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Property tycoon sentenced to death over $27 billion fraud

<p>A Vietnamese billionaire was sentenced to death on Thursday in one of the biggest corruption cases in history, an estimated $27 billion in damages - a figure equivalent to six percent of the country’s 2023 GDP. </p> <p>Truong My Lan, chair of major developer Van Thinh Phat, was found guilty of embezzlement, after looting from one of the country's biggest banks, Saigon Commercial Bank (SCB) for over a decade. </p> <p>“The defendant’s actions... eroded people’s trust in the leadership of the (Communist) Party and state,” the verdict read at the trial in Ho Chi Minh City. </p> <p>After a five-week trial, 85 others were also charged for their involvement in the fraud, with charges ranging from from bribery and abuse of power to appropriation and violations of banking law. </p> <p>Four were given life imprisonment, while others received jail terms ranging between 20 years and three years suspended. Lan's husband was Hong Kong billionaire Eric Chu Nap Kee, was sentenced to nine years in prison.</p> <p>Lan and the others were arrested as part of a national corruption crackdown.</p> <p>Lan was initially believed to have embezzled $12.5 billion, but on Thursday prosecutors have said that the total damages caused by the fraud now amounted to $27 billion. </p> <p>The property tycoon was convicted of taking out $44bn in loans from the bank, according to the <em>BBC</em>, with prosecutors saying that $27 billion of this may never be recovered. </p> <p>The court ordered Lan to to pay almost the entire damages sum in compensation. </p> <p>It is also <a href="https://www.bbc.com/news/world-asia-68778636" target="_blank" rel="noopener">reported</a> that she is one of very few women in Vietnam to be sentenced to death for a white collar crime. </p> <p>“In my desperation, I thought of death,” Lan said in her final remarks to the court, according to state media. </p> <p>“I am so angry that I was stupid enough to get involved in this very fierce business environment -- the banking sector -- which I have little knowledge of.”</p> <p>Police have identified around 42,000 victims of the scam, and many of them were unhappy with the verdict. </p> <p>One 67-year-old Hanoi resident told the AFP that she had hoped Lan would receive a life sentence so she could fully witness the devastating impact of her actions. </p> <p>“Many people worked hard to deposit money into the bank, but now she’s received the death sentence and that’s it for her,” they said. </p> <p>“She can’t see the suffering of the people.”</p> <p>The resident has so far been unable to retrieve the $120,000 she invested with SCB. </p> <p>Police have said that many of the victims are SCB bondholders, who cannot withdraw their money and have not received interest or principal payments since Lan’s arrest. </p> <p>Authorities have also reportedly seized over 1000 properties belonging to Lan. </p> <p><em>Image: Twitter</em></p> <p> </p>

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Sunrise rocked by allegation of "fraud"

<p><em>Sunrise</em> and the Seven Network have been rocked by an investigation by their biggest competitor, who exposed both allegations of "fraud", as well as threatening emails to a young journalist at Nine who was chasing the story. </p> <p>The scandal began when a reporter for the <em><a href="https://www.smh.com.au/national/new-seven-expenses-affair-rocks-sunrise-top-network-executives-20240408-p5fi6w.html" target="_blank" rel="noopener">Sydney Morning Herald</a></em> was alerted to an investigation being conducted by an independent law firm into the Sunrise program. </p> <p>According to reports by Nine, the law firm began an investigation, which was also conducted by a financial and corporate auditor, into reports that Sunrise staff members had grossly misused travel benefits. </p> <p>The allegations claimed that a small number of Sunrise staffers, as well as some of their friends and family, had taken flights and stayed in hotels on trips not related to their work duties, using benefits provided to the network by Qantas as part of a multimillion-dollar advertising and sponsorship deal.</p> <p>When business reporter for the<em> Australian Financial Review</em> Zoe Samios, a publication owned by Nine, reached out to Seven’s long-time commercial director Bruce McWilliam to chase the story, she was allegedly met with threatening emails saying her probes into the allegations had caused Seven’s star executive producer Michael Pell to self-harm.</p> <p>“This is what your unfounded reports have caused Michael to do,” Mr McWilliam wrote to Ms Samios in October last year.</p> <p>Attached to the email was a graphic image of him, bloodied and in a hospital gown, with a noticeable head wound.</p> <p>“Why don’t you keep it up so he kills himself. You are a complete disgrace. That law firm you name didn’t conduct any investigation. If you publish untrue allegations … and he tops himself. It’s on you. We are determined to protect him,” the email read.</p> <p>Speaking exclusively to <em><a href="https://www.news.com.au/finance/business/media/sunrise-rocked-by-fraud-investigations-that-top-tv-exec-tried-to-keep-secret/news-story/4b755d82167f825140c63b6e07107745" target="_blank" rel="noopener">news.com.au</a></em> on Thursday as the investigations were made public for the first time, Mr McWilliam defended the email and said he was defending a colleague and “friend” against “false allegations”.</p> <p>However, several months before the email, Mr Pell had stepped down as the boss of Sunrise and was appointed Seven's Senior Vice President of Entertainment Content in North America, and he moved to Los Angeles shortly after.</p> <p>On Thursday, Mr McWilliam told <em>news.com.au</em> that he became incensed when Mr Pell’s name was linked to the investigation, prompting his fiery email to Samios.</p> <p>“The accusations against Michael were exaggerated,” he told <em>news.com.au</em>.</p> <p>“I make no excuse for having acted to protect a colleague, against whom false allegations were being made. Michael Pell has been a friend of mine for many years.”</p> <p>The newspaper subsequently agreed to kill the story over concerns for Mr Pell’s mental health and wellbeing.</p> <p>While the findings of the alleged expenses investigation were delivered to Seven and described as "serious", a source close to the investigation insists that while the accusations are significant, they do not constitute "fraud" in the legal sense. </p> <p>Despite that, it’s understood that a small number of staff left the network following the findings being delivered to Seven, with the staffers signing nondisclosure agreements upon their departure.</p> <p>The scandal's reemergence comes 18 moths after the initial allegations, as Seven finds itself in another controversy over its flagship current affairs program <em>Spotlight</em> and its handling of an exclusive interview with Bruce Lehrmann.</p> <p><em>Image credits: Sunrise</em></p>

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"How could he do it to me?": Grandmother broken over grandson's alleged fraud

<p>In a courtroom in Perth, emotions ran high as a heartbroken grandmother awaited a reunion with her grandson, Jack Endersby. But this wasn't a typical family gathering. It was a courtroom confrontation, where Lyn Newby hoped her grandson would look her in the eye and confront the pain he allegedly caused by defrauding her of more than $320,000.</p> <p>Endersby, a 24-year-old <a href="https://www.9news.com.au/national/perth-news-grandmother-lost-320000-after-investing-in-grandson-business-alleged-ponzi-scheme/e3ea6396-750c-452c-8e87-c0ef53d65ede" target="_blank" rel="noopener">accused of orchestrating a Ponzi-style scheme</a> that allegedly swindled around $2 million from victims across Australia, faced the scrutiny of the law and the anguish of his own family. The accusations against him span from February 2021 to February 2024, a period during which he allegedly promised lucrative returns to investors, only to leave them empty-handed and disillusioned.</p> <p>For Newby, the betrayal cut deep. She had entrusted her grandson with a substantial sum, believing it to be an investment in his trading business, Codex Investments. His promises of monthly returns seemed enticing, but when the payments abruptly ceased, Newby's world shattered.</p> <p>"He has ruined our lives," she lamented. "How could he do it to me? I'm his grandmother." </p> <p>Endersby's arrest earlier this month marked a turning point in the unravelling of his alleged scheme. Facing 11 charges of fraud, he appeared in Perth Magistrates Court, where his family, including his mother, sought answers and reconciliation. However, Endersby remained aloof, ignoring their attempts at communication.</p> <p>In the lead-up to his court appearance, Newby expressed her desire for her grandson to acknowledge the pain he caused. "He will feel terrible when he sees me, and I want him to look me in the eye and know how much he's hurt me," she said, her anguish palpable.</p> <p>The allegations against Endersby paint a stark contrast to his earlier life. Once a telesales consultant and labourer, he purportedly transformed into a "self-taught investor" with a multimillion-dollar portfolio and a lifestyle of luxury. Flashy holidays, upscale accommodations and a Maserati adorned his newfound prosperity, allegedly funded by the deceitful machinations of a Ponzi scheme.</p> <p>As the details of Endersby's alleged deception emerged, more victims came forward, each recounting their own stories of financial loss and shattered trust. Michael Dawson, who invested in Endersby's business 18 months prior, described initial returns followed by a troubling silence. Others spoke of referral schemes that seemingly built trust but ultimately ensnared unsuspecting investors in a web of deceit.</p> <p>Amid the courtroom drama and legal proceedings, questions linger about the true extent of Endersby's alleged scheme and the lives it impacted. As he awaits his next court appearance on April 19, the echoes of broken trust and shattered dreams serve as a stark reminder of the devastating consequences of financial fraud.</p> <p><em>Images: Nine News</em></p>

