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How an AI grandma is combating phone scams

Fraudsters frequently target the elderly for scams, so one company took matters into their own hands and created an AI grandmother who tricks phone scammers. At first glance Daisy looks like every other grandmother, with hobbies like knitting, a cat named Fluffy and loves talking about her family among other things. However, the AI chatbot is designed to trick phone scammers into thinking they are speaking to a real person. The AI, created by British mobile phone company O2, is designed to combat fraud, and while Daisy doesn't intercept any calls, she has a list of phone numbers used by UK scammers. Daisy's mission “is to talk with fraudsters and waste as much of their time as possible with human-like rambling chat to keep them away from real people,” the company said in a statement unveiling Daisy earlier this month. Her tactics have kept “numerous fraudsters on calls for 40 minutes at a time." Developed in partnership with London advertising agency VCCP, Daisy uses a custom language model to hold autonomous conversations with scam callers in real time. Her voice was modelled on a staff member's grandmother. “Whilst anyone can be a victim of a scam, criminal fraud gangs often target the elderly so we leaned into scammers’ own biases to create an AI granny based on a real relative of a VCCP employee,” the agency said in a statement. “Over the course of many hours of scam calls she’s told meandering stories of her family, talked at length about her passion for knitting and provided false personal information including made-up bank details.” Last year, Virgin Media O2, blocked more than £250 million ($A487.5 million) in suspected fraudulent transactions, which is roughly equivalent to stopping one every two minutes. According to the telecommunications company, Daisy was developed in response to research revealing that the top reason why the British public wouldn’t bait scammers themselves is because they don't want to waste their own time. “With scammers operating full-time call centres specifically to target Brits, we’re urging everyone to remain vigilant,” commented Murray Mackenzie, Virgin Media O2’s director of fraud. Daisy, has "all the time in the world", and the video's unveiling her character, showed just how positive her work has been. “It’s nearly been an hour!” one exasperated scammer said over the phone. Another fraudster said: “I think your profession is bothering people.” The chatbot replied: “I’m just trying to have a little chat.” Image: O2

Legal

Prince Philip's final phone call to King Charles revealed

Prince Philip was known for his quick wit and sense of humour, and now his family have shared their favourite moments with him in the BBC documentary Prince Philip: The Family Remembers. In the documentary, King Charles revealed the cheeky remarks the Duke made in their final phone call just hours before his passing on April 9, 2021 at the age of 99. Charles recalled discussing the Duke's upcoming 100th birthday celebrations and having to raise his voice so his father could hear him better, saying: “We’re talking about your birthday! And whether there’s going to be a reception!” The Duke quipped: “Well, I’ve got to be alive for it, haven’t I?” King Charles fondly shared what he said to his father's cheeky remark, “I told him ‘I knew you’d say that!'”. In another part of the documentary, the monarch recalled the benefits of having young parents. “He was marvellous at arranging silly games. I mean, the fun of having obviously young parents was… there were lots of chasing around and mad things," he said. Prince William also shared some of his fond memories with his late grandfather, recalling the pranks they used to pull together, and one of them being squirting mustard all over the ceiling - much to the Queen’s annoyance. “He used to take the lid off [the tube] and put it in your hands … and then he’d squish your hands together to fire the mustard onto the ceiling," William said. “He used to get in a lot of trouble from my grandmother,” he added. William’s cousins, Princess Anne’s children Zara Tindall and Peter Phillips, also remembered the same prank. “He gets you to hold it in your hands and I can’t remember exactly what he says — but he ends up slamming your hands together… it goes all over the ceiling,” Zara said. Her brother Peter added: “I actually think the marks are still there.” Image: Canadian Press/ Shutterstock Editorial

