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Experience a unique glimpse into the private life of Princess Diana

When you think of the royal family, most people picture their most high profile moments and the same anecdotes that have been recycled for years. But there is much more to them as a family, and as an institution, than meets the eye. For many royal fans, they have their favourite members of the family who they share an unspoken affinity with, and are often yearning to find out more about the princes and princesses. Around the world, there are few members of the royal family who are as fiercely loved as Princess Diana. Now, for the first time in Sydney, royal fanatics can take a never-before-seen look at the emotional private journey of the People’s Princess through the lens of one of her most trusted confidants: official royal photographer Anwar Hussein. <a href="https://princessdianaexperience.com/sydney/" target="_blank" rel="noopener">Princess Diana: Accredited Access Exhibition</a>, launching in Sydney on Wednesday April 10th, reveals the inside look at royal life from Diana’s perspective, while exploring the deep personal relationships between a princess and her photographer. Royal fans will learn about all sides of the late Princess of Wales, from how she portrayed herself in the public eye, to how she interacted with her inner circle behind closed doors. While the one of a kind exhibition covers all things Princess Diana, royal fans will also see the parallels of Anwar’s relationship with Diana, compared to Anwar’s sons, who went on to photograph Diana’s sons Prince William and Prince Harry, and their lasting relationships with the royal family at large. Throughout the exhibit, Anwar Hussein and his sons Samir and Zak, share their first-hand accounts of the stories behind the world-famous moments of Princess Diana and her family, recounting experiences they shared with the royals over their collective four decades working side-by-side with the royal family. Named one of the "Top 12 Immersive Experiences Around the World You Need to Visit” by CNN, the Princess Diana: Accredited Access Exhibition has sold out in Los Angeles, Chicago, Toronto, and Puerto Rico, and recently wowed audiences in Melbourne. Guests of the Princess Diana: Accredited Access Exhibition will embark on a captivating exploration through various themed sections covering all aspects of royal life, and will be guided by an easy to use audio guide. When arriving at the exhibit (which is housed in an accessible building for those with mobility issues), guests will be instructed to download an audio guide on their smartphone, letting guests move through the exhibition at their own pace. After being provided headphones, guests control the easy to use audio guide at their own speed, with each photograph corresponding to a number on the guide where the audience can learn the inside story behind each captured moment. If guests are hard of hearing, fear not. Each part of the audio guide also features the written script of the Hussein’s commentary, making sure visitors don’t miss any vital information. <img src="https://oversixtydev.blob.core.windows.net/media/2024/04/Diana-instructions.jpg" alt="" width="1280" height="720" /> Working your way through the exhibit can take anywhere up to one hour, with royal fans bound to leave with a new sense of connection and understanding to princess Diana’s private life, and the royal family at large. Princess Diana: Accredited Access Exhibition, presented by leading entertainment discovery platform<a href="http://feverup.com/sydney" target="_blank" rel="noopener"> Fever</a>, in partnership with global entertainment agency, SBX Group is a family-friendly experience that will leave visitors with a new perspective on royal life. Sessions run from 9am to 3pm on Wednesday to Friday, and 9am to 6pm on Saturday and Sunday, with the exhibition running until the end of May 2024. This is not a story you have heard before. Whether you are a hard-core fan or new to her legacy, you will be blown away by the fascinating depth and detail shared by the Hussein family. To purchase tickets, head to<a href="http://princessdianaexperience.com/sydney" target="_blank" rel="noopener"> princessdianaexperience.com/sydney</a>, to not miss out on this incredibly unique insight into the behind the scenes world of the royal family. Image credits: Supplied

Art

Politicians slam Albanese's "hypocritical" private jet use

Anthony Albanese has been urged to consider his carbon footprint after his controversial usage of a private jet. A group of independent MPs have asked the Prime Minister to offset his carbon usage after it was revealed that he and two other ministers chartered two private planes to attend the same clean energy event in the NSW Hunter Valley. Albanese was joined by Climate Change and Energy Minister Chris Bowen and Industry and Science Minister Ed Husic to fly to the region from Canberra on Thursday to announce a $1bn to support Australian manufacturing in solar technology. Teal MP Zali Steggall urged the leaders to offset their carbon emissions from the short journey when it was revealed that the three men flew separately in two separate Royal Australian Air Force jets. “I certainly hope they were offsetting the emissions of those two jets with companies, like Green fleet and other places like that where you can offset the emissions of your travel,” Ms Stegall told Sunrise. “I certainly hope and I call on the Minister for Climate Change to do that. Look, as a lowly independent, we don’t get the luxuries of flying in the ADF jets.” Private jets have a dramatically higher carbon footprint per passenger than commercial planes, with the average private jet emitting two tonnes of carbon an hour. Mr Bowen defended the use of the planes, saying the use of two private jets was a decision made by the airforce for safety reasons. “The Prime Minister has a large jet available to him and that would normally be what we take,” he said on Monday. “The runway at Scone wasn’t strong enough to take a large jet so the air force … decided for two jets.” Opposition transport spokeswoman Bridget McKenzie said the government should consider “jet pooling” and should make a conscious effort to cut down on the harmful use of private jets, which emit more carbon per passenger than commercial planes. “I fail to see why these guys, when they’re leaving from the same place on the same day, within 30 minutes of each other, couldn’t have either shared the plane or indeed, some of them, if they couldn’t all fit, use the commercial options that were available to them to fly direct from Canberra to Newcastle to make the announcement,” Senator McKenzie said. “It’s quite incredible.” Image credits: Getty Images

Travel Trouble

Tourist fined after posting this one photo on social media

A man has been fined after flouting the rules to get the perfect photo with a quokka at Rottnest Island. The tourist was visiting the popular nature reserve, off the coast of Western Australia, when he was tracked down by authorities after posting a photo of him holding the marsupial on Instagram, despite signs saying not to touch the vulnerable animals. "Feeding and touching quokkas is not permitted for the safety of visitors and the welfare of the animals," A Rottnest Island Authority spokesperson told Perth Now. The unnamed tourist copped a $200 fine and an infringement was issued over the weekend, but the spokesperson said he was not evicted from the island. The Rottnest Island website also clearly states the rules against touching the furry animals. "It’s important, for their safety and yours, that you don’t touch the quokkas," the website read. Tourists are also warned that touching the marsupials can make them sick, spread disease and cause mothers to abandon their young if they carry an unfamiliar scent. Samuel Cornell, a research fellow from UNSW, told Yahoo News Australia that these rules exist for a reason. "The rules are there usually to protect people's own safety, first and foremost. And then secondly, of course, we enact rules to protect the environment," Cornell said. "They are still wild animals, but because they're plastered all over social media and people are used to seeing pretty pictures with them, I think people then have this interpretation of them that they're just some fluffy, safe creature that you can just go up to and pick up." Cornell added that tourists flouting the rules is not just an issue in Rottnest Island, but "a problem across Australia," including popular tourists destinations like K'gari (formerly Fraser Island), Babinda boulders, and Wedding Cake Rock in Sydney. "Some people do just ignore rules or signs because they think they know better or they really want a photo in a certain place," he explained. "But there are a subset of people that will claim 'oh, I didn't actually see the sign or I wasn't really aware'". Images: PerthNow/ Getty

Travel Trouble

Tragic update on man buried alive on Bribie Island

Vibrant and energetic 25-year-old Josh Taylor, <a href="https://www.oversixty.com.au/health/caring/family-of-man-who-was-buried-alive-breaks-silence" target="_blank" rel="noopener">who found himself buried</a> in the sandy depths of Bribie Island, Queensland, has succumbed to the severe injuries sustained during the tragic incident. After five days of battling for his life, Josh's family made the agonising decision to switch off his life support. Josh's untimely demise stemmed from a seemingly innocent gathering on Bribie Island, where he and his friends were digging a sand pit to cook a pig in the traditional Maori style of hangi. Witnesses recalled the horrifying moment when Josh, while standing on a chair, lost his footing, and the sand beneath him gave way. He stumbled backwards into the deep hole, disappearing from view. It took a team of 15 people to pull him out. An off-duty paramedic and loyal friends resorted to using ropes tied to Josh's feet, pulling him free from the suffocating grip of the sand, but despite their valiant efforts, Josh had already endured significant injuries during the ordeal. As they pulled him from the hole, the force of the rescue exacerbated his injuries, leaving him without a pulse for a gut-wrenching 45 minutes. The nightmare unfolded before the eyes of Josh's family, who were also on the scene. Josh's father, Peter, was among those frantically digging to free his son. In their grief, following the decision to switch off Josh's life support, the Taylor family expressed gratitude for the compassionate efforts of those who helped to pull him from the sand, attempted to revive him at the scene, and provided care at the Princess Alexandra Hospital in Brisbane. “Without these people, Josh would not have had the opportunity to recover or give our family and friends these last precious days with him to say goodbye,” the Taylor family said in a statement. “He fought as hard as he could and is the most courageous person we will ever know. "Unfortunately, the injuries he received were too severe for him to overcome. We will somehow find a way to move on from this terrible tragedy. “He was the best son, brother, boyfriend and mate we could all have wished for. We love you Josh and will miss you every minute of every day. Goodbye mate until we see each other again.” Images: Facebook / 7News