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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.<!-- Below is The Conversation's page counter tag. Please DO NOT REMOVE. --><img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/216833/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /><!-- End of code. If you don't see any code above, please get new code from the Advanced tab after you click the republish button. The page counter does not collect any personal data. More info: https://theconversation.com/republishing-guidelines --></p> <p><em><a href="https://theconversation.com/profiles/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>

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

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

Money & Banking

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The $500 million ATO fraud highlights flaws in the myGov ID system. Here’s how to keep your data safe

<p><em><a href="https://theconversation.com/profiles/rob-nicholls-91073">Rob Nicholls</a>, <a href="https://theconversation.com/institutions/unsw-sydney-1414">UNSW Sydney</a></em></p> <p>The Australian Tax Office (ATO) paid out more than half a billion dollars to cyber criminals between July 2021 and February 2023, according to an <a href="https://www.abc.net.au/news/2023-07-26/ato-reveals-cost-of-mygov-tax-identity-crime-fraud/102632572">ABC report</a>.</p> <p>Most of the payments were for small amounts (less than A$5,000) and were not flagged by the ATO’s own monitoring systems.</p> <p>The fraudsters exploited a weakness in the identification system used by the myGov online portal to redirect other people’s tax refunds to their own bank accounts.</p> <p>The good news is there’s plenty the federal government can do to crack down on this kind of fraud – and that you can do to keep your own payments secure.</p> <h2>How these scams work</h2> <p>Setting up a myGov account or a myGov ID requires proof of identity in the form of “<a href="https://www.afp.gov.au/sites/default/files/PDF/NPC-100PointChecklist-18042019.pdf">100 points of ID</a>”. It usually means either a passport and a driver’s licence or a driver’s licence, a Medicare card, and a bank statement.</p> <p>Once a myGov account is created, linking it to your tax records requires two of the following: an ATO assessment, bank account details, a payslip, a Centrelink payment, or a super account.</p> <p>These documents were precisely the ones targeted in three large data breaches in the past year: at <a href="https://theconversation.com/what-does-the-optus-data-breach-mean-for-you-and-how-can-you-protect-yourself-a-step-by-step-guide-191332">Optus</a>, at <a href="https://theconversation.com/medibank-hackers-are-now-releasing-stolen-data-on-the-dark-web-if-youre-affected-heres-what-you-need-to-know-194340">Medibank</a>, and at <a href="https://asic.gov.au/about-asic/news-centre/news-items/guidance-for-consumers-impacted-by-the-latitude-financial-services-data-breach/">Latitude Financial</a>.</p> <p>In this scam, the cyber criminal creates a fake myGov account using the stolen documents. If they can also get enough information to link to the ATO or your Tax File Number, they can then change bank account details to have your tax rebate paid to their account.</p> <p>It is a sadly simple scam.</p> <h2>How government can improve</h2> <p>One of the issues here is quite astounding. The ATO knows where salaries are paid, via the “<a href="https://www.ato.gov.au/business/single-touch-payroll/what-is-stp-/">single touch</a>” payroll system. This ensures salaries, tax and superannuation contributions are all paid at once.</p> <p>Most people who have received a tax refund will have provided bank account details where that payment can be made. Indeed, many people use precisely those bank account details to identify themselves to myGov.</p> <p>At present, those bank details can be changed within myGov without any further ado. If the ATO simply checked with the individual via another channel when bank account details are changed, this fraud could be prevented. It might be sensible to check with the individual’s employer as well.</p> <p>Part of the problem is the ATO has not been very transparent about the risks. If these risks were clearly set out, then calls for changes to ATO procedures would have been loud and clear from the cyber security community.</p> <p>The ATO is usually good at identifying when a cyber security incident may lead to fraud. For example, when the recruitment software company <a href="https://www.abc.net.au/news/2018-06-06/australian-data-may-be-compromised-in-pageup-security-breach/9840048?itm_campaign=newsapp">PageUp was hacked in 2018</a>, the ATO required people who may have been affected to reconfirm their identities. This was done without public commentary and represents sound practice.</p> <p>Sadly, the millions of records stolen in the Optus, Medibank and Latitude Financial breaches have not led to a similar level of vigilance.</p> <p>Another action the ATO could take would be to check when a single set of bank account details is associated with more than one myGov account.</p> <p>A national digital identity would also help. However, this system has been in development for years, is not universally popular, and may well be <a href="https://www.themandarin.com.au/226280-gallagher-warns-community-support-for-digital-identity-not-ubiquitous/">delayed</a> until after the federal election due in 2024.</p> <h2>Protecting yourself</h2> <p>The most important thing to do is make sure the ATO does not use a bank account number other than yours. As long as the ATO only has your bank account number to transfer your tax rebate, this scam does not work.</p> <p>It also helps to protect your Tax File Number. There are only four groups that ever need this number.</p> <p>The first is the ATO itself. The second is your employer. However, remember you do not need to give your TFN to a prospective employer, and your employer only needs your TFN <em>after</em> you have started work.</p> <p>Your super fund and your bank may ask for your TFN. However, providing your TFN to your super fund or bank is optional – it just makes things easier, as otherwise they will withhold tax which you will need to claim back later.</p> <p>Of course, all the usual data safety issues still apply. Don’t share your driver’s licence details without good reason. Take similar care with your passport. Your Medicare card is for health services and does not need to be shared widely.</p> <p>Don’t open emails from people you do not know. Never click links in messages unless you are sure they are safe. Most importantly, know your bank will not send you emails containing links, nor will the ATO.<!-- Below is The Conversation's page counter tag. Please DO NOT REMOVE. --><img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/210459/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /><!-- End of code. If you don't see any code above, please get new code from the Advanced tab after you click the republish button. The page counter does not collect any personal data. More info: https://theconversation.com/republishing-guidelines --></p> <p><em><a href="https://theconversation.com/profiles/rob-nicholls-91073">Rob Nicholls</a>, Associate professor of regulation and governance, <a href="https://theconversation.com/institutions/unsw-sydney-1414">UNSW Sydney</a></em></p> <p><em>Image </em><em>credits: Shutterstock</em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/the-500-million-ato-fraud-highlights-flaws-in-the-mygov-id-system-heres-how-to-keep-your-data-safe-210459">original article</a>.</em></p>

Technology

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Can you lend a paw this tax time to help cats in need?

<p>With a proud reputation of caring for cats for more than 60 years, the Cat Protection Society of NSW runs Sydney’s only no-kill shelter just for cats, as well as providing feline welfare programs to help cats and the people who love them. </p> <p>Cat Protection began in 1958 as a small group of people dedicated to reducing the number of street cats and while our organisation has grown over the years, our vision remains the same; that every cat deserves a loving and responsible home.</p> <p>Over the years, Cat Protection has helped literally hundreds of thousands of cats, kittens, and people. We’ve led the way in setting the standards for best-practice feline sheltering, and our health and welfare services extend far beyond our adoption centre. And while technology means we can offer a great range of free cat care resources online, we’ve never lost our human touch and we still help thousands of people every year with advice and tips on cat care by phone or in-person, at no cost. </p> <p>Our subsidised desexing, vaccination and microchipping programs promote cat health and welfare in the community and our newest program, Adopt-a-Stray, offers a complete and affordable package for those who wish to fully welcome a street cat into their heart and home. </p> <p>What sets us apart from many other animal shelters is our holistic approach to each individual cat or human client. Cats are not given a time limit, although most are adopted within days or weeks. Every cat is individually assessed and provided with a care plan to meet their unique needs. If they need complex surgery, allergy trials or behavioural interventions our highly qualified team will work with veterinarians and specialists to ensure the cat gets everything they need to set them on the path to living their best life.</p> <p>A kind person found Snake, a four-week-old sickly orphaned kitten. In addition to cat flu, our vets identified corneal scarring in his right eye, a blocked tear duct, and an adhesion on his eyelid restricting the normal movement of his third eyelid. Treatment resolved the flu and improved his eye, but Snake will live with limited vision in that eye. This has not dampened his playfulness or zest for life.</p> <p>As well as poor physical health, orphaned kittens miss out on the important lessons of being a cat from their mum and siblings, and this can lead to behavioural issues. Where we can, we will make sure such kittens get to join a stepfamily, but in cases such as Snake’s, illness means that isn’t always possible. It is then up to our human team to work with these little ones to help them learn to navigate the world with good manners!</p> <p>In contrast, Banjo had all the behavioural benefits of his brother but alas at seven weeks of age Banjo weighed only 560 grams while his brother Clancy weighed 900 grams!  </p> <p>Banjo was diagnosed with a rare form of congenital hypothyroidism. Because his condition was diagnosed early, his prognosis is very good. He was started on a medication called Thyroxine and went back into foster care so that we could monitor his progress and adjust the dose of his medication as necessary with follow-up blood tests. After six weeks in foster care, Banjo graduated to the adoption centre. He will need to be on Thyroxine for the rest of his life, but that didn’t daunt his new family who’ve told us Banjo is now thriving in his loving forever home.</p> <p>From individualised TLC and veterinary care for every cat and kitten, to helping human clients resolve cat challenges (from furniture scratching to strata bans) and strategic research and advocacy on behalf of people and cats, Cat Protection’s impact is so much greater than our budget. </p> <p>As an independent registered charity for cats, we’re dependent on donations and bequests to do our work. We are compliant, open and transparent; on our website you can see our audited annual reports for details of what we do and what it costs.</p> <p>We have a strict “no harassment” fundraising policy which means under no circumstances will your information be sold on, and we do not employ pressure-tactics or door-to-door solicitations. </p> <p>We don’t spend money paying fundraising companies to ring you at dinner time asking for money or send you five-page long letters insisting you give more. And we never will. </p> <p>Donations are invested in helping our feline friends and nurturing the unique bond between cats and people. Your generosity will mean that we can continue to help thousands of cats and people each year.</p> <p>If you can lend a paw, please <a href="https://www.givenow.com.au/catprotectionsocietynsw" target="_blank" rel="noopener">make your tax-deductible donation here</a>! </p> <p>For general advice on cat care and everything feline, call the Cat Protection Society of NSW on 02 9557 4818 or visit <a href="https://catprotection.org.au/" target="_blank" rel="noopener">catprotection.org.au</a>  </p> <p><em>Images: Supplied.</em></p> <p><em>This is a sponsored article produced in partnership with the <span style="font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Oxygen, Ubuntu, Cantarell, 'Open Sans', 'Helvetica Neue', sans-serif;">Cat Protection Society of NSW.</span></em></p>

Family & Pets

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Melissa Caddick's parents at war with fraud victims

<p>Melissa Caddick's parents are at war with the victims of the deceased conwoman's long-running scam, as they fight over who deserves the biggest cut of her estate. </p> <p>The two parties are locked in a bitter despite over Caddick's penthouse apartment in Sydney's affluent eastern suburbs, where Caddick's parents Ted and Barb Grimley currently reside.</p> <p>The Grimleys claim they deserve a larger share of the proceeds of the sale of the property, despite the penthouse being purchased by Caddick as part of her Ponzi scheme. </p> <p>However, the victims of Caddick's scam are adamant that the proceeds should be evenly divided by those who have suffered at the hands of the deceased conwoman. </p> <p>The apartment was purchased by Caddick seven years ago, when Mr and Mrs Grimley gave their daughter $1 million for a share of the eastern suburbs residence.</p> <p>Despite the hefty share sum, Melissa put the entire apartment in her own name and used her parents' money on new jewellery.</p> <p>The Grimleys have refused to vacate the property, telling the victims during a recent mediation that they would only move out if they were paid $950,000 – effectively getting most of their money back and leaving nearly 60 other investors divvying up the rest of the proceeds and getting back less than half of what they are owed.</p> <p>One of the victims of Caddick's scam, Sarah Steel, said she feels for the Grimleys and what they have been through, but they need to think of the other victims involved. </p> <p>"I feel really terrible for what they've been through," she said.</p> <p>"But it feels to me that they aren't feeling the same for the rest of us going through this same thing."</p> <p>"We're facing a situation where other people are putting themselves forward as a priority to the other investors who were duped." </p> <p>Lawyers for the majority of Caddick's victims are now considering suing the auditors that Caddick hired and who were tasked with casting a critical eye over her finances.</p> <p>Given Caddick ran one of the longest frauds in Australian history, not one auditor over the years ever flagged a problem with her financial accounts.</p> <p>Michael Chapman, the lawyer representing the majority of Caddick's victims, is at a complete loss as to how the auditors couldn't have noticed the fraudulent behaviour. </p> <p>"We feel like they've dropped the ball," he told <em>60 Minutes</em>.</p> <p>"We feel as though there is a good claim that could be brought forward against the auditors." </p> <p>Lawyers will be seeking $15 million from the auditors in a potential court case, and if they succeed, the victims of Caddick's scamming would be close to getting back all of the money they lost. </p> <p>"I don't discount the pain and the suffering that these people have been through to this point," Chapman said.</p> <p>"It would be a silver lining."</p> <p><em>Image credits: 60 Minutes</em></p>

Legal

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Melissa Caddick mystery officially laid to rest

<p>A corner has revealed missing fraudster Melissa Caddick is dead but it’s difficult to determine when and how she died.</p> <p>Deputy State Coroner Elizabeth Ryan released her findings after a lengthy coronial inquest examined the circumstances surrounding the 49-year-old’s mysterious disappearance.</p> <p>“I believe it’s appropriate at the outset to say I have concluded Melissa Caddick is deceased,” Ryan said as she handed down her findings at the NSW Coroner’s Court in Lidcombe.</p> <p>However, Ryan said it was tricky to make an accurate finding as to how, when and where she died.</p> <p>Caddick disappeared from Sydney’s eastern suburbs in November 2020, hours after her Dovers Heights mansion, which doubled as her place of business, was raided by the AFP and ASIC.</p> <p>The corporate watchdog had accused Caddick of operating a Ponzi scheme and misappropriating $24 million, including from her friends and family, to fund a lavish lifestyle including holidays, designer jewellery, clothing and shoes.</p> <p>The case has sparked a number of conspiracy theories and even inspired a television series.</p> <p>The inquest examined Caddick’s final hours, the actions of her husband Anthony Koletti, and the police investigation.</p> <p>The court heard that Caddick had taken her own life by jumping off the cliff at Rodney Reserve, approximately 500 metres from her home, on the morning of November 12, 2020.</p> <p>Caddick was heard walking out her front door at about 5:30am before disappearing and failing to turn up to a court appearance the following day.</p> <p>However, Koletti did not report his wife missing to the Rose Bay Police Station until 11:45am on November 13 - 30 hours since she was last seen.</p> <p>Amid his evidence, Koletti told the court he was under the mistaken belief he had to wait 24 hours to report someone missing.</p> <p>“Did you delay reporting her missing until that point in order to give her time to try to go somewhere?” Counsel assisting the coroner Jason Downing asked.</p> <p>“No,” Mr Koletti said.</p> <p>NSW Police Sergeant Trent Riley told the court during the inquest that he found it “extremely strange and unusual behaviour” that Koletti had initially told police he did not want them to come to his house or go to the station to make a statement.</p> <p>“I thought it was strange that a husband would ring the police station, report his wife missing from two days ago and wasn’t prepared to come to the police station and didn’t want police to go around and speak with him because he had too much work on that day,” Sergeant Riley told the court.</p> <p>Sergeant Riley also told the court that Koletti provided conflicting versions of when he had last seen his wife alive.</p> <p>He described Koletti as, “evasive, vague and inconsistent”.</p> <p>Colette has been consistently critical of the ASIC investigation.</p> <p>In an affidavit tendered to the court, he claimed he and Caddick were denied food, water and medical attention during the 12 hours when ASIC and AFP were present at their home.</p> <p>However, the court heard that during the raid, Caddick drank a protein shake, Koletti made her several coffees and they occasionally smoked cigarettes in their backyard.</p> <p>In a statement, he said, “I believe (Caddick) died as a direct result of ASIC’s negligence, cruelty and inhumanity.”</p> <p>Despite conceding Caddick was responsible for defrauding millions of investors and that they were allowed to be in their home on the day of the raid, he still maintained ASIC was responsible for her death.</p> <p>In February 2021, a foot washed up on Bourdna Beacon on the NSW south coast which was later identified as Caddick’s.</p> <p>The court had previously heard that Caddick’s shoe was covered in 250g of goose barnacles when it washed ashore.</p> <p>An expert's report stated the barnacle growth suggested the shoe would have been free floating on the surface of the water for three-seven days before washing up.</p> <p>The court heard that it’s possible the shoe drifted on the ocean floor for several months before floating to the surface and onto the beach.</p> <p>Oceanographer Dr David Griffin said that according to calculations using ocean currents, it’s plausible the show went into the water at Dover Heights and was found 400km south three months later.</p> <p>Pathologist Jennifer Pokorny told the inquest in a statement that it was not possible to determine the full extent of Caddick’’s injuries as there were no other remains aside from the decomposed foot.</p> <p>She added it was also not possible to determine a cause of death.</p> <p>Forensic psychiatrist Dr Kerri Eagle told the inquest that after reviewing Caddick’s medical record, along with witness statement, it appeared she had narcissistic personality disorder.</p> <p>She said that for people suffering from the disorder, their self-esteem and sense of well-worth latches onto external admiration and impressing others.</p> <p>Dr Eagle revealed to the court that as a result of being charged, Caddick would have also been in danger of losing her work and the “respect and admiration” of others.</p> <p>She told Ryan that when ASIC raided her home, it was possible it had a “very huge” impact on her self-esteem.</p> <p>“Ms Caddick appeared to experience problems with low mood, depression and anxiety and problems coping with extraordinary stress … the low mood symptoms persisted as long as the stress persisted,” Eagle said.</p> <p>She also noted that people with similar disorders have been known to take their own lives after a “major insult to their self-esteem”.</p> <p><em>Image credit: Instagram</em></p>

Legal

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"Get a job": Ben Fordham slammed over interview with welfare recipient

<p>Ben Fordham has come under fire for a patronising interview with a welfare recipient, in which he tried to get the man, who is unable to work, a job live on air. </p> <p>On Wednesday morning, the 2GB radio host spoke with Jez Heywood, who is president of the Australian Unemployed Workers’ Union, and has been out of work since 2017 due to several health conditions. </p> <p>Mr Heywood had recently spoken to <em>The Australian</em>, sharing his frustration about the $20-a-week increase to Jobseeker, saying he was “angry” and “annoyed” at the federal government, describing the $2.85-a-day increase as “absolutely nothing”.</p> <p>Mr Heywood's commentary on the Jobseeker budget increase caught the attention of 2GB, who invited him to speak to Fordham, saying he “wanted to see whether we can find Jez a job”.</p> <p>Fordham asked Heywood if he was looking for work, to which Heywood shared that he is looking for work, but it is hard to find a job that would be suitable given his physical and mental health barriers. </p> <p>In response, Fordham told Heywood that "there are 54,000 jobs available right now in Melbourne".</p> <p>"That’s on the Workforce Australia website. So none of those 54,000 jobs are suitable to you or you’ve applied for them and they’re just not giving you the nod?"</p> <p>Heywood said he is applying for jobs that are "suitable" for his conditions, and is hearing nothing back from prospective employers. </p> <p>Fordham said a job would seemingly fix everything for Heywood, saying, "I reckon we can help your mental health if we get you into a job."</p> <p>Heywood seemingly appreciated the help, but also said it is important for him to consider what he is able to achieve in a job given his limitations. </p> <p>The tense exchange between Fordham and Heywood continued, as Heywood voiced his concerns and limitations with working, as Fordham seemed to dismiss his worries and said everything would be fine if he simply returned to work as a graphic designer. </p> <p>After the call, Heywood took aim at Fordham on social media, slamming the host as a “coward and a bully who’s been taking potshots at welfare recipients from the safety of his cosy radio studio for years”.</p> <blockquote class="twitter-tweet"> <p dir="ltr" lang="en">You're a dog Ben Fordham</p> <p>— Vulgar Boatman (@satisjacktion) <a href="https://twitter.com/satisjacktion/status/1658691768706269184?ref_src=twsrc%5Etfw">May 17, 2023</a></p></blockquote> <blockquote class="twitter-tweet"> <p dir="ltr" lang="en">I’ve never met a dole bludger. </p> <p>I *have* met plenty of people with unresolved trauma and mental and physical illnesses (often not-yet-diagnosed), who probably LOOK like bludgers, through a telephoto lens. </p> <p>People who are doing okay WANT to be busy and to work.</p> <p>— Catherine Caine (@CatherineCaine) <a href="https://twitter.com/CatherineCaine/status/1658665436916101120?ref_src=twsrc%5Etfw">May 17, 2023</a></p></blockquote> <p>He stood by his opinion that the Jobseeker payment should be at least $88 a day to keep recipients above the poverty line, and condemned Fordham for “calling me a dole bludger on national radio”.</p> <p>Fordham doubled down on his condescending treatment of Mr Heywood, saying, "I just want to find you a job, Jez."</p> <p><em>Image credits: Getty Images / Twitter</em></p>

Money & Banking

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“Extremely difficult”: Woman forced to live in car for over two years

<p> A Queensland woman has revealed the “extremely lonely” reality of living in her car.</p> <p>Wendy lived in shared accommodation for seven years, with a weekly room rent upwards of $200 a week.</p> <p>With the rent increases showing no signs of slowing down, the 52-year-old found herself living in her car for the past two and a half years.</p> <p>She has shared some tips for those in the same boat.</p> <p>“Downsize to the bare necessities you need, with just those few little luxuries like a good coffee and the barbecues,” Wendy said.</p> <p>She allows herself some luxuries, such as a gym membership, so she can have a shower, coffee and the occasional hot dinner.</p> <p>If she can’t keep up with her gym payments, Wendy exercises until she’s warm and hops into one of the cold public showers.</p> <p>She worked in construction cleaning, but the early start and late finishes became too difficult.</p> <p>“Transforming my car into a cleaning business was, as you can imagine, a bit unhygienic,” she said.</p> <p>She relies on welfare to get by, which is “extremely hard”.</p> <p>Wendy has a storage shed to help her keep some of her belongings, but the cost of that will see an increase from $45 to $60 a week,</p> <p>“I’m now going to even be pushed out of the storage,” she said.</p> <p>Wendy can access fresh food just once a fortnight when she visits Encircle Redcliffe Neighbourhood Centre, Queensland, otherwise, she’s stuck with a 3-day time frame of storing food in her car.</p> <p>Now with winter just around the corner, she parks her car in underground car parks to shelter from the elements.</p> <p>“As soon as they see you on camera, they’re concerned about me being there,” she said.</p> <p>“So I will be kicked out of there soon too.”</p> <p>It feels as though those in power have “turned a blind eye” to the reality of the housing crisis, Wendy said.</p> <p>“There’s no help out there for us, I’ve applied for housing and been denied.”</p> <p>The extra $40 announced in the federal budget for people on welfare was “definitely not enough”, Wendy said.</p> <p>Even going to the doctor has become “extremely hard”, Wendy said, as many have stopped bulk billing, which has forced her to travel further to find those who do so.</p> <p>She’s now facing car troubles, which only furthers her challenging situation.</p> <p>“I’m only using my car if it’s really necessary,” she said.</p> <p>Aside from discomfort, Wendy confessed living out of her car was “extremely lonely”.</p> <p>“It’s intimidating when people are walking past and staring at you — you feel like an extreme oddball in this world.”</p> <p><em>Image credit: 7NEWS</em></p>

Real Estate

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Federal Budget 2023: How to make the most of the key promises

<p dir="ltr">Treasurer Jim Charles has handed down his first budget for 2023/24, offering a series of measures aimed at tackling the cost-of-living crisis.</p> <p dir="ltr">Millions of Australians will receive a boost from the federal government medical care, bills and welfare payments, amid the forecast that the budget will be be in the black with a surplus of $4bn.</p> <p dir="ltr">Here’s what it means for you:</p> <p dir="ltr"><strong>Bill help</strong></p> <p dir="ltr">Those who are on the pension, a seniors card holder or a recipient of family tax benefits A and B will be eligible to get help with energy bills thanks to a deal between the states and Commonwealth that’s worth $1.5bn.</p> <p dir="ltr">That means over five million eligible households and one million eligible small businesses will benefit from the scheme.</p> <p dir="ltr">The relief will come in the form of credits that apply directly to their power bills rather than cash, and the amount they receive will depend on the state they live in.</p> <p dir="ltr"><strong>Medicare Relief</strong></p> <p dir="ltr">The incentives paid to GPs who bulk bill 11.6m eligible Australians including children under 16, pensioners and other concession card holders will increase.</p> <p dir="ltr">GPs will be able to claim the incentives for in-person consultations over six minutes long and certain telehealth consultations.</p> <p dir="ltr">GPs who bulk bill patients in the city will be paid a new incentive of $20.65 compared to the previous rate of $6.60, while regional GPs will receive a $31.40 incentive, up from $10.05.</p> <p dir="ltr"><strong>Welfare recipients</strong></p> <p dir="ltr">Over 1.1 million vulnerable Australians will benefit from a $40 fortnightly boost from September, if parliament agrees.</p> <p dir="ltr">The increased base rate will apply to people receiving JobSeeker, Youth Allowance, Parenting Payment (partnered), ABSTUDY, Disability Support Pension (Youth) and Special Benefit.</p> <p dir="ltr"><strong>Rental assistance</strong></p> <p dir="ltr">For many renters, this budget means that rent is forecasted to increase over the next year as the market tightens.</p> <p dir="ltr">However, for those currently receiving the maximum Commonwealth Rent Assistance allowance their payments will increase by 15 per cent.</p> <p dir="ltr">Here’s what the Federal Budget will look like at a glance:</p> <ul> <li dir="ltr"> <p dir="ltr">Budget deficit of $13.9 billion in 2023/24</p> </li> <li dir="ltr"> <p dir="ltr">Commonwealth net debt to rise to $574.9 billion (22.3 per cent of GDP) in 2023/24</p> </li> <li dir="ltr"> <p dir="ltr">Economic growth to fall to 1.5 per cent in 2023/24</p> </li> <li dir="ltr"> <p dir="ltr">Unemployment rate to rise to 4.25 per cent in 2023/24</p> </li> <li dir="ltr"> <p dir="ltr">Inflation as measured by CPI to be 3.25 per cent in 2023/24</p> </li> <li dir="ltr"> <p dir="ltr">Wages to rise by four per cent in 2023/24</p> </li> </ul> <p dir="ltr"> </p> <p dir="ltr">And here are the key measures the federal budget has promised:</p> <ul> <li dir="ltr"> <p dir="ltr">Energy bill relief for five million households and one million businesses</p> </li> <li dir="ltr"> <p dir="ltr">Triple bulk-billing incentives and more funding for urgent care clinics</p> </li> <li dir="ltr"> <p dir="ltr">Base rate of JobSeeker and other payments to be raised for 1.1 million households</p> </li> <li dir="ltr"> <p dir="ltr">Commonwealth Rent Assistant rise for 1.1 million households</p> </li> <li dir="ltr"> <p dir="ltr">Housing boost including tax breaks for build-to-rent investors</p> </li> <li dir="ltr"> <p dir="ltr">$4 billion extra for renewable energy</p> </li> <li dir="ltr"> <p dir="ltr">Tax breaks for small business to write-off assets and reduce energy costs</p> </li> <li dir="ltr"> <p dir="ltr">Targeted help for jobless aged over 55</p> </li> <li dir="ltr"> <p dir="ltr">Cut to cost of medicines</p> </li> </ul> <p><em>Image: Getty Images/ Martin Ollman / Stringer</em></p>

Money & Banking

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Over-55s the only group to receive Centrelink payment boost

<p>Older recipients of JobSeeker will receive a higher welfare payment as the federal budget is set to include an increase in payments for 227,000 Aussies.</p> <p>According to <em>7News</em>, the budget will include an increase in the base rate of the JobSeeker for people aged 55 and above.</p> <p>The change honours Treasurer Jim Chalmers’ promise that an increase “will be focused on the most vulnerable”.</p> <p>Finance Minister Katy Gallagher previously committed to a “significant improvement” in terms of the budget.</p> <p>When asked if the rate of JobSeeker would be lifted, Gallagher revealed the budget would contain “ongoing” investments to help people with cost-of-living pressures, in addition to one-off measures.</p> <p>“This budget will have a significant cost-of-living package and that cost-of-living package will be targeted to the most vulnerable Australians,” she said.</p> <p>About 227,000 Jobseeker recipients are 55 and over, which is the highest number of any age group and the group most likely to be unemployed long-term, meaning they are without a job for five years or more.</p> <p>The majority of people in this group are women.</p> <p>Senior sources reportedly told <em>7News</em> that the increase will be modest, not the $100-a-week advocates are hoping for but what the budget can afford.</p> <p>The change is unlikely to please Raise the Rate campaigners, who have called for the government to bring payments above the poverty line.</p> <p><em>7News </em>reported that the government will sell the moderate increase as a “responsible first step”, an increase that will help the most vulnerable of JobSeeker recipients and honours its election commitment to do what it can to help within the restraints of the budget.</p> <p>The pressure continues to pile up for the government to substantially increase income support payments above $49.50 a day for singles on JobSeeker and $40.20 a day for Youth Allowance.</p> <p>An open letter to the Prime Minister, which has been signed by more than 300 politicians, community advocates and prolific Aussies, called for an increase to be included in the budget to support those most in need.</p> <p>“Right now, the rate of JobSeeker is so low that people are being forced to choose between paying their rent or buying enough food and medicine,” the letter, coordinated by the Australian Council of Social Service, read.</p> <p>In 2022, the council’s research found six in 10 people on income support were eating less or reporting difficulty getting medicine or care due to their inadequate income. This increased to seven in 10 in March 2023.</p> <p>The budget plans to extend single-parenting payments and increase rental assistance - particularly for women.</p> <p>Around $120 billion in Morrison Government road and rail projects will be reviewed and money reprioritised, with hundreds of smaller projects likely to be stopped.</p> <p><em>Image credit: Getty</em></p>

Money & Banking

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Australians lost more than $3bn to scammers in 2022. Here are 5 emerging scams to look out for

<p>The Australian Competition and Consumer Commission’s latest <a href="https://www.accc.gov.au/system/files/Targeting%20scams%202022.pdf">Targeting Scams report</a> indicates Australians reported more than A$3 billion lost to fraud in 2022. This is about a $1 billion increase on <a href="https://theconversation.com/australians-lost-2b-to-fraud-in-2021-this-figure-should-sound-alarm-bells-for-the-future-186459">reported losses from 2021</a>.</p> <p>Year upon year, we’re witnessing a rise in monetary losses to fraud. Behind these figures sit millions of Australians who experience a range of financial and non-financial <a href="https://www.aic.gov.au/sites/default/files/2020-05/29-1314-FinalReport.pdf">harms</a>.</p> <p>Here’s what we’ve learned from the latest report – and some advice on what to look out for in the year ahead.</p> <h2>2022 at a glance</h2> <p>Of the reported $3 billion lost, about half was stolen as part of investment schemes – more than double the $701 million figure from 2021. A desire to invest in cryptocurrency has driven up these losses, with potential investors inadvertently transferring money to offenders advertising a range of falsehoods.</p> <p>Remote access schemes – in which a scammer convinces the victim to grant them access to their computer – jumped into second place, with $229 million in reported losses. This was followed by payment redirection scams (also known as business email compromise fraud).</p> <p>Those who reported directly to Scamwatch lost an average of $19,654 – an increase of 54% from the $12,742 reported in 2021.</p> <p>The report also shows not all victims are targeted equally; people aged 65 years and older reported the highest losses across all demographics. Indigenous Australians, people with a disability, and those from culturally and linguistically diverse backgrounds were also overrepresented.</p> <p>For the first time in many years, text message was the most popular method for offenders to target victims. And while bank transfers were the most popular way to send funds to offenders, <a href="https://theconversation.com/crypto-theft-is-on-the-rise-heres-how-the-crimes-are-committed-and-how-you-can-protect-yourself-176027">cryptocurrency transfers</a> continue to increase in popularity – rising 162.4% in one year.</p> <p>There was, however, a reduction in fraudulent phone calls. This is likely attributable to the introduction of <a href="https://www.commsalliance.com.au/__data/assets/pdf_file/0015/72150/C661_2022.pdf">regulatory action</a> to block known scam calls. It’s a bright spot in an otherwise dark report.</p> <h2>Trends to look out for</h2> <p>The Targeting Scams report demonstrates the many ways offenders seek to defraud victims. On one hand, people are becoming more aware of common scam tactics. On the other, criminals are adjusting their methods to gain the upper hand.</p> <p>Here are five types of relatively lesser-known frauds everyone should be aware of.</p> <p><strong>1. Romance baiting</strong></p> <p>Also known as “<a href="https://news.sophos.com/en-us/2021/05/12/fake-android-and-ios-apps-disguise-as-trading-and-cryptocurrency-apps/">cryptorom</a>” or “<a href="https://krebsonsecurity.com/2022/07/massive-losses-define-epidemic-of-pig-butchering/">pig butchering</a>”, this scam is a convergence of investment fraud and traditional romance fraud approaches.</p> <p>The offender first initiates a relationship with the victim – through dating apps, websites or social media platforms. Once they’ve established trust, they encourage the victim to put their money into an “investment” opportunity, often cryptocurrency. The victim will then unknowingly transfer their money to the offender, who is under a different guise.</p> <p>This kind of romance baiting raises fewer red flags than directly asking for money, and is targeting a younger demographic compared to more traditional romance fraud.</p> <p>Such deceptions are coded under investment schemes. This is likely driving the surge in investment scheme losses reported in recent years, while also accounting for a lack of substantial increases in romance fraud.</p> <p><strong>2. Online shopping fraud</strong></p> <p>Offenders are skilled at creating fake websites and product advertisements that look genuine.</p> <p>Often these fake sites will have only subtle differences from their real counterparts. Consumers may not be able to tell the difference. Criminals can directly access funds through victims’ credit card details obtained on these sites.</p> <p>Online shopping fraud targets a range of demographics. It’s happening on stand-alone websites, social media platforms and online marketplaces.</p> <p><strong>3. Jobs and employment fraud</strong></p> <p><a href="https://research.qut.edu.au/centre-for-justice/wp-content/uploads/sites/304/2022/02/Briefing-Paper-Series-Feb2022-Issue21-17022022.pdf">Research</a> has indicated that working from home and flexible working conditions are strong indicators of a fraudulent job listing.</p> <p>But in a post-COVID world, flexibility at work is often a key criterion for job seekers, if not a deal-breaker. Offenders have noticed this, and are responding by posting attractive job advertisements that offer flexibility and high incomes.</p> <p>Victims submit their CVs and personal credentials (setting themselves up for identity crime), or may be required to pay upfront for training or materials costs for a job that doesn’t exist.</p> <p>Employment scams are targeting younger people in particular, as they’re more likely to have <a href="https://australiainstitute.org.au/report/youth-unemployment-and-the-pandemic/">experienced job loss and insecurity</a> in the wake of the pandemic.</p> <p><strong>4. Recovery schemes</strong></p> <p>Many fraud victims will want to take whatever action possible to recover lost funds.</p> <p>To exploit this, offenders will trade the details of victims with each other. They will then pose as authorities (often law enforcement, banks or private agencies) who are aware of the victim’s circumstances and promote their ability to regain the missing funds for a fee.</p> <p>In this way, victims who are desperate to recover losses are manipulated into paying even more money to offenders.</p> <p><strong>5. Remote access schemes</strong></p> <p>Receiving a phone call from a computer technician advising of a problem with your computer and offering to fix it is a common experience for many. While this approach isn’t new, it made a strong resurgence in 2022 – particularly targeting older people.</p> <p>These scam calls often come through landlines and prey on people’s fear for the security of their bank details and other personal data. The fraudsters often invoke a sense of urgency about needing to rectify the “problem”, and victims are persuaded to give the offender remote access to their computer.</p> <p>The criminal can then access a wealth of personal information. They can gain direct entry to bank accounts to transfer funds, and can access identity credentials and other sensitive details to commit identity crime in the future.</p> <h2>Change is needed to protect the public</h2> <p>The threat of fraud will only increase alongside technological evolution. Experts are concerned about artificial intelligence tools such as <a href="https://www.theguardian.com/technology/2023/mar/08/darktrace-warns-of-rise-in-ai-enhanced-scams-since-chatgpt-release">ChatGPT</a> and image and video generators giving cybercriminals yet another tool to add to their arsenal.</p> <p>The latest Scamwatch report is further evidence banks and financial institutions need to implement measures to help reduce fraud losses; among these, the checking of account names against BSB numbers for all transactions. The UK has a <a href="https://www.ukfinance.org.uk/policy-and-guidance/guidance/confirmation-payee">confirmation-of-payee</a> policy that does this.</p> <p>The government is attempting to address the continued surge in fraud losses through the revision of its <a href="https://www.homeaffairs.gov.au/about-us/our-portfolios/cyber-security/strategy/2023-2030-australian-cyber-security-strategy">cybersecurity strategy</a> and the potential establishment of a <a href="https://consultation.accc.gov.au/accc/national-anti-scams-centre-survey/">National Anti-Scams Centre</a>.</p> <p>These are both positive steps but it’s clear there’s a need for more work to be done.</p> <p><em>Image: Getty</em></p> <p><em>This article originally appeared on <a href="https://theconversation.com/australians-lost-more-than-3bn-to-scammers-in-2022-here-are-5-emerging-scams-to-look-out-for-204018" target="_blank" rel="noopener">The Conversation</a>. </em></p>

Money & Banking

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Jackie O sends welfare check for concerning caller

<p>Radio giant Jackie ‘O’ Henderson has requested a welfare check for a listener after receiving a distressing phone call on The Kyle and Jackie O show.</p> <p>The caller, Michael, who made it on air at about 6:30 am during the First Calls segment on the show, proceeded to sing a song about suicide, blindsiding the presenters.</p> <p>The song was Fade to Black by U.S heavy metal band Metallica, from their 1984 album <em>Ride the Lightning</em>. The bleak track is about wondering if life is worth living and wishing for death.</p> <p>Michael did not advise the hosts that he would be singing the song, and had told producer ‘Intern Pete’ Deppeler off air that he was a ‘comedian’ and ‘had a few jokes to tell’.</p> <p>Henderson seemed concerned and asked the team to make sure the listener was okay.</p> <p>The dismal segment started soon after an ad break, with host Kyle Sandilands asking, “You want to ring up for anything? First Calls, 13 10 65 will get you through. Michael has called in. Hey, Michael.”</p> <p>“Hello,” Michael responded, sounding dismal, which the hosts recognised was off as Sandilands was quick to mimic ‘hello’ back.</p> <p>Sandilands asked how the listener was doing, to which Michael replied, “Oh, not bad. I [inaudible] have a quick ten-second song I'd like to... sing for you.”</p> <p>'What, sorry? A song?' Henderson asked.</p> <p>“It goes like this,” Michael said, before singing the lyrics to Fade to Black, “.. lost the will to live / Simply nothing more to give / There is nothing more for me / Need the end to set me free.”</p> <p>Michael put his own spin on the song, singing lyrics that don’t appear on the track, “Never cared for no one else” before quickly hanging up.</p> <p>“Don't be like that…”, a baffled Sandilands said after Michael abruptly ended the call.</p> <p>Henderson feared the worst, immediately asking producers, “Is he alright? That didn't sound good, guys. What were you getting off air? Because that sounded like a goodbye song to me.”</p> <p>Sandilands tried to reassure Henderson, saying “He seems fine. He seems fine.”</p> <p>Deppeler, who had spoken to Michael during the ad break and briefed him on what would be discussed on air said, “He was normal to me,”</p> <p>When Henderson asked what they’d spoken about during the ad break, Deppeler told the presenter, "He said, 'I'm a comedian, I've got a few jokes to tell, I've got a new song.'”</p> <p>“So he went rogue on you?' Henderson asked, with Deppeler replying, “A little bit rogue, yeah”.</p> <p>Henderson asked Deppeler to “call him back and check he's okay,” adding, "He just hung up and said this is the end for me. Just check he's alright, that guy.”</p> <p>She awkwardly laughed as she and Sandilands scolded Deppeler for having such a grim listener as the first caller following a two-week break.</p> <p>The presenters then moved on to the second caller, A woman called Debbie.</p> <p><em><strong>Help is available, speak with someone today.</strong></em></p> <p><em><strong>Crisis support is available from <a href="https://www.lifeline.org.au/" target="_blank" rel="noopener">Lifeline</a> on 13 11 14.</strong></em></p> <p><em><strong>Support is available from <a href="https://www.beyondblue.org.au/" target="_blank" rel="noopener">Beyond Blue</a> on 1300 22 4636.</strong></em></p> <p><em>Image credit: Instagram</em></p>

Caring

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A horse died on the set of The Rings of Power: more needs to be done to ensure the welfare of horses used in entertainment

<p>The recent <a href="https://variety.com/2023/tv/news/rings-of-power-horse-death-lord-of-the-rings-peta-1235564884/">death of a horse</a> on the set of Amazon’s <a href="https://www.imdb.com/title/tt7631058/">The Lord of the Rings: The Rings of Power</a> is the latest incident raising questions about how humans use horses for entertainment and sport.</p> <p>While a statement from producers said the horses’s cardiac arrest occurred before the day’s filming began, animal rights activists PETA used the death to call on all screen producers to replace on-set horses with CGI and mechanical rig alternatives.</p> <p>The incident feeds into growing public concern about horse welfare on film and TV sets, at the track and in equestrian sports.</p> <p>But improving horse welfare is about more than just reputation repair – too often it’s about survival for horses and humans.</p> <h2>Horse welfare in film and TV</h2> <p>The riding of a horse over a cliff to its death for the movie Jesse James (1939) led to the establishment of <a href="https://humanehollywood.org/about-us/">American Humane</a>, which now oversees around 100,000 animals on more than 1,000 productions each year.</p> <p>While things have improved since the early days of film and television, deaths and mistreatment of horses still occur.</p> <p>In 1987, on the set of <a href="https://trove.nla.gov.au/newspaper/article/118307194">The Man From Snowy River II</a>, a seriously injured horse was killed using the blunt end of an axe.</p> <p>More recently, the high-profile series <a href="https://www.foxnews.com/entertainment/the-real-story-behind-hbos-cancellation-of-luck">Luck</a>, starring Dustin Hoffman, was cancelled following the deaths of three horses.</p> <h2>The good and bad of unprecedented global exposure</h2> <p>In 2021, the Tokyo Olympics beamed to a global audience the excessive <a href="https://7news.com.au/sport/olympics/peta-calls-for-abusive-equestrian-events-to-be-axed-from-olympics-c-3703388">whipping and punching</a> of modern pentathlon horse Saint Boy and show jumper Kilkenny’s <a href="https://www.chronofhorse.com/article/kilkenny-suffers-nosebleed-during-olympic-individual-final">spectacular nosebleed</a> during the controversial show jumping program.</p> <p>While the bleed must have been obvious, officials did not intervene to stop the ride.</p> <p>Confronting images, and the perceived failure of organisers to protect the horses involved, brought into clear and global focus the indisputable welfare issues faced by horses competing at the elite level.</p> <p>The global outcry led to <a href="https://www.dailymail.co.uk/tvshowbiz/article-9892093/Name-price-Kaley-Cuoco-offers-buy-horse-cruelly-punched-Olympics.html">actress Kaley Cuoco offering to buy Saint Boy</a> and the <a href="https://www.theguardian.com/sport/2021/nov/02/modern-pentathlon-votes-to-ditch-horse-riding-after-tokyo-olympic-turmoil">withdrawal of the equestrian phase from modern pentathlon</a>.</p> <h2>Risk to humans and horses</h2> <p>Horse welfare does not just impact animals.</p> <p>Since the 1840s, 873 jockeys are known to have <a href="https://www.thoroughbredracing.com/articles/2062/facts-and-figures-jockey-fatalities-australia/">died in race falls</a> in Australia.</p> <p>Internationally, the sport of eventing (where competitors complete three phases: dressage, show jumping and cross-country) reported 38 rider and 65 horse fatalities during or after competition between 2007-15.</p> <p>Riding horses is considered one of the most <a href="https://beva.onlinelibrary.wiley.com/doi/abs/10.1111/evj.13934">dangerous of all sporting pursuits</a>, and the deaths of riders and jockeys, usually from falls, are common.</p> <p>Public concern about risk to horses and humans through horse racing and equestrian sports, as well as screen production, also <a href="https://www.mdpi.com/2076-2615/12/15/1987">threaten these industries’ social licence</a>.</p> <h2>Better horse welfare is related to better rider safety</h2> <p>Our research offers hope for the horse industry and for those passionate about riding horses.</p> <p>Last year, we <a href="https://www.sciencedirect.com/science/article/abs/pii/S0168159121003269">published a paper</a> demonstrating the link between horse welfare and rider safety. We asked riders how they cared for their horses and how their horses behaved when ridden – for example, we wanted to know how often horses were bucking or rearing.</p> <p>From this information, we calculated a relative welfare score for each horse. We also asked riders about their accidents and injuries.</p> <p>After analysing the data from over 400 riders, we found the higher the horse welfare score, the fewer accidents and injuries a rider reported.</p> <p>In a <a href="https://www.tandfonline.com/doi/full/10.1080/08927936.2023.2176589">subsequent study</a>, we found horses with better welfare scores are more enjoyable to ride, most likely because they perform better and riders feel more in control, creating a win-win for horses and riders.</p> <h2>Good horse welfare means more than good health</h2> <p>Often good welfare is thought of in terms of an animal being healthy.</p> <p>While this is part of good welfare, good health alone is not enough – especially for a horse competing at the elite level or taking part in a film.</p> <p>Horses are <a href="https://www.sciencedirect.com/science/article/pii/S0168159117300710?casa_token=5E77h_TYKGEAAAAA:EUBGz7BTnACvpvB_3iYM-urXpBxJbS95G0-05yMRJEbMTg_SEeb_VnSoVgn35su8_aNOZEpSqctL">neophobes</a> – this means they find new things frightening – so most horses are likely to find a movie set or travelling to a new location stressful. The most up-to-date <a href="https://www.mdpi.com/2076-2615/10/10/1870/htm">understanding of welfare</a> tells us that stress and poor mental health means poor animal welfare.</p> <p>When a horse is stressed or in pain they <a href="https://www.sciencedirect.com/science/article/abs/pii/S0168159117300692">behave in a very predictable way</a> – they run away, panic, kick out or buck and rear.</p> <p>Yet, anecdotally and in the media, people seeing a horse behaving in this way often claim the horse is crazy, unpredictable or just plain mean.</p> <p>More likely, an “unpredictable” horse is suffering from poor welfare.</p> <p>As part of our research program, we have developed a <a href="https://hub.rspca.org.au/attachments/88">new framework</a> to help horse owners identify aspects of their care and training that diminish horse welfare.</p> <p>This information can be used to make modifications to improve horse welfare, and, importantly, can be applied to horses in any equine sector, including racing, sport and film and television.</p> <h2>Investing in the future of horses in entertainment and sport</h2> <p>Although a veterinarian assessed the recent horse death on the set of The Rings of Power as “unlikely to be associated with the horse’s participation in the film”, more can be done to protect horses and the industry.</p> <p>In Australia, <a href="https://www.mdpi.com/2076-2615/11/7/1986">no specific standard exists for the use of animals</a> in filmed media, and each state and territory has differing risk management guidelines.</p> <p>An opportunity now exists for the industry to set a new standard for horse care and training.</p> <p>An easily executable first step for the industry could be to insist a scientifically trained and credentialed equine behaviour expert be involved in the recruitment and supervision of horse actors and their trainers at all stages of production.</p> <p>This would ensure horse actors are appropriately trained to be on set and that horses are trained using the most up-to-date ethical methods.</p> <p>Horse behaviour experts could also help in scene design to minimise horses’ exposure to stressful situations and identify tasks that are incompatible with good horse welfare.</p> <p>If these suggestions were to be adopted, the film and television industry would be setting the benchmark for horse welfare – and pressure other horse industries to follow suit.</p> <p><em>This article originally appeared on <a href="https://theconversation.com/a-horse-died-on-the-set-of-the-rings-of-power-more-needs-to-be-done-to-ensure-the-welfare-of-horses-used-in-entertainment-202939" target="_blank" rel="noopener">The Conversation</a>.</em></p> <p><em>Images: The Rings of Power / Amazon</em></p>

TV

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"You have to beg for help": how our welfare system pressures people to perform vulnerability

<p>People who rely on welfare payments to survive are often required to repeatedly tell stories of their personal hardships.</p> <p>In a <a href="https://www.theguardian.com/australia-news/2022/jun/07/job-seekers-could-have-welfare-stopped-under-onerous-new-points-based-system-advocates-warn">conditional welfare system</a>, many must regularly attend compulsory appointments, job search training courses, and self-development and treatment programs simply to receive their payments.</p> <p>People in extreme hardship often tell their stories even more frequently as they seek extra relief from non-government charities and community providers.</p> <p>Those on income support payments below the relative poverty line feel the crunch of <a href="https://www.ncoss.org.au/wp-content/uploads/2022/07/NCOSS_CostOfLiving22_FINAL_DESIGNED.pdf">inflation and rising living costs</a> most severely. This means many will require extra support from welfare services to meet their basic needs.</p> <p>Integral to this system is the idea of “performing vulnerability”.</p> <p>“Performing vulnerability” – a term I borrow from UK-based researcher <a href="https://policy.bristoluniversitypress.co.uk/vulnerability-and-young-people">Kate Brown</a> to update Australian academic <a href="https://www.cambridge.org/core/books/lowest-rung/FA159318C2D046EDD3C9347C8B8E4F2E">Mark Peel’s</a> idea of “performing poverty” – is not just about repeatedly describing personal hardship. </p> <p>It points to the expectation to describe hardship in particular ways that are recognisable – and hence believable – to support providers.</p> <p>My book, <a href="https://policy.bristoluniversitypress.co.uk/making-a-life-on-mean-welfare">Making a Life on Mean Welfare: Voices from Multicultural Sydney </a>shows how the expectation to perform vulnerability to access support shapes experiences on both sides of the welfare frontline. </p> <p>It can compound the cycle of disadvantage associated with receiving welfare in the long term. It does so by <a href="https://journals.sagepub.com/doi/10.1177/0038026119876775">fostering mistrust</a> between welfare users and providers, as well as tainting how people in need of support see themselves and their situation.</p> <h2>‘Tell me your story’</h2> <p>For my doctoral research, I spent 18 months speaking to welfare users and workers in culturally and linguistically diverse southwest Sydney. I also observed different aspects of service delivery while volunteering at a community welfare organisation. I interviewed 25 welfare users and 11 community welfare practitioners.</p> <p>As a researcher of everyday experiences of welfare and poverty, I know all too well what it is like to ask people to tell their stories of hardship yet again.</p> <p>I also grew up in an impoverished family reliant on welfare to get by. I know firsthand what the impact of retelling stories of hardship can be, particularly when the audience is, as Peel <a href="https://www.cambridge.org/core/books/lowest-rung/FA159318C2D046EDD3C9347C8B8E4F2E">puts</a> it, “someone who has the power to give or deny them something they need”.</p> <p>One of the community welfare practitioners I interviewed summed it up by saying: "They’re coming again feeling ashamed. They’ve knocked on someone’s door, to tell yet again how shitty their situation is."</p> <p>Her response was to chat and put them at ease before saying, “Can you tell me your story?” She would follow up by saying, “You’ve given me some insight, let’s formalise your story a little bit.”</p> <p>Some welfare workers showed more scepticism, particularly when it came to giving out emergency relief. </p> <p>When someone refused to share more than the minimum information required to be eligible for extra assistance, one welfare worker commented: "That person doesn’t want to take responsibility."</p> <p>Another practitioner told me, “That woman dramatised her situation,” but quickly added, “That doesn’t mean she wasn’t genuine.”</p> <p>The willingness of people seeking assistance to disclose personal hardships and do so convincingly impacts on how deserving they may come across to those delivering support. The pressure to perform can overshadow encounters between welfare users and workers even when it doesn’t determine the outcome.</p> <h2>‘It’s your dignity’</h2> <p>Among the most marginal welfare recipients I spoke to, “performing vulnerability” was another toll of poverty.</p> <p>Those experiencing the worst hardship frequently told me about having to explain “the ins and outs” and feeling “embarrassed”, “intimidated” or “uncomfortable” when they had to present to welfare agencies.</p> <p>Two young people (whom I have given fictional names) powerfully conveyed the cost of telling all about their struggles:</p> <blockquote> <p>Kane: Often if you go to them sorts of people (welfare agencies) you’ve gotta put it all out there, that you’re homeless, that you got nothing, you got no friends, no family – and then they’re gonna go boom “alright” (you get the help you came for)…</p> <p>Nessa: Yeah, that’s what I had to do to get a house and it’s embarrassing (talking over each other) I think it’s embarrassing.</p> <p>Kane: You gotta go down to those levels you know – it’s wrong.</p> <p>Nessa: When you gotta expose everything and don’t want to, it’s, like, your dignity.</p> <p>Kane: Yeah, it’s everything.</p> </blockquote> <h2>Performing is not pretending</h2> <p>The most marginal welfare users get a great deal of practice performing their hardship. But knowing how to tell their story a certain way is not the same as pretending.</p> <p>Not only do people at the sharp end of the welfare system have to endure the hardships of poverty, but they must then recite it in a way that registers as genuine, pressing and beyond reprieve.</p> <p>As a woman living on the disability support pension put it:"You don’t have the flexibility that a rich person has to respond to crisis, so you have to beg for help. That takes time! And you know you’ll be judged like it’s your fault."</p> <p>A welfare system that demands disclosure of personal hardships – even when geared towards being <a href="https://onlinelibrary-wiley-com.ezproxy.uws.edu.au/doi/full/10.1111/1468-4446.12740">supportive</a> rather than suspicious – can undermine dignity and hold back those unwilling or unable to tell their story convincingly or in enough detail.</p> <p><em>Image credits: Getty Images </em></p> <p><em>This article originally appeared on <a href="https://theconversation.com/you-have-to-beg-for-help-how-our-welfare-system-pressures-people-to-perform-vulnerability-180975" target="_blank" rel="noopener">The Conversation</a>. </em></p>

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Record boost to Centrelink payments coming for nearly one million Aussies

<p dir="ltr">Hundreds of thousands of Australians receiving welfare are due to receive the biggest increase to their payments in two decades.</p> <p dir="ltr">The increase will see payments for young people, including parents, students and those on disability, increase from January 1, 2023.</p> <p dir="ltr">From next year, the base rate for singles on Youth Allowance will increase by at least $19.10 - with a maximum $32.40 extra a fortnight - taking the maximum rate up to $569.80.</p> <p dir="ltr">Single Australians with dependents can expect a boost of $41.40, bringing payments up to $729.60, while couples will receive an additional $35.20 a fortnight.</p> <p dir="ltr">For those under 21 without kids who receive Disability Support Pension, including Youth Disability Supplement, the payment increase is expected to range between $27.40 and $40.70 a fortnight.</p> <p dir="ltr">Recipients of Austudy, ABSTUDY, Mobility Allowance, Double Orphan Pension, Carer Allowance and Pharmaceutical Allowance will also be included in the increases, which are part of a routine indexation that happens every January to keep up with inflation.</p> <p dir="ltr">It comes after the Reserve Bank of Australia forecasted that inflation would peak at eight percent by the end of 2022.</p> <p dir="ltr">In comparison, payments for young people and students have been indexed at 6.1 percent. </p> <p dir="ltr">Social services minister Amanda Rishworth said the increase would help ease the pressure coming from the current cost-of-living crisis.</p> <p dir="ltr">“With the cost of living increasing, we need to ensure students and young people can cover basic costs while focusing on their studies and career aspirations,” she said.</p> <p dir="ltr">While young people are the subject of these payment increases, those who receive Jobseeker or the Aged Pension won’t be left out, with indexation increases announced for all welfare payments were announced by the federal government in September.</p> <p dir="ltr">These payments are also indexed at other times of the year, with the Aged Pension increasing in March and September.</p> <p><span id="docs-internal-guid-4ef18bd0-7fff-9f99-b17c-fdf2ca04bab3"></span></p> <p dir="ltr"><em>Image: Getty Images</em></p>

Money & Banking

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Man hides hefty lottery win from wife and child

<p dir="ltr">A Chinese man has kept his eye watering 219 million yuan (AUD$47,068,869) lottery win a secret from his wife and child so they don’t become lazy. </p> <p dir="ltr">Known only as Mr Li to conceal his identity, the man dressed up in a yellow cartoon costume when he accepted the huge win on October 24 at the lottery office in Nanning, in the southern region of Guangxi. </p> <p dir="ltr">“I did not tell my wife and child for fear that they would be too complacent and would not work or work hard in the future,” he told Nanning Evening News. </p> <p dir="ltr">Mr Li confessed that he bought 40 lottery tickets all of which had the same seven numbers, with the lottery company paying out 5.48 million yuan (AUD$1,177,811) for each ticket.</p> <p dir="ltr">Eventually he found out that he had the winning lottery numbers of 2, 15, 19, 26, 27, 29, and 2 and went to claim his prize.  </p> <p dir="ltr">After receiving the hefty sum, Mr Li donated 5 million yuan (AUD$1,074,597) to charity and is still unsure of what to do with his fortune.</p> <p dir="ltr">Mr Li has been playing the lottery for a decade and only won minor prizes until this time round.  </p> <p dir="ltr">“I regard buying the lottery as a hobby, and my family does not care. Plus, I do not spend much money on it, and the lottery provides a ray of hope for me,” he told the South China Morning Post. </p> <p dir="ltr"><em>Image: Guangxi Welfare Lottery Centre</em></p>

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