Family & Pets

5 ways to reduce everyday bills

It’s not uncommon to get to the end of the month and be surprised by a figure in your bills. But this surprise needn’t be unpleasant. There is wide a range of simple measures you can employ to reduce your monthly bills without too much effort. Follow these five simple tips and save money. 1. Food and groceries Food can be a problem area in the average Australian’s budget, either because we’re physically eating too much, eating out too much or spending too much money on groceries. But that doesn’t mean you have to transition to a Spartan diet. Here’s how you can save on your grocery bill: <ul> <li>Reduce the amount of times you’re eating out or getting takeout a week</li> <li>Use a shopping list and coupons, pay for groceries (this means you’re less likely to splurge on items that you don’t need) and buy more non-perishable foods to store and save</li> <li>Consider starting a garden and grow your own fruit and veggies</li> </ul> 2. Energy Many people have found their energy bills have been increasingly steady over the past through years, but this doesn’t mean you have to be part of that trend. With a little bit of ingenuity and not a lot of fuss you can make your house energy efficient and enjoy huge power bill savings: <ul> <li>Switch to energy-efficient light bulbs. In many cases these bulbs do cost more than traditional bulbs, but they use much less energy and can last up to 10 times longer</li> <li>Unplug unused electrical devices that are draining electricity</li> <li>Make sure you home is airtight to prevent cold drafts in winter and the loss of cool air in summer. This will also reduce your heating/cooling bills accordingly</li> </ul> 3. Cars As fuel, registration and maintenance costs start to pile up, a car can seem less like a convenience and more like a money pit rolling around on four wheels. That being said, there is a range of ways you can enjoy the access vehicle ownerships provides, without having to pay through your nose: <ul> <li>Underinflated tyres reduces the value of your cars fuel economy significantly, so make sure you take a couple of minutes to check the air pressure and reinflate once a month</li> <li>Consider selling a vehicle if you’re not using it often. Without taking the cost of parking and toll roads into account driving vehicles costs thousands of dollars a year</li> <li>Use more public transport and consider setting up car pools with friends/colleagues</li> </ul> 4. Grooming and beauty Looking and feeling great is important, but it doesn’t necessarily have to be a hugely expensive ordeal. With a little bit of ingenuity, creativity and willingness to not spend $10,000 on that jewel encrusted headdress you can still be the belle/male-belle of the ball without breaking the bank: <ul> <li>Reduce the amount of money you spend on clothing by keeping your eye on sales</li> <li>Consider lower cost alternatives to your favourite beauty products</li> <li>Cut back on the amount of times you have your hair cut and styled</li> </ul> 5. Additional entertainment expenses Your deluxe gym membership might give you access to the power lifting body attack class, but are you really getting the full value for it and the other regular entertainment expenses you’ve signed up for? There are still ways to stay entertained without having to break the bank every week. <ul> <li>Consider cancelling club memberships for places you don’t visit often</li> <li>Investigate free events and inexpensive entertainment ideas like cheap movies Tuesdays</li> <li>Magazine and newspaper subscriptions can also become expensive if you’re not actually reading the papers, as well as pay television services that can be easily eliminated</li> </ul> Image credits: Shutterstock

Money & Banking

Do mobile phones cause brain cancer? Science makes definitive call

The question of whether mobile phones - specifically the electromagnetic radiation or radio waves emitted by these devices - cause cancer has been debated and researched for a long time, and now scientists have made a definitive call. A new comprehensive review commissioned by the World Health Organization has found that mobile phones are NOT linked to brain and head cancers. The systematic review, led by the Australian Radiation Protection and Nuclear Safety Agency (Arpansa), examined over 5,000 studies, which included 63 observational studies on humans published between 1994 and 2022 and is "the most comprehensive review to date" according to review lead author, associate prof Ken Karipidis. “We concluded the evidence does not show a link between mobile phones and brain cancer or other head and neck cancers," he said. The review, which was published on Wednesday, focused on cancers of the nervous system, salivary gland and brain tumours. They found no overall association between mobile phone use and cancer, even if people have used it for a long time (over 10 years) or spend a lot of time on their phones. “I’m quite confident with our conclusion. And what makes us quite confident is … even though mobile phone use has skyrocketed, brain tumour rates have remained stable,” Karipidis continued. Despite emitting electromagnetic radiation, also known as radio waves, the exposure is relatively low. Karipidis said people hear the word radiation and assume it is similar to nuclear radiation, “and because we use a mobile phone close to the head when we’re making calls, there is a lot of concern.” He clarified that “radiation is basically energy that travels from one point to another. There are many different types, for example, ultraviolet radiation from the sun." “We’re always exposed to low-level radio waves in the everyday environment.” While exposure from mobile phones is still low, it is much higher than exposure from any other wireless technology sources since they are used close to the head, Karipidis said. The association between mobile phones and cancers came about from early studies comparing differences between those with and without brain tumours and asking about their exposure history. According to Karipidis, who is also the vice-chair of the International Commission on Non-Ionizing Radiation Protection, the results from these kind of studies tend to be biased, as the group with the tumour tend to overreport their exposure. Based on these early studies WHO’s International Agency for Research on Cancer (IARC) designated radio-frequency fields like those from mobile phones as a possible cancer risk, but Karipidis said "this classification doesn’t mean all that much”. This is because the IARC has different classifications of cancer risk, with some substances classified as a “definite” carcinogen (such as smoking), and others as “probable” or “possible” carcinogens. Tim Driscoll, a professor at the University of Sydney and chair of the Australian Cancer Council’s occupational and environmental cancers committee, also backed the systematic review. “I think people should feel reassured by this study … but it’s worthwhile just remembering that the studies aren’t perfect, but the weight of evidence certainly is that mobile phones should be considered safe to use in terms of any concerns about increased risk of cancer,” Driscoll said. Images: Shutterstock