Caring

"She saw it and dodged it": Incredible scenes as tree plunges through seat in Schoolies crash

In a harrowing incident on K'Gari, formerly known as Fraser Island, a group of teenage girls narrowly escaped a potentially tragic accident during their Schoolies celebration. The friends were exploring the picturesque island off the Queensland coast when a tree crashed through the windscreen of their car, plunging right through the headrest of the passenger seat. Miraculously, all occupants emerged unscathed from this near-miss, thanks to a combination of quick reflexes and the timely intervention of volunteers from the Fraser Coast Red Frogs. As the teens ventured through the island's terrain, their joyous celebration took a terrifying turn when a massive tree limb plummeted onto their vehicle. The impact shattered the glass directly in front of the passenger seat, creating a scene of devastation that could have resulted in serious injuries – or worse. Astonishingly, one of the girls was seated in the passenger seat at the time, and her quick thinking and agility allowed her to dodge the falling debris, narrowly avoiding a potentially life-threatening situation. Tim Winnington, the Fraser Coast Red Frogs coordinator, described the fortuitous nature of the escape, saying, "There was a girl actually sitting in the passenger seat. She saw it and dodged it. They were so lucky not to get injured." The Red Frogs, a charity organisation that provides support and education at events like Schoolies and music festivals, played a crucial role in the aftermath of the incident, with volunteers from the organisation waiting with the shaken teenagers until help arrived. Madhill Motor Group, the generous donor of the ute used by the Red Frogs team, highlighted the gravity of the situation with photos shared on Facebook to demonstrate just how close the call was. The teenagers, treated for shock by paramedics, were fortunate to walk away physically unharmed, a fact not lost on them or their friends. In the aftermath of the incident, a friend of the girls expressed heartfelt gratitude to the Red Frogs for their swift and effective response. “They were all so lucky to walk away with no one being injured, and very lucky the Red Frogs were on scene so quickly and helped them so much, getting them a room to stay, driving their car for them, cleaning up all the glass and calming them all down in this traumatic experience,” they wrote. “We are all extremely grateful that you were there.” Images: Facebook

Travel Trouble

No, the Voice to Parliament would not force people to give up their private land

<a href="https://theconversation.com/profiles/kate-galloway-9907">Kate Galloway</a>, <a href="https://theconversation.com/institutions/griffith-university-828">Griffith University</a> In the polarised debate about the Voice to Parliament referendum, some proponents of the “no” vote have <a href="https://www.aap.com.au/factcheck/voice-legislation-does-not-authorise-a-land-grab/">claimed</a> the creation of the new advisory body would lead to the conversion of private land titles in Australia to native title. The implication is that people will be forced to give up their land. This has sown fear among some Australians. Last week, a false letter purporting to be from a member of the First Peoples’ Assembly of Victoria was distributed to homes in regional Victoria, saying the body was moving into the “next phase of reacquiring land”. The minister for Indigenous Australians, Linda Burney, <a href="https://www.theage.com.au/national/victoria/fake-letter-scaremongering-about-indigenous-land-claims-sparks-outrage-20230912-p5e43n.html">called</a> it a “another example of the dirty tricks campaign” being waged to sow doubt over the Voice referendum. Similar concerns were raised following the High Court decision in the <a href="https://aiatsis.gov.au/explore/mabo-case">Mabo case</a> in 1992 and passage of the <a href="https://www.legislation.gov.au/Details/C2017C00178">Native Title Act</a> a year later. Like the fear-mongering over the Mabo decision, the current alarm over the potential loss of private lands with a Voice to Parliament is unwarranted because this claim is manifestly incorrect. There are two foundational legal reasons why: <ul> <li> because of the words of the proposed constitutional amendment itself </li> <li> and because of the way that native title works. </li> </ul> <h2>Would the proposed Voice have powers related to land?</h2> The proposed constitutional amendment that would create the Voice is very simple. It seeks to insert one new section into the Constitution, which reads: <blockquote> In recognition of Aboriginal and Torres Strait Islander peoples as the First Peoples of Australia: <ol> <li> there shall be a body, to be called the Aboriginal and Torres Strait Islander Voice; </li> <li> the Aboriginal and Torres Strait Islander Voice may make representations to the Parliament and the Executive Government of the Commonwealth on matters relating to Aboriginal and Torres Strait Islander peoples; </li> <li> the Parliament shall, subject to this Constitution, have power to make laws with respect to matters relating to the Aboriginal and Torres Strait Islander Voice, including its composition, functions, powers and procedures. </li> </ol> </blockquote> The words clearly provide for only one activity to be undertaken by the Voice. The new body “may make representations” on matters relating to Aboriginal and Torres Strait Islander people. There is no express or hidden power to either take people’s land or give land to First Nations people. The Voice is a committee that may provide advice to parliament and government on issues relating to First Nations people. That is all. And this advice is not binding. The parliament of the day is free to ignore it, if it wishes to. The new provision also gives one sole power to the parliament – it would have the capacity to set up the Voice. It is not possible to understand this provision as creating a special power to take people’s land, or to “convert” land to native title. Importantly, the power to establish the Voice would not be given to the government – it would belong to parliament. In exercising this power, normal parliamentary processes will apply and the parliament will be accountable to the public. There are no other changes to the Constitution proposed in this referendum. <h2>How native title works</h2> In the famous Mabo case, the High Court found that the land title of Aboriginal and Torres Strait Islander people, held under their traditional law and custom, survived the introduction of British sovereignty over Australia. Mabo confirmed native title can only be claimed over land where there is no interest in conflict with the exercise of this right. Native title will always give way to grants of exclusive land use. Following this decision, the law now states that every grant of freehold land (“private” land) extinguishes native title. Further, in the later case of <a href="https://jade.io/article/68082">Fejo v Northern Territory</a>, the High Court confirmed that once native title has been extinguished, it cannot be revived. Consequently, even if the constitutional change creating the Voice did (somehow) recognise native title, it is not possible to “convert” freehold land to native title. On private land, native title no longer exists under Australian law. To put these claims of “land conversion” in context, it is helpful to recall the public response to the Mabo decision. Following the High Court judgement in Mabo, the mining industry ran a national campaign asserting that native title would threaten people’s back yards. The managing director of Western Mining, Hugh Morgan, <a href="https://parlinfo.aph.gov.au/parlInfo/search/display/display.w3p;query=(Id:library/prspub/raf10);rec=0">said</a> the High Court’s decision "put at risk the whole legal framework of property rights throughout the whole community." This campaign led to significant public fear about the effects of native title. These claims about native title after Mabo were incorrect. Private landholdings have not been threatened. Indeed, on the ten-year anniversary of the Mabo decision, former Victorian Premier Jeff Kennett even <a href="https://www.theage.com.au/national/i-was-wrong-on-mabo-kennett-20020601-gdu9dt.html">admitted that his initial fears had been unfounded</a>. In reading or listening to claims about the effect of the Voice, it is prudent to question the source of information. If you have questions, seek a reliable source to read the words of the proposed amendment and understand the objective of the constitutional change. If you hear of a claim that seems extreme, it may well be aimed at diverting the public’s attention from the real issues.<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/212784/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/kate-galloway-9907">Kate Galloway</a>, Associate Professor of Law, <a href="https://theconversation.com/institutions/griffith-university-828">Griffith University</a> Image credits: Getty Images This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/no-the-voice-to-parliament-would-not-force-people-to-give-up-their-private-land-212784">original article</a>.

