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Hope: A double-edged sword in the human experience

Hope has long been cherished as a source of strength in times of adversity. Yet, as explored in this edited extract from his new book The Human Condition by author Tony Grey, this fundamental emotion is not without its complexities and potential pitfalls. --- As in the host of challenges explored in The Human Condition, the feeling of expectation and desire for something beneficial to happen, which we call hope, is as fundamental to the human condition as the will to survive; they’re linked within the evolutionary imperative. As Cicero pointed out, “dum spiro spero” (while I breathe I hope). Hope is a rolling prayer to life as time moves on, a whisper to the soul that things will turn out all right. The sentiment is generally unchallenged. Why should it be? In times of trouble, we need the balm of hope. Samuel Johnson said, “Hope is a species of pleasure, and perhaps, the chief pleasure this world affords.” While usually positive about hope, Greek philosophers were sometimes ambivalent about it, citing its propensity, through wishful thinking, to encourage indolence or actually cause harm. In Sophocles’ play Antigone, the Chorus sings, “Hope whose wanderings are so wide is to many men a comfort, but to many a false lure of giddy desires.” Plato observes that hope breeds a confidence which can exacerbate a precondition of arrogance in the powerful, leading to serious wrongdoing. “It is among these men that we find the ones who do the greatest evils.” Napoleon and Hitler are examples. And so is the Japanese government responsible for the Pearl Harbour attack. At the World War Two surrender on the deck of the USS Missouri, a Japanese general was heard to say when he looked at the sky blackened by Allied aircraft flying past and the sea bursting with warships, “How did we ever hope we could win?” On the other hand, Plato stressed the motivational properties of hope when directed towards a good aim. And Aristotle links hope with the virtue of megalopsychia (high-mindedness) resulting from its inspirational role. I have an experience of this in my family. My nephew was born to my sister with intellectual disability, and other difficulties. His condition seemed hopeless. Nevertheless, from the first, hope was my sister’s support; it gave her the energy to carry on. Through the gloom it afforded a glimpse into the future where progress beckoned. And all along she demonstrated that hope is ineluctably linked to love. Aided by her husband, the father, she worked day and night teaching and inspiring the boy. When old enough he went to a special needs school and gradually progressed, indefatigably supported at home. Over time his condition improved so that eventually he could take and keep a simple job, cook food, and have friends (similarly disabled), a state absolutely unforeseeable at his early stage of life. Throughout all the difficulties, frustrations and threats of despair, hope sustained my sister and guided her to the wonderful achievement of saving a human life. In most instances, hope is personal in the sense that something specific to the individual or those who are close is wanted. However, it can range far beyond that into areas involving others such as team sports, politics, economic activity, justice, national and tribal identity, international relations – notably war, and pandemics like Covid. Within these fields, hope calls out for the survival and well-being of humanity and its prospects for moral and material progress. Such hope embraces faith in something bigger than the individual. If human beings have a purpose, its linked to that, and its fulfillment is somehow bound up in hope. This approach cries out for exploring a whole array of other challenges inherent in the human condition. ABOUT THE AUTHOR Tony Grey is an accomplished author residing in Sydney. His latest book, The Human Condition, ambitiously explores the hurly burly of human existence, and is available now for purchase through Halstead Press Publishers. Tony is the founder of Pancontinental Mining, a former director of Opera Australia and the Conservatorium of Music, and a former trustee of the Art Gallery of New South Wales. Other books by Tony Grey include Jabiluka, East Wind and Seven Gateways. His writings have featured in the Australian Financial Review, Quadrant and the Australian. Image: Getty Images

Mind

"An insult to human dignity": Mother of Bondi stabbing victim hits out at the media

The mother of Bondi stabbing victim Jade Young has hit out at how social media and major news outlets reported on her daughter's death. Jade Young, 47, was one of six people fatally stabbed by Joel Cauchi during his violent rampage at Bondi Junction Westfield on April 13th. Following the tragedy, graphic videos and images of the attacks were circulated online. Now, Jade's mother Elizabeth Young, writing in the <a href="https://www.smh.com.au/national/nsw/my-daughter-was-killed-in-the-bondi-junction-attack-how-my-family-found-out-is-shameful-20240429-p5fnbw.html" target="_blank" rel="noopener">Sydney Morning Herald</a> on Wednesday, said it was “shameful” how her family found out about Jade’s death. “Members of my family recognised Jade and her husband Noel in uncensored vision being played on a mainstream TV news feed, with vision of Jade lying on the ground at the shopping centre, receiving CPR,” she wrote. “The vision, shared on social media and picked up — and used by — multiple news media programs shared my daughter’s final moments with millions. Finding out that a loved one has been murdered is a horror that I do not wish on anyone. But seeing the vision of their last moments and knowing it has been broadcast to millions of people is an appalling breach of privacy and an insult to human dignity.” Ms Young went on to say how some of the major media organisations that shared violent images of the Bondi stabbing “approached our family within hours of the attack, offering their condolences … and the opportunity to share our family’s story”. “These same media organisations reported the failure of a certain popular social media platform to take down videos, without acknowledging their own complicity,” she said. “I am not surprised at their hypocrisy, but I am angry.” “Sharing violent images or personal material from the lives of victims of crime is not free speech — it is enormously profitable for some but it’s speech with a steep price for the victims,” she said. “Those who run social media platforms are remote from the pain inflicted by their uploads and the dystopia they have helped create. It is the victims who bear the cost.” Last week, hundreds of mourners attended a public memorial for Ms Young, an acclaimed architect and mother-of-two, where mourners were encouraged to wear colourful clothing “in memory of Jade”. Image credits: Getty Images / Facebook

Family & Pets

Elephant tourism often involves cruelty – here are steps toward more humane, animal-friendly excursions

<div class="theconversation-article-body"><a href="https://theconversation.com/profiles/michelle-szydlowski-1495781">Michelle Szydlowski</a>, <a href="https://theconversation.com/institutions/miami-university-1934">Miami University</a> Suju Kali is a 50-year-old elephant in Nepal who has been carrying tourists for over 30 years. Like many elephants I encounter through my <a href="https://doi.org/10.1080/10888705.2022.2028628">research</a>, Suju Kali exhibits anxiety and can be aggressive toward strangers. She suffers from emotional trauma as a result of prolonged, commercial human contact. Like Suju Kali, many animals are trapped within the tourism industry. Some venues have no oversight and little concern for animal or tourist safety. Between 120,000 and 340,000 animals are used globally in a variety of wildlife tourism attractions, including <a href="https://doi.org/10.1371/journal.pone.0138939">endangered species</a> like elephants. Over a quarter of the world’s <a href="https://www.iucnredlist.org/species/7140/45818198">endangered elephants</a> reside in captivity with little oversight. Wildlife tourism – which involves viewing wildlife such as primates or birds in conservation areas, feeding or touching captive or “rehabilitated” wildlife in facilities, and bathing or riding animals like elephants – is <a href="https://doi.org/10.1080/14724049.2022.2156523">tricky business</a>. I know this because I am <a href="https://scholar.google.com/citations?user=YbweA2MAAAAJ&hl=en">a researcher studying human relationships with elephants</a> in both tourism and conservation settings within Southeast Asia. These types of experiences have long been an <a href="https://kathmandupost.com/money/2021/06/17/tourism-is-nepal-s-fourth-largest-industry-by-employment-study">extremely popular and profitable</a> part of the <a href="https://journals.plos.org/plosbiology/article?id=10.1371/journal.pbio.1002074">tourism market</a>. But now, many travel-related organizations are urging people not to participate in, or <a href="https://www.usatoday.com/story/travel/destinations/2018/04/27/animal-welfare-travelers-how-enjoy-wildlife-without-harming/544938002/">calling for an outright ban on, interactive wildlife experiences</a>. Tourism vendors have started marketing more “ethical options” for consumers. Some are attempting to truly improve the health and welfare of wildlife, and some are transitioning captive wildlife into touch-free, non-riding or lower-stress environments. In other places, organizations are attempting to <a href="https://www.fao.org/documents/card/es/c/b2c5dad0-b9b9-5a3d-a720-20bf3b9f0dc2/">implement standards of care</a> or create manuals that outline good practices for animal husbandry. This marketing, academics argue, is often simply “<a href="https://doi.org/10.1016/j.gecco.2017.11.007">greenwashing</a>,” <a href="http://dx.doi.org/10.1080/13683500.2023.2280704">applying marketing labels to make consumers feel better</a> about their choices without making any real changes. Worse, research shows that some programs marketing themselves as ethical tourism may instead be widening economic gaps and harming both humans and other species that they are meant to protect. <h2>No quick fix</h2> For example, rather than tourist dollars trickling down to local struggling families as intended by local governments, many tourism venues are owned by nonresidents, <a href="http://dx.doi.org/10.3126/japfcsc.v2i1.26746">meaning the profits do not stay in the area</a>. Likewise, only a small number of residents can afford to own tourism venues, and venues do not provide employment for locals from lower income groups. This economic gap is especially obvious in Nepalese elephant stables: Venue owners continue to make money off elephants, while elephant caregivers continue to work 17 hours a day for about US$21 a month; tourists are led to believe they are “<a href="https://www.cabidigitallibrary.org/doi/book/10.1079/9781800624498.0000">promoting sustainability</a>.” Yet, there are no easy answers, especially for elephants working in tourism. Moving them to sanctuaries is difficult because with no governmental or global welfare oversight, elephants may end up in worse conditions. Many kindhearted souls who want to “help” elephants know little about their biology and mental health needs, or what it takes to keep them healthy. Also, feeding large animals like Suju Kali is pricey, <a href="https://doi.org/10.3390/ani14010171">costing around $19,000 yearly</a>. So without profits from riding or other income, owners – or would-be rescuers – can’t maintain elephants. Releasing captive elephants to the jungle is not a choice – many have never learned to live in the wild, so they cannot survive on their own. <h2>Hurting local people</h2> Part of the problem lies with governments, as many have marketed tourism as a way to fund conservation projects. For example in Nepal, a percentage of ticket sales from elephant rides are given to community groups to use for forest preservation and support for local families. Increasing demand for <a href="https://www.routledge.com/Tourism-and-Animal-Ethics/Fennell/p/book/9781032431826">wildlife-based tourism</a> may increase traffic in the area and thus put pressure on local governments to further limit local people’s access to forest resources. This may also lead to <a href="https://www.worldanimalprotection.org/latest/news/un-world-tourism-organisation-urged-create-better-future-animals/">increased demands on local communities</a>, as was the case in Nepal. In the 1970s, the Nepalese government removed local people from their lands in what is now Chitwan National Park as part of increasing “conservation efforts” and changed the protected area’s boundaries. Indigenous “Tharu,” or people of the forest, were forced to abandon their villages and land. While some were offered access to “buffer zones” in the 1990s, many remain poor and landless today. In addition, more and more desirable land surrounding conservation areas in Nepal is being developed for tourist-based businesses such as hotels, restaurants and shops, <a href="http://dx.doi.org/10.3126/japfcsc.v2i1.26746">pushing local poor people farther away</a> from central village areas and the associated tourism income. Some activists would like humans to simply release all wildlife back into the wild, but <a href="https://www.cabidigitallibrary.org/doi/book/10.1079/9781800624498.0000">there are multiple issues</a> with that. Elephant habitats throughout Southeast Asia have been transformed into croplands, cities or train tracks for human use. Other problems arise from the fact that tourism elephants have <a href="https://doi.org/10.4324/9781315457413">never learned</a> how to be elephants in their natural elements, as they were <a href="https://www.pugetsound.edu/sites/default/files/file/8342_Journal%20of%20Tourism%20%282009%29_0.pdf">separated from their herds</a> at an early age. So tourism may be vital to providing food, care and shelter to captive elephants for the rest of their lives and providing jobs for those who really need them. Because elephants can live beyond 60 years, this can be a large commitment. <h2>How to be an ethical tourist</h2> To protect elephants, tourists should check out reviews and photos from any venue they want to visit, and look for clues that animal welfare might be impacted, such as tourists allowed to feed, hold or ride captive wildlife animals. Look for healthy animals, which means doing research on what “healthy” animals of that species should look like. If a venue lists no-touch demonstrations – “unnatural” behaviors that don’t mimic what an elephant might do of their own accord, such as sitting on a ball or riding a bike, or other performances – remember that the behind-the-scenes training used to achieve these behaviors can be <a href="https://doi.org/10.21832/9781845415051-014">violent, traumatic or coercive</a>. Another way to help people and elephant is to to use small, local companies to book your adventures in your area of interest, rather than paying large, international tourism agencies. Look for locally owned hotels, and wait to book excursions until you arrive so you can use local service providers. Book homestay programs and attend cultural events led by community members; talk to tourists and locals you meet in the target town to get their opinions, and use local guides who provide wildlife viewing opportunities <a href="https://nepaldynamicecotours.com/">while maintaining distance from animals</a>. Or tourists can ask to visit <a href="https://www.americanhumane.org/press-release/global-humane-launches-humane-tourism-certification-program/">venues that are certified</a> by international humane animal organizations and that <a href="https://www.su4e.org/">do not allow contact</a> with wildlife. Or they can opt for guided hikes, canoe or kayak experiences, and other environmentally friendly options. While these suggestions will not guarantee that your excursion is animal-friendly, they will help decrease your impact on wildlife, support local families and encourage venues to stop using elephants as entertainment. Those are good first steps.<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/219792/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/michelle-szydlowski-1495781">Michelle Szydlowski</a>, Visiting Assistant Professor, Department of Biology, Project Dragonfly, <a href="https://theconversation.com/institutions/miami-university-1934">Miami University</a> Image credits: Getty Images This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/elephant-tourism-often-involves-cruelty-here-are-steps-toward-more-humane-animal-friendly-excursions-219792">original article</a>. </div>

Travel Tips

REVIEW: Super-intelligent, dog-detecting robot lawn mower

I was recently invited to an onsite demonstration of a brand new line of lawn mowers that were pitched as being not just a lawn mower, but a furry-friend dodging, grass-grooming marvel of modern technology. According to the specs, the <a href="https://au.worx.com/vision-technology/" target="_blank" rel="noopener">WORX LANDROID® Vision</a> is the world’s first advanced AI, "unbox & mow" robot lawn mower. "No wire. No satellite. No beacons. No time between unboxing and mowing." Using a combination of HRD camera, the latest AI smarts and a deeply trained neural network to identify grass to mow and obstacles to avoid, it features the innovative "Cut-to-Edge" function, multi-zone management and adaptive auto-scheduling. Plus an optional LED headlight safe night-mowing (apparently, unlike conventional robots, Vision sees nocturnal animals and stays away from them). But the real test for me was always going to be: how would something like the Vision get along with my dog, Rosie? I was offered the chance to try out one of the mowers for a few weeks, and so I jumped at it. But let's talk about Rosie for a moment. Now, this little ball of fur thinks she's the queen of the backyard. She zooms around like a tiny tornado, and honestly I think she believes the grass is her personal chew toy. So, when I introduced the LANDROID into the mix, I was half expecting chaos and half hoping for a miracle. Lo and behold, this mower is not just a lawn whisperer; it's a puppy ninja. The WORX LANDROID has some sort of superpower in its sensors, allowing it to detect my pup's presence and skilfully manoeuvre around her. It was like watching a graceful dance between technology and canine curiosity. For the duration of the test, Rosie basically appointed herself as the official supervisor of lawn maintenance, proudly watching from a safe distance (and sometimes not so safe) as the LANDROID worked its magic. But let's not forget about the real star of the show: the lawn itself. The LANDROID doesn't just dodge around obstacles; it trims with precision, leaving my yard looking like a freshly coiffed celebrity. It's like having a personal stylist for my grass – one that never sleeps. And the best part? I get to sit back, relax and sip my lemonade while the LANDROID does all the heavy lifting (or should I say, mowing). It's like having a reliable little garden gnome, except this one runs on electricity and has impeccable dodging skills. So if you want a lawn mower that's not only efficient but also entertaining, look no further than the <a href="https://au.worx.com/vision-technology/" target="_blank" rel="noopener">WORX LANDROID Vision</a>. It's the perfect blend of technology, pet sensitivity and grass-grooming prowess. Plus, it's the only mower I know that can outmanoeuvre a puppy – and that is definitely something to bark about. Images: Alex Cracknell

Home & Garden

12 super simple ways to save some cash

Saving money is a lot easier said than done. Whether you’ve got a holiday you’re thinking about taking, or you just want to make day to day life a little less stressful, there is a range of strategies you can employ to put a couple of dimes together. Here are 12 tips to cut costs: 1. Don't buy luxury, sometimes the budget brands are just as good and save you heaps. 2. Read the junk mail and compare offers because you can get a better deal where you didn't think you could. 3. Cut unnecessary expenses and reduce, if possible, the necessary expenses as well. 4. Buy used goods, it's cheaper and you can haggle. 5. See if you can switch power companies. I'm aware of several people who are saving $250 a year. 6. Borrow books and movies from the library or movie store - it's free or low cost compared to buying new and it's fast. 7. Barter with family and friends, it's free and everyone wins. 8. Take advantage of specials, sales and deals including buying in bulk, it can save you more than you realise. 9. Walk, bike or car pool or use other public transport, it's good for the environment and saves you money. 10. Shop around for the best deal, it might be better elsewhere. 11. Follow insurance company advice: Don't smoke, do have alarms and do get multi policies - it protects you and saves cash. 12. Have a savings account with all the savings from this and don't touch it, you will be amazed at what you have saved in a short time. Written by John Murphy. Republished with permission of <a href="http://www.stuff.co.nz/" target="_blank" rel="noopener">Stuff.co.nz</a>. Image credits: Getty Images

Money & Banking

Heroic fan tackles deadly shooter at victory parade

Three people have been taken into custody after a deadly shooting at a Super Bowl victory parade, where one person has died. At least 21 people have suffered injuries, nine of which being children, at the parade in Kansas City, following the Kansas Chiefs victory over the San Francisco 49ers. As one of the shooters opened fire in the crowd, one heroic football fan was captured on video tackling the gunman to the ground. The video also shows panicked crowds fleeing the sounds of the gunfire, as police ran towards the commotion. Kansas City Police Chief Stacey Graves confirmed in a second update to media that one person had died after 22 people had been shot. “We have three persons detained and under investigation,” she said. “We are working to determine if one of the three is the one that was in that video where fans assisted police.” She added that “right now we do not have a motive, but we are asking those who may potentially have any kind of information, a witness or video, to contact police”. At an earlier briefing, Ms Graves said she was “angry at what happened today”. Kansas City Mayor Quinton Lucas said, “The celebration was marred by a shooting. This is absolutely a tragedy.” Witness Kade Collins, who attending the parade with his dad, described the ordeal to local news station Fox 4 KC. “We heard 10 to 12 gunshots, but we thought they were fireworks, so we didn’t really panic at first or get too worked up. But then everyone started screaming and took off running,” Mr Collins said. Mr Collins said his dad saw police tackle a suspect after the crowd saw the gunman. “When we were walking out, there was someone pointing and saying, ‘He’s right there, he’s right there’, and police ran to the guy the crowd was pointing at and tackled him and put him in handcuffs,” he said. “Everyone took off running and screaming.” The Kansas City Chiefs said in a statement that all players, coaches, staff and their families were “safe and accounted for”, while sharing their condolences for those who were impacted by the shooting. “We are truly saddened by the senseless act of violence that occurred outside of Union Station at the conclusion of today’s parade and rally,” the team said. "Our hearts go out to the victims, their families, and all of Kansas City ... We thank the local law enforcement officers and first responders who were on-scene to assist.” Image credits: Getty Images <p style="box-sizing: inherit; margin: 0px 0px 24px; padding: 0px; border: 0px; font-stretch: inherit; line-height: inherit; font-family: 'Helvetica Neue', HelveticaNeue, Helvetica, Arial, sans-serif; font-size-adjust: inherit; font-kerning: inherit; font-variant-alternates: inherit; font-variant-ligatures: inherit; font-variant-numeric: inherit; font-variant-east-asian: inherit; font-variant-position: inherit; font-feature-settings: inherit; font-optical-sizing: inherit; font-variation-settings: inherit; font-size: 18px; vertical-align: baseline;">

Caring

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

<a href="https://theconversation.com/profiles/marc-olynyk-1493791">Marc Olynyk</a>, <a href="https://theconversation.com/institutions/deakin-university-757">Deakin University</a> Australia’s superannuation and retirement income system is complex and difficult to navigate. Retirees need to make decisions on numerous issues where they have less than full information and understanding, both financial and non-financial. They also require access to retirement products to help them manage and balance income needs against longevity risk. Recognising these issues, the government released a <a href="https://treasury.gov.au/consultation/c2023-441613">discussion paper</a> this month seeking views on three key issues: <ol> <li> helping super fund members navigate the retirement income system </li> <li> supporting superannuation funds to deliver better services </li> <li> making retirement income products more accessible. </li> </ol> Australia has one of the largest and most sophisticated pension systems in the world. Valued at more than <a href="https://www.apra.gov.au/quarterly-superannuation-statistics">A$3.5 trillion</a> as at September 2023, and is the <a href="https://www.thinkingaheadinstitute.org/research-papers/global-pension-assets-study-2023/">5th largest pension scheme</a> in terms of asset size. It is also the <a href="https://www.mercer.com/insights/investments/market-outlook-and-trends/mercer-cfa-global-pension-index/">5th most highly rated retirement income system</a> internationally behind the Netherlands, Iceland, Denmark and Israel. <h2>What is wrong with the super system?</h2> But while the super system ranks highly in terms of integrity and sustainability, the numbers are not as flattering when it comes to “adequacy”. Adequacy is the level of income available to retirees depending on their different circumstances. According to a recent <a href="https://www.mercer.com/insights/investments/market-outlook-and-trends/mercer-cfa-global-pension-index/">study</a>, Australia is ranked 20th out of 47 worldwide on the adequacy index. <a href="https://www.investmentmagazine.com.au/2023/02/purpose-of-super-law-to-herald-tax-reform/">Reform</a> in the pre-retirement phase of Australia’s retirement income scheme is ongoing and designed to support accumulating wealth for retirement. These ongoing reforms have been designed to make superannuation easier to understand and to reduce much of the decision making required. They’ve been needed because of an apparent lack of skills, interest and financial literacy among Australians. While the message that we need to save to be comfortable in retirement is getting through, the lack of information about how to manage these savings once we retire means many retirees are left to navigate the complex system as best they can. Given the complexity and volatility of Australia’s financial system, it’s hardly surprising many of the decisions made by retirees don’t produce the best financial results. For example, more than <a href="https://treasury.gov.au/consultation/c2023-441613">84%</a> of retirement savings are held in account-based pensions which, if not properly managed, can run out. This is despite government and community awareness that outliving your savings is a real possibility. About 50% of retirees currently withdraw at the minimum pension rate, which means many people experience a lower standard of living than what would normally be expected with the super they have accumulated. This can result in wealth not being used and instead being passed on to the next generation. <h2>Help is needed now because the retiree sector is booming</h2> Over the next decade there is going to be a big increase in the number of people retiring and transitioning from the accumulation phase of their super to the pension phase. It’s estimated <a href="https://treasury.gov.au/consultation/c2023-441613">2.5 million</a> Australians will move to the retirement phase in this period. Following the 2014 <a href="https://treasury.gov.au/publication/c2014-fsi-final-report">Financial System Inquiry</a>, the government introduced the <a href="http://www5.austlii.edu.au/au/legis/cth/consol_act/sia1993473/s52.html">Retirement Income Covenant</a> in 2022 to force super fund trustees to develop a strategy that would provide better retirement outcomes for their members. The strategy is based on retirees maximising their expected retirement income, managing expected risks to their retirement income and having flexible access to super funds during their retirement. A 2022-23 review conducted by <a href="https://asic.gov.au/regulatory-resources/find-a-document/reports/rep-766-implementation-of-the-retirement-income-covenant-findings-from-the-apra-and-asic-thematic-review/">Australian Prudential Regulation Authority and the Australian Securities and Investments Commission</a> found while trustees were providing more help to retirees, overall there was a lack of progress and urgency among trustees to improve retirement outcomes. <h2>How the system could be improved</h2> Several proposals have been put forward to improve the experiences and decision-making of retirees. These have included: <ul> <li> improved support from and education by superannuation fund trustees </li> <li> changing how people view their super savings from an accumulation of wealth to a system that enables drawdown of retirement savings over time to fund expenses. </li> <li> providing an automatic rollover of retirement savings into an income-stream instead of allowing a lump sum withdrawal on retirement </li> <li> expanding existing income products (that are starting to be offered by several financial institutions) which combine providing investment choice with a pension for life </li> <li> setting up a MyRetire product that would run parallel to <a href="https://treasury.gov.au/programs-and-initiatives-superannuation/mysuper">MySuper</a> and provide a simple and cost-effective retirement income system for less engaged members. MySuper only applies to the accumulation phase. Once a member starts an income stream in retirement, their MySuper account ceases </li> <li> improving access to financial planning advice which is shown to play a significant role in preparing Australians for retirement. </li> </ul> The government, superannuation industry and the community all have a greater role to play in improving the financial outcomes and experiences of retirees. With Australia’s ageing population, the need to better support retirees to achieve a dignified retirement is becoming more urgent. All Australians expect and deserve a financially secure retirement.<img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/219217/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/marc-olynyk-1493791">Marc Olynyk</a>, Director of Financial Planning, Deakin Business School, <a href="https://theconversation.com/institutions/deakin-university-757">Deakin University</a> Image credits: Getty Images This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/its-not-just-about-accumulating-super-australians-need-to-learn-how-to-spend-their-retirement-savings-219217">original article</a>.

Retirement Income

Not all beer and pokies: what Australians did with their super when COVID struck

<a href="https://theconversation.com/profiles/nathan-wang-ly-1380895">Nathan Wang-Ly</a>, <a href="https://theconversation.com/institutions/unsw-sydney-1414">UNSW Sydney</a> and <a href="https://theconversation.com/profiles/ben-newell-46">Ben Newell</a>, <a href="https://theconversation.com/institutions/unsw-sydney-1414">UNSW Sydney</a> What happens when people withdraw their retirement savings early? We’ve just found out. During the first year of COVID Australians who faced a 20% decline in their working hours (or turnover for sole traders) or were made unemployed or were on benefits were permitted to take out up to <a href="https://www.ato.gov.au/Individuals/Super/In-detail/Withdrawing-and-using-your-super/COVID-19-early-release-of-super-(closed-31-December-2020)/">A$10,000</a> of their super between April and June 2020, and a further $10,000 between July and December. Five million took up the offer. They withdrew <a href="https://www.apra.gov.au/covid-19-early-release-scheme-issue-36">$36 billion</a>. Most of those surveyed by the Institute of Family Studies said they used the money to cover <a href="https://aifs.gov.au/sites/default/files/publication-documents/2108_6_fias_superannuation_0.pdf">immediate expenses</a>. But definitions of “immediate” can vary. Real time transaction card data appeared to show early withdrawers boosted their spending by an average of <a href="https://www.illion.com.au/buy-now-pay-later-winner-of-stimulus/">$3,000</a> in the fortnight after they got the money. <a href="https://www.stptax.com/emergency-super-withdrawal-spent-on-pokies-beer-and-uber-eats/">One interpretation</a> said they spent the money on “beer, wine, pokies, and takeaway food, rather than mortgages, bills, car debts, and clothes”. In order to get a more complete picture, we obtained access to millions of anonymised transaction records of customers of Australia’s largest bank, the <a href="https://www.sciencedirect.com/science/article/pii/S0313592622001060?via%3Dihub#bfn3">Commonwealth Bank</a>. The data included 1.54 million deposits likely to have been money withdrawn through the scheme including 1.04 million we are fairly confident did. <h2>Who dipped into super?</h2> The data provided by the bank allows us to compare circumstances of withdrawers and non-withdrawers including their age, time with the bank, and banking behaviour before COVID. We find withdrawers tended to be younger and in poorer financial circumstances than non-withdrawers before the pandemic. Six in ten of the withdrawers were under the age of 35, a finding consistent with data reported by the <a href="https://www.abc.net.au/news/2020-05-25/coronavirus-early-access-superannuation-young-people/12282546">Australian Taxation Office</a>. Withdrawers tended to earn less than non-withdrawers, even non-withdrawers of the same age. Only 17% of withdrawers for whom we could identify an income earned more than $60,000 compared with 26% of non-withdrawers. And withdrawers had lower median bank balances ($618 versus $986). For those with credit cards and home loans, withdrawers were about twice as likely to be behind on repayments as non-withdrawers (9.7% versus 5.8% for credit cards, and 8.2% versus 3.4% for home loans). These characteristics suggest that, despite concerns of the scheme being exploited due to the application process <a href="https://www.abc.net.au/news/2020-09-03/-are-people-being-allowed-to-access-their-super-without-scrutiny/12618002">not requiring any documentation</a>, most of those using the scheme genuinely needed the money. <h2>Where did the money go?</h2> Compared to non-withdrawers, those who withdrew increased their spending (on both essential and discretionary items), paid back high-interest debts, boosted their savings, and became less likely to miss debt payments. Withdrawers spent an average of $331 more per month on debit cards in the three months after withdrawal, and $126 per month in the following three months. They spent an extra $117 per month on credit cards during the first three months, which shrank to an extra $13 per month in the following three months. The average withdrawer spent 7% more per month on groceries than the average age and income matched non-withdrawer, 12% more on utilities such as gas and electricity, 16% more on discretionary shopping, and 20% more on “entertainment,” a Commonwealth Bank category that includes gambling. <h2>Less debt, less falling behind</h2> In the three months that followed withdrawing, withdrawers also averaged $437 less credit card debt and $431 less personal loan debt than age and income matched non-withdrawers, differences that shrank to $301 and $351 in the following three months. They also became less likely to fall behind on credit card and personal loan payments, a difference that vanished after three months. Our interpretation is that the scheme achieved its intended purpose: it provided many Australians in need with a financial lifeline and helped buoy them during uncertain and turbulent times. <h2>Lessons learned</h2> At the same time, our <a href="https://www.sciencedirect.com/science/article/pii/S0313592622001060?via%3Dihub#bfn3">findings</a> identify areas of concern. The fact that most withdrawals were for the permitted maximum of $10,000 highlights the need to carefully consider the withdrawal limit. While these sums might simply reflect the true amount of money individuals needed to sustain themselves, it might be that many withdrawers were unsure of how much to <a href="https://cepar.edu.au/sites/default/files/Determinants%20of%20Early%20Access%20to%20Retirement%20Savings_Lessons%20from%20the%20COVID19%20Pandemic_BatemanDobrescuLiuNewellThorp_July21.pdf">withdraw</a> – not knowing how long the pandemic would continue. Another consideration is how to best support withdrawers after they have taken out the money. More than half were under the age of 35, and might find themselves with a good deal less super than they would have in retirement. The government has already introduced <a href="https://www.ato.gov.au/super/apra-regulated-funds/in-detail/apra-resources/re-contribution-of-covid-19-early-release-super-amounts/">tax concessions</a> for withdrawers who contribute funds back into their retirement savings accounts. Super funds might also be able to help, by sending targeted messages to those who have withdrawn.<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/190911/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/nathan-wang-ly-1380895">Nathan Wang-Ly</a>, PhD Student, School of Psychology, <a href="https://theconversation.com/institutions/unsw-sydney-1414">UNSW Sydney</a> and <a href="https://theconversation.com/profiles/ben-newell-46">Ben Newell</a>, Professor of Cognitive Psychology, <a href="https://theconversation.com/institutions/unsw-sydney-1414">UNSW Sydney</a> Image credits: Getty Images This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/not-all-beer-and-pokies-what-australians-did-with-their-super-when-covid-struck-190911">original article</a>.

Money & Banking

Marvel star ties the knot in super secret ceremony

Marvel movie star Chris Evans has tied the knot with his girlfriend Alba Baptista in an intimate ceremony at their home in the state of Massachusetts. According to <a href="https://pagesix.com/2023/09/10/chris-evans-marries-alba-baptista/" target="_blank" rel="noopener">Page Six</a>, the Hollywood A-lister and Baptista, a Portuguese actress, got married on Saturday, with only a handful of their closest friends and family attending the nuptials. An insider told <a href="https://www.news.com.au/entertainment/celebrity-life/hook-ups-break-ups/chris-evans-marries-alba-baptista-in-intimate-athome-wedding/news-story/872c843aa221bc8173f0a82feb7c6477" target="_blank" rel="noopener">news.com.au</a> that the nuptials were “locked down tight,” as guests signed NDAs and phones were forfeited for the "beautiful" ceremony. The guest list also included some of the actor’s Marvel co-stars, including Robert Downey Jr., Chris Hemsworth and Jeremy Renner. The Captain America actor and Baptista first sparked rumours of a romance in November 2022, when a source told <a href="https://people.com/movies/chris-evans-dating-alba-baptista-source-exclusive/" target="_blank" rel="noopener">People</a> that the duo had been dating for “over a year.” “They are in love, and Chris has never been happier,” the insider said, already calling their relationship “serious” at the time. “His family and friends all adore her.”<iframe id="google_ads_iframe_/5129/ndm.nent/entertainment/celebritylife/hookupsbreakups_5" tabindex="0" title="3rd party ad content" role="region" name="google_ads_iframe_/5129/ndm.nent/entertainment/celebritylife/hookupsbreakups_5" width="4" height="4" frameborder="0" marginwidth="0" marginheight="0" scrolling="no" aria-label="Advertisement" data-load-complete="true" data-google-container-id="6" data-integralas-id-69c76c0a-f5d2-9885-70ea-25cce3e0243a=""></iframe><iframe width="1" height="1" frameborder="0" scrolling="no"></iframe> Just hours after the news broke, the couple was spotted holding hands during a stroll in Central Park. While little is known about the low-key couple’s relationship, Evans has proudly been flaunting his affection for Baptista online. The Knives Out star was spotted leaving a flirty comment on Baptista’s Instagram post around the same time that news broke of their relationship. Then, in February, the couple went Instagram-official as Evans began posting a series of PDA-filled pics to his Instagram Story in honour of Valentine’s Day. Image credits: Instagram

Relationships

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

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. 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. 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. 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. 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. "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. Super-Rewards presents a simple and effective solution for accumulating wealth in your super through everyday spending. "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." 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. 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." “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.” <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. This is a sponsored article produced in partnership with <a href="https://go.linkby.com/SNUFMPYC" target="_blank" rel="noopener">Super-Rewards</a>. Image: Getty

Retirement Income

If the world were coming to an end, what would be the most ethical way to rebuild humanity ‘off planet’?

<a href="https://theconversation.com/profiles/evie-kendal-734653">Evie Kendal</a>, <a href="https://theconversation.com/institutions/swinburne-university-of-technology-767">Swinburne University of Technology</a> Last week, scientists announced that for the first time on record, Antarctic ice has failed to “substantially recover” over winter, in a “once in 7.5-million-year event”. Climate change is the <a href="https://theconversation.com/antarctica-is-missing-a-chunk-of-sea-ice-bigger-than-greenland-whats-going-on-210665">most likely culprit</a>. Petra Heil, a sea ice physicist from the Australian Antarctic Division, <a href="https://www.abc.net.au/news/2023-07-24/antarctic-sea-ice-levels-nosedive-five-sigma-event/102635204">told the ABC</a> it could tip the world into a new state. “That would be quite concerning to the sustainability of human conditions on Earth, I suspect.” And in March, a senior United Nations disarmament official <a href="https://press.un.org/en/2023/sc15250.doc.htm">told the Security Council</a> the risk of nuclear weapons being used today is higher than at any time since the end of the Cold War. Both warnings speak to concerns about Earth’s security. Will our planet be able to support human life in the future? And if not, will humanity have another chance at survival in space? <h2>‘Billionauts’ and how to choose who goes</h2> Over the past few years, we’ve witnessed the rise of the “billionaut”. The ultra-wealthy are engaged in a <a href="https://theconversation.com/billionaire-space-race-the-ultimate-symbol-of-capitalisms-flawed-obsession-with-growth-164511">private space race</a> costing billions of dollars, while <a href="https://www.forbes.com/sites/oliverwilliams1/2021/12/21/billionaire-space-race-turns-into-a-publicity-disaster/?sh=79056f7e5e4d">regular citizens often condemn</a> the wasted resources and contribution to global carbon emissions. Space – described in the <a href="https://www.unoosa.org/oosa/en/ourwork/spacelaw/treaties/introouterspacetreaty.html">Outer Space Treaty</a> as being the “province of all mankind” – risks instead becoming the playground of the elite few, as they try to escape the consequences of environmental destruction. But if we have to select humans to send into space for a species survival mission, how do we choose who gets to go? In Montreal last month, the <a href="https://irg.space/irg-2023/">Interstellar Research Group</a> explored the question: how would you select a crew for the first interstellar mission? A panel led by <a href="https://www.erikanesvold.com/">Erika Nesvold</a>, a co-editor of the new book <a href="https://global.oup.com/academic/product/reclaiming-space-9780197604793?cc=au&lang=en&">Reclaiming Space</a>, discussed the perspectives of gender minorities, people with disabilities and First Nations groups regarding the ideal composition for an off-world crew. I was on the panel to discuss my contribution to the book, which explores how we can promote procreation in our new off-world society, without diminishing the reproductive liberty of survivors. <h2>The ultra-wealthy and reproductive slavery</h2> The first step in deciding how to allocate limited spaces on our “lifeboat” is identifying and rejecting options that are practically or ethically unacceptable. The first option I rejected was a user-pay system, whereby the wealthy can purchase a seat on the lifeboat. A 2022 Oxfam report showed the investments of just 125 billionaires collectively contribute 393 million tonnes of carbon dioxide equivalent per year: <a href="https://www.oxfam.org/en/press-releases/billionaire-emits-million-times-more-greenhouse-gases-average-person#:%7E:text=Recent%20data%20from%20Oxfam's%20research,%C2%B0C%20goal%20of%20the">a million times more</a> than the average for most global citizens. If the ultra-wealthy are the only ones to survive an environmental apocalypse, there’s a risk they would just create another one, on another planet. This would undermine the species survival project. The second option I rejected was allowing a reproductive slave class to develop, with some survivors compelled to populate the new community. This would disproportionately impact cis-gender women of reproductive capacity, demanding their gestational labour in exchange for a chance at survival. Neither a user-pay system nor reproductive slave labour would achieve the goal of “saving humanity” in any meaningful way. Many would argue preserving human values - including equality, reproductive liberty, and respect for diversity - is more important than saving human biology. If we lose what makes us unique as a species, that would be a kind of extinction anyway. But if we want humanity to survive, we still need to build our population in our new home. So what other options do we have? <h2>Reproduction and diversity</h2> How can we avoid discrimination on the basis of reproductive capacity – including age, sexuality, <a href="https://theconversation.com/infertility-through-the-ages-and-how-ivf-changed-the-way-we-think-about-it-87128">fertility status</a> or personal preference? We could avoid any questions about family planning when selecting our crew. This would align with <a href="https://www.seek.com.au/career-advice/article/illegal-interview-questions-what-employers-have-no-right-to-ask">equal opportunity policies</a> in other areas, like employment. But we would then have to hope enough candidates selected on other merits happen to be willing and able to procreate. Alternatively, we could reserve a certain number of places for those who agree to contribute to population growth. Fertility would then become an inherent job requirement. This might be similar to taking on a role as a <a href="https://theconversation.com/surrogacy-laws-why-a-global-approach-is-needed-to-stop-exploitation-of-women-98966">surrogate</a>, in which reproductive capacity is essential. But what if, after accepting such a position on the mission, someone changed their mind about wanting children? Would they be expected to provide some sort of compensation? Would they be vulnerable to retaliation? The more we focus on procreation, the less diversity we will preserve in the species as a whole – especially if we deliberately select against diverse sexualities, disabilities and older people. A lack of diversity would also threaten the long-term viability of the new society. For example, even if we exclude all physiologically or socially infertile people from the initial crew, these traits will reappear in future generations. The difference is: these children would be born into a less accepting community. Cooperation will be essential for the new human society – so promoting hostility would be counterproductive. So, what options are left? Using a random global sample to select travellers might alleviate concerns about equity and fairness. But the ability of a random sample to maximise our survival as a species would depend on how large the sample can be. A global sample would minimise bias. But there’s a risk it might yield a crew without doctors, engineers, farmers or other essential personnel. <h2>Random selection versus a points-based system</h2> The best balance between competing needs might be a stratified random sampling method, involving randomly selecting survivors from predetermined categories. Reproductive potential might be one category. Others might focus on other elements of practical usefulness or contribution to human diversity. Another option is a points-based system, whereby different skills and characteristics are ranked in terms of their desirability. In this system, an elderly person who speaks multiple languages may score higher than a physiologically fertile young person, due to their ability to substantially contribute to language preservation and education. This does not entirely eliminate the potential for discrimination, of course. Someone would need to decide which traits are most desirable and valuable to the new human society. However we determine our lifeboat candidates, it should be carefully considered. In our attempt to “save humanity”, we must avoid sacrificing the very things that make us human. <hr /> Evie Kendal is a contributor to <a href="https://global.oup.com/academic/product/reclaiming-space-9780197604793?cc=au&lang=en&">Reclaiming Space: Progressive and Multicultural Visions of Space Exploration</a> (Oxford University Press)<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/210647/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/evie-kendal-734653">Evie Kendal</a>, Senior lecturer of health promotion, <a href="https://theconversation.com/institutions/swinburne-university-of-technology-767">Swinburne University of Technology</a> Image credits: Getty Images This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/if-the-world-were-coming-to-an-end-what-would-be-the-most-ethical-way-to-rebuild-humanity-off-planet-210647">original article</a>.

Travel Trouble

Human remains found in search for missing teenager

Tasmanian Police have discovered human remains in their search for missing 14-year-old Shyanne-Lee Tatnell. After a huge ground and air search, the remains were found on a bush track at Nabowla, in the north-east of Tasmania. While police have yet to confirm the remains are those of the missing teen, they have notified Shyanne-Lee's parents of the discovery. Shyanne-Lee went missing almost three months ago on April 30th, and was last seen on a main road in Launceston. Northern District Commander Kate Chambers said a crime scene had been declared where the remains were found. "It is with a heavy heart that I can confirm that remains were located late this afternoon during our extensive search. While these have not yet been forensically confirmed, they are believed to be human remains," Chambers said. "We have been in regular contact with Shyanne-Lee's family throughout the investigative process, and have notified them about this latest development." "Our thoughts continue to be with them and Shyanne-Lee's loved ones during this difficult time." Police went on to confirm that no arrests have been made, but declared that the investigation into Shyanne-Lee's disappearance now likely had a “criminal element” as they are “following a specific line of inquiry". Tasmania Police, with the assistance of NSW Police, the Australian Federal Police, SES and community volunteers, launched what’s believed to be Northern Tasmania’s largest police operation on Wednesday in the search for clues as to Shyanne-Lee’s whereabouts. Image credits: Facebook / Tasmania Police

Legal

10 reasons humans kill animals – and why we can’t avoid it

<a href="https://theconversation.com/profiles/benjamin-allen-100036">Benjamin Allen</a>, <a href="https://theconversation.com/institutions/university-of-southern-queensland-1069">University of Southern Queensland</a> As long as humans have existed, they’ve killed animals. But the necessity of some types of animal killing are now questioned by many. So can humans ever stop killing animals entirely? And if not, what’s the best way forward? <a href="https://www.sciencedirect.com/science/article/pii/S0048969723039062">New research</a> I led investigates these questions. My colleagues and I identified the ten main reasons why humans kill animals. We found the need for some types of animal killing is questionable, but several forms are inescapable – a necessary part of humanity’s involvement in a single, functioning, finite global food web. But the debate doesn’t end there. Even if humans must kill animals in some cases, they can modify their behaviours to improve the welfare of animals while they are alive, and to reduce an animal’s suffering when it is killed. Doing so may improve the lives of animals to a greater extent than efforts to eliminate human killing entirely. <h2>Why humans kill animals</h2> Critics of animal-killing come from a variety of perspectives. Some oppose it on <a href="http://refhub.elsevier.com/S0048-9697(23)03906-2/rf0005">moral grounds</a>. Others claim animals should have <a href="https://conbio.onlinelibrary.wiley.com/doi/10.1111/cobi.13494">rights equal</a> to humans, and say animal killing is a criminal act. Many people view any animal killing as <a href="https://conbio.onlinelibrary.wiley.com/doi/10.1111/cobi.13126">cruel</a>, regardless of whether the animal suffers. But as valid and important as these views might be, they largely fail to address why humans kill animals – and why in many cases, it can’t be avoided. Our research sought to shed light on this. We focus our discussion on vertebrate animals which are almost universally recognised as “sentient” (or able to perceive and feel things). We identified ten main reasons humans kill animals: 1. Wild harvest or food acquisition: such as killing wild animals for meat 2. Human health and safety: such as reactively killing an animal when it attacks you 3. Agriculture and aquaculture: such as killing that occurs in the global meat industries, or killing required to produce crops 4. Urbanisation and industrialisation: such as clearing bushland to build homes 5. Wildlife control: such as programs that eradicate introduced animals to stop them killing native ones 6. Threatened species conservation: such as unintentionally killing animals when relocating them 7. Recreation, sport or entertainment: such as trophy hunting or bull fighting, and animal killing required to feed domestic pets 8. Mercy or compassion: such as euthanasing an animal hit by a car 9. Cultural and religious practice: such as animal sacrifice during the Islamic celebration of <a href="https://www.theguardian.com/world/2023/jul/01/sydney-muslims-take-eid-al-adha-livestock-sacrifice-into-their-own-hands">Eid al-Adha</a>, or those associated with the <a href="https://www.jstor.org/stable/1594756">Yoruba</a> religion of West Africa 10. Research, education and testing: such as the laboratory use of rodents or primates. <h2>Understanding human killing behaviour</h2> So how best should we understand the above types of animal killing? Our research considers them in ecological terms – as behaviours consistent with our predatory and competitive roles in the global food web. Such behaviours are intended to improve human prospects for acquiring food or to protect and enhance life. These are innate life objectives for any sentient animal. Maintenance of all life on Earth requires obtaining, using, disposing of and recycling chemical elements. Ecosystems can be thought of as a “battleground” for these elements. <a href="https://theconversation.com/peter-singers-fresh-take-on-animal-liberation-a-book-that-changed-the-world-but-not-enough-205830">Some people argue</a> that directly killing animals is unacceptable, or that adopting certain lifestyles or diets, such as veganism, can eliminate or greatly reduce animal killing. But in our view, achieving a no-killing lifestyle is a physical and ecological impossibility. For instance, most plant foods come from crops grown on land where animals have been <a href="https://www.mdpi.com/2076-2615/11/5/1225">killed or displaced</a>. And while an animal-free diet for humans might temporarily reduce the number of animals killed, this won’t last forever. As human populations continue to grow, more land will eventually be needed to meet their food requirements. At that point, humans will have to directly or indirectly kill animals again or risk dying themselves. Humans also need space to live, which <a href="https://www.sciencedirect.com/science/article/pii/S0048969723039062?ref=pdf_download&fr=RR-2&rr=7e2e8f44ae1aaae3#bbb1045">results in</a> animal killing when habitat is razed. Of course, in rare cases an individual human may live without killing animals directly. Perhaps they live in a cave in the forest, and get sustenance from wild berries and mushrooms. But that human still lives inside the food web, and is competing against other animals for finite resources. In these cases, other animals may suffer and die because the human’s use of berries and caves leaves less food and space for them. Even if that human could do no harm at all to any animal, it’s still impossible for societies at large to live in this way. Some forms of animal killing are certainly not essential for human existence. Good examples are recreational hunting, euthanasia or keeping pets (which requires killing animals to feed them). And we certainly do not condone direct human participation in all forms of animal killing. It’s also important to note that in many cases, current levels of animal killing are <a href="https://www.opsociety.org/stop-unsustainable-fishing/">unsustainable</a>. Human populations have increased to the point where animals must be killed on enormous scales to feed, house and protect ourselves. If this continues, animal <a href="https://www.sciencedirect.com/science/article/pii/S0048969723039062?ref=pdf_download&fr=RR-2&rr=7e2e8f44ae1aaae3#bbb0905">populations</a> will <a href="https://www.sciencedirect.com/science/article/pii/S0048969723039062?ref=pdf_download&fr=RR-2&rr=7e2e8f44ae1aaae3#bbb0910">crash</a> – and with them, human populations. Nevertheless, we maintain that the overall necessity of animal killing is an unavoidable reality for humanity as a whole. A variety of direct and indirect forms of animal killing will undoubtedly remain an ongoing human endeavour. <h2>Taking responsibility</h2> So what are the implications of all this? We hope our research leads to a constructive dialogue, which starts with accepting that human existence on Earth is dependent on animal killing. It should then focus on the nuances of animal welfare and sustainability. Humans are the only known animals with an ethical or moral conscience. That means we have <a href="https://www.sciencedirect.com/science/article/pii/S0048969723039062?ref=pdf_download&fr=RR-2&rr=7e2e8f44ae1aaae3#bbb0650">a responsibility</a> to assume a stewardship role over all other animals, to resolve negative interactions between them as best as possible, and to ensure good welfare for as many animals as we can. Directing our attention in this way is likely to improve the lives of animals to a greater extent than trying to prevent humans from killing animals altogether – efforts my colleagues and I believe will ultimately be in vain.<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/209218/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/benjamin-allen-100036">Benjamin Allen</a>, Wildlife ecologist, <a href="https://theconversation.com/institutions/university-of-southern-queensland-1069">University of Southern Queensland</a> Image credits: Getty Images This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/10-reasons-humans-kill-animals-and-why-we-cant-avoid-it-209218">original article</a>.

Family & Pets

"Possibly carcinogenic to humans": WHO's dire warning over common ingredient

The World Health Organisation (WHO) has called for one of the world’s most popular artificial sweeteners to be declared a possible carcinogen. The push will be led by the WHO’s research team for the International Agency for Research on Cancer (IARC), pitting it against the food industry and regulators. The sweetener, known as Aspartame, is used in products from Coca-Cola diet drinks, such as Diet Coke and Coke Zero, to Mars’ Extra chewing gum and some Snapple drinks. Later this month, the IARC will list Aspartame for the first time as “possibly carcinogenic to humans” The ruling from the IARC has assessed whether the sweetener is hazardous to humans or not, although it does not stipulate how much of the product a person can safely consume. This advice for individual consumers comes from a different organisation, known as JECFA (the Joint WHO and Food and Agriculture Organisation’s Expert Committee on Food Additives), who make consumption guidelines alongside national regulators. Despite the claims from the WHO, since as early as 1981 JECFA has said aspartame is safe to consume within accepted daily limits. An adult weighing 60kg would have to drink between 12 and 36 cans of diet soft drink, depending on the amount of aspartame in the beverage, every day to be at risk. Its view has been widely shared by national regulators, including in the United States and Europe. These conflicting reports have angered some regulators and consumers alike, with Japan’s Ministry of Health, Labour and Welfare official Nozomi Tomita writing to the WHO, “kindly asking both bodies to coordinate their efforts in reviewing aspartame to avoid any confusion or concerns among the public.” Image credits: Getty Images

Body

Human remains found in search for missing actor

Californian hikers have discovered human remains in the wilderness area where actor Julian Sands disappeared more than five months ago, according to authorities. Officials have not yet identified the victim. The remains were transported to the coroner’s office for confirmation, which is expected to be completed next week, The New York Post reported. Sands was reported missing on January 13 after he failed to return from a hiking trip in Mount Baldy, located about 72 kilometres east of Los Angeles. The search – consisting of 80 volunteers and officials – resumed on June 12 after a temporary suspension. Police have conducted eight ground and air searches since the actor's disappearance on the mountain. “Despite the recent warmer weather, portions of the mountain remain inaccessible due to extreme alpine conditions. Multiple areas include steep terrain and ravines, which still have 10-plus feet [about 16 metres] of ice and snow,” San Bernardino County Sheriff’s Office said. Sands’ family spoke publicly for the first time since he vanished, releasing a statement on June 23 to express their gratitude for the ongoing search and rescue efforts. “We are deeply grateful to the search teams and co-ordinators who have worked tirelessly to find Julian,” the family said. “We continue to hold Julian in our hearts, with bright memories of him as a wonderful father, husband, explorer, lover of the natural world and the arts, and as an original and collaborative performer.” Sands is known for starring in films such as Arachnophobia, A Room with a View, Warlock and Leaving Las Vegas. Mt. Baldy is renowned for being one of the most dangerous peaks to climb in California. According to the Los Angeles Times, six people have died with crews conducting over 100 searches as daredevils and avid hikers alike are drawn to the daunting challenge of the more-than-16,000 metre climb. In January, officials found hiker Jin Chung, 75, who had become lost on Mount Baldy and was hospitalised with a leg injury and other weather-related injuries. Before Chung’s brief disappearance, a mother of four fell more than 500 to 700 feet to her death. Crystal Paula Gonzalez, renowned as a “hiking queen”, slipped on the steep icy hillside and later died from her injuries, officials reported. Image credit: Facebook / Getty

News

Three Aussie regions set to be unliveable

Three major economic centres are set to become uninhabitable by the end of the century as global temperatures are on track to warm by 2.7C. It is predicted that Broome, Darwin and Port Hedland in WA are to be pushed outside the “human climate niche”, referring to the temperature and humidity conditions in which humans can survive. The destinations are just three of the many northwestern sections of Australia facing “niche displacement” in the next 70 years. New research by The University of Exeter, published in the science journal Nature Sustainability in May 2023, calculates the human cost of climate inaction based on current insufficient policies and government inaction. According to the report, two million people will be living with unprecedented mean average temperatures (MAT) above 29C. MAT >29C is the point at which wellbeing scientifically declines, labour productivity and cognitive ability shrinks, negative pregnancy outcomes are emancipated and mortality rates soar. The report calculates that twenty per cent of Australia, around 374,977 Aussies, will be negatively impacted by the 2.7C temperature increase. Those Australians would join a third of the world’s population, including Africa, South America, and South-East Asia. A 3C warmer temperature in Darwin would mean that for 265 days of the year, temperatures would reach above 35C. At 40C, humidity soars and temperatures become lethal, the Australian Academy of Science reports. The University of Exeter report also explained the effects of a “wet-bulb temperature” where temperature and humidity are combined. In temperatures above 28C (WBT) body struggles to cool itself by sweating, and fails to do so in temperatures above 35C (WBT), which can be fatal. By limiting global warming to 1.5C, which is the goal of the Paris Agreement, 80 per cent of those at risk of rising temperatures would remain in their climate niche. However, scientists warn that a 1.5C will still cause severe and irreversible effects on people, wildlife and ecosystems. Global warming currently sits at 1.2C, but new research from The World Meteorological Organisation suggests there is a 66 per cent chance at least one year in the next five will breach the 1.5C threshold. “Despite increased pledges and targets to tackle climate change, current policies still leave the world on course for about 2.7C end-of-century global warming,” The University of Exeter report said. “These results highlight the need for more decisive policy action to limit the human costs and inequities of climate change.” The report also found the impacts of rising temperatures will not be felt equally, as estimates of the human cost of climate change “tend to be expressed in monetary terms”. “(Estimates) tends to recognise impacts on the rich more than those on the poor (because the rich have more money to lose) and tend to value those living now over those living in the future (because future damages are subject to economic discounting),” the report said. “From an equity standpoint, this is unethical — when life or health are at stake, all people should be considered equal, whether rich or poor, alive or yet to be born.” Image credit: Shutterstock

Domestic Travel

"Get a grip": Retirees roasted over tone-deaf pension question

A pair of retirees - and their significant others - have found themselves at the centre of a new online debate, all because of their submission to one financial advice column, and its circulation on social media. Both retirees - each with millions of dollars to their names - submitted their concerns to the Sun Herald’s George Cochrane, hoping for financial advice and a solid strategy moving forward with their respective retirements. The first request saw a 78-year-old man and his 79-year-old wife ask if they should look into selling some of their shares in order to stay below a threshold. The couple were receiving an account-based pension from their self-managed super fund, with a combined total of nearly $2.3 million - he had $1,5999,956 and she had $675,590 as of July 2017. Their combined funds were invested in Australian shares, they noted, and gave them a “healthy return which includes imputation credits”. They went on to share that since 2017, some of their shareholdings had “more than doubled in value”, and that the husband’s contribution to their fund had exceeded “the $3 million limit which the government intends to bring in.” “What will be the tax implications if my SMSF reaches $4 million and my wife’s $1.8 million?” they asked. “Should we sell some of our shares to stay below the $3 million threshold?” The second request came from a 60-year-old woman on behalf of herself and her 50-year-old husband, in which she revealed they had property valued at $4 million, and that they’d accessed her super to pay their $300,000 mortgage. His super, meanwhile, still contained half a million. Additionally, the two had plans to relocate to Europe to a “less expensive property” in order for them to spend more time - and have more funds to put towards - travelling. “We prefer not to work,” she shared, “have no children and intend to spend all our money. What would be a good strategy?” Advice was given, but the column’s wave of response came when The Guardian’s deputy news editor Josephine Tovey shared it to her Twitter, sharing her thoughts on the “generational inequality” it represented, and closing her take with the line “what problems to have”. <blockquote class="twitter-tweet"> Honestly if you want to get your blood up about generational inequality in Australia may I recommended the letters on the Money page of the Sun Herald? What problems to have. <a href="https://t.co/uka3EpbOOj">pic.twitter.com/uka3EpbOOj</a> — Josephine Tovey (@Jo_Tovey) <a href="https://twitter.com/Jo_Tovey/status/1660073911944638464?ref_src=twsrc%5Etfw">May 21, 2023</a></blockquote> Many - mostly those from younger generations, primarily millennials - were quick to side with Tovey, unable to wrap their heads around the idea that the couples’ problems were valid ones. “Oh no. I have TOO MUCH MONEY. What to do, what to do,” one user wrote. “‘I have more money than I know what to do with. Please help’,” another contributed. “I'd ‘prefer not to work’ too but here I am,” one quipped. And as someone else put it, “more than $4 million in assets but too cheap to pay for professional advice. Nothing could be more boomer than this.” “I think that there is huge inequity and variance among Boomers - often depending on the presence or absence of intergenerational wealth,” another user noted. “Ditto with millennials cos of [the] same reason”. However, for every person who was condemning them, another was prepped and ready to come to their defence. “Dear oh dear. Tall poppy syndrome strikes again - Australians are so good at trying to tear down the successful,” one said. “Seriously, get a grip everyone. Good luck to them and I hope they enjoy their respective retirements.” “My partner and I don’t have kids, we live in a modest house and save as much as we can so that we can retire early and travel, we are not landlords, we didn’t inherit any money but we should have about $2 million to retire on, we are working class,” one shared, “doesn’t seem wrong to me.” “They obviously worked hard and earnt it!! Haters going to hate - but good on them - I hope in 20 years when I retire, I have problems like this too,” another wrote. “So they have worked hard all their lives, they don’t have children and they want to travel - why is this an issue?” someone wanted to know, before adding that “they deserve to spend their twilight years in comfort.” Images: Twitter

Money & Banking

Are bigger super funds better? Actually no, despite what the industry is doing

<a href="https://theconversation.com/profiles/geoff-warren-3657">Geoff Warren</a>, <a href="https://theconversation.com/institutions/australian-national-university-877">Australian National University</a> Australia’s superannuation funds are getting bigger – and fewer. There were <a href="https://www.theguardian.com/australia-news/2021/aug/29/australian-superannuation-mergers-cut-number-of-funds-by-half-in-a-decade">close to 400</a> funds in 2010. With mergers, it’s now <a href="https://www.investordaily.com.au/superannuation/53144-are-mega-funds-poised-to-dominate-the-super-industry">closer to 120</a>. By 2025, according to industry executives surveyed last year, there will be <a href="https://www.investordaily.com.au/superannuation/50971-rise-of-mega-funds-set-to-intensify-erasing-100-funds-by-2025">fewer than 50</a>. The portfolios of the two biggest super funds, AustralianSuper and Australian Retirement Trust, are bigger than even the federal government’s Future Fund Management Agency, which oversees the A$194 billion <a href="https://yearinreviewfy22.futurefund.gov.au/performance-results.html">Future Fund</a> and several other funds worth a total $242 billion. <hr /> <iframe id="0wOBb" class="tc-infographic-datawrapper" style="border: none;" src="https://datawrapper.dwcdn.net/0wOBb/5/" width="100%" height="400px" frameborder="0"></iframe> <hr /> Underpinning this consolidation is the idea that larger scale is beneficial for superannuation fund members. But that’s not necessarily true. A bigger fund is no guarantee of better returns. I’ve examined the issue of fund scale with Scott Lawrence, an investment manager with 35 year’s industry experience. Together we’ve written <a href="https://theconexusinstitute.org.au/wp-content/uploads/2023/03/Does-Size-Benefit-Super-Fund-Members-24-March-2023.pdf">a report</a> for the Conexus Institute, an independent research centre focused on superannuation issues. Our conclusion: funds, large and small alike, succeed or fail depending on how well they formulate and execute their strategies. <h2>Managing assets in-house</h2> The first potential benefit of bigger size is that funds can manage assets using their own dedicated investment professionals, rather than outsourcing everything to external investment managers to invest on their behalf. For example, UniSuper (the higher education industry fund) manages <a href="https://www.unisuper.com.au/investments/how-we-invest/investment-managers">70% of assets in-house</a>. AustralianSuper, with more than double UniSuper’s assets, manages <a href="https://www.australiansuper.com/-/media/australian-super/files/about-us/annual-reports/2022-annual-report.pdf">53% of assets</a> in-house. This can be cheaper than paying fees as a percentage of assets to these external providers. It offers more control as the super fund can decide the assets in which they invest, rather than leaving the decision to someone else. But fund members will only benefit if the internal team makes investment decisions that are as good as the service they are replacing. For this reason, there is no reliable correlation between performance and degree of in-house management. <h2>Investing in big-ticket items</h2> The second potential benefit is it becomes more possible to become successful direct investors in “big ticket” assets such as infrastructure and property, instead of just focusing on shares and other assets traded on stock exchanges. For example, AustralianSuper owns <a href="https://www.australiansuper.com/-/media/australian-super/files/about-us/media-releases/australiansuper-increases-investment-in-westconnex.pdf">20.5% of WestConnex</a>, Australia’s biggest infracture project, having contributed $4.2 billion to the consortium that is building the mostly underground toll-road system linking western Sydney motorways. Opportunities like this are easier to access by large funds, and can help to diversify their portfolios. But such direct investment is costlier than buying shares and bonds. This limits the potential for fee reductions. For members to benefit, these investments must deliver attractive returns. This requires a fund developing capability in what are specialised markets. Size alone won’t deliver on its own. <h2>Economies of scale and scope</h2> The third potential benefit is that size brings economies of scale and scope. Scale can reduce fees, by spreading the fund’s fixed costs over a larger member base. Our review of the research literature confirms there are solid reasons to expect administration costs to reduce with size, as well as in-house management reducing investment costs. <hr /> <iframe id="26cxr" class="tc-infographic-datawrapper" style="border: none;" src="https://datawrapper.dwcdn.net/26cxr/3/" width="100%" height="400px" frameborder="0"></iframe> <hr /> Economies of scope involve an organisation being able to improve or increase services, say by investing in better systems and more staff. But investing in better systems also brings potential pitfalls. Big visionary projects tend to run over time and over budget, and sometimes fail. An example is the disastrous attempts of five industry funds (AustralianSuper, Cbus Super, HESTA, Hostplus and MTAA Super) to develop a shared administration platform, called Superpartners. It was meant to cost $70 million, but development costs blew out to $250 million before <a href="https://www.investmentmagazine.com.au/2016/12/link-group-completes-superpartners-integration/">they gave up</a>. <h2>Size brings its own challenges</h2> Large funds also face some unique challenges. Because they have more money to invest, they have more work to do in finding sufficient attractive assets to buy. The risk is they need to accept some assets offering low returns to do so. They can also outgrow some market segments, such as owning shares in smaller companies. Large organisations are typically more complex, more bureaucratic and less flexible. They can find it difficult to coordinate staff to work towards a common purpose. These elements may create dysfunction if not managed. This may explain why, despite the potential increased scope of their offerings, surveys suggest large funds tend to deliver <a href="https://www.investmentmagazine.com.au/2022/08/members-willing-to-pay-for-better-service-post-retirement/">less personalised service</a>. So the idea “bigger is better” is not necessarily true. Large size is not an automatic win. Whether the advantages outweigh the disadvantages and challenges ultimately depends on fund trustees and management doing their jobs well so that members benefit.<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/203417/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/geoff-warren-3657">Geoff Warren</a>, Associate Professor, College of Business and Economics, <a href="https://theconversation.com/institutions/australian-national-university-877">Australian National University</a> Image credits: Getty Images This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/are-bigger-super-funds-better-actually-no-despite-what-the-industry-is-doing-203417">original article</a>.

Retirement Income

Government will require bosses to pay workers their super on payday

<a href="https://theconversation.com/profiles/michelle-grattan-20316">Michelle Grattan</a>, <a href="https://theconversation.com/institutions/university-of-canberra-865">University of Canberra</a> A government change requiring superannuation to be paid on payday could mean a young employee will be several thousand dollars better off by retirement. The reform – which will not come in until July 1 2026 – will benefit the retirement incomes of millions of Australians, according to Treasurer Jim Chalmers and Assistant Treasurer Stephen Jones. They give the example of a 25-year-old median income earner presently receiving their super quarterly and their wages each fortnight, who could be about $6000 (or 1.5%) better off when they retire. The ministers argue there will be benefits to bosses, as well as to the workers, in the change. “More frequent super payments will make employers’ payroll management smoother with fewer liabilities building up on their books.” They say payday super will mean employees can keep track of the payments more easily and it will be more difficult for disreputable employers to exploit them. “While most employers do the right thing, the Australian Taxation Office (ATO) estimates $3.4 billion worth of super went unpaid in 2019-20.” The ATO will get extra resourcing to help it detect unpaid super payments earlier. Treasury and the ATO will consult stakeholders on the changes later this year. The ministers say the July 1 2026 start will give employers, superannuation funds, payroll providers and other parts of the superannuation system enough time to get ready for the change.<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/204759/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/michelle-grattan-20316">Michelle Grattan</a>, Professorial Fellow, <a href="https://theconversation.com/institutions/university-of-canberra-865">University of Canberra</a> Image credits: Getty Images This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/government-will-require-bosses-to-pay-workers-their-super-on-payday-204759">original article</a>.

Retirement Income

Super simple cake decorating ideas

Whether you’re making a cake for a special occasion or simply want to create something extra fancy for a family dinner, you’d be surprised how easy it can be to decorate a cake into something fit for a cooking show. Whether it’s using a few store-bought meringues, slicing up some strawberries or using your favourite biscuits to make a balloon feature, you’ll never make a plain old cake again after reading our super simple cake decorating ideas. Meringue on the mind For an effective alternative to piped-frosting rosettes or expensive store-bought edible roses, opt for some mini meringues from the supermarket. Use them around the edge of the cake for a simple yet stylish finish that packs a crunchy punch. Up, up and away with cookies Whether you want to make biscuits of your own or buy your favourite biccies from the shop, once you’ve iced your cake arrange a cluster of biscuits nearer to one end of the cake and use liquorice shoestrings (or another thin long lolly of your choosing) to form the balloon strings coming from the biscuits. You may want to knot the strings for extra detail. Another tip you may want to use is, if your biscuits are on the plan side, cover them in different colour frostings and then decorate them with colours sprinkles. Strawberry fields Sometimes things in your very own fridge make the perfect cake decorations. Strawberries not only taste delicious and fresh, their vibrant colour makes them an eye-catching decoration. Thinly slice one punnet of fresh strawberries. Starting from the outside perimeter, place a ring of strawberries around the cake, pointed facing out. Continue layering rings around the cake until you reach the centre. Shaved Chocolate For all the chocoholics out there, this one’s for you. A decadent way to decorate a cake is with shavings of chocolate. If you’re worried you won’t be so good at making your own shavings, some stores do sell them. You can mix and match milk, white and dark chocolate and even throw in a few different flavours – think orange, mint or chilli chocolate. While there are many ways you can arrange the shavings, the circular, ring-type layering described above in strawberry fields works well. Spotty dotty Polka dots are all the rage and white frosting dots on a cake that has been iced in a pale colour, will look extremely lovely. For neatly piped dots, you’ll want to use a pastry bag. Hold the pastry bag in both hands; keep the tip just above the cake's surface, at a slight angle. Gently squeeze out icing, release, and pull back. Frosting dots will also help to hide smudged edges or spotty icing. You can either use different size dots or big and small ones. But whatever you do, start with the large ones. Images: Getty

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Elephant tourism often involves cruelty – here are steps toward more humane, animal-friendly excursions