.004" target="_blank" rel="noopener">housing</a> <a href="https://www.sciencedirect.com/science/article/pii/S1094202520300776?via%3Dihub" target="_blank" rel="noopener">speculation</a> and reduce housing affordability.</p> <p>A US study found borrowers also tend to <a href="https://doi.org/10.1093/rof/rfy016" target="_blank" rel="noopener">default</a> more.</p> <p>A Danish <a href="https://doi.org/10.1162/rest_a_01146" target="_blank" rel="noopener">study</a> found that once the interest-only lower repayment period is over and the loan reverts to principal and interest, those who didn’t make principal repayments suffered a large drop in disposable income.</p> <p><strong>Financial flexibility comes with a catch</strong></p> <p>With rates rising, interest-only loans may sound like an appealing way to have more cash available to cover other costs in life.</p> <p>But just remember financial flexibility comes with a catch. An interest-only loan could be more expensive in the long run.</p> <p>For some people, that cost will be worth it if it allows them to hold onto the house during a brief tough period or make more money investing elsewhere. But it’s a risk.</p> <p>And when the interest-only loan ends, you’re still stuck with the task of paying off the money you borrowed from the bank in the first place (with interest).<!-- Below is The Conversation's page counter tag. Please DO NOT REMOVE. --><img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/188817/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /><!-- End of code. If you don't see any code above, please get new code from the Advanced tab after you click the republish button. The page counter does not collect any personal data. More info: https://theconversation.com/republishing-guidelines --></p> <p><em><a href="https://theconversation.com/profiles/adrian-lee-94688" target="_blank" rel="noopener">Adrian Lee</a>, Associate Professor in Property and Real Estate, <a href="https://theconversation.com/institutions/deakin-university-757" target="_blank" rel="noopener">Deakin University</a></em></p> <p><em>This article is republished from <a href="https://theconversation.com" target="_blank" rel="noopener">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/im-considering-an-interest-only-home-loan-what-do-i-need-to-know-188817" target="_blank" rel="noopener">original article</a>.</em></p> <p><em>Image: Getty Images</em></p>

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Savings accounts or term deposits: where should you put your cash?

<p>Whether you’re saving money for the short or the long term, choosing between a <a href="http://mozo.com.au/savings-accounts-" target="_blank" rel="noopener">savings account</a> or a <a href="http://mozo.com.au/term-deposits" target="_blank" rel="noopener">term deposit</a> should be a considered decision.</p> <p>The key differences between the two need to be balanced against your financial goals to help you decide which way to go.</p> <p><strong>Access to your money</strong> –Term deposits lock your money away for a period of time starting at a minimum of one month and up to as long as several years. So make sure you won’t need to get your hands on your cash for a while.</p> <p>Savings accounts give you more direct access to your money but generally offer a lower interest rate than their term deposit counterparts. They let you take your money out when you need or want it.</p> <p><strong>Interest rates</strong> –Savings accounts have variable interest rates, so they can change. Some rates are introductory so they’re only held for a certain amount of time, then they drop to a lower variable rate. Read the fine print to see if and when the rate changes, and to what amount. Some savings accounts give you bonus interest if you don’t make a withdrawal or you make a minimum monthly deposit. Be aware too that some accounts might reduce your interest if you withdraw too much or too often.</p> <p>Term deposits offer fixed interest for the length of your term. So once you’ve opened a term deposit, if rates go down, your money isn’t affected because the rates are locked in. Usually the longer the term you choose, the higher the interest rate on offer (although it’s not always the case).  It’s worth keeping an eye out for special interest rate offers, too.</p> <p><strong>Starting amounts</strong> –Term deposits generally have a minimum amount that you need to start with – often it’s at least $1,000. You can start a savings account from zero.</p> <p><strong>Flexibility</strong> –Savings accounts let you add more money whenever you like. Term deposits generally don’t.</p> <p><strong>Which suits</strong> –You need to ask yourself what your savings objectives are. Accessible cash for immediate requirements through a savings account is attractive but for longer-term objectives such as that trip or new car you’ve been eyeing off, the term deposit attracting higher interest and forcing you to refrain from dipping into your account will have you winning in the long run.</p> <p>If you open a term deposit, it’s good to maintain a savings account as well. That way you can keep adding to your savings and when you reach a certain amount, you’ve got the option of possibly starting another term deposit.</p> <p>If you’ve got enough for a term deposit now, shop around for the best deal. There are savings account and term deposit comparison websites which can help make this easier, but it’s also worth checking out different banks and other providers too.</p> <p><em>Image: Getty Images</em></p>

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Mental health issues the most common long-term health condition in Australia

<div> <div class="copy"> <p>When the 2021 census went out to all Australians on August 10 last year, it introduced a question asking about people’s diagnosed long-term health conditions.</p> <p>Now, the <a href="https://www.abs.gov.au/statistics/health/health-conditions-and-risks/health-census/latest-release" target="_blank" rel="noreferrer noopener">first data from the census</a> has been released and, maybe unsurprisingly, it tells us that mental health conditions are the most prevalent long-term health conditions affecting Australians today.</p> <p>Over eight million people – about one-third of the population – reported having a long-term health condition. But mental health surpassed all other chronic illnesses in prevalence, with over 2.2 million people disclosing that they have a mental health condition.</p> <p>That’s roughly 1 in 12 Australians.</p> <p>These findings highlight a need to invest in not only physical healthcare, but to take urgent action in Australia’s mental health system to meet the increasing demand for services.</p> <p>“When it comes to mental healthcare, we’re just at the beginning of ensuring that we have good, high-quality services available, and the staff for them,” says Dr Tamara Cavenett, president of the Australian Psychological Society (APS). “And I think that the data actually shows that we’re not managing Australian’s mental healthcare in the way that we should,”</p> <h2>Gendered perceptions</h2> <p>“When you work in the mental health field, it’s not surprising that it’s such a prevalent long-term health condition,” says Dr Madelyne Bisby, a postdoctoral research fellow at the eCentreClinic at Macquarie University, a specialist research clinic providing online mental health treatments.</p> <p>In fact, according to <a href="https://www.abs.gov.au/articles/first-insights-national-study-mental-health-and-wellbeing-2020-21" target="_blank" rel="noreferrer noopener">insights</a> from the first cohort of the <a href="https://www.abs.gov.au/articles/first-insights-national-study-mental-health-and-wellbeing-2020-21" target="_blank" rel="noreferrer noopener">National Study of Mental Health and Wellbeing</a> (NSMHW) – also conducted by the Australian Bureau of Statistics – in 2020-21 there were 3.4 million Australians aged 16-85 years (17%) who saw a health professional for their mental health.</p> <p>But delving a little deeper into the census data reveals that roughly 60% of Australians diagnosed with a mental health condition were women, highlighting long-standing gendered differences in how people perceive mental health – and how they ask for help.</p> <p>“As a clinical psychologist, we often see more women than we do men,” explains Bisby.</p> <p>“What they feel comfortable reporting can quite possibly reflect the stigma that still exists around saying that you have an issue around your mental health if you’re male,” adds Cavenett. “And we also know that the traditional services that we provide for men aren’t necessarily tailored to working with men.”</p> <p>According to Cavenett these findings highlight the need for more research into how treatments and services can be tailored to make men feel more comfortable to seek out help.</p> <h2>The pandemic and mental health</h2> <p>The highest proportions of diagnosed mental health conditions were seen in people aged 20-34 years, supporting findings from the NSMHW that younger Australians (16-34 years) are more likely to experience high or very high levels of psychological distress than older Australians.</p> <p>“We know that adolescence and young adulthood is the time when a lot of mental health disorders do emerge for the first time,” explains Bisby.</p> <p>But Cavenett also thinks that the trend might reflect mental health issues created or <a href="https://cosmosmagazine.com/health/mental-health-during-covid/" target="_blank" rel="noreferrer noopener">exacerbated by the COVID-19 pandemic</a>, in terms of a lack of employment opportunities and social interaction.</p> <p>“What we know is that social contact is much more necessary the younger that you are. That doesn’t mean that it’s not important when you’re older, but that the need and the frequency is much higher in a younger age group,” says Cavenett.</p> <p>“One of the key features of lockdown is that it takes away a lot of people’s coping resources, a lot of the things they do to stay mentally well – seeing friends in person, being able to go out and be social, and do the things that really bring meaning and value to your life,” adds Bisby.</p> <p>These higher proportions of diagnosed mental health conditions may also reflect changing attitudes towards mental health in younger Australians – revealing a greater willingness to respond to and report mental health issues in the age group.</p> <p>“They’re certainly comfortable accessing help and saying that they have a problem,” says Cavenett. “But it’s also causing a much greater demand on the system and the supply of psychologists to actually provide services. And that’s a real worry.”</p> <h2>Demand is increasing, but not the supply</h2> <p>The 2021 census is finally providing national data on long-term health conditions across the entire population, and this will be critical in informing delivery of healthcare services to all Australians.</p> <p>“There’s a greater emphasis on chronic health conditions now as well, which is super important,” says Bisby.</p> <p>But the data underlines a need for government to make a greater investment in supporting mental healthcare in particular, especially in the training of new psychologists to meet an increasing demand.</p> <p><a href="https://psychology.org.au/about-us/news-and-media/media-releases/2022/unpaid,-underfunded-and-overworked-psychologists-o" target="_blank" rel="noreferrer noopener">According to the APS</a>, only 35% of the Government’s psychology workforce target listed in the <a href="https://www.aihw.gov.au/nmhspf" target="_blank" rel="noreferrer noopener">National Mental Health Service Planning Framework</a> is being met.</p> <p>What does this mean in practice? According to Cavenett, in a pre-pandemic world only around one in 100 psychologists had closed their books to new patients. But now, that number is down to one in three.</p> <p>“If you try and attempt to make an appointment with a psychologist, you’ve got a far less chance today of being able to get one in a reasonable and a timely fashion,” explains Cavenett.</p> <p>It takes 6-8 years of training to become a psychologist in Australia, but Cavenett says students are dropping out after five or more years of study because training places are so scarce due to a lack of higher education funding.</p> <p>“Until that’s addressed, we are essentially looking at increasing demand over time – and less and less psychologists able to meet that demand,” concludes Cavenett.</p> <p><em>Image credits: Getty Images</em></p> <p><em><!-- Start of tracking content syndication. Please do not remove this section as it allows us to keep track of republished articles --> <img id="cosmos-post-tracker" style="opacity: 0; height: 1px!important; width: 1px!important; border: 0!important; position: absolute!important; z-index: -1!important;" src="https://syndication.cosmosmagazine.com/?id=196520&amp;title=Mental+health+issues+the+most+common+long-term+health+condition+in+Australia" width="1" height="1" /> <!-- End of tracking content syndication --></em></div> <div id="contributors"> <p><em>This article was originally published on <a href="https://cosmosmagazine.com/people/mental-health-conditions-australia/" target="_blank" rel="noopener">cosmosmagazine.com</a> and was written by Imma Perfetto. </em></p> </div> </div>

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