Legal

Who really benefits from private health insurance rebates? Not people who need cover the most

<a href="https://theconversation.com/profiles/yuting-zhang-1144393">Yuting Zhang</a>, <a href="https://theconversation.com/institutions/the-university-of-melbourne-722">The University of Melbourne</a>; <a href="https://theconversation.com/profiles/judith-liu-1467052">Judith Liu</a>, <a href="https://theconversation.com/institutions/university-of-oklahoma-1896">University of Oklahoma</a>, and <a href="https://theconversation.com/profiles/nathan-kettlewell-903866">Nathan Kettlewell</a>, <a href="https://theconversation.com/institutions/university-of-technology-sydney-936">University of Technology Sydney</a> The Australian government spends <a href="https://www.health.gov.au/ministers/the-hon-greg-hunt-mp/media/delivering-australias-lowest-private-health-insurance-premium-change-in-21-years">A$6.7 billion a year</a> on private health insurance rebates. These <a href="https://www.ato.gov.au/Individuals/Medicare-and-private-health-insurance/Private-health-insurance-rebate/">rebates</a> are the government’s contribution towards the costs of individuals’ premiums. But our <a href="https://doi.org/10.1002/hec.4751">analysis</a> shows higher rebates for people aged 65 and older are not doing much to encourage them to sign up for private hospital cover, the very group who may benefit the most from it. This and <a href="https://doi.org/10.1080/13504851.2017.1299094">other research</a> point to these rebates largely going to people on higher incomes, ones who’d be more likely to buy private health insurance anyway. <h2>Remind me, what are these rebates?</h2> In <a href="https://www.abs.gov.au/ausstats/abs@.nsf/2f762f95845417aeca25706c00834efa/0aaf3311ebcd3646ca2570ec000c46e4!OpenDocument#:%7E:text=The%20Federal%20Government%2030%25%20Rebate,the%20means%2Dtested%20PHIIS%20rebate.">1999</a>, the Australian government introduced the private health insurance rebate. Initially, the rebate meant the government paid 30% of the cost of private health insurance for everyone, regardless of income or age. Then in 2005, the Howard government increased the rebate rate to 35% for those aged 65-69 and to 40% for those aged 70 and older, regardless of how much they earned. Over time, the rebate rates have decreased slightly and now depend on both income and age. However, the higher discount for older people has always remained. We wanted to understand whether the higher rebates for older people actually encourage them to buy private health insurance. So we looked at data from more than 300,000 people who filed tax returns over more than a decade (2001-2012). We then compared the trends in insurance coverage of people younger than 65 and older than 65, before and after the 2005 rebate policy change. <h2>What we found</h2> We found higher rebates led to a modest and short-term increase in private health insurance take-up. We estimated that lowering premium prices by 10% through higher rebates would only result in 1-2% more people aged 65 and older buying private health insurance in the next two years. This means higher rebates for older people are a very expensive way to get them to insure. People aged 65-74 with income in the bottom 25% of earners were the most likely to buy insurance in response to higher rebates that reduced premium prices. That’s an income under $21,848 in today’s money (income increased to 2023 dollar amount, in line with the <a href="https://www.ato.gov.au/rates/consumer-price-index">consumer price index</a>). <h2>What do we propose?</h2> Our findings suggest a more targeted subsidy program would be a more effective way to increase private health insurance. To achieve this, we recommend lowering income thresholds for rebates to target people of all ages on genuinely low incomes. Currently, people earning as much as $144,000 (singles) or $288,000 (families) can receive rebates. Other evidence to back our proposal comes from <a href="https://melbourneinstitute.unimelb.edu.au/publications/working-papers/search/result?paper=4682822">research</a> released earlier this year. This suggests higher income earners are likely to buy private insurance regardless of rebates. A recent <a href="https://consultations.health.gov.au/medical-benefits-division/consultation-on-phi-studies">consultation report</a> commissioned by the federal health department reviewed a range of health insurance incentives. The <a href="https://consultations.health.gov.au/medical-benefits-division/consultation-on-phi-studies/supporting_documents/Finity%20Consulting%20MLS%20and%20PHI%20Rebate%20Final%20Report.pdf">report</a> recommends removing rebates for those with income higher than $108,000 for singles and $216,000 for families (we recommend removing them at $93,000 for singles and $186,000 for families). The report also recommends increasing rebates for those older than 65 (we believe income, rather than age, is a better marker of someone’s means). <h2>Are rebates good value for money?</h2> We also need to look at whether rebates provide value for money more broadly, and across all ages. <a href="https://grattan.edu.au/wp-content/uploads/2019/12/926-Saving-Health-2.pdf">Existing evidence</a> shows a 10% decrease in premiums due to rebates only leads to a 3.5-5% increase in private health insurance take-up among all Australians. We show this is only <a href="https://doi.org/10.1002/hec.4751">1-2%</a> for people over 65. So rebates are likely to <a href="https://doi.org/10.1016/j.jhealeco.2013.11.007">cost taxpayers more</a> than they generate in savings, and are largely windfalls to those who would privately insure anyway, often those who are financially better off. <h2>What happens if we scrapped the rebates?</h2> It is uncertain how many people would drop private cover if the rebate was removed. But based on research from when the rebate was introduced, the rebate might account for a maximum <a href="https://escholarship.org/content/qt6j47s8kq/qt6j47s8kq_noSplash_be059196ed2d70b94486039f64452494.pdf">10-15 percentage points</a> of the overall take-up rate. Other research suggests it might be much less than this, closer to <a href="https://www.sciencedirect.com/science/article/pii/S016762961300163X?casa_token=C-SdG98Jc2UAAAAA:KJLHBZ2BJhq9wRQQKUbEWPiqoeza1DEi3mZ9Y6O2GereVX1L1x0cJumVgrqBeMGa1ygDjFrPG7T5">2 percentage points</a>. In other words, the rebate only appears to influence a small percentage of people to buy private health insurance. So scrapping it would likely have a similarly small effect. Then there’s the impact of scrapping the rebate, people dropping their cover and putting more pressure on the public system. Earlier this year, we found private health insurance had <a href="https://theconversation.com/does-private-health-insurance-cut-public-hospital-waiting-lists-we-found-it-barely-makes-a-dent-211680">minimal impact</a> on reducing waiting times for surgery in Victorian public hospitals. So scrapping the rebate might have minimal impact on waiting lists. Taken together, the billions of dollars a year the government spends to subsidise private health insurance via rebates might be better directed to public hospitals and other high-value care, including primary care and preventive care.<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/212611/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/yuting-zhang-1144393">Yuting Zhang</a>, Professor of Health Economics, <a href="https://theconversation.com/institutions/the-university-of-melbourne-722">The University of Melbourne</a>; <a href="https://theconversation.com/profiles/judith-liu-1467052">Judith Liu</a>, Assistant Professor of Economics, <a href="https://theconversation.com/institutions/university-of-oklahoma-1896">University of Oklahoma</a>, and <a href="https://theconversation.com/profiles/nathan-kettlewell-903866">Nathan Kettlewell</a>, Chancellor's Research Fellow, Economics Discipline Group, <a href="https://theconversation.com/institutions/university-of-technology-sydney-936">University of Technology Sydney</a> Image credits: Getty Images This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/who-really-benefits-from-private-health-insurance-rebates-not-people-who-need-cover-the-most-212611">original article</a>.

Legal

Does private health insurance cut public hospital waiting lists? We found it barely makes a dent

<a href="https://theconversation.com/profiles/yuting-zhang-1144393">Yuting Zhang</a>, <a href="https://theconversation.com/institutions/the-university-of-melbourne-722">The University of Melbourne</a>; <a href="https://theconversation.com/profiles/jongsay-yong-10803">Jongsay Yong</a>, <a href="https://theconversation.com/institutions/the-university-of-melbourne-722">The University of Melbourne</a>, and <a href="https://theconversation.com/profiles/ou-yang-937801">Ou Yang</a>, <a href="https://theconversation.com/institutions/the-university-of-melbourne-722">The University of Melbourne</a> The more people take up private health insurance, the <a href="https://www.aph.gov.au/parliamentary_business/committees/senate/community_affairs/completed_inquiries/1999-02/pubhosp/report/c05">less pressure</a> on the public hospital system, including <a href="https://www.privatehealthcareaustralia.org.au/australians-sign-up-to-private-health-insurance-in-record-numbers-to-avoid-hospital-waiting-lists/#:%7E:text=%22Private%20health%20insurance%20is%20the,and%20keep%20pressure%20off%20premiums.">shorter waiting lists</a> for surgery. That’s one of the key messages we’ve been hearing from government and the private health insurance industry in recent years. Governments <a href="https://www.privatehealth.gov.au/health_insurance/surcharges_incentives/index.htm">encourage us</a> to buy private hospital cover. They tempt us with carrots – for instance, with subsidised <a href="https://www.ato.gov.au/Individuals/Medicare-and-private-health-insurance/Private-health-insurance-rebate/">premiums</a>. With higher-income earners, the government uses sticks – buy private cover or pay the <a href="https://www.ato.gov.au/Individuals/Medicare-and-private-health-insurance/Medicare-levy-surcharge/">Medicare Levy Surcharge</a>. These are just some of the <a href="https://www.health.gov.au/ministers/the-hon-greg-hunt-mp/media/delivering-australias-lowest-private-health-insurance-premium-change-in-21-years#:%7E:text=Home-,Delivering%20Australia's%20lowest%20private%20health%20insurance%20premium%20change%20in%2021,be%202.70%20percent%20in%202022">billion-dollar strategies</a> aimed to shift more of us who can afford it into the private system. But what if private health insurance doesn’t have any meaningful impact on public hospital waiting lists after all? That’s what we found in our <a href="https://melbourneinstitute.unimelb.edu.au/publications/working-papers/search/result?paper=4721936">recent research</a>. Our analysis suggests if an extra 65,000 people buy private health insurance, public hospital waiting lists barely shift from the average 69 days. Waiting lists are an average just eight hours shorter. In other words, we’ve used hospital admission and waiting-list data to show private health insurance doesn’t make much difference. <h2>What we did</h2> Our <a href="https://melbourneinstitute.unimelb.edu.au/publications/working-papers/search/result?paper=4721936">work</a> looked at data from 2014-2018 on hospital admissions and waiting lists for elective surgery in Victoria. The data covered all Victorians who were admitted as an inpatient in all hospitals in the state (both public and private) and those registered on the waiting list for elective surgeries in the state’s public hospitals. That included waiting times for surgeries where people are admitted to public hospitals (as an inpatient). We didn’t include people waiting to see specialist doctors as an outpatient. The data was linked at the patient level, meaning we could track what happened to individuals on the waiting list. We then examined the impact of more people buying private health insurance on waiting times for surgeries in the state’s public hospitals. We did this by looking at the uptake of private health insurance in different areas of Victoria, according to socioeconomic status. After adjusting for patient characteristics that may affect waiting times, these differences in insurance uptake allowed us to identify how this changed waiting times. <h2>What we found</h2> In our sample, on average <a href="https://melbourneinstitute.unimelb.edu.au/__data/assets/pdf_file/0005/4721936/wp2023n09.pdf">44% of people</a> in Victoria had private health insurance. This is close to the national average of <a href="https://www.apra.gov.au/private-health-insurance-annual-coverage-survey">45%</a>. We found that increasing the average private health insurance take-up from 44% to 45% in Victoria would reduce waiting times in public hospitals by an average 0.34 days (or about eight hours). This increase of one percentage point is equivalent to 65,000 more people in Victoria (based on <a href="https://www.abs.gov.au/AUSSTATS/abs@.nsf/Lookup/3101.0Main+Features1Jun%202018?OpenDocument">2018 population data</a>) taking up (and using) private health insurance. The effects vary slightly by surgical specialty. For instance, private health insurance made a bigger reduction to waiting times for knee replacements, than for cancer surgery, compared to the average. But again, the difference only came down to a few hours. Someone’s age also made a slight difference, but again by only a few hours compared to the average wait. Given the common situation facing public and private hospitals across all states and territories, and similar private health insurance take-up in many states, our findings are likely to apply outside Victoria. <h2>Why doesn’t it reduce waiting lists?</h2> While our research did not address this directly, there may be several reasons why private health insurance does not free up resources in the public system to reduce waiting lists: <ul> <li> people might buy health insurance and not use it, preferring to have free treatment in the public system rather than risk out-of-pocket costs in the private system </li> <li> specialists may not be willing to spend more time in the public system, instead <a href="https://onlinelibrary.wiley.com/doi/epdf/10.1111/1753-6405.12488">favouring working</a> in private hospitals </li> <li> there’s a growing need for public hospital services that may not be available in the private system, such as complex neurosurgery and some forms of cancer treatment. </li> </ul> <h2>Why is this important?</h2> Government <a href="https://www.privatehealth.gov.au/health_insurance/surcharges_incentives/index.htm">policies</a> designed to get more of us to buy private health insurance involve a significant sum of public spending. Each year, the Australian government spends about <a href="https://www.health.gov.au/ministers/the-hon-greg-hunt-mp/media/delivering-australias-lowest-private-health-insurance-premium-change-in-21-years#:%7E:text=Home-,Delivering%20Australia's%20lowest%20private%20health%20insurance%20premium%20change%20in%2021,be%202.70%20percent%20in%202022">$A6.7 billion</a> in private health insurance rebates to reduce premiums. In the 2020-21 financial year, Medicare combined with state and territory government expenditure provided almost <a href="https://www.aihw.gov.au/reports/hospitals/australias-hospitals-at-a-glance/contents/spending-on-hospitals">$6.1 billion</a> to fund services provided in private hospitals. There might be an argument for this public spending if the end result was to substantially take pressure off public hospitals and thereby reduce waiting times for treatment in public hospitals. But the considerable effort it takes to encourage more people to sign up for private health insurance, coupled with the small effect on waiting lists we’ve shown, means this strategy is neither practical nor effective. Given the substantial costs of subsidising private health insurance and private hospitals, public money might be better directed to public hospitals and primary care. In addition, people buying private health insurance can skip the waiting times for elective surgery to receive speedier care. These people are often <a href="https://melbourneinstitute.unimelb.edu.au/__data/assets/pdf_file/0005/4682822/wp2023n08.pdf">financially well off</a>, implying unequal access to health care. <h2>What’s next?</h2> The Australian government is currently <a href="https://consultations.health.gov.au/medical-benefits-division/consultation-on-phi-studies/">reviewing</a> private health insurance. So now is a good time for reforms to optimise the overall efficiency of the health-care system (both public and private) and improve population health while saving taxpayer money. We also need policies to ensure equitable access to care as a priority. When it comes to reducing hospital waiting lists, we’ve shown we cannot rely on increased rates of private health insurance coverage to do the heavy lifting.<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/211680/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/yuting-zhang-1144393">Yuting Zhang</a>, Professor of Health Economics, <a href="https://theconversation.com/institutions/the-university-of-melbourne-722">The University of Melbourne</a>; <a href="https://theconversation.com/profiles/jongsay-yong-10803">Jongsay Yong</a>, Associate Professor of Economics, <a href="https://theconversation.com/institutions/the-university-of-melbourne-722">The University of Melbourne</a>, and <a href="https://theconversation.com/profiles/ou-yang-937801">Ou Yang</a>, Senior Research Fellow, <a href="https://theconversation.com/institutions/the-university-of-melbourne-722">The University of Melbourne</a> This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/does-private-health-insurance-cut-public-hospital-waiting-lists-we-found-it-barely-makes-a-dent-211680">original article</a>.

Money & Banking

64-year-old man saved after crafting SOS symbol on remote island

A sailor who found himself stranded on a remote island in the Bahamas due to his boat's mechanical issues has been successfully rescued after ingeniously attracting the attention of a passing plane. Recent aerial imagery provided by the US Coast Guard depicts the remarkable tale of a 64-year-old individual, whose identity remains undisclosed, crafting the letters "SOS" on the sandy expanse of the beach to signify his distress. The sailor's vessel had encountered mechanical failure during its voyage through the enchanting Bahamas archipelago, leaving him marooned for an arduous three-day stretch on Cay Sal Island. Prompted by the sighting of distress flares originating from a disabled sailboat, a vigilant coast guard aircraft sprang into action. Supplies including nourishment, water, and a radio for communication were air-dropped to establish a lifeline with the stranded sailor. Through this communication, he shared the details of his challenging ordeal. A coast guard ship was dispatched to retrieve the man, who remarkably remained in good health despite his trials. Cay Sal Island, an isolated landmass nestled within the Straits of Florida north of Cuba and west of the Bahamas, continues to stand as an uninhabited segment within the Bimini district of the Bahamas. Dev Craig, an officer within the coast guard, expressed a sense of pride in the team's accomplishment, stating, "We’re proud to have saved this man’s life. This case serves as a perfect example of why you must have the proper safety equipment on your vessel. Without seeing the flare, the case may not have had a successful outcome." Images: US Coast Guard

Travel Trouble

Private health insurance is set for a shake-up. But asking people to pay more for policies they don’t want isn’t the answer

<a href="https://theconversation.com/profiles/yuting-zhang-1144393">Yuting Zhang</a>, <a href="https://theconversation.com/institutions/the-university-of-melbourne-722">The University of Melbourne</a> and <a href="https://theconversation.com/profiles/nathan-kettlewell-903866">Nathan Kettlewell</a>, <a href="https://theconversation.com/institutions/university-of-technology-sydney-936">University of Technology Sydney</a> Private health insurance is <a href="https://consultations.health.gov.au/medical-benefits-division/consultation-on-phi-studies/">under review</a>, with proposals to overhaul everything from rebates to tax penalty rules. One <a href="https://consultations.health.gov.au/medical-benefits-division/consultation-on-phi-studies/supporting_documents/Finity%20Consulting%20MLS%20and%20PHI%20Rebate%20Final%20Report.pdf">proposal</a> is for higher-income earners who don’t have private health insurance to pay a larger <a href="https://www.ato.gov.au/Individuals/Medicare-and-private-health-insurance/Medicare-levy-surcharge/">Medicare Levy Surcharge</a> – an increase from 1.25% or 1.5%, to 2%. And if they want to avoid that surcharge, they’d need to take out higher-level hospital cover than currently required. Encouraging more people to take up private health insurance like this might seem a good way to take pressure off the public hospital system. But <a href="https://melbourneinstitute.unimelb.edu.au/publications/working-papers/search/result?paper=4682822">our research</a> shows these proposals may not achieve this. These may also be especially punitive for people with little to gain from buying private health insurance, such as younger people and those living in regional areas who do not have access to private hospitals. <h2>What is the Medicare Levy Surcharge?</h2> The Medicare Levy Surcharge was <a href="https://www.aph.gov.au/About_Parliament/Parliamentary_Departments/Parliamentary_Library/FlagPost/2013/May/A_short_history_of_increases_to_the_Medicare_levy#:%7E:text=From%20July%201997%2C%20a%20surcharge,ancillary%20insurance%20cover%20was%20introduced">introduced in 1997</a> to encourage high-income earners to buy health insurance. People earning above the relevant thresholds need to buy “complying” health insurance, or pay the levy. This surcharge is in addition to the <a href="https://www.ato.gov.au/Individuals/Medicare-and-private-health-insurance/Medicare-levy/">Medicare levy</a>, which applies to most taxpayers. The surcharge varies depending on your income bracket, and the rate is <a href="https://www.ato.gov.au/Individuals/Medicare-and-private-health-insurance/Medicare-levy-surcharge/Medicare-levy-surcharge-income,-thresholds-and-rates/">different</a> for families. For instance, to avoid paying the surcharge currently, a single person living in Victoria earning A$108,001 can buy basic hospital cover. The lowest annual premium for someone under 65 is <a href="https://www.privatehealth.gov.au/dynamic/Search/">about $1,100</a>, after rebates. That varies slightly between states and territories. Not buying private health insurance and paying the Medicare Levy Surcharge instead would cost even more, at $1,350 (1.25% of $108,001). <h2>What is being proposed?</h2> The <a href="https://consultations.health.gov.au/medical-benefits-division/consultation-on-phi-studies/">report</a>, by Finity Consulting and commissioned by the federal health department, reviews a range of health insurance incentives. It recommends increasing the Medicare Levy Surcharge to 2% for those with an income above $108,001 for singles, and $216,001 for families. The definition of a “complying” private health insurance policy would also change. Rather than having basic hospital cover as is required now, someone would need to buy <a href="https://www.health.gov.au/resources/publications/private-health-insurance-reforms-gold-silver-bronze-basic-product-tiers-campaign-fact-sheet?language=en">silver or gold</a> cover to avoid the surcharge. Under the proposed changes, people who pay the 2% surcharge would also no longer receive any rebate, which currently reduces premiums by <a href="https://www.ato.gov.au/Individuals/Medicare-and-private-health-insurance/Private-health-insurance-rebate/Income-thresholds-and-rates-for-the-private-health-insurance-rebate/#Rebaterates1">about 8%</a> for people earning $108,001-$144,000. So, for a single person under 65, earning $108,001 and living in Victoria, the <a href="https://www.privatehealth.gov.au/dynamic/Search/">annual cost of buying</a> complying hospital cover would be at least $1,904 (without the rebate). Again, that varies slightly between states and territories. But the cost of not insuring and paying the Medicare Levy Surcharge instead would go up to $2,160 (2% of $108,001). <h2>Is this a good idea?</h2> However, <a href="https://melbourneinstitute.unimelb.edu.au/publications/working-papers/search/result?paper=4682822">our research</a>, out earlier this year, suggests increasing the Medicare Levy Surcharge will not meaningfully increase take-up of private health insurance. We’ve shown that people do not respond as strongly to the surcharge as theory would predict. For example, when the surcharge kicks in, we found the probability of insuring only increases modestly from about 70% to 73% for singles, and about 90% to 91% for families. It is generally cheaper to buy private health insurance than to pay the surcharge. However, we found about 15% of single people with an income of $108,001 or above don’t insure despite it being cheaper than paying the Medicare Levy Surcharge. We don’t know precisely why. Maybe people are not sure of the financial benefit due to changes in their income, or if they are, cannot be bothered, or do not have time, to explore their options. Maybe, as <a href="https://www.reddit.com/r/AusFinance/comments/x2909w/does_anyone_else_willingly_pay_the_medicare/">anecdotal reports suggest</a>, rather than buying private health insurance, some people would rather support the public system by paying the Medicare Levy Surcharge. The point is, people who are not buying private health insurance appear to be highly resistant to financial incentives. So stronger penalties might have little effect. Instead, we propose the Medicare Levy Surcharge be better targeted to true high-income earners. We can do that by increasing income thresholds for the surcharge to kick in, which are then indexed annually to reflect changes in earnings. <h2>How about needing more expensive cover?</h2> Requiring people to choose silver level cover or above would address criticisms about people buying “<a href="https://theconversation.com/getting-rid-of-junk-health-insurance-policies-is-just-tinkering-at-the-margins-of-a-much-bigger-issue-82749">junk</a>” private health insurance they never intend to use. However, people may be buying this type of product because private health insurance has little value to them. Requiring them to spend even more on a product they don’t want is a roundabout way of taking pressure off the public system. So we propose keeping the current level of hospital cover required to avoid the surcharge, rather than increasing it. <h2>Who loses?</h2> Taken together, the cost of these proposed changes would disproportionately fall on people with little to gain from private health insurance. These include younger people, those living in regional areas who do not have access to private hospitals, or those who prefer to support the public system directly. These groups are the least likely to use private insurance so have the least to gain from upgrading their cover. <h2>Where to next?</h2> The report also recommends keeping <a href="https://www.ato.gov.au/Individuals/Medicare-and-private-health-insurance/Private-health-insurance-rebate/">health insurance rebates</a> (a government contribution to your premiums), the <a href="https://www.ato.gov.au/Individuals/Medicare-and-private-health-insurance/Private-health-insurance-rebate/Lifetime-health-cover/">Lifetime Health Cover</a> loading (to encourage people to take out hospital cover while younger), as well as the Medicare Levy Surcharge. We also support keeping these three in the short to medium term. But we recommend gradually reducing public support for private health insurance. We believe the ultimate goal of reforming private health insurance is to optimise the overall efficiency of the health-care system (both public and private systems) and improve population health while saving taxpayers’ money. The goal should not be merely increasing the take-up of private health insurance, which is the focus of the current report. So, as well as our recommendation to better target the Medicare Levy Surcharge, we need to: <ul> <li> lower income thresholds for <a href="https://theconversation.com/the-private-health-insurance-rebate-has-cost-taxpayers-100-billion-and-only-benefits-some-should-we-scrap-it-181264">insurance rebates</a>, especially targeting those on genuinely low incomes. This means lower premiums only for the people who can least afford private health care </li> <li> remove rebates <a href="https://theconversation.com/private-health-insurance-premiums-should-be-based-on-age-and-health-status-122545">based on age</a> as higher rebates for older people <a href="https://www.tandfonline.com/doi/abs/10.1080/13504851.2017.1299094?journalCode=rael20">do not</a> encourage more to insure. Rebates should be tied to just income, which is a better indicator of financial means.<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/210981/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> </li> </ul> <a href="https://theconversation.com/profiles/yuting-zhang-1144393">Yuting Zhang</a>, Professor of Health Economics, <a href="https://theconversation.com/institutions/the-university-of-melbourne-722">The University of Melbourne</a> and <a href="https://theconversation.com/profiles/nathan-kettlewell-903866">Nathan Kettlewell</a>, Chancellor's Postdoctoral Research Fellow, Economics Discipline Group, <a href="https://theconversation.com/institutions/university-of-technology-sydney-936">University of Technology Sydney</a> Image credits: Getty Images This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/private-health-insurance-is-set-for-a-shake-up-but-asking-people-to-pay-more-for-policies-they-dont-want-isnt-the-answer-210981">original article</a>.

Money & Banking

Sandra Bullock mourns the passing of her longtime partner after private illness

Hollywood star Sandra Bullock's beloved partner, Bryan Randall, has passed away at the age of 57, with the heart-wrenching news confirmed by his grieving family in a statement shared on Monday. “It is with great sadness that we share that on Aug. 5, Bryan Randall passed away peacefully after a three-year battle with ALS,” the statement read. “Bryan chose early to keep his journey with ALS private and those of us who cared for him did our best to honour his request. We are immensely grateful to the tireless doctors who navigated the landscape of this illness with us and to the astounding nurses who became our roommates, often sacrificing their own families to be with ours. At this time we ask for privacy to grieve and to come to terms with the impossibility of saying goodbye to Bryan.” The statement was signed with a poignant, "His Loving Family". Amyotrophic lateral sclerosis (ALS), also known as Lou Gehrig’s Disease, is a merciless neurological affliction that ravages motor neurons that command delicate voluntary muscle movement. Regrettably, there is currently no remedy for the condition. Bullock, aged 59, crossed paths with model-turned-photographer Randall when he was summoned to capture her son Louis’ birthday celebration in the early days of 2015. Their connection was immediate and profound. The mother-of-two, and an actress who has fiercely guarded her privacy over the years, chose to unveil fragments of her relationship's intimacy during a candid appearance on Red Table Talk in 2021. “I found the love of my life. We share two beautiful children — three children, [Randall’s] older daughter. It’s the best thing ever,” Bullock said at the time. “I don’t wanna say do it like I do it, but I don’t need a paper to be a devoted partner and devoted mother … I don’t need to be told to be ever present in the hardest of times. I don’t need to be told to weather a storm with a good man.” She added that Randall was also a superb “example” to her two children: “He’s the example that I would want my children to have... I have a partner who’s very Christian and there are two different ways of looking at things. I don’t always agree with him, and he doesn’t always agree with me. But he is an example even when I don’t agree with him... I’m stubborn but sometimes I need to sit back and listen and go, ‘You’re saying it differently but we mean exactly the same thing.’ “It’s hard to co-parent because I just want to do it myself.” "He was so happy, but he was scared. I'm a bulldozer. My life was already on the track, and here's this beautiful human being who doesn't want anything to do with my life but the right human being to be there." Images: Getty

Caring

Balmain Private: A decade of trust and success

Having celebrated its 10th anniversary in 2022, Balmain Private has firmly established itself as one of Australia's most reliable investment options. Since its inception in 2012, the company has consistently delivered impressive results, making it a trusted choice for individuals and advisers alike. With a track record of $244 million in interest paid to investors – and with an even more impressive capital loss of zero dollars – Balmain Private has demonstrated its commitment to delivering solid returns. Over the past decade, investors have enjoyed an average annual return of 7.56%*, with the highest reaching an outstanding 11.25% net return*. What sets Balmain Private apart is its unique approach to investment. The company empowers investors by allowing them to build, select, and manage their own portfolio of first mortgage loans. This flexibility appeals to a wide range of investors, including Retail, High Net Worth and Self-Managed Superannuation Fund investors, who seek alternative income sources beyond traditional options. At Balmain Private, the approval process for investment offerings is highly meticulous. Only the best loans make it to the investors, ensuring a carefully curated selection that prioritises quality and performance. Remarkably, more than 20% of loans repaid have exceeded the target return rate, while the rest have consistently met their target rate of return. Investing with Balmain Private is not only rewarding but also convenient. The entire process can be completed online, allowing investors to transact at their leisure. Whether on a PC, tablet or smartphone, investors have easy access to their portfolio. Additionally, Balmain Private offers a Mobile App that enables investors and advisers to manage, invest and review their portfolio on the go. The app allows for seamless depositing or redeeming of funds and provides downloadable reports right on your mobile device. To further enhance transparency and control, investors or their advisers can manage their portfolio through an intuitive online investor portal. This portal provides comprehensive details on current investments, capital movements, income distributions and transactions, ensuring that investors stay well-informed every step of the way. If you're ready to explore the opportunities offered by Balmain Private, you can download their complimentary <a href="https://info.balmain.com.au/rs/929-AKB-976/images/BPD%205727%20Target%20Market%20Determination.pdf" target="_blank" rel="noopener">Target Market Determination</a> (TMD), their <a href="https://info.balmain.com.au/FactSheetOrder-Over60_01LandingHomepage.html?utm_source=Over60&utm_medium=Editorial&utm_campaign=June&utm_content=Editorial_TextLink" target="_blank" rel="noopener">Investor Fact Sheet</a>, or get in touch with their Investments Team at 02 9232 8888. For more detailed information, you can also visit their library of materials at <a href="https://linktr.ee/balmainprivate" target="_blank" rel="noopener">https://linktr.ee/balmainprivate</a>. Balmain Fund Administration Limited, with ABN 98 134 526 604 and AFSL No: 333213, serves as the issuer of units in the Balmain Discrete Mortgage Income Trusts ARSN 155 909 176. Before making any investment decision, it is crucial to read the Product Disclosure Statement (PDS) and the Target Market Determination (TMD) available on the company's website or by calling 02 9232 8888. It's important to carefully consider whether investing in the Trust aligns with your financial goals, as rates of return are not guaranteed and are subject to future revenue, which may be lower than expected. As with any investment, there is a risk of losing some or all of the principal investment. However, Balmain Private's exceptional track record and commitment to investor satisfaction provide a solid foundation for a successful investment journey. Choose Balmain Private for your chance to embark on another decade of trust and prosperity. Image: Shutterstock This is a sponsored article produced in partnership with Balmain Private. *Since inception. Past performance is not indicative of future performance. Investors should consider the risk associated with any Loan as set out in the PDS and any relevant Supplementary PDS (SPDS) pertaining to that Loan.

Money & Banking

Australia’s richest schools revealed

Funding in education is a divisive topic at the best of times, but with new data from the Australian Curriculum, Assessment and Reporting Authority’s MySchool, the divide between public and private school has never been more apparent. With five years’ worth of financial data at its disposal, news.com.au ranked Australia’s schools by wealth in each state, and by combining each institution’s gross income across its fees, its government funding, and the likes of donation income. According to the study, the top five wealthiest schools in New South Wales were - from first to fifth - Wahroonga’s Knox Grammar School, Darlinghurst’s Sydney Grammar School, Hornsby’s Barker College, Bellevue Hill’s The Scots College, and Pymble’s Pymble Ladies’ College. The results also revealed that New South Wales’ wealthiest school - Knox Grammar School - has gained more money through fees, funding, and donations over the course of five years than the total economic output of five of Australia’s Pacific island neighbours. Non-government schools account for 56 of the state’s richest, with Cherrybrook Technology High School - a secondary school in northwest Sydney - the highest-earning public school. Victoria’s top five were Keysborough’s Haileybury College, Melbourne’s Wesley College, St Kilda East’s Caulfield Grammar School, Kew’s Carey Baptist Grammar School, and Ivanhoe’s Ivanhoe Grammar School. And Victoria’s richest - Haileybury College - has more money than the bottom 300 schools combined, according to new data, with a staggering five-year income of $677m. However, it has also been reported that many Victorian state schools receive more per student from the government than the top private schools. Similar to Victoria, Queensland’s top five made more money over a five year period than the bottom 300, prompting renewed calls for the state and federal governments to negotiate on school funding. And those top five were Brisbane’s Brisbane Grammar School, East Brisbane’s Anglican Church Grammar School, Indooroopilly’s St Peters Lutheran College, Reedy Creek’s King’s Christian College, and Brisbane’s Brisbane Girls Grammar School. South Australia’s top five were St Peters’ St Peters’ College, Somerton Park’s Sacred Heart College, Marion’s Westminster School, Findon’s Nazareth Catholic College, and Kent Town’s Prince Alfred College. The findings revealed that some of the inner-city colleges were bringing in up to 100 times more than their country school counterparts, and that St Peter’s College could boast a five-year gross income of almost a quarter of a billion dollars. Meanwhile, at small town Port Neill Primary School on the Eyre Peninsula, the gross income for the same period came in at just over $2.5m. Tasmania’s top five were North Hobart’s The Friends’ School, Prospect Vale’s St Patrick’s College, Newstead’s Scotch Oakburn College, Sandy Bay’s The Hutchins School, and Launceston’s Launceston College. And Tasmania’s richest, The Friends’ School, was revealed to be raking in over $158.3m over five years, with an astounding average cost per student of $29,070. The Northern Territory’s top five wealthiest schools were The Garden’s Darwin High School, Humpty Doo’s Taminmin College, Howard Springs’ Good Shepherd Lutheran College, Wadeye’s Our Lady of the Sacred Heart Thamarrurr Catholic College, and Rapid Creek’s The Essington School. Darwin High School had a gross income of $118.1m, while the region’s second wealthiest - Taminmin College - had one just shy of the former’s at $118m. However, Tipperary Station School had the lowest gross income of any of the territory’s schools, bringing in just $2.1m. Western Australia’s top five were Claremont’s Christ Church Grammar School, Wembley Downs’ Hale School, Swanbourne’s Scotch College, Karrinyup’s St Mary’s Anglican Girls’ School, and Duncraig’s St Stephen’s School. And last but not least, the Australian Capital Territory’s five richest schools were Red Hill’s Canberra Grammar School, Bruce’s Radford College, Deakin’s Canberra Girls Grammar School, Isabella Plains’ St Mary MacKillop College, and Pearce’s Marist College Canberra. Images: Facebook

Money & Banking

5 things to enjoy on Kangaroo Island

There’s plenty to love in this South Australian gem. Here are just five things you can enjoy on a visit to Kangaroo Island. 1. Eat, drink and be merry Kangaroo Island might only be tiny, but it’s absolutely stuffed with gourmet food and top notch wine. Take the Kangaroo Island Farm Gate and Cellar Door Trail to discover farm gates, artisan producers, wineries and breweries. Don’t miss unique Ligurian honey, fresh oysters and marron, chocolate lavender fudge, sheep’s milk cheese and rich olive oil. 2. Walk with the animals As the name suggests, you’ll find lots of kangaroos on Kangaroo Island – western greys to be precise. But that’s just the beginning. Walk among a colony of around 1,000 Australian sea lions (one of the rarest species in the world) at Seal Bay. Little penguins will start waddling along the shore from April and glossy black cockatoos will be nesting above. Look out for shy echidnas, sleepy koalas and the tiny rabbit-sized Tamar wallaby. 3. Head out onto the water As soon as you arrive on Kangaroo Island, you’re going to want to get right off it again and back out into the water. Take an ocean safari to spot seals, sea lions and dolphins – you can even jump off and snorkel among them. Fishing charters will head out into the deeper waters off the coast in search of King George whiting, snapper, trevally, tuna and more. If you’re a surfer, you’ll fall in love with the uncrowded breaks of the island’s five main surf spots. There’s something for all levels of experience. 4. Get your heart racing There are a lot of adventure to be had on Kangaroo Island. Jump on a quad bike to explore inaccessible parts of the island, climb the dunes of the Little Sahara for some sandboarding or explore incredible natural underground formations with a canyoning and caving expedition. For something a little more sedate, there are plenty of walking and hiking trails winding through the island. 5. Indulge in a luxury lodge One of the most luxurious hotels in Australia (and in the world) is tucked away on the southwestern shore of the island atop dramatic ocean cliffs. Southern Ocean Lodge has just 21 rooms with lavish interiors, bespoke furniture and sweeping views. The restaurant serves up exceptional ‘paddock to plate’ cuisine and the award-winning spa will have you floating on a cloud. Image credit: Instagram / Shutterstock

Domestic Travel

Disturbing footage of dingo attacks revealed

Disturbing footage of dingo attacks have been released by rangers following multiple attacks in a popular camping spot that occurred just weeks apart. Tourists have been warned to be wary of the wild animals after shocking footage emerged of a tourist being nipped while sunbathing. The video comes just weeks before a 10-year-old boy was attacked and dragged underwater by a dingo at K’gari Island – formerly known as Fraser Island – on June 16. The boy sustained puncture wounds to his shoulder and bruises to his collarbone because of the accident, which happened in front of a popular camping spot on the island. “The boy’s 12-year-old-sister who was nearby reacted quickly and ran to assist him,” Assistant principal ranger Danielle Mansfield said. “The family treated the boy for puncture wounds to his shoulder and arms and scratches and bruises on his collarbone and arm.” Mansfield also said that rangers were closely monitoring the dingo responsible for the attack, which had blood splatters across its face and paws following the attack, although there are currently no plans to euthanise it. Two months ago, a similar attack occurred where a primary school-aged girl was<a href="https://www.oversixty.com.au/news/news/child-hospitalised-from-dingo-attack" target="_blank" rel="noopener"> hospitalised following a dingo attack</a> while swimming. The girl suffered bites to her head and fingers after the dingo attempted to drag her underwater. Rangers have also released dashcam footage of another dingo chasing a young boy and an adult male, in an area close to where the 10-year-old boy was attacked, just two weeks before the unfortunate incident. The dingo was euthanised for “poor behaviour”. This comes a few weeks after another dingo was euthanised following a string of attacks, including a sunbathing tourist, a seven-year-old boy and a 42-year-old woman. Dingoes are native to K’gari Island, but a few of them fail to show any wariness towards people, and are increasingly brazen as a result of people deliberately or unintentionally feeding them, rangers said. “We have increased patrols in the region to monitor the wongari’s (dingo’s) behaviour and pass on dingo-safe messaging to campers and visitors,” Mansfield said. “These animals are capable of inflicting serious harm, and they have bitten children and adults, and some are quite brazen and are not fleeing when yelled at or when someone brandishes a stick.” “People think it won’t happen to them, but it can happen to anyone and that’s why rangers are providing dingo-safe information to as many people as possible,” she added. “We don’t want any incidents on K’gari, and people must understand that dingoes are wild animals and should never be fed or interacted with.” Images: Queensland Department of Environment and Science / News.com.au

Travel Trouble

Reality TV star welcomes identical twin girls

Reality TV star Dani Dyer has welcomed two baby girls with her partner, footballer Jarrod Bowen. The Love Island UK winner, who won the show in 2018 with her ex-partner Jack Fincham in 2018, shared the happy news on her Instagram on Thursday. Dani didn't reveal the identical twin girls' names, but confirmed the date of their birth, May 22nd, in the caption. Dani is already mum to Santiago, two, who she shares with with ex Sammy Kimmence. Her Love Island UK co-stars were quick to send their congratulations, with season one winner Cara De La Hoyde writing, "Congratulations Dan they are beautiful ❤️." "Congratulations to your beautiful family ❤️," Zara McDermott added, while season four winner Molly-Mae Hague added, "Congratulations beautiful 😭😭😭." Dani is the daughter of English actor and presenter Danny Dyer, who's well known for his role in British soap EastEnders. Dani shared the news of her pregnancy with a sweet announcement post, showing her son Santiago holding a letter board with the ultrasound pictures of her new babies. <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/p/CnpWIihrD1x/?utm_source=ig_embed&utm_campaign=loading" data-instgrm-version="14"> <div style="padding: 16px;"> <div style="display: flex; flex-direction: row; align-items: center;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 40px; margin-right: 14px; width: 40px;"> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 100px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 60px;"> </div> </div> </div> <div style="padding: 19% 0;"> </div> <div style="display: block; height: 50px; margin: 0 auto 12px; width: 50px;"> </div> <div style="padding-top: 8px;"> <div style="color: #3897f0; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: 550; line-height: 18px;">View this post on Instagram</div> </div> <div style="padding: 12.5% 0;"> </div> <div style="display: flex; flex-direction: row; margin-bottom: 14px; align-items: center;"> <div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(0px) translateY(7px);"> </div> <div style="background-color: #f4f4f4; height: 12.5px; transform: rotate(-45deg) translateX(3px) translateY(1px); width: 12.5px; flex-grow: 0; margin-right: 14px; margin-left: 2px;"> </div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(9px) translateY(-18px);"> </div> </div> <div style="margin-left: 8px;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 20px; width: 20px;"> </div> <div style="width: 0; height: 0; border-top: 2px solid transparent; border-left: 6px solid #f4f4f4; border-bottom: 2px solid transparent; transform: translateX(16px) translateY(-4px) rotate(30deg);"> </div> </div> <div style="margin-left: auto;"> <div style="width: 0px; border-top: 8px solid #F4F4F4; border-right: 8px solid transparent; transform: translateY(16px);"> </div> <div style="background-color: #f4f4f4; flex-grow: 0; height: 12px; width: 16px; transform: translateY(-4px);"> </div> <div style="width: 0; height: 0; border-top: 8px solid #F4F4F4; border-left: 8px solid transparent; transform: translateY(-4px) translateX(8px);"> </div> </div> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center; margin-bottom: 24px;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 224px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 144px;"> </div> </div> <p style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; line-height: 17px; margin-bottom: 0; margin-top: 8px; overflow: hidden; padding: 8px 0 7px; text-align: center; text-overflow: ellipsis; white-space: nowrap;"><a style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: normal; line-height: 17px; text-decoration: none;" href="https://www.instagram.com/p/CnpWIihrD1x/?utm_source=ig_embed&utm_campaign=loading" target="_blank" rel="noopener">A post shared by ♡ Dani Dyer ♡ (@danidyerxx)</a> </div> </blockquote> "We have been keeping a little secret... Our little TWINS!" she wrote. "So excited to meet our babies and watch Santi be the best big brother.. The biggest surprise of our lives but feeling SO blessed.. our family is getting a lot bigger and we can’t wait." Just weeks after announcing the pregnancy, Dani confirmed the gender of their babies in another Instagram post. "A lot of you have been asking on the gender of our babies and we are so excited to share with you all that we are having identical twin girls. Half way our little darlings." Image credits: Instagram

Family & Pets

Pirates of the Caribbean island up for sale

A Bahamian island, which was the backdrop for two iconic blockbuster films, is now up for sale for the eye-watering price of $150m. The island, known as Little Pipe Cay, was used as a backdrop for two Hollywood films: Pirates of the Caribbean: The Curse of the Black Pearl and Casino Royale, a film in the James Bond franchise. Spanning across over 40 acres of land, the island boasts stunning white-sand beaches and what locals refer to as “Bombay-Sapphire Blue” waters. The main property has 11 bedrooms, 12 bathrooms and four cottages, it’s basically like having a private mini resort. The property also has a deepwater dock that’s big enough for a superyacht, so you can host boat parties or simply cruise around with your peers. The lucky buyer will feel like they are on a never-ending getaway, as they can escape into the gardens or take a dip into the Olympic-sized infinity pool, the perfect place to appreciate the stunning tropical scenery. For those looking for some indoor activities, the island also offers a gym and spa, in the fully staffed island so that you will never need to lift a finger. The island is also home to many exotic plants and animals, including dolphins and sea turtles, so for those nature lovers it’s the perfect place to reconnect with mother nature. Alternatively, if you decide you’re bored of the same views, you can hop on a helicopter and fly off to another island or country, as the island also has a helipad for your travelling needs. Images: realestate.com.au/ Engel & Völkers Bahamas/ Getty

Real Estate

Jock Zonfrillo's wife's touching words at private funeral

Late Masterchef judge Jock Zonfrillo has been laid to rest by his loved ones at a private funeral in Sydney. His wife, Lauren Fried, was there with their four children - Eva, Sophie, Alfie, And Isla - as well as other members of the late chef’s family, who had flown in from Scotland and the United States to pay their respects. Zonfrillo’s Masterchef co-hosts Melissa Leong and Andy Allen could also be spotted in pictures that circulated online after the service, alongside the likes of fellow Scot Jimmy Barnes, and chefs George Colombaris, Manu Feidel, Colin Fassnidge, Miguel Maestre, and Matt Moran. Barnes was later joined by his daughter, Mahalia, and the two performed a touching rendition of ‘Amazing Grace’ for the service. Lauren led their small procession of mourners into the chapel, with tartan draped across a shoulder, as an indigenous smoking ceremony took place, and bagpipes were played. Pictures revealed that Zonfrillo’s coffin had been adorned with the Royal Banner of Scotland, and topped with a bouquet of white roses and orchids. It was a heartbreaking scene to witness, but it was Lauren’s words within the chapel that have struck a chord with mourners, as she paid tribute to her late husband. “We are two halves that found each other at the exact moment in life when we were ready,” she said, according to The Daily Mail. “We were ready for that big love to live a life of adventure, to become parents together, to imagine extraordinary things and to actually make them happen.” Zonfrillo’s daughter Ava - one of two from a former relationship - added that “it goes without saying that at the heart of everything you did was family. “And one of the hardest things to accept is that you won’t be here to see ours grow.” And to everyone, they added, “for those who crossed his path and became his mate or were lucky enough to be in this family, keep this proud Scot in your heart when you have your next whisky.” No wake was held after the funeral, with one attendee informing The Daily Mail that “the family just wants it to happen without any of the attention his death has attracted, which has understandably been overwhelming. “They're trying to keep it as personal as they can. It's critical they be given the space to do that.” Images: Instagram

Caring

Glorious private island hits the market

A private island, sitting on about 27 hectares of land with a magnificent home offering 360-degree views of the water, has been posted online for sale. The “luxury bespoke” property was built with high-end finishes, and designed so “abundant sunshine reaches every inch of the home”. “It’s an incredible opportunity. There’s a fantastic panorama, the water surrounding you. It’s a pretty awesome part of the world,” Peterswald For Property agent Nick Morgan said. Located on Ram Island in Little Swanport, Tasmania, the property is suited to those looking to get away from the chaos of the city, he said. It offers two kitchens, three bedrooms, a study, a media room and two bathrooms. Peterswald For Property has listed it for $7 million dollars. “Harmonious indoor to outdoor living transitions from the main lounge and dining to a wrap-around north-facing timber deck, from where the views are simply magical and unmatched,” the online advertisement read. The home has been designed with an eco-friendly mindset and is supposed to be completely self-contained with 45kW solar, and 250,000-litre capacity water tanks. Visitors can access the island via boat with private jetty access. “Entertain within complete seclusion anywhere on the island, where birdlife visitors include oystercatchers, rosellas, white-bellied sea eagles, wedge-tailed eagles, and owls. Wallabies and kangaroos also appear frequently,” the advertisement said. “Take a short stroll from the main house to the water’s edge, via the outdoor fire pit, where dolphins and seals are known to frequent close to the shore.” Morgan revealed the current owner had purchased the piece of land on Tasmania’s east coast about 20 years ago, and the home has never been lived in. “We’ve had some good inquiries. Our marketing reach has been fantastic. I’ve had a number of inquiries from both local and interstate people,” he said. Image credit: Peterswald For Property

Real Estate

Remote Scottish island hits the market

If you’ve ever dreamt of escaping the rat race and living a life of complete isolation, then look no further. A remote island situated off the southern coast of Scotland, Carlocco Island is up for sale, priced at offers over £150,000 ($A280,317). “There’s still a very romantic sentiment attached to owning your very own Scottish private island, where you can escape the hustle and bustle of everyday life and enjoy some peace and tranquillity in the most beautiful scenery around,” Aaron Edgar of Galbraith Group, the agent handling the sale, said in a statement. The nearest town is almost 10km away with the closest train station Dumfries an hour bus ride from that town. London is more than 563km away with Edinburgh over 160km away. With lush green grass and rocky outcrops reaching the sea, the island covers an area of around 10 hectares, but there are no buildings, only a flood pond providing water to livestock and wildlife in the colder months. According to the listing, no one has ever applied for permission to build on the island, so it would be up to the buyer to investigate any development possibilities with local authorities. At low tide, the island can be reached on foot, by tractor or quad bike. As for the rest of the time, a boat is required for travel, with a pebble beach for them to be anchored, “the perfect base to explore the island, partake in some cold water swimming…and enjoy a waterside picnic,” Edgar said. The island sits in a Site of Special Scientific Interest, an area in the UK defined as of particular interest due to the rare species of fauna and flora it’s home to, and is also a shelter for all types of wildlife, including great black-backed gulls, and rare plants like rock sea lavenders and fragrant orchids. Mr Edgar expects a lot of interest in the unique property, “We have witnessed strong demand from domestic and international parties for entire private islands, having handled the sale of several in Scotland,” he said. Image credit: Galbraith Group

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