Body

"We should give back": Bill Gates' ex-wife on giving away her $16bn fortune

Melinda French Gates has opened up on her decision to give away her fortune after leaving the Bill & Melinda Gates Foundation in June. Melinda, who is reportedly worth $16.8 billion, said that she will stick with her decision to give away her fortune on The Late Show with Stephen Colbert, as it's "the right thing to do for society". "If we grew up in the United States, anybody who has grown up in this country has been really lucky and I don't care who you are," she explained. "To be able to go to a decent school, grow up and pursue your career, and if so you are a billionaire, my gosh, you have benefited from this country, right? "So we should give back." She also feels there is "a responsibility and to do it in a way that's incredibly thoughtful". Melinda, who divorced the Microsoft founder Bill Gates back in 2021, has announced her plans to focus on her organisation Pivotal Ventures, which she founded in 2015. The organisation's aim is to "advance social progress by removing barriers that hold people back." She said that she is determined to ensure that "women's rights are not only on the agenda, but that women are setting the agenda" – especially after watching women's rights be rolled back internationally over the last few years." "What I saw, part of why our women's rights got rolled back in the United States is that those organisations were starved for funding, and they were playing defense," she explained. Melinda has pledged to donate $1 billion to this end over the next two years. Image: Julien De Rosa/EPA/ Shutterstock Editorial

Money & Banking

Yes, blue light from your phone can harm your skin. A dermatologist explains

<a href="https://theconversation.com/profiles/michael-freeman-223922">Michael Freeman</a>, <a href="https://theconversation.com/institutions/bond-university-863">Bond University</a> Social media is full of claims that everyday habits can harm your skin. It’s also full of recommendations or advertisements for products that can protect you. Now social media has blue light from our devices in its sights. So can scrolling on our phones really damage your skin? And will applying creams or lotions help? Here’s what the evidence says and what we should really be focusing on. <h2>Remind me, what actually is blue light?</h2> Blue light is part of the visible light spectrum. Sunlight is the strongest source. But our electronic devices – such as our phones, laptops and TVs – also emit it, albeit at levels <a href="https://melasmaclinic.com.au/wp-content/uploads/2024/01/Melasma-LEDS.pdf">100-1,000 times</a> lower. Seeing as we spend so much time using these devices, there has been some concern about the impact of blue light on our health, including <a href="https://theconversation.com/do-blue-light-glasses-really-work-can-they-reduce-eye-strain-or-help-me-sleep-213145">on our eyes and sleep</a>. Now, we’re learning more about the impact of blue light on our skin. <h2>How does blue light affect the skin?</h2> The evidence for blue light’s impact on skin is still emerging. But there are some interesting findings. 1. Blue light can increase pigmentation <a href="https://academic.oup.com/ced/article-abstract/46/5/934/6598472?redirectedFrom=fulltext&login=false">Studies</a> <a href="https://onlinelibrary.wiley.com/doi/full/10.1111/srt.13401">suggest</a> exposure to blue light can stimulate production of melanin, the natural skin pigment that gives skin its colour. So too much blue light can potentially worsen hyperpigmentation – overproduction of melanin leading to dark spots on the skin – especially in people with darker skin. 2. Blue light can give you wrinkles Some research <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC6280109/">suggests</a> blue light might damage collagen, a protein essential for skin structure, potentially accelerating the formation of wrinkles. A laboratory <a href="https://pubmed.ncbi.nlm.nih.gov/29399830/">study suggests</a> this can happen if you hold your device one centimetre from your skin for as little as an hour. However, for most people, if you hold your device more than 10cm away from your skin, that would reduce your exposure <a href="https://en.wikipedia.org/wiki/Inverse-square_law">100-fold</a>. So this is much less likely to be significant. 3. Blue light can disrupt your sleep, affecting your skin If the skin around your eyes looks dull or puffy, it’s easy to blame this directly on blue light. But as we know blue light affects sleep, what you’re probably seeing are some of the visible signs of sleep deprivation. We know blue light is particularly good at <a href="https://journals.physiology.org/doi/full/10.1152/japplphysiol.01413.2009?rss=1">suppressing</a> production of melatonin. This natural hormone normally signals to our bodies when it’s time for sleep and helps regulate our sleep-wake cycle. By suppressing melatonin, blue light exposure before bed disrupts this natural process, making it harder to fall asleep and potentially reducing the <a href="https://www.tandfonline.com/doi/abs/10.1080/07420528.2023.2173606">quality of your sleep</a>. The stimulating nature of screen content further disrupts sleep. Social media feeds, news articles, video games, or even work emails can keep our brains active and alert, hindering the transition into a sleep state. Long-term sleep problems can also <a href="https://academic.oup.com/ced/article-abstract/40/1/17/6621145?login=false">worsen</a> existing skin conditions, such as acne, eczema and rosacea. Sleep deprivation can elevate cortisol levels, a stress hormone that breaks down collagen, the protein responsible for skin’s firmness. Lack of sleep can also weaken the skin’s natural barrier, making it more susceptible to environmental damage and dryness. <h2>Can skincare protect me?</h2> The beauty industry has capitalised on concerns about blue light and offers a range of protective products such as mists, serums and lip glosses. From a practical perspective, probably only those with the more troublesome hyperpigmentation known as <a href="https://dermnetnz.org/topics/melasma">melasma</a> need to be concerned about blue light from devices. This condition requires the skin to be well protected from all visible light at all times. The only products that are totally effective are those that block all light, namely mineral-based suncreens or some cosmetics. If you can’t see the skin through them they are going to be effective. But there is a lack of rigorous testing for non-opaque products outside laboratories. This makes it difficult to assess if they work and if it’s worth adding them to your skincare routine. <h2>What can I do to minimise blue light then?</h2> Here are some simple steps you can take to minimise your exposure to blue light, especially at night when it can disrupt your sleep: <ul> <li> use the “night mode” setting on your device or use a blue-light filter app to reduce your exposure to blue light in the evening </li> <li> minimise screen time before bed and create a relaxing bedtime routine to avoid the types of sleep disturbances that can affect the health of your skin </li> <li> hold your phone or device away from your skin to minimise exposure to blue light </li> <li> use sunscreen. Mineral and physical sunscreens containing titanium dioxide and iron oxides offer broad protection, including from blue light. </li> </ul> <h2>In a nutshell</h2> Blue light exposure has been linked with some skin concerns, particularly pigmentation for people with darker skin. However, research is ongoing. While skincare to protect against blue light shows promise, more testing is needed to determine if it works. For now, prioritise good sun protection with a broad-spectrum sunscreen, which not only protects against UV, but also light.<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/233335/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/michael-freeman-223922">Michael Freeman</a>, Associate Professor of Dermatology, <a href="https://theconversation.com/institutions/bond-university-863">Bond University</a> Image credits: Shutterstock 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/yes-blue-light-from-your-phone-can-harm-your-skin-a-dermatologist-explains-233335">original article</a>.

Body

Why you should be wary of charging your phone in an airport

While charging stations at airports can often be life-savings before boarding a flight, it turns out these handy outlets can be leaving you vulnerable. Many people have fought over a spot to charge up your devices at the last minute before embarking on a holiday, but next time you leave home with your phone or laptop needing some more juice, think again. Emily Stallings, co-founder of tech retailer <a href="https://www.getcasely.com/">Casely</a>, says that by plugging your phone into a power outlet at a public USB charging station, you're at risk of data breaches and malware infection. "If a device gets infected, it could end up leaking sensitive information or even stop working properly," she told <a href="https://travel.nine.com.au/latest/charging-phone-at-the-airport-danger-expert/57d141df-33ba-4a50-89e5-26f6f2a0c18d">9Travel</a>. These public USB ports have often been compromised by cybercriminals, who then use these unsecured ports to steal sensitive information transmitted between devices. "From personal emails to financial data, the information intercepted through these compromised ports could lead to identity theft, financial loss, and other serious consequences," explains Stallings. The best way to get around this threat, without letting your phone run out of battery, is to pack a portable charging device in your carry-on bag every time you travel. With your own cord and power bank, it's far less likely that any sneaky hackers will be able to access your device's data. Stallings says you can also enable security features such as USB Restricted Mode on your device, for those moments when you're desperate for a charger and have to rely on public ports. "This adds an extra layer of protection against potential data breaches and malware infections when charging from public USB ports." "By activating USB Restricted Mode or similar security features, you restrict data transfer over USB connections, effectively preventing unauthorised access to your device's data while charging in public spaces." Image credits: Shutterstock

Travel Tips

"There's no way": Man receives $52 billion tax bill

An American man has been left confused after receiving a letter from the government claiming he owed $52 billion in unpaid taxes. Barry Tangert got two letters in the mail from the state of Pennsylvania, opening the first to find a refund check from the federal government for over $900. His joy was short-lived though as he opened the second letter to find the income billing notice from the Pennsylvania Department of Revenue claiming that he owed a jaw-dropping $52,950,744,735.28 ($34,576,826,561.47 AUD). “I knew it was an obvious blunder. I don’t even make over $100,000 a year, so there’s no way I could owe anywhere near that,” Barry Tangert told local outlet News 8. The total sum was so large it didn’t even fit on a single line on the document. Tangert immediately knew it was a mistake, with the astonishing number being more than triple the $11 billion America’s richest man Elon Musk says he owed the government in 2022. How the error made it all the way to his doorstep is still a mystery to Tangert. “I don’t know if it was a computer glitch in the transmission or if it was an input error from my tax preparer,” Tangert said, noting that his tax preparer filed an amendment after noticing an error on his 2022 return. He reached out to the Pennsylvania Department of Revenue’s customer service line, which also provided little help to the baffled man. “The first thing he said was, ‘You had a good year.’ And I said, ‘I wish,’” Tangert said. Fortunately, the state department has since resolved the issue, which it chalked up to wrong numbers simply being put into the system. Image credits: WGAL News 8

Money & Banking

Tourist slapped with $225k bill after simple mistake

An American tourist has revealed the moment he was charged with a $US143k (AU$225k) bill after a short holiday to Switzerland. Rene Remund and his wife Linda went on the trip last September. Prior to their travels, Remund made sure to inform his mobile phone provider, T-Mobile, that he was going overseas and as a customer of 30 years, he was told he was “covered”. So, with no worries at all, the tourist shared photos of his moments in the Swiss countryside with friends and family via photo messages. Imagine his surprise when he came home to a six-figure bill, after he racked up thousands and thousands of dollars in daily roaming costs. “I get this T-Mobile bill and it doesn’t bother me very much because I was reading $143,” he explained, adding it wasn’t until he went to pay the bill that he realised a few more zeros were involved. “I look at the bill and I say, ‘excuse me’,” he said. “$143,000 … are you guys crazy?” According to the bill, Remund had racked up 9.5 gigabytes of data while in Europe, which cost him thousands of dollars each day. While it wasn't a huge amount of data, not being covered by roaming fees will cause a user to run up a huge bill very quickly. “I called [T-Mobile] and the girl put me on hold for a while,” he explained. “She said let me check this out and I’ll get back to you. She gets back and says, yeah this is a good bill. “I said, ‘what do you mean it’s a good bill?’ And she says ‘well, this is what you owe’. “I said ‘you’re kidding me … you’re crazy’.” After confirming that his bill was in fact AU$225,000, Remund hired a lawyer to argue the fact that he was covered for international roaming. His lawyer issued a letter to the president of T-Mobile, and they only received a reply a few days ago. The letter from T-Mobile allegedly said that the service provider was “sorry” for the charges, and that Remund would receive a “credit” to eliminate the entire bill. In an email shared to local media Scripps News Tampa, the mobile phone provider said that customers should always “check the travel features of their plan, such as international data roaming, before departing”. “If a customer is on an older plan that doesn’t include international roaming for data and calling, they’ll need to make sure they’re using aeroplane mode and wi-fi when using data to be certain the device doesn’t connect to an international network.” <em style="box-sizing: inherit; margin: 0px; padding: 0px; border: 0px; font-size: 16px; vertical-align: baseline; color: #323338; font-family: Figtree, Roboto, 'Noto Sans Hebrew', 'Noto Kufi Arabic', 'Noto Sans JP', sans-serif; background-color: #ffffff; outline: none !important;">Images: ABC Action News

Travel Trouble

8 places you should never keep your phone

In your pocket Keeping your phone in your pocket seems logical, but you could be doing more harm than good. According to Dr Lilly Friedman, this is actually the worst place to store your phone. “When phones are on, connected to a wireless network, and placed in a pocket, the radiation is two to seven times higher than if it were placed in a purse or holster,” she says. There is a correlation between radiation from a mobile phone and tumour growth, she adds. Plus, radiation can change the structure of DNA and affect male fertility, according to Dr Friedman. The World Health Organization’s International Agency for Research on Cancer also found that mobile phone radiation is additionally carcinogenic to humans. Merely sitting on your phone could cause health issues such as sciatica or back problems. In your bra Some research and case studies show that keeping your phone in your bra could be linked to breast cancer due to the radiations and vibrations from the phone. That said, there is not enough evidence to establish a definite relationship between the two. Still, keeping your phone in your bra, especially a sports bra, is a bad idea due to the skin-irritating bacteria it could harbour, Muscle & Fitness reports. In your bed or under your pillow Sleeping with your phone is a bad idea for a few reasons. First, keeping your phone under your pillow could build up heat and present a potential fire hazard, especially if your phone is charging or has a defect. It’s also known that the LED light from phone screens can disrupt melatonin production and circadian rhythms, hurting your sleep quality, according to the National Sleep Foundation. And, of course, there’s also radiation to consider. The amounts of radio frequency radiation mobile phones give off are the same ones emitted from microwaves. There is also concern about the safety of mobile phone use with respect to cancer and brain tumours, per the American Cancer Society. Plugged in Keeping your phone plugged in when it has a full battery causes damage to the battery itself, according to pcmag.com. It’s not that your phone ‘overloads’ with power, but heat build-ups from stacking things on top of your phone or keeping it under your pillow, making your phone hotter and damaging your battery. Close to your face Keeping your phone close to your face means bacteria transfers to and from your phone, making your skin and phone dirtier. This combination leads to more acne, skin irritation and even wrinkles, according to Allure. Try using ear pods instead to keep the surface of your phone at a distance from your face. In your glovebox Extreme temperatures are the worst conditions for your phone. So keeping your device in your car’s glovebox during the extremely hot or cold months of the year could lead to problems. According to Time, excess heat can cause everything from data loss or corruption to battery leakage. The cold weather presents just as many issues for your device. In cold temperatures, many smartphones shut off, have display problems, shortened battery life and in rare cases screen shattering. On your beach towel Notice a theme here? The extreme sun and heat at the beach is a recipe for phone disaster. Protect your device after you finish taking beautiful beach pictures. Hot and sunny conditions could, again, cause your phone to overheat – and getting sand in your phone won’t help either. Anywhere in the bathroom Although phones could arguably be the new newspaper, it’s not a good idea to take yours into the bathroom. Even if you keep your device on a counter or away from the toilet, anything within a metre of a flushing toilet could mean bacteria or viruses in the air end up on your phone, according to a study published in Applied and Environmental Microbiology. “The detection of bacteria and viruses falling out onto surfaces in bathrooms after flushing indicated that they remain airborne long enough to settle on surfaces throughout the bathroom,” wrote the study authors. Image credits: Getty Images This article originally appeared on <a href="https://www.readersdigest.co.nz/healthsmart/8-places-you-should-never-keep-your-phone" target="_blank" rel="noopener">Reader's Digest</a>.

Technology

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

<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> 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. 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. So is giving your card details over the phone any more risky than other transactions and how can you minimise the risks? <h2>How is my card data protected?</h2> 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. Compliance involves various security measures (such as encryption and access controls) together with strong governance and regular security assessments. 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. 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. 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>: <blockquote> A policy should be in place to ensure that payment card data is protected against unauthorised viewing, copying, or scanning, in particular on desks. </blockquote> 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. <h2>Basic tips for safe credit card use over the phone</h2> 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. 1. Verify the caller 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. Before you provide any information, confirm the caller is legitimate and the purpose of the call is genuine. 2. Be sceptical 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. 3. Use secure payment methods If you’ve previously paid the company with other (more secure) methods, ask to use that same method. 4. Keep records 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. Check the transaction against your card matches the receipt – use your banking app, don’t wait for the statement to come through. <h2>Virtual credit cards</h2> 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. 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. 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. <h2>What to do if you think your card details have been compromised or stolen?</h2> It’s important not to panic, but quick action is essential: <ul> <li> 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 </li> <li> report the issue to the police or other relevant body </li> <li> monitor your account(s) for any unusual transactions </li> <li> 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 </li> <li> 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. </li> </ul> <h2>So, should I give my card details over the phone?</h2> 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. The best solution currently available is to use virtual cards – if anything goes wrong you can cancel just that unique card identity, rather than your entire card.<img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/216833/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <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> Image credits: Getty Images This article is republished from <a style="font-style: italic;" href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <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>.

Money & Banking

Why you need to stop charging your phone overnight

You charge your phone all night Waking up to a fully charged phone may seem like a great way to start the day, but leaving your device plugged in overnight is a bad idea. When a phone has reached 100 per cent charge, it will continue to get trickle charges to keep it topped up at 100 percent. These extra charges keep the battery working non-stop. In fact, it’s better not to fully charge lithium-ion batteries because high voltage stresses the battery and wears it out over time, according to technology company Cadex. You use vibrations for notifications Your phone, like any other tool or device, ages and loses effectiveness the more you use it, says David Steele, the Director of Business Development for EverydayPhone. So little extras, like vibrating notifications, are habits that make your phone’s job harder. “The issue with these habits essentially boils down to having your phone constantly running at full capacity when it’s unnecessary,” Steele says. “Just like us, a phone needs a break to avoid burning out.” You keep apps open that you're not using Unused apps can eat up the battery life of smartphones, according to Andrew Moore-Crispin, the Director of Content at Ting Mobile. “If you open an app once and never use it again, the app might still run in the background,” he says. Swiping out of apps you aren’t using or no longer need is an easy solution. Moore-Crispin says doing so extends the battery life of your phone while also freeing up valuable storage space, too. You allow unnecessary permissions Ride-sharing apps need your location to pick you up, but other apps might not need this permission. Moore-Crispin suggests you be picky about which apps you grant such permissions to and take away permissions you deem unnecessary. You have one of these apps The apps that drain your battery the most are Snapchat, Google Maps, Netflix, Amazon, and Facebook, according to AdWeek. The Guardian found that uninstalling the Facebook mobile app from Android phones saves people up to 20 percent of their battery life. If you also get rid of the FB Messenger app, other app load times could speed up by 15 per cent, per the Guardian. The reason Facebook particularly kills battery life is because it keeps running in the background – even when you’re not using it, Business Insider reports. Your screen is always extremely bright Gone are the days of tiny phone screens, but before you give the thumbs up emoji, understand how the bigger screens of today can be a phone battery’s worst enemy, according to Moore-Crispin. Make sure you turn on adaptive brightness in the display menu. This change means your phone will automatically adjust the screen brightness to match your environment. As a bonus, set the brightness level to the lowest possible and lower your screen’s timeout, which is what determines how long it stays lit before fading when it goes idle. You keep your phone out at the beach Extreme heat or extreme cold temperatures and other weather conditions can shorten the life of your phone. According to Time, excess heat can cause everything from data loss or corruption to battery leakage. Cold weather presents just as many issues. In cold temperatures, some smartphones shut off, have display problems, or run out of battery; in rare cases screens may shatter. You keep your phone in your bed or under your pillow Tucking your phone under your pillow when you sleep is another way to shorten its life, thanks to heat build-up. You don't keep your software up to date utting off device updates does more harm than good for your phone. iPhone and Android makers push updates to make your user experience better and so that your phone functions properly. These updates come with extra benefits, too. In fact, if your device has a weak battery or other issues, these software updates could remedy them, Popular Science reports. Make sure to keep up with app-specific updates as well. Image credits: Getty Images This article originally appeared on <a href="https://www.readersdigest.co.nz/home-tipsscience-technology/why-you-need-to-stop-charging-your-phone-overnight" target="_blank" rel="noopener">Reader's Digest</a>.

Technology

"My unexpected $223,000 overseas bill"

Jeffrey Yates had just embarked on a once-in-a-lifetime holiday with his wife to celebrate their wedding anniversary. Instead, he ended up racking up a whopping $223,255 bill, the biggest claim his insurance company had seen during 2017. The 71-year-old from Western Australia said the pair’s much-anticipated trip had started off well. “The trip was a particularly special one as it was our 50th wedding anniversary, so it was something we’d been looking forward to for quite some time,” Mr Yates told <a href="http://www.news.com.au/travel/travel-advice/health-safety/my-unexpected-223000-overseas-bill/news-story/94cd850899f9e1367bf6f3fb49621307">news.com.au.</a> “We started in Dubai, and then went over to Athens. From there, we jumped on a cruise from Athens to Barcelona.” But things soon took a turn when Jeffrey was struck with a series of illnesses while in Italy. “We were only a week in when my health started to deteriorate,” he said. “I contracted legionnaires’ disease and pneumonia which led to me discovering that I had emphysema on the trip. “The experience was quite scary and my wife and our two friends had to leave the cruise early to assist during my recovery.” He ended up in hospital for more than a month. “Within three days they’d dropped us off in Naples to see a specialist hospital, which led to 16 days in intensive care. This was followed by an extended stay in hospital. “All up, I was out of action for 47 days. After all was said and done, the total came to well over $220,000 … It was an extremely difficult situation.” Jeff says that while the couple always take out travel insurance, it was more for his wife who has ongoing health issues. He hadn’t anticipated he would need it. “It’s not something you think about, especially given how quickly those transportation and hospital bills can add up,” he said. “Of course, we were disappointed that such a long-awaited trip had been cut short, but we are grateful that it wasn’t worse and that we weren’t left out of pocket.” He says his experience show that all travellers need to protect themselves when travelling – as you really never know what could happen. Jeff still has ongoing health issues that he is being monitored for, including breathing issues for which he still requires oxygen. Images: Getty

Travel Trouble

Why can’t I use my phone or take photos on the airport tarmac? Is it against the law?

<a href="https://theconversation.com/profiles/doug-drury-1277871">Doug Drury</a>, <a href="https://theconversation.com/institutions/cquniversity-australia-2140">CQUniversity Australia</a> Mobile phones are not allowed to be used while on a plane because they can interfere with the aeroplane’s navigation instruments and <a href="https://theconversation.com/heres-the-real-reason-to-turn-on-aeroplane-mode-when-you-fly-188585">cause various safety and social issues</a>. As soon as the plane lands, we’re permitted to turn off flight mode, but at some airports we can’t get much of a signal. That’s because airports are known as mobile signal “<a href="https://thepointsguy.com/news/slow-connection-airport-tarmacs/">dead zones</a>” due to a lack of mobile towers – they can’t be placed at the airport itself due to height restrictions. Any nearby mobile towers would be located away from the airport’s runway systems to avoid interfering with the aeroplane’s flight path, especially take-off and landing direction. Most airports put up indoor repeater antennas within the airport terminal; these help increase the mobile signal strength coming from the nearest mobile tower somewhere near the airport. But you won’t be allowed to make calls while walking away from the plane, anyway. <h2>Why can’t I use my phone on the tarmac?</h2> As we are taxiing in, the <a href="https://www.qantas.com/au/en/qantas-experience/onboard/communication.html">cabin crew</a> remind us not to smoke outside of designated areas at the terminal and not to use our mobile phones until we are inside the terminal building. If you exit the plane down the rear stairs, why aren’t you allowed to use your phone once away from the aeroplane, if you can get a signal? Surely it won’t affect navigation. The answer is manifold, and regulations aren’t the same across the world. In Australia, a <a href="https://www.casa.gov.au/operations-safety-and-travel/travel-and-passengers/onboard-safety-and-behaviour/using-your-electronic-devices-flights">government regulation</a> prohibits the use of mobile phones on the tarmac – the aeroplane movement and parking area of the airport. You won’t be fined if you whip your phone out while walking to the terminal, but the airline may admonish you for not following the rules. However, if you decide to (<a href="https://www.smh.com.au/national/victoria/woman-arrested-after-running-onto-tarmac-at-melbourne-airport-20151125-gl7bkq.html">run around on the tarmac</a>, you could get arrested by federal police. The airport tarmac is very busy not just with aircraft, but also baggage carts, catering trucks, aeroplane waste removal trucks, and fuel trucks. Getting passengers off the tarmac and into the terminal building quickly and safely is a priority for the staff. If you are distracted while walking to the terminal building because you’re talking on your phone, it can be <a href="https://www.theguardian.com/us-news/2023/jan/25/alabama-airport-worker-killed-jet-engine-safety-warnings">highly dangerous and even deadly</a> if you end up too close to an operating plane. An operating jet engine is extremely hot and has a strong exhaust. Additionally, the front of the engine has a low-pressure area called an <a href="https://www.ukfrs.com/guidance/search/aircraft-systems-and-construction">ingestion zone</a> that can suck in a person. Ground staff are trained to stay at least ten metres away from this area. However, this information is not shared with the passengers. <h2>A myth about fuel</h2> You may have heard that mobile phones are a fire hazard near fuel, and aeroplanes are, of course, refuelled on the tarmac. However, the chances of fuel catching fire during this process are extremely low, because the refuelling truck is <a href="https://safetyfirst.airbus.com/safe-aircraft-refuelling/">bonded and “grounded” to the plane</a>: the operator attaches a wire to the aircraft to move built-up static electricity to the ground to prevent any chance of a spark. <figure class="align-right zoomable"><figcaption></figcaption></figure> There have been stories in the press about mobile phones sparking <a href="https://www.verizon.com/about/news/vzw/2014/12/fact-or-fiction-using-a-cell-phone-at-the-gas-station-can-cause-a-fire">fires at petrol stations in Indonesia and Australia</a>, but these turned out to be inaccurate. There is <a href="https://www.nfpa.org/assets/files/AboutTheCodes/30A/FI%20-%20NFPA%2030A-2015%20Para%208.3.1%20-%20Attachments%2014-19.2017-04-04.pdf">no evidence a phone can spark a fire at a fuel pump</a>, despite the warning labels you might see. Either way, the chances of a mobile phone causing this on the tarmac with a refuelling truck that is grounded to the aeroplane are extremely low, not least because the passenger permitted areas and refuelling areas are completely separated. <h2>Why are we told not to take photos on the tarmac?</h2> This rule varies from airport to airport depending on their <a href="https://www.tsa.gov/travel/frequently-asked-questions/can-i-film-and-take-photos-security-checkpoint">security processes</a>. Such restrictions are carryovers from the changes to airport security following the <a href="https://heinonline.org/HOL/P?h=hein.journals/jlecono50&i=739">September 11 2001 terrorist attacks</a>. The now federalised security teams, TSA (Transportation Security Administration) in the United States and the Department of Home Affairs in Australia, change their processes frequently to prevent having any identifiable patterns that could be used to create a security breach. The increased security measures also mean new technologies were introduced; airport security sections do not want photos taken of how they operate. The airport security process is a major choke point in the flow of passenger movement due to the screening process. If a passenger is perceived to be slowing the process down by taking photos or talking on their phone, they will be reminded to turn off their device and/or stop taking photos of security personnel and equipment. If you refuse to follow the rules of the screening process, you will be <a href="https://www.homeaffairs.gov.au/about-us/what-we-do/travelsecure/passenger-screening">denied entry</a> into the airport terminal gate area and miss your flight. Can you also get arrested for using your phone? Depends on the airport and country. I, for one, do not want to find out.<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/207926/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/doug-drury-1277871">Doug Drury</a>, Professor/Head of Aviation, <a href="https://theconversation.com/institutions/cquniversity-australia-2140">CQUniversity Australia</a> Image credits: Getty Images This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/why-cant-i-use-my-phone-or-take-photos-on-the-airport-tarmac-is-it-against-the-law-207926">original article</a>.

Travel Tips

How to avoid mobile phone bill horror stories when travelling

"I'm sorry, calls to this number are not allowed, please try again later". This. Again. At 1am standing outside what I thought was our Galway Airbnb, but instead was a popular alley for Irish revellers to relieve themselves. Brilliant. After begging a convenience store manager, borrowing a phone and stealing some local wi-fi, we made it to bed before 3am (one-star rating for the Airbnb host, naturally). Such was the power of the phone company when you're on holiday, I still got pinged far-too-high amounts for calls and data used to attempt a check-in at the Irish abode. A reader recently contacted me wanting to avoid such a conundrum by asking for the best SIM cards available in Europe. Thankfully, EU law has recently shielded travellers from harsh cross-border roaming charges by ruling that providers cannot charge excessively for access to rival networks in fellow EU nations. You'll see the kiosks hawking pre-paid SIM packages at many major airports. If you want the dependability a SIM provides, assess your needs and shop around. Better yet, get to know your smartphone better and use the whole range of mobile apps that will soon make international call and text roaming redundant. Organising hotels, taxis, tours, dinner reservations as well as calling home and making your friends and colleagues jealous with holiday snaps can all be done with a wi-fi connections, which are readily available and far cheaper (if not free). Avoid phone bill shock when you're away <ul> <li>Contact your mobile phone company rep about your destination and length of stay to see what add-ons and spending caps may be best.</li> <li>Only purchase local SIMs if you're in the country more than a week, have an unplanned itinerary or will have no free wi-fi at your accommodation.</li> <li>If you're on a per-day bundle, choose a few days to be on-the-grid and turn off your mobile data on other days.</li> <li>Go wi-fi only, in North American, Asian and European cities it's readily available.</li> <li>Embrace apps like Uber, Gett, WