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Huge reward to help solve cold case of missing mum

<p>Police are offering a $500,000 reward for information to help solve a cold case that suspect was a murder. </p> <p>Tammy Lisa Dyson, also known as Tamela Menzies, was 23 when went missing from the Currumbin area in 1995. </p> <p>The mother of two was picked up from a drug rehab clinic by a woman claiming to be her sister on July 20, 1995 and has not been seen since. </p> <p>Dyson was born and raised in Victoria before moving to Brisbane in 1988, where she worked in the adult entertainment industry under the nickname "Pebbles". </p> <p>Police believe she began mixing with criminals and using drugs while working in strip clubs on the Gold Coast.</p> <p>In early 1995 Dyson arranged for her young sons, Jyles and Rainey, to stay with their grandmother in Victoria temporarily.</p> <p>A few months later she made a distressed call to her sister Olivia, who said she had been assaulted. </p> <p>Olivia and her partner then dropped Dyson off to a drug rehabilitation centre at Currumbin on the Gold Coast, and on July 20, 1995 she was picked up by someone claiming to be her sister. </p> <p>The following day, Tammy completed a statutory declaration signed by a Justice of the Peace in Tweed Heads, giving custody of her children and her possessions to her mother.</p> <p>She also called her sister one last time, with Olivia recalling that Tammy "didn't sound like herself" and she had mentioned underworld figures. </p> <p>Police have received a number of reported sightings of Tammy since 1995 but all proof of life inquiries have been proven negative.</p> <p>In 2012, the Queensland coroner said that they believed Tammy was deceased and indicated that she may have been a victim of violence, although a certain date, time and cause of death have not been determined. </p> <p>Police are now offering the huge reward for new information and immunity from prosecution for any accomplice who comes forward.</p> <p>"Tammy associated with criminals that were known to police and vanished without a trace after giving custody of her children and possessions to her mother; we believe the circumstances of her disappearance is suspicious," Detective Senior Sergeant Tara Kentwell said.</p> <p>On Wednesday, her sons, who were only three and one when their mother disappeared, made an emotional appeal for public help to find her. </p> <p>"Growing up without mum and not knowing what happened to her has been very hard," Jyles Lebler said through tears during a media conference. </p> <p>"Whoever has picked her up, I'm not saying they have done something but they must know something bad has happened."</p> <p>"We hope we find out what to mum to give grandma some closure before it's too late," Rainey added.</p> <p><em>Images: Queensland Police</em></p>

Legal

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

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

Money & Banking

‘To truly forget life for a while – a reprieve and a reward’: why Australians love going to the cinema

<p><em><a href="https://theconversation.com/profiles/ruari-elkington-105955">Ruari Elkington</a>, <a href="https://theconversation.com/institutions/queensland-university-of-technology-847">Queensland University of Technology</a></em></p> <p>Australians have had plenty of time in the last 100 years to work out what they value about cinema-going and why it matters. Head to any cinema and catch the Val Morgan advertising in the pre-show. Take a closer look at the date the company was founded. Not 1984, <a href="https://en.wikipedia.org/wiki/Val_Morgan">but 1894</a>. That’s more than 125 years of “Making Messages Memorable” on Australian screens.</p> <p>We have a deep and abiding love for cinema in this country. Over the last century, the experience of going to the movies has both shifted significantly (<a href="https://villageroadshow.com.au/-/media/VRL-Corporate-Media-Library/Documents/Press-Releases/2017/5-December-Gold-Class-Celebrates-20-Years.pdf">we invented Gold Class, you know</a>) and somehow remained resolutely enduring in terms of appeal.</p> <p>My colleague Tess Van Hemert and I have spent the last two years <a href="https://research.qut.edu.au/dmrc/projects/resilient-screens-investigating-the-value-of-australian-cinema-exhibition/">researching</a> the cultures and practices of cinema-going and how cinema sites shape that experience.</p> <p>A typical response in our research was: "I love the cinema experience. It’s a bonding experience, if it’s good it’s an emotional and cathartic experience."</p> <h2>‘A reprieve and a reward’</h2> <p>Cinemas <a href="https://www.bfi.org.uk/industry-data-insights/reports/measuring-economic-value-cinema-venues">are a catalyst</a> for social, cultural and economic activity wherever they operate, from single-screen regional sites to major multiplexes in suburban shopping malls. Cinema, our participants said, is the “ideal” way to watch a movie: "I like to sit as close as I can to the screen so that the ‘real’ world is completely blocked out. I am immersed in & in awe of the film only. To truly forget life for a while – a reprieve & a reward."</p> <p>Cinemas also mirror communities back to themselves. We may go in alone, as a couple or with family and friends, but in the cinema we form a community.</p> <p>When reflecting on returning to the cinema between COVID lockdowns, one person spoke of seeing American Utopia "There were only about 10 people in the cinema. We didn’t know each other but we all started spontaneously dancing, first in our seats, and then everyone ran down to the floor in front of the screen to dance together. It was like a mini music festival when live music was banned."</p> <p>Despite the cost, despite the hassle, despite the need to leave the couch, Australians turn up time and time again to cinemas. In 2023, the Australian box office generated nearly <a href="https://if.com.au/australian-box-office-neared-1b-in-2023/">A$1 billion</a> (although this is down on <a href="https://variety.com/2020/film/asia/australia-annual-box-office-drops-1203476275/">pre-COVID figures</a>). Four of the top ten highest grossing films of all time in Australia have been released <a href="https://www.valmorgan.com.au/2022-at-the-movies">since the pandemic began</a>. Australian census data tells us cinema-going remains Australia’s <a href="https://www.abs.gov.au/statistics/people/people-and-communities#:%7E:text=44%25%20of%20people%20attended%20the,popular%20cultural%20venue%20or%20event">most popular</a> cultural activity.</p> <h2>‘Being able to switch off’</h2> <p>When cinemas face closure – or shut temporarily, as they did during the pandemic – the outpouring of community support can galvanise a community and remind them of all the times and ways in which they valued that access to that experience.</p> <p>One participant spoke of seeing their first film in the cinema after the pandemic: "It made me appreciate the whole cinema experience more. Getting out and being able to switch off was a welcome change."</p> <p>In our research, we observed how cinemas began to <a href="https://www.palacecinemas.com.au/blog/the-cinema-why-we-love-it/">articulate</a> their value to community through the pandemic period of forced closures.</p> <p>In the <a href="https://eprints.qut.edu.au/243758/">large-scale national audience research</a> we conducted in partnership with Palace Cinemas the value audiences derive from cinema-going was as diverse as the programming.</p> <p>They remembered specific films, such as watching the opening credits of Force Awakens with a crowd of avid fans, or feeling like they were “experiencing summer in Italy” while watching Call Me By Your Name.</p> <p>They focused on memories of the people they were with, such as feeling “all grown up” while seeing arthouse films with their dad when they were a kid.</p> <h2>‘Float in the memory’</h2> <p>They spoke about the feelings they had before during and after the screening and the experience overall. One respondent wrote of loving the end of a film: "the quiet few minutes as the credits roll and you float in the memory of the film. This only happens for me when I see it in the cinema."</p> <p>Another participant spoke about leaving the cinema and: "doing a walk around the block thinking about the movie, still thinking about the movie driving home."</p> <p>One participant said they love “being able to have respectful (unbothered) alone time publicly”.</p> <p>Clear in this data is that memorability – and the experience of cinema – is far more nuanced than the simple appeal of watching a big film in a big room on a big screen. Cinemas continue to serve Australian communities in far more complex way than simply movies and popcorn.</p> <p>Cinema has always battled headwinds. Since radio, cinema has constantly faced in-home entertainment technology that was supposed to knock it over completely – TV, colour TV, cable, satellite, VHS, DVDs and now streaming. Each time, the desire for people to come together in a space and watch something unique in a way they can’t find anywhere else, with a level of engagement they can’t find anywhere else, has prevailed. We all have a kitchen at home, but we still love going out to restaurants.</p> <p>Disney, Warner Bros and Australia’s own Birch Carrol and Coyle all celebrated 100 years of operation in 2023. To sustain another century, more research is needed to better understand how cinema-going must continue to evolve to meet shifting audience expectations.<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/222597/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /></p> <p><em><a href="https://theconversation.com/profiles/ruari-elkington-105955">Ruari Elkington</a>, Senior Lecturer in Creative Industries & Chief Investigator at QUT Digital Media Research Centre (DMRC), <a href="https://theconversation.com/institutions/queensland-university-of-technology-847">Queensland University of Technology</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/to-truly-forget-life-for-a-while-a-reprieve-and-a-reward-why-australians-love-going-to-the-cinema-222597">original article</a>.</em></p>

Movies

Body language expert breaks down royal family's Christmas card

<p>A body language expert has broken down the subtle meanings and messages hidden in the royal family's Christmas card. </p> <p>On Monday, Prince William and Kate Middleton shared their 2023 Christmas card portrait, which features the Prince and Princess of Wales and their three children in a charming black and white photo. </p> <p>While their family portrait was met with <a href="https://oversixty.com.au/lifestyle/family-pets/blah-brutal-reactions-to-royal-family-s-2023-christmas-card" target="_blank" rel="noopener">mixed reactions</a>, royal fans wasted no time in praising the family for their charming photo. </p> <p>Now, body language experts have dived deep into the real meaning behind almost unnoticeable actions taken by the royals in the pic. </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/p/C0pf0IXNv15/?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/C0pf0IXNv15/?utm_source=ig_embed&utm_campaign=loading" target="_blank" rel="noopener">A post shared by The Prince and Princess of Wales (@princeandprincessofwales)</a></p> </div> </blockquote> <p>Body language analyst Judi James told <em><a href="https://www.thesun.co.uk/royals/24997829/kate-william-christmas-card-body-language-signal/" target="_blank" rel="nofollow noopener" data-ylk="slk:The Sun;elm:context_link;itc:0" data-rapid_p="26" data-v9y="1">The Sun</a></em> that, "The strong sense of tight, loving ‘uniformed’ grouping and the stark monochrome, plus the relaxed and confident body language looks like the emotional equivalent of them having a moat and drawbridge around them."</p> <p>Judi went on to say that their choice of relaxed outfits - jeans and white button-up shirts - would be an intentional choice as they show "the strength and total confidence of the pared-down family brand here, without all the trimmings and trappings of their royal status."</p> <p>As she notes, "We know they look superb in formalwear and royal regalia but this is the casual and much more relatable version."</p> <p>Judi also claims that Prince William's slight head tilt "suggests a desire to be liked", while "Kate leans into William’s torso to make this a subtly romantic pose too."</p> <p>Meanwhile, according to Judi, the position of Princess Charlotte right in the middle of the family could be intentional, who says "Charlotte looks so much like the late Queen and this central status-rich pose and beautiful smile are like echoes of Elizabeth when she was young."</p> <p>"This effect doesn’t look deliberate but it is still a rather moving message from this family Christmas card."</p> <p><em>Image credits: Getty Images</em></p>

Body

"Blah": Brutal reactions to royal family's 2023 Christmas card

<p>Royal fans have shared their mixed reviews of the 2023 Christmas card portrait, featuring Prince William, Kate Middleton and their three children. </p> <p>The Prince and Princess of Wales shared their family photo to their Instagram account on Sunday, with the snap showing the royal family of five all dressed in similar outfits: simple black pants or jeans, and white button up tops.</p> <p>The photo, taken in black and white, shows Kate and William standing behind their three kids, while Prince George and Prince Louis standing around Princess Charlotte, who was seated for the photo. </p> <p>The post of their family Christmas card picture has racked up over 2 million likes, with thousands of people sharing their thoughts on the snap in the comments. </p> <blockquote class="instagram-media" style="background: #FFF; border: 0; border-radius: 3px; box-shadow: 0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width: 540px; min-width: 326px; padding: 0; width: calc(100% - 2px);" data-instgrm-captioned="" data-instgrm-permalink="https://www.instagram.com/p/C0pf0IXNv15/?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/C0pf0IXNv15/?utm_source=ig_embed&utm_campaign=loading" target="_blank" rel="noopener">A post shared by The Prince and Princess of Wales (@princeandprincessofwales)</a></p> </div> </blockquote> <p>Many were quick to comment on the similarities between the younger royals and their predecessors, with many stating that "Princess Charlotte looks like a young Queen Elizabeth", while others shared their thoughts on how much Prince Louis is looking like his mother. </p> <p>Despite many royal fans delighting over the card, there were some mixed reactions from others. </p> <p>Royal commentators online were quick to point out how this year's card, all in black and white, is a stark contrast to last year's photo, which shows the family walking hand-in-hand in the sunshine. </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/p/CmH_qcOtUx_/?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/CmH_qcOtUx_/?utm_source=ig_embed&utm_campaign=loading" target="_blank" rel="noopener">A post shared by The Prince and Princess of Wales (@princeandprincessofwales)</a></p> </div> </blockquote> <p>While acknowledging that the photo is objectively lovely of the family, some wish that the portrait had a bit more Christmas spirit. </p> <p>One person wrote on X, "This doesn’t look like a Christmas Card. Looks like a Vogue edit’s choice cover from the 90s. Beautiful but not Xmassy!"</p> <p>Another added that the image looked like it was "taken at a photo studio in a shopping mall," while another disappointed fan said it was "Kind of... Well, blah."</p> <p><em>Image credits: Getty Images</em></p>

Family & Pets

How risky is it to give card details over the phone and how do I reduce the chance of fraud?

<p><em><a href="https://theconversation.com/profiles/paul-haskell-dowland-382903">Paul Haskell-Dowland</a>, <a href="https://theconversation.com/institutions/edith-cowan-university-720">Edith Cowan University</a> and <a href="https://theconversation.com/profiles/ismini-vasileiou-1031778">Ismini Vasileiou</a>, <a href="https://theconversation.com/institutions/de-montfort-university-1254">De Montfort University</a></em></p> <p>Paying for things digitally is so common, most of us think nothing of swiping or tapping our card, or using mobile payments. While doing so is second nature, we may be more reluctant to provide card details over the phone.</p> <p>Merchants are allowed to ask us for credit card details over the phone – this is perfectly legal. But there are minimum standards they must comply with and safeguards to protect consumer data.</p> <p>So is giving your card details over the phone any more risky than other transactions and how can you minimise the risks?</p> <h2>How is my card data protected?</h2> <p>For a merchant to process card transactions, they are expected to comply with the <a href="https://docs-prv.pcisecuritystandards.org/PCI%20DSS/Standard/PCI-DSS-v4_0.pdf">Payment Card Industry Data Security Standard</a>. This is a set of security requirements designed to protect cardholder data and the trillions of dollars of transactions each year.</p> <p>Compliance involves various security measures (such as encryption and access controls) together with strong governance and regular security assessments.</p> <p>If the information stored by the merchant is accessed by an unauthorised party, encryption ensures it is not readable. That means stealing the data would not let the criminals use the card details. Meanwhile, access controls ensure only authorised individuals have access to cardholder data.</p> <p>Though all companies processing cards are expected to meet the compliance standards, only those processing large volumes are subject to mandatory regular audits. Should a subsequent data leak or misuse occur that can be attributed to a compliance failure, a <a href="https://www.csoonline.com/article/569591/pci-dss-explained-requirements-fines-and-steps-to-compliance.html">company can be penalised</a> at levels that can escalate into millions of dollars.</p> <p>These requirements apply to all card transactions, whether in person, online or over the phone. Phone transactions are likely to involve a human collecting the card details and either entering them into computer systems, or processing the payment through paper forms. The payment card Security Standards Council has <a href="https://docs-prv.pcisecuritystandards.org/Guidance%20Document/Telephone-Based%20Payments/Protecting_Telephone_Based_Payment_Card_Data_v3-0_nov_2018.pdf">detailed guides for best practice</a>:</p> <blockquote> <p>A policy should be in place to ensure that payment card data is protected against unauthorised viewing, copying, or scanning, in particular on desks.</p> </blockquote> <p>Although these measures can help to protect your card data, there are still risks in case the details are misplaced or the person on the phone aren’t who they say they are.</p> <h2>Basic tips for safe credit card use over the phone</h2> <p>If you provide card details over the phone, there are steps you can take to minimise the chance you’ll become the victim of fraud, or get your details leaked.</p> <p><strong>1. Verify the caller</strong></p> <p>If you didn’t initiate the call, hang up and call the company directly using details you’ve verified yourself. Scammers will often masquerade as a well-known company (for example, an online retailer or a courier) and convince you a payment failed or payment is needed to release a delivery.</p> <p>Before you provide any information, confirm the caller is legitimate and the purpose of the call is genuine.</p> <p><strong>2. Be sceptical</strong></p> <p>If you are being offered a deal that’s too good to be true, have concerns about the person you’re dealing with, or just feel something is not quite right, hang up. You can always call them back later if the caller turns out to be legitimate.</p> <p><strong>3. Use secure payment methods</strong></p> <p>If you’ve previously paid the company with other (more secure) methods, ask to use that same method.</p> <p><strong>4. Keep records</strong></p> <p>Make sure you record details of the company, the representative you are speaking to and the amount being charged. You should also ask for an order or transaction reference. Don’t forget to ask for the receipt to be sent to you.</p> <p>Check the transaction against your card matches the receipt – use your banking app, don’t wait for the statement to come through.</p> <h2>Virtual credit cards</h2> <p>In addition to the safeguards mentioned above, a <a href="https://www.forbes.com/advisor/credit-cards/virtual-credit-card-numbers-guide/">virtual credit card</a> can help reduce the risk of card fraud.</p> <p>You probably already have a form of virtual card if you’ve added a credit card to your phone for mobile payments. Depending on the financial institution, you can create a new credit card number linked to your physical card.</p> <p>Some banks extend this functionality to allow you to generate unique card numbers and/or CVV numbers (the three digits at the back of your card). With this approach you can easily separate transactions and cancel a virtual card/number if you have any concerns.</p> <h2>What to do if you think your card details have been compromised or stolen?</h2> <p>It’s important not to panic, but quick action is essential:</p> <ul> <li> <p>call your bank and get the card blocked so you won’t lose any more money. Depending on your situation, you can also block/cancel the card through your banking app or website</p> </li> <li> <p>report the issue to the police or other relevant body</p> </li> <li> <p>monitor your account(s) for any unusual transactions</p> </li> <li> <p>explore card settings in your banking app or website – many providers allow you to limit transactions based on value, restrict transaction types or enable alerts</p> </li> <li> <p>you may want to consider registering for <a href="https://theconversation.com/your-credit-report-is-a-key-part-of-your-privacy-heres-how-to-find-and-check-it-116999">credit monitoring services</a> and to enable fraud alerts.</p> </li> </ul> <h2>So, should I give my card details over the phone?</h2> <p>If you want to minimise risk, it’s best to avoid giving card details over the phone if you can. Providing your card details via a website still has risks, but at least it removes the human element.</p> <p>The best solution currently available is to use virtual cards – if anything goes wrong you can cancel just that unique card identity, rather than your entire card.<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/216833/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /></p> <p><em><a href="https://theconversation.com/profiles/paul-haskell-dowland-382903">Paul Haskell-Dowland</a>, Professor of Cyber Security Practice, <a href="https://theconversation.com/institutions/edith-cowan-university-720">Edith Cowan University</a> and <a href="https://theconversation.com/profiles/ismini-vasileiou-1031778">Ismini Vasileiou</a>, Associate Professor, <a href="https://theconversation.com/institutions/de-montfort-university-1254">De Montfort University</a></em></p> <p><em>Image credits: Getty Images</em></p> <p><em>This article is republished from </em><a style="font-style: italic;" href="https://theconversation.com">The Conversation</a><em> under a Creative Commons license. Read the </em><a style="font-style: italic;" href="https://theconversation.com/how-risky-is-it-to-give-card-details-over-the-phone-and-how-do-i-reduce-the-chance-of-fraud-216833">original article</a><em>.</em></p>

Money & Banking

How to double your money just by shopping during Super-September

<p>Did you know you can effortlessly boost your retirement savings simply by shopping – no strings attached? It might sound too good to be true, but thanks to <a href="https://go.linkby.com/SNUFMPYC" target="_blank" rel="noopener">Super-Rewards</a>, a leading cashback provider, this is now a reality. And what's more the process is free, with no ongoing costs, and is incredibly simple.</p> <p>Super-Rewards, a widely recognised program in the industry, operates much like typical cashback programs – but with one key difference: instead of receiving cash in your pocket immediately, your earnings are <a href="https://go.linkby.com/SNUFMPYC" target="_blank" rel="noopener">directed into your superannuation fund</a> for later use. </p> <p>The best part? There are no fees or hidden costs; it's essentially free money when you shop at one of Super-Rewards' 500 <a href="https://go.linkby.com/SNUFMPYC/category/" target="_blank" rel="noopener">online partner stores</a> or 1,000 <a href="https://go.linkby.com/SNUFMPYC/category/instore/" target="_blank" rel="noopener">physical stores</a> across the country – including big names like Apple, Catch, eBay, EnergyAustralia, Virgin Australia, The Good Guys, Petbarn, Big W, Appliances Online, BWS, Adore Beauty and more.</p> <p>Spanning categories like food and drink, health, automotive, clothing, beauty and more, you are literally being paid towards your retirement just for doing the shopping you were going to do anyway.</p> <p>The beauty of Super-Rewards <a href="https://go.linkby.com/SNUFMPYC/how-it-works/" target="_blank" rel="noopener">lies in its versatility</a>; you can link your cashback to any super account with ease. All you need to do is shop through the Super-Rewards app, website, or in-store, using their browser extension.</p> <p>"Boosting your super contributions has never been more crucial, especially in light of recent ASFA research showing an increase in retirement living costs," says Pascale Helyar-Moray, CEO of Super-Rewards.</p> <p>Super-Rewards presents a simple and effective solution for accumulating wealth in your super through everyday spending.</p> <p>"Whether you're male or female, employed or not, earning super has never been this straightforward," adds Helyar-Moray. "Super-Rewards is a 'set and forget' strategy for wealth-building, accessible to all Australians. It's incredibly user-friendly."</p> <p>And now Super-Rewards has launched <a href="https://go.linkby.com/SNUFMPYC" target="_blank" rel="noopener">"Super-September"</a>, during which users can earn a $10 bonus in their Super-Rewards account once they accumulate $10 in cashback between September 1st and October 31st. This offer is open to all Super-Rewards users, and cashback from all Super-Rewards retailers, both online and in-store, is eligible.</p> <p>Helyar-Moray explains, "We want to reward users with $10 for making responsible super contributions through Super-Rewards. While immediate cashback might be tempting, we understand that money spent today can't grow. Our mission is to foster responsible and sustainable wealth creation; we're excited to reward prudent super behaviour by contributing to our users' superannuation accounts."</p> <p>“This is about being smart in how you spend your money. You’re already buying groceries with MILKRUN, purchasing pet food at Petbarn, acquiring appliances at The Good Guys. It’s a no-brainer; you’re undertaking these activities anyway so you may as well be rewarded into your super for doing so, and let the power of compound interest help create a more financially secure retirement for you. It’s super – easy.”</p> <p><a href="https://go.linkby.com/SNUFMPYC" target="_blank" rel="noopener">The Super-Rewards</a> app is available for download on both the App Store and Google Play.</p> <p><em>This is a sponsored article produced in partnership with <a href="https://go.linkby.com/SNUFMPYC" target="_blank" rel="noopener">Super-Rewards</a>.</em></p> <p><em>Image: Getty</em></p>

Retirement Income

Common credit card mistakes to avoid

<p>If you regularly use your credit card, you’ll know how easy it is to plonk down the plastic for your shopping and other purchases. It’s also easy to forget those pesky card payments that follow. </p> <p>Along with the convenience of credit cards comes the danger that your bills can quickly snowball into a major debt that can linger for years if not managed properly. </p> <p>It pays to be aware of the pitfalls of credit cards and ensure you’ve got good habits in place to avoid them as much as possible. The following are a few suggestions:</p> <p><strong>Shop around for the best card deals</strong></p> <p>Don't make the mistake of signing up for the first credit card offer that arrives in your mailbox. Go online and look for the best possible card terms and features to suit you. Credit card rates can vary significantly, depending on the card and type of promotion offered.</p> <p><strong>Rewards programs</strong></p> <p>Following on from the point above, make sure the card you choose provides features you genuinely need and will actively use. Credit card rewards are promoted to make consumers think they’re getting something for free. But when you add up what it costs to earn rewards, a rewards program may not be much of a perk. For instance, credit cards that offer rewards often have much higher interest rates than cards with no rewards.</p> <p><strong>Keep track of your spending</strong></p> <p>While using a credit card sometimes feels like you’re not really spending money, not keeping track of your spending can wreak havoc on your finances. Carry a small notebook or if you’re more tech savvy, use one of the many apps available on your phone to record your purchases so you won't get a nasty shock when you receive your monthly statement. Make sure you check your statements regularly too.</p> <p><strong>Late and minimum payments</strong></p> <p>Credit card payments that aren’t paid on time result in late fees and higher interest rates. Read through your credit card statement carefully so you know when the payment is due. Consider auto-payment facilities or put a recurring note in your calendar each month a few days in advance of your payment due date to ensure you don’t miss it. Most card statements list the date that payments must be received by to avoid penalty interest fees. Ideally, it’s best to pay the full amount every month. Only paying the minimum amount will make the situation worse over time by attracting cumulative interest payment penalties.</p> <p><strong>Using cash advances</strong></p> <p>While they’re a tempting option, cash advances attract higher interest rates and should be used with care.</p> <p><strong>Handle with care!</strong></p> <p>Credit cards can be useful financial tools when used responsibly. Getting into good habits can ensure you take full advantage of the benefits while avoiding the traps.</p> <p><em>Image credit: Shutterstock</em></p>

Money & Banking

"That was the last time they ever spoke to her": Police announce $1m reward

<p>22 years ago, Mooroolbark girl Cherie Westell was last seen in Wantirna South on December 12, 2000, only days before her 16th birthday at the time.</p> <p>Today, Victoria Police have announced a $1 million reward for information that will help solve the cold case.</p> <p>A coroner found in 2003 that Cherie had most likely died, with police believing foul play was involved.</p> <p>Despite speaking to several witnesses over the past two decades investigators are still chasing new leads, with Detective Acting Inspector Tony Combridge of the Missing Persons Squad labelling the missing person's case "every family's worst nightmare”.</p> <p>"22 years ago, a young teenage girl called her family to let them know she was on her way home, and that was the last time they ever spoke to her," Combridge said.</p> <p>"She was loved by her family and friends, who are all hoping they can find some answers as to what happened to her.</p> <p>"Those responsible for Cherie's disappearance have had to live with this secret for over two decades. 22 years is a very long time to be looking over your shoulder."</p> <p>Police are hoping the money provides some incentive for people to come forward.</p> <p>"It doesn't matter how insignificant you think the piece of information is, it could be exactly what our investigators need to make a breakthrough in this case," Combridge said.</p> <p>"Now is the time to do the right thing and come forward. Any information received by police will be investigated thoroughly, and we will continue to search for the truth of what happened to Cherie to provide those answers to her loved ones and the community.”</p> <p>The reward of up to $1 million will be paid for information leading to a conviction of the person or persons responsible for Cherie's disappearance.</p> <p>After a dentist appointment, Cherrie contacted family via a pay phone letting them know she was on the way home. This was the last known contact anyone had with her.</p> <p>At the time of her disappearance, Cherie was a ward of the state, which complicated the investigation initially. Her previous foster mother, Frances, tried to make a police report immediately but was told a biological family member was required for that to occur.</p> <p>A missing persons report was not filed until six days later and any trace of the teen was gone.</p> <p><em>Image: Victoria Police</em></p>

Legal

Reward offered after "senseless vandalism" of giant statue

<p>An act of vandalism that is being treated as suspicious by local police has seen a beloved art installation destroyed in Mandurah, south of Perth.</p> <p>Described as "thoughtless and selfish" by WA Premier Mark McGowan, the brazen act has caused a flood of disbelief and anger, with police offering a $25,000 reward for information that leads to a conviction.</p> <p>The fire – which took place on Friday night – caused irreparable damage to Vivi Cirklestone, one of five wooden sculptures created by Danish artist Thomas Dambo and hidden throughout bushland in Mandurah, with a sixth installed in the Perth suburb of Subiaco.</p> <p>Mourners gathered to leave flowers on the charred wreck of the popular sculpture, which is one of a handful of “protectors of the environment” built in the region as part of a cultural tourism project.</p> <p><iframe style="border: none; overflow: hidden;" src="https://www.facebook.com/plugins/post.php?href=https%3A%2F%2Fwww.facebook.com%2FwaIncidentsalerts%2Fposts%2Fpfbid0j7E3Ssk4YC2sd7b6FhGyvRAWnhB4qKQs1EVZ2uYPbFkmn7Ratwee2bmEVAzzbPxVl&show_text=true&width=500" width="500" height="792" frameborder="0" scrolling="no" allowfullscreen="allowfullscreen"></iframe></p> <p><span style="font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Oxygen, Ubuntu, Cantarell, 'Open Sans', 'Helvetica Neue', sans-serif;">“The circumstances surrounding the cause of the fire are being treated as suspicious,” WA Police said in a statement. </span><span style="font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Oxygen, Ubuntu, Cantarell, 'Open Sans', 'Helvetica Neue', sans-serif;">Mandurah Detectives and the Arson Squad are now working to find what sparked the fire that razed the installation.</span></p> <p>Police also stated that an image doing the rounds on social media that showed the sculpture on fire had been accounted for and was not what it first appeared to many.</p> <p>“The photograph that’s been distributed on social media actually was taken by the person who reported the fire to DFES and the person in the footage is one of his mates,” acting inspector Tom Tristram said.</p> <p>The Giants of Mandurah took Danish artist Thomas Dambo hundreds of hours to complete and were launched in November as a free Australian-first exhibition.</p> <p>“Me and my crew are obviously super sad to hear this news,” Dambo said. </p> <p>“I feel it is probably done by a troubled person and is not the feeling of the general population”.</p> <p>Premier Mark McGowan also weighed in on the incident, saying that he “hopes whoever is behind this thoughtless and selfish behaviour at some point reflects on the sadness they have caused, especially so close to Christmas."</p> <p>“The sculptures aren’t just works of art, they are meant to be positive and fun attractions for families not just in Mandurah but across Perth and beyond. This is senseless vandalism. That’s all it is. And the victim isn’t just the artist but the community as well.“</p> <p><em>Images: Facebook / Courtesy of Visit Mandurah</em></p>

Legal

Reward in mystery murder of billionaire couple tops $52 million

<p>The deaths of Canadian billionaires Barry and Honey Sherman have been a mystery right from the start.</p> <p>On December 15, 2017, a realtor giving a tour of the couple's Toronto mansion around midday discovered their bodies, fully dressed, beside their indoor basement swimming pool.</p> <p>They were semi-seated side by side, with belts tied around their necks and attached to the railing of the indoor pool according to police. Barry Sherman was 75 and his wife Honey was 70.</p> <p>The story made headlines across the globe, as police called the deaths suspicious.</p> <p>Theories have swirled about who might have wanted to kill the founder of Canadian generic drug giant Apotex and his philanthropic wife – being one of Canada's richest couples.</p> <p>Investigators have worked to connect the dots however, five years later, no arrests have been made. On this week's anniversary of the killings, the Shermans' son offered an additional $25 million (A$37 million) for information leading to an arrest.</p> <p>The reward is now $52 million.</p> <p>"This week marks the five-year anniversary since my parents were murdered in their home. Every day since then has been a nightmare. I have been overwhelmed with pain, loss, and sorrow and these feelings only continuously compound," Jonathon Sherman said in a statement announcing the reward money.</p> <p>"Closure will not be possible until those responsible for this evil act are brought to justice," he added.</p> <p>The victims' prominence meant the case was high profile from the start. At the time of his death, Forbes estimated Barry was worth $4.5 billion.</p> <p>The Shermans' wealth, vast investments and philanthropy work saw them cross paths with Canada's business and political elites, their funeral was attended by thousands of people, including Prime Minister Justin Trudeau and Kathleen Wynne, premier of the province of Ontario.</p> <p>At the service an emotional Jonathon Sherman took the stage, with his three sisters, and slammed speculation that their parents died by suicide.</p> <p>Police later concluded someone had killed them, only six weeks after the bodies were found, Toronto police announced a review of evidence showed they were victims of a homicide, saying they believed the couple was targeted.</p> <p>With no forced signs of entry to the property, it's possible someone had a key, had access to the lockbox that held the keys or was known to the couple, Gomes said.</p> <p>In 2021, police asked for help identifying a shadowy suspect.</p> <p>After years of silence, police made a shocking announcement on the fourth anniversary of the couple's deaths last year, sharing a video of a shadowy person caught on security video walking on the snow-covered sidewalks in the couple's North York neighborhood.</p> <p>The Sherman children say the lack of answers adds to their grief. It's been five years since the murders and there have been no major developments. True crime podcasts have even have tried to unravel intrigue surrounding the deaths.</p> <p>In a statement to the CBC, her brother, Jonathon Sherman, echoed the same sentiment, saying the family will never get closure until the killer is brought to justice.</p> <p>The siblings reminded the public of the $52 million in reward money and pleaded for anyone with information to contact the Toronto Police Service.</p> <p><em>Image: AP</em></p>

Legal

Prince Harry and Meghan Markle release Christmas card

<p dir="ltr">Prince Harry and Meghan Markle have released their Christmas card which didn’t include their two children.</p> <p dir="ltr">The Christmas card was delivered to Archewell subscribers via email wishing everyone a joyful holiday season.</p> <p dir="ltr">“Wishing you a joyful holiday season,” the card read.</p> <p dir="ltr">“From our family to yours, and on behalf of our teams at The Archewell Foundation, Archewell Audio, and Archwell Productions, we wish you health, peace, and a very happy new year!”</p> <p dir="ltr">However, many pointed out that the card was missing a photo of their children - Archie, 3, and daughter, Lilibet, 1.</p> <p dir="ltr">“I wonder why, as it’s from their family to yours that 2 of their immediate family (children) are missing from the card,” someone wrote.</p> <p dir="ltr">“Where are the children?” another asked.</p> <p dir="ltr">On the other hand, many said that the Christmas card is the Sussexes business one and they may release another with Archie and Lilibet.</p> <p dir="ltr">“This looks to be an official business holiday card not their official family holiday card,” someone pointed out.</p> <p dir="ltr">“That’s their business holiday card. No doubt they’ll have a family card as well. It’s a very common practice,” another wrote.</p> <p dir="ltr">It is believed that Archie and Lilibet were left off the card because of their “basic right to privacy”.</p> <p dir="ltr">Meghan previously spoke about her children’s privacy in the 2021 tell-all interview with Oprah Winfrey about how “comfortable” she is or isn’t sharing photos of her children.</p> <p dir="ltr">“If you’re at work and you have a photograph of your child on your desk, and your co-worker says, ‘Oh, my gosh, your kid’s so cute. That’s fantastic! Can I see your phone so I can see all the pictures of your child?’ You go, ‘No. This is the picture I’m comfortable sharing with you’,” she said.</p> <p dir="ltr">“And then if they double down and say, ‘No, but you already showed me that one. So you have to show me everything. You know what, I’m just gonna hire someone to sit in front of your house, or hide in the bushes and take pictures into your backyard, because you’ve lost your right to privacy … because you shared one image with me’.”</p> <p dir="ltr">She also previously mentioned how she didn’t want her children to be the subject of racial slurs which she claims were used by the British media.</p> <p dir="ltr">“Why would I give the very people that are calling my children the N-word a photo of my child before I can share it with the people that love my child?” Meghan told the <em>Cut</em> back in August.</p> <p dir="ltr"><em>Image: Archwell Productions</em></p>

Family & Pets

Prince and Princess of Wales release family Christmas card!

<p dir="ltr">The Prince and Princess of Wales have released their Christmas card for 2022.</p> <p dir="ltr">The stunning photo shows Prince William and Kate Middleton holding hands with their three children Prince George, 9, Princess Charlotte, 7 and Prince Louis, 4, in the British countryside of Norfolk.</p> <p dir="ltr">All five family members appear to be colour coordinating in white, denim and blue with beaming smiles.</p> <p dir="ltr">The image was taken earlier this year by photographer Matt Porteous, who had joined the family on their tour to the Caribbean.</p> <p dir="ltr">“Sharing a new picture of the family for this year’s Christmas card!” their caption on Instagram read.</p> <p dir="ltr">The photo received almost 2 million likes with many fans wishing the family a Merry Christmas as well as thanking them for sharing the photo.</p> <blockquote class="instagram-media" style="background: #FFF; border: 0; border-radius: 3px; box-shadow: 0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width: 540px; min-width: 326px; padding: 0; width: calc(100% - 2px);" data-instgrm-captioned="" data-instgrm-permalink="https://www.instagram.com/p/CmH_qcOtUx_/?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/CmH_qcOtUx_/?utm_source=ig_embed&utm_campaign=loading" target="_blank" rel="noopener">A post shared by The Prince and Princess of Wales (@princeandprincessofwales)</a></p> </div> </blockquote> <p dir="ltr">“Happy Christmas to your family! Thank you for sharing!” someone wrote.</p> <p dir="ltr">“What a great photo of your beautiful family!” another commented.</p> <p dir="ltr">“Beautiful family. Merry Christmas,” someone else wrote.</p> <p dir="ltr">“A beautiful family, have a wonderful Christmas,” another read.</p> <p dir="ltr">Their photo comes just days after <a href="https://oversixty.com.au/lifestyle/family-pets/charles-and-camilla-release-first-christmas-card-as-king-and-queen-consort" target="_blank" rel="noopener">King Charles III and his wife Camilla</a>, the Queen Consort released their Christmas card.</p> <p dir="ltr"><em>Image: Instagram</em></p>

Family & Pets

Charles and Camilla release first Christmas card as King and Queen Consort

<p>For the first time in 70 years, Britain has a new monarch bringing them into the holiday season.</p> <p>The royal family have finally unveiled the 2022 Christmas card, featuring Kings Charles III and his wife Camilla, the Queen Consort.</p> <p>“Wishing you a very Happy Christmas and New Year,” the card said, alongside a photo of the couple at the Braemar Games, a gathering of the Scottish highland games that has been held since 1832. The picture was taken by royal photographer Samir Hussein.</p> <p>This is the second consecutive year that a photograph of Hussein's has been selected for a royal Christmas card.</p> <blockquote class="twitter-tweet"> <p dir="ltr" lang="en">🎄✉️ We’re pleased to share this year’s Christmas Card from The King and The Queen Consort.</p> <p>📸 <a href="https://twitter.com/samhussein?ref_src=twsrc%5Etfw">@samhussein</a>, taken at the Braemar Games in September 2022. <a href="https://t.co/Dzpqf62TWf">pic.twitter.com/Dzpqf62TWf</a></p> <p>— The Royal Family (@RoyalFamily) <a href="https://twitter.com/RoyalFamily/status/1602061165600940032?ref_src=twsrc%5Etfw">December 11, 2022</a></p></blockquote> <p>This year's image was captured on September 3, just five days before Queen Elizabeth II, died at Balmoral Castle.</p> <p>Charles and Camilla's 2021 card featured an image that Hussein took of the couple wearing face masks amid the COVID-19 pandemic. In it, the then Prince of Wales and Duchess of Cornwall were at the Royal Ascot horserace, with Charles helping his wife adjust her mask.</p> <p>Christmas is a major time of year for the royals, with many traditions. In previous years, the Queen would personally deliver gifts to members of the household at Buckingham Palace, donate money to different charities and hand out Christmas puddings.</p> <p><em>Image: Twitter</em></p>

Family & Pets

Why you should beware spending rewards and BNPL programs

<p>Malware is software designed to disrupt and destroy, and there are plenty of ‘wolf in sheep’s clothing’ financial programs doing just that to people’s financial futures. Some that come to mind are programs (yes, they’re called ‘programs’) that make it easier to spend and / or reward and incentivise spending, and harder to make good financial decisions. When you get tricked into spending, or spending more than you otherwise would, you transfer your wealth to someone else. The more wealth you consume, the less you have for later on. Let’s consider two marketing malware culprits to avoid wherever possible.</p> <p><strong>Rewards Programs</strong></p> <p>Beware programs that trick you into thinking that spending is good.</p> <p>Consider Flybuys for example. It is a rewards program where you generally receive one Flybuys point for every dollar spend. Therefore, to earn 1 000 000 Flybuys points, you need to spend $1 000 000. What if I told you that the cash value of one Flybuys point is 0.5 cents? That would mean to earn 1 000 000 Flybuys points you’d have to spend $1 000 000, yet that $1 000 000 is really only ‘worth’ $5000. They’ve actually created a system where you think you’re being rewarded on a one-for-one basis (i.e. one dollar spent equals one point) when really you’re being rewarded at the rate of half of one cent for every dollar spent.</p> <p>Additionally, when it comes time to redeem your points, the products you can ‘purchase’ are valued at top dollar, rather than at any discounted price you might be able to find if you shopped around.</p> <p><strong>Buy Now Pay Later (BNPL)</strong></p> <p>Back in the day, department stores offered something called lay-by. This was where you could grab a product off the shelf, take it to the store’s lay-by counter and enter an arrangement with them to pay it off over two or three instalments. Once you’d made the final payment, the product was yours to own and take home. Lay-by was a great option for people who couldn’t access or didn’t want to use credit cards. There were no upfront fees associated with lay-by, and there was certainly no interest charged. </p> <p>Lay-by has been reborn and rebadged as BNPL; you pay by instalments, and you can take the product with you immediately. You won’t pay any fees provided you make the required instalments in full and on time. If you don’t, then you’ll be slugged with establishment fees, late fees, account-keeping fees and payment processing fees.</p> <p>The danger is that BNPL is easier to access than traditional debt options such as credit cards because BNPL is not technically credit since providers don’t charge interest. But BNPL is consumer debt with instant gratification, and that makes it credit in my book.</p> <p>Afterpay is one of the biggest BNPL providers on the planet. It advertises that it is a ‘free service’, provided you pay on time. If you don’t, their late fee is $10 per missed payment, plus an additional $7 if the payment is still outstanding after a week. It doesn’t sound like a lot, but if you had bought something that only cost $20 and forgot to make a $5 instalment, then the $10 fee is 200 per cent of the missed payment. Ouch! Don’t forget that the fee is per missed payment. If there were other purchases made, then the fee would compound.</p> <p>Late fees, however small, can quickly cascade into a significant sum of money, potentially many times more than the instalment due or even the price of the item purchased. Plus, there are other consequences of missed payments—black marks on credit records, difficulties borrowing for other debt such as a home loan, and the possibility of additional fees as debts are passed over to debt collectors.</p> <p>BNPL organisations profit from users who fail to meet their repayment obligations, and so part and parcel of running a successful business and growing profits would involve them doing well when their customers do poorly. You can’t expect corporate behemoths to do the right thing by you if it’s the wrong thing by them. The best you can do is gain the skills and awareness you need to know when you’re being played. Marketing malware disrupts your ability to accumulate wealth by tricking you into believing you are getting a better deal than is the case. Ideally, you’d avoid using it at all, but if it’s too late for that, then you need to clean up your code as soon as you can.</p> <p>Being rewarded for spending money you haven’t yet earned is a toxic combination that will poison your efforts to attract and keep a fortune that counts. Make sure you are a good shepherd of your financial flock by being vigilant in keeping an eye out for marketing malware wolves, and not falling for their enticing yet financially disempowering charms. </p> <p><strong>Edited extract from Steve McKnight’s <em>Money Magnet: How to Attract and Keep a Fortune that Counts</em> (Wiley $32.95), now available at all leading retailers. Visit www.moneymagnet.au</strong></p> <p><em>Image: Getty Images</em></p>

Money & Banking

Have you fallen for the myth of ‘I can’t draw’? Do it anyway – and reap the reward

<p>Drawing is a powerful tool of communication. It helps build self-understanding and can <a href="https://journals.sagepub.com/doi/abs/10.1177/0276237420923290">boost</a> mental health.</p> <p>But our current focus on productivity, outcomes and “talent” has us thinking about it the wrong way. Too many believe the <a href="http://www.visuallanguagelab.com/P/NC_drawingdevelopment.pdf">myth</a>of “I can’t draw”, when in fact it’s a skill built through practice.</p> <p>Dedicated practice is hard, however, if you’re constantly asking yourself: “What’s the point of drawing?”</p> <p>As I argue in a new <a href="https://www.closure.uni-kiel.de/closure8/fisher">paper</a> in <a href="https://www.closure.uni-kiel.de/start_en">Closure E-Journal for Comic Studies</a>, we need to reframe our concept of what it means to draw, and why we should do it – especially if you think you can’t. </p> <p>Devoting a little time to drawing each day may make you happier, more employable and sustainably productive.</p> <h2>The many benefits of drawing</h2> <p>I’m a keen doodler who turned a hobby into a PhD and then a career. I’ve taught all ages at universities, in library workshops and online. In that time, I’ve noticed many people do not recognise their own potential as a visual artist; self-imposed limitations are common. </p> <p>That’s partly because, over time, drawing as a skill set has been devalued. <a href="https://mili.eu/insights/sunday-times-essential-workers-poll-response">A 2020 poll</a> ranked artist as the top non-essential job. </p> <p>But new jobs are emerging all the time for visual thinkers who can translate complex information into easily understood visuals.</p> <p>Big companies <a href="https://inkfactorystudio.com/">hire</a> comic creators to document corporate meetings visually, so participants can track the flow of ideas in real time. Cartoonists are paid to draft <a href="https://australiacouncil.gov.au/wp-content/uploads/2021/07/Graphic-Storytellers-at-Work-GSAW-Report-Case-Study-One.pdf">innovative, visual contracts</a> for law firms.</p> <p>Perhaps you were told as a child to stop doodling and get back to work. While drawing is often quiet and introspective, it’s certainly not a “waste of time”. On the contrary, it has significant mental health benefits and should be cultivated in children and adults alike.</p> <p>How we feel influences <a href="https://www.researchgate.net/publication/261661107_An_Introduction_to_the_Diagnostic_Drawing_Series_A_Standardized_Tool_for_Diagnostic_and_Clinical_Use">how we draw</a>. Likewise, engaging with drawing affects how we feel; it can help us understand and process our inner world.</p> <p>Art-making can <a href="https://journals.sagepub.com/doi/abs/10.1177/0276237420923290">reduce anxiety</a>, <a href="https://eric.ed.gov/?id=EJ722383">elevate mood</a>, <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC6124538/">improve quality of life</a> and <a href="https://escholarship.org/uc/item/8bq69315">promote general creativity</a>. Art therapy has even been <a href="https://pubmed.ncbi.nlm.nih.gov/16288447/">linked to</a> reduced symptoms of distress and higher quality of life for cancer patients.</p> <p>And it can help you enter a “flow state”, where self-consciousness disappears, focus sharpens, work comes easily to you and mental blockages seem to evaporate.</p> <h2>Cultivating a drawing habit</h2> <p>Cultivating a drawing habit means letting go of biases against drawing and against copying others to learn technique. Resisting the urge to critically compare your work to others’ is also important.</p> <p>Most children don’t care about what’s considered “essential” to a functioning society. They draw instinctively and freely. </p> <p>Part of the reason drawing rates are thought to be <a href="http://mtoku.yourweb.csuchico.edu/vc/Articles/toku/Toku_what%20is%20manga_.html">higher in Japan</a>is their immersion in Manga (Japanese comics), a broadly popular and culturally important medium. </p> <p>Another is an emphasis on diligent practice. Children copy and practise the Manga style, <a href="https://www.jstor.org/stable/20716077">providing a critical stepping stone</a> from free scribbling to controlled representation. Copying is not seen as a no-no; it’s integral to building skill.</p> <p>As researcher and artist Neil Cohn <a href="http://www.visuallanguagelab.com/P/NC_drawingdevelopment.pdf">argues</a>, learning to draw is similar to (and as crucial as) learning language, a skill built through exposure and practice, "Yet, unlike language, we consider it normal for people not to learn to draw, and consider those who do to be exceptional […] Without sufficient practice and exposure to an external system, a basic system persists despite arguably impoverished developmental conditions."</p> <p>So choose an art style you love and copy it. Encourage children to while away hours drawing. Don’t worry about how it turns out. Prioritise the conscious experience of drawing over the result.</p> <p>With regular practice, you may find yourself occasionally melting into states of “<a href="https://en.wikipedia.org/wiki/Flow_(psychology)">flow</a>”, becoming wholly absorbed. A small, regular pocket of time to temporarily escape the busy world and enter a flow state via drawing may help you in other parts of your life.</p> <h2>How to get started</h2> <p>Use simple tools that you’re comfortable with, whether it’s a ballpoint pen on post-it notes, pencil on paper, a dirty window, or a foggy mirror. </p> <p>Times you’d typically be aimlessly scrolling on your phone are prime candidates for a quick sketch. Doodle when you’re on the phone, watching a movie, bored in a waiting room.</p> <p>Together with mindful doodling, drawing from observation and memory form a holy trinity of sustainable proficiency.</p> <p>Drawing from life strengthens your understanding of space and form. Copying other styles gives you a shortcut to new “visual libraries”. Drawing from memory merges the free play of doodling with the mental libraries developed through observation, bringing imagined worlds to life. </p> <p>With time and persistence, you may find yourself producing drawings you’re proud of. </p> <p>At that point, you can ask yourself: what other self-limiting beliefs are holding me back?</p> <p><em>Image credits: Getty Images</em></p> <p><em>This article originally appeared on <a href="https://theconversation.com/have-you-fallen-for-the-myth-of-i-cant-draw-do-it-anyway-and-reap-the-rewards-172623" target="_blank" rel="noopener">The Conversation</a>.</em></p>

Art

Ian Thorpe gets his Olympic report card

<p>Ian Thorpe has proven he doesn’t need to be in the pool at the Olympics to be a star.</p> <p>Twenty-one years after first winning gold at the Sydney Olympic Games, Thorpe has given his expert commentary for Channel 7 during the Tokyo games – and fans are absolutely loving it.</p> <p>From winning gold medals to predicting the future, Ian Thorpe has proved he can do it all at the Olympics.</p> <p>Twenty-one years after first winning gold at the Sydney Games, Thorpedo is playing a starring role in Tokyo – but in a very different capacity.</p> <p>The Australian swimming legend is giving his expert analysis for Channel 7.</p> <p><img style="width: 500px; height: 281.25px;" src="../media/7842727/ian-thorpe-2.jpg" alt="" data-udi="umb://media/60b14eeb144d4ffcb3369202de846398" /></p> <p><em>Thorpe always believed Titmus was going to bring it home late. Image: Supplied. </em></p> <p>Through the swimming legend’s insight, he predicted what Katie Ledecky’s final time would be and got within a second of the stopwatch.</p> <p>Thorpe went at it again during Aussie superstar Ariarne Titmus’ second blockbuster showdown of the Games with Ledecky in the 200m freestyle final on Tuesday.</p> <p>“I think Ariarne has Ledecky covered in this race,” Thorpe said.</p> <p>“She can transition a lot better into different speeds. So she’ll build up her speed, whereas Katie Ledecky seems to get stuck in one gear.</p> <p>“She has a consistency that comes with that speed, but she can’t increase it in any way — it doesn’t develop.</p> <p>“Whereas when you saw Ariarne come over the top of Ledecky in the 400m freestyle final, she was gradually increasing that speed and there was a 0.4 second difference in their last 50m.”</p> <p>Thorpe was right again, proving his expertise is on point.</p> <p>Ledecky went hard and Titmus was trailing the whole way up until the final lap.</p> <p>The 20-year-old from Tasmania eventually overtook her biggest rival in the final 25m to win gold medal No. 2.</p> <p>Thorpe took time to point out Titmus’ turning ability, and said she was accelerating into the wall and springing off of it better than Ledecky was.</p> <p>The Aussie finally took the lead for the first time at the final turn.</p> <p>His fellow Channel 7 commentator Leisel Jones, who has competed in four Olympics, praised Thorpe when Japan’s Ohashi Yui won the 200m women’s individual medley.</p> <p>“I’m going to say Thorpey called that before we started,” Jones said during Seven’s broadcast.</p> <p>“He said, ‘Watch for Ohashi Yui to go for the double’.”</p> <p>“After seeing that 400 IM, this was the clear frontrunner in this race,” Thorpe said when explaining why he tipped Ohashi to win again.</p> <p>Aussie watchers have praised the Olympic swimmer for his brilliant commentary, with one saying: “He is amazing, I love listening to him.</p> <p>Another wrote: “Ian Thorpe owns commentary. He regularly calls the winner 50m out.”</p> <blockquote class="twitter-tweet"> <p dir="ltr">Love <a href="https://twitter.com/IanThorpe?ref_src=twsrc%5Etfw">@IanThorpe</a> commentary for the swimming.</p> <p>— Eric (@bananman1234) <a href="https://twitter.com/bananman1234/status/1420593762816847872?ref_src=twsrc%5Etfw">July 29, 2021</a></p></blockquote> <p>A third person added: “How wonderful Ian Thorpe’s commentary. He is so informative, speaks so calmly.”</p> <blockquote class="twitter-tweet"> <p dir="ltr">And how wonderful is Ian Thorpe’s commentary.He is so informative,speaks so calmly.Great👏</p> <p>— Lynette (@lynettekc) <a href="https://twitter.com/lynettekc/status/1420566887612616704?ref_src=twsrc%5Etfw">July 29, 2021</a></p></blockquote> <p><a href="https://twitter.com/lynettekc/status/1420566887612616704?s=21" target="_blank" rel="noopener">https://twitter.com/lynettekc/status/1420566887612616704?s=21</a></p> <blockquote class="twitter-tweet"> <p dir="ltr">Ian Thorpe is the Ricky Ponting of swimming commentary.</p> <p>— justin1flynn 🐯🏆🏆🏆 (@justin1flynn) <a href="https://twitter.com/justin1flynn/status/1420558861140852741?ref_src=twsrc%5Etfw">July 29, 2021</a></p></blockquote> <p><em>Image: Neal Simpson/EMPICS via Getty Images<span style="font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Oxygen, Ubuntu, Cantarell, 'Open Sans', 'Helvetica Neue', sans-serif;"> </span></em></p>

Surprising differences in how we use credit cards and cash

<p>With more credit cards used by Kiwis than ever is definitely seems as though New Zealanders are addicted to the convenience of not having to pay with cash. But what is the impact of this on New Zealand consumer behaviour?</p> <p>Since the late 1990’s researchers have been interested in understanding the psychology behind credit card use, not least because of the proliferation of debt in the consumer market and the concern of the ease with which to gains these cards (and debt) preys on vulnerable consumers.</p> <p>A 1998 study conducted by George Lowenstein and his colleagues that was published in 2001 made the finding that payments with cash elicited quite a different emotional response to payments made with credit cards or any other payment methods where the actual payment is to a certain extent “delayed”. The suggestion is paying by traditional methods with cash requires a physical transaction that can be more painful than paying for something with credit, where you see a figure on the receipt but you’re not actually handing over a physical amount of money in real life.</p> <p>In another experiment as part of the project, Mr Lowenstein observed that people were willing to pay much more for a particular event with credit cards than with cash, with the premium ranging anywhere between 60 and 113 per cent more, which represents quite a significant difference. </p> <p>Similar research has also found people are more likely to spend money when given $50 in cash rather than $50 in a gift voucher, they were more likely to spend a higher proportion of that in the latter rather than the former, which is again probably because of the lack of physical exchange.</p> <p>So what does this mean for you? Well, if you’re looking to tighten your purse strings around the house, opting to make more purchases with cash might just be the best way to do it. By making your purchase with cash you’re statistically likely to be less likely to overspend and more mindful of the items you are actually buying, which could lead to significant savings down the track. Willpower can be hard, especially when shopping, but this is an easier way to make willpower happen.</p> <p><em>Image: Getty Images</em></p>

Money & Banking

Has Labor learnt from the failure of the cashless debit card?

<p>Legislation passed through the House of Representatives this week to wind down the cashless debit card (CDC), which was introduced into the East Kimberley and Ceduna in 2016 and since applied at other trial sites around Australia. The card compulsorily quarantines 80% of social security payments received by working-aged people.</p> <p>Implementing the CDC has cost more than <a>$170 million</a>.</p> <p>Yet <a href="https://www.uq.edu.au/news/article/2020/02/compulsory-income-management-disabling-study-shows" target="_blank" rel="noopener">research</a> shows it does more harm than good to people forced to use it. First Nations organisations, social service organisations, and others have consistently <a href="https://www.theguardian.com/australia-news/2020/nov/03/cashless-welfare-card-fewer-than-10-of-senate-inquiry-submissions-back-bill" target="_blank" rel="noopener">argued against its expansion</a>.</p> <p>The Albanese government says winding back the CDC will “leave no one behind”. But its legislation leaves more than 23,000 mainly First Nations people in the Northern Territory – as well as people in other parts of the country – on the <a href="https://www.aph.gov.au/About_Parliament/Parliamentary_Departments/Parliamentary_Library/FlagPost/2017/June/BasicsCard_and_Cashless_Debit_Card" target="_blank" rel="noopener">BasicsCard</a>, a longer-standing compulsory income management scheme run by the Department of Social Services.</p> <p>We have known since 2014 that the BasicsCard <a href="https://caepr.cass.anu.edu.au/highlights/evaluating-new-income-management-northern-territory-final-evaluation-report-and-summary" target="_blank" rel="noopener">fails to meet its stated objectives</a>. Research published by the ARC Centre of Excellence for Children and Families over the Life Course found its use correlated with <a href="https://www.lifecoursecentre.org.au/research/journal-articles/working-paper-series/do-welfare-restrictions-improve-child-health-estimating-the-causal-impact-of-income-management-in-the-northern-territory/" target="_blank" rel="noopener">reductions in birth weight</a>, falls in <a href="https://www.lifecoursecentre.org.au/research/journal-articles/working-paper-series/the-effect-of-quarantining-welfare-on-school-attendance-in-indigenous-communities/" target="_blank" rel="noopener">school attendance</a> and other negative impacts on children.</p> <p>These are significant findings. The research suggests several possible explanations for reduced birth weight, including income management’s potential role in increasing stress on mothers, disrupting financial arrangements within the household and creating confusion about how to access funds.</p> <h2>Strong opposition</h2> <p>Given the government’s talk of <a href="https://www.smh.com.au/politics/federal/anthony-albanese-s-speech-at-garma-festival-annotated-20220729-p5b5sp.html" target="_blank" rel="noopener">respect and reconciliation</a>, it’s hard to know why it would continue a program introduced as part of the Howard government’s racially discriminatory and widely criticised <a href="https://www.theguardian.com/australia-news/2017/sep/02/northern-territory-intervention-violates-international-law-gillian-triggs-says" target="_blank" rel="noopener">Northern Territory Emergency Response</a>.</p> <p>When the Morrison government attempted to move people in the Northern Territory from the BasicsCard onto the CDC, <a href="https://www.aph.gov.au/Parliamentary_Business/Committees/Senate/Community_Affairs/CashlessCardTransition/Submissions" target="_blank" rel="noopener">First Nations</a> leaders were clear about how damaging the BasicsCard has been, and recommended <a href="https://www.aph.gov.au/Parliamentary_Business/Committees/Senate/Community_Affairs/CashlessCardTransition/Submissions" target="_blank" rel="noopener">genuinely voluntary schemes</a> instead.</p> <p>As shadow minister, Linda Burney supported that position. “Our fundamental principle on the basics card and the cashless debit card [is that] it should be on a voluntary basis,” she <a href="https://www.theguardian.com/australia-news/2022/apr/19/cashless-welfare-labor-vows-to-end-compulsory-use-of-basics-card">said</a> earlier this year, adding:</p> <blockquote> <p>If people want to be on those sorts of income management, then that’s their decision. It’s not up to Labor or anyone else to tell them what to do. At the moment it’s compulsion and that’s not Labor’s position.</p> </blockquote> <p>Yet the legislation introduced into the house last week maintains compulsory income management via the BasicsCard, promising only consultation. It leaves the door wide open for continued compulsory income management. As social security minister Amanda Rishworth said in her second reading speech, the bill allows her:</p> <blockquote> <p>to determine, following further consultation with First Nations people and my colleagues, how the Northern Territory participants on the CDC will transition, and the income management arrangements that will exist.</p> </blockquote> <h2>Policy from above</h2> <p>We have learnt a lot from the CDC, including how government claims that communities can decide about who goes on and off income management are often used to legitimise the continuation of compulsory income management.</p> <p>Both the CDC and BasicsCard are ideas that were developed and lobbied for by the Australian political and business elite. They never came from the “community”.</p> <p>The BasicsCard was one of many measures implemented under the Northern Territory Emergency Response, which included the suspension of the Racial Discrimination Act and the use of the <a href="https://theconversation.com/ten-years-on-its-time-we-learned-the-lessons-from-the-failed-northern-territory-intervention-79198" target="_blank" rel="noopener">Australian Defence Force</a>.</p> <p>The CDC, on the other hand, was a key recommendation of mining billionaire Andrew Forrest’s 2014 <a href="https://www.niaa.gov.au/resource-centre/indigenous-affairs/forrest-review" target="_blank" rel="noopener">National Indigenous Jobs and Training Review</a>. Since it was introduced, Forrest and his Minderoo Foundation have advocated for its extension.</p> <p>The government used much-needed funding for local services as a sweeetener to gain communities’ agreement for the CDC to proceed. In some cases, the threat of <a href="https://caepr.cass.anu.edu.au/sites/default/files/docs/Working_Paper_121_2017.pdf" target="_blank" rel="noopener">funding cuts</a> was used in negotiations. In contrast, proposals from communities themselves for appropriate community- and Aboriginal-controlled services had long been overlooked.</p> <h2>Real consultation?</h2> <p>Governments routinely use “consultation” as a label for what are essentially information sessions, with no alternatives on the table, in an effort to signal broad-based support. In the case of the CDC, <a href="https://www.google.com/url?sa=t&rct=j&q=&esrc=s&source=web&cd=&ved=2ahUKEwi__I3yoKf5AhU9R2wGHSjBAuwQFnoECC8QAQ&url=https%3A%2F%2Fwww.aph.gov.au%2FDocumentStore.ashx%3Fid%3D9e59ccc9-b9e6-4fad-9fb6-2a992d84fd44%26subId%3D516467&usg=AOvVaw19C21P3oIBS4l5A1b2pr0R" target="_blank" rel="noopener">calls for the program to be aborted</a> or changed dramatically were long ignored.</p> <p>Those who were forced onto the BasicsCard as part of the intervention were not offered a consultation process by the Howard government. And now, the Labor government has also failed to embrace their views and opted for a path of more consultation.</p> <p>If Labor forces people to stay on the BasicsCard, what has it learnt from the CDC? Governments have spent more than $1 billion implementing the two failed compulsory income management schemes, and the new government has implicitly committed to spending more. Imagine what else this money could be going towards.</p> <p><strong>This article originally appeared on <a href="https://theconversation.com/has-labor-learnt-from-the-failure-of-the-cashless-debit-card-188065" target="_blank" rel="noopener">The Conversation</a>.</strong></p> <p><em>Image: Shutterstock</em></p>

Legal

Million-dollar reward offered 20 years after woman disappeared

<p dir="ltr">Two decades after she disappeared, authorities have increased a reward of $1 million for information relating to the whereabouts of missing NSW woman Amber Haigh.</p> <p dir="ltr">Ms Haigh vanished on June 5, 2002, and was reported missing on June 19 after she didn’t return to her Kingsvale home where she lived with her six-month-old son and a married couple.</p> <p><span id="docs-internal-guid-60d548c7-7fff-8689-2430-fd8ad5e1bbf8"></span></p> <p dir="ltr">According to a statement from NSW Police, they were told the married couple dropped Ms Haigh off at Campbelltown train station on Wednesday 5, as she had planned to travel to Mt Druitt to visit her hospitalised father.</p> <p><iframe style="border: none; overflow: hidden;" src="https://www.facebook.com/plugins/post.php?href=https%3A%2F%2Fwww.facebook.com%2Fnswpoliceforce%2Fposts%2F366441632194929&show_text=true&width=500" width="500" height="638" frameborder="0" scrolling="no" allowfullscreen="allowfullscreen"></iframe></p> <p dir="ltr">The increase was announced by the NSW Government and NSW Police Force, in a move that has been welcomed by Ms Haigh’s family.</p> <p dir="ltr">Rosalind Wright, Ms Haigh’s mother, said she “knows in her heart she (Amber) would never have left her son” while Ms Haigh’s sister, Melissa Millar-Hodder, has urged anyone with information to come forward.</p> <p dir="ltr">“Any information would help, please contact police,” she said.</p> <p dir="ltr">“Amer had a kind, warm, loving soul. She would help anyone she can if she needed help.</p> <p dir="ltr">“Her son never got to know or grow up with his caring, loving mum.</p> <p dir="ltr"><span id="docs-internal-guid-a58e8558-7fff-a5c0-585e-4cd05fae1fc1"></span></p> <p dir="ltr">“This impact this has had is feeling incomplete, feeling lost. Not knowing where she is and what happened to Amber, not even to lay her to rest, or pick up the phone or give her hugs one last time; that has been taken away from us.”</p> <p dir="ltr"><img src="https://oversixtydev.blob.core.windows.net/media/2022/04/haigh-relatives.jpg" alt="" width="1280" height="720" /></p> <p dir="ltr"><em>Amber Haigh’s sister (left) and mother (right) shared a video message urging anyone with information to come forward. Image: NSW Police (Hightail)</em></p> <p dir="ltr">After a 2011 Coronial Inquest found Ms Haigh to be deceased as a result of homicide or other misadventure, a formal review of the case was conducted in 2020 resulted in the investigation re-commencing under Strike Force Villamar II.</p> <p dir="ltr">Detective Superintendent and Homicide Squad Commander Danny Doherty told <em><a href="https://www.9news.com.au/national/amber-haigh-reward-of-1-million-offered-20-years-after-nsw-woman-suspiciously-disappeared/2439461c-ea78-44fc-a052-8ed3237acf85" target="_blank" rel="noopener">9News </a></em>police believed Ms Haigh was met with foul play but were yet to find enough evidence to prosecute.</p> <p dir="ltr">“But, to date, we have been unable to find enough evidence to prosecute anyone over her disappearance,” he said.</p> <p dir="ltr">“Police can only expect breakthroughs in these sorts of cases with the help of the public, so please, do what is right and come forward.”</p> <p dir="ltr">Anyone with information that could assist Strike Force Villamar II investigators is urged to contact Crime Stoppers on 1800 333 000 or <a href="https://nsw.crimestoppers.com.au./" target="_blank" rel="noopener">online</a>.</p> <p dir="ltr"><span id="docs-internal-guid-91f906c0-7fff-cf6c-7f0a-5daf7937a3de"></span></p> <p dir="ltr"><em>Image: NSW Police (Hightail)</em></p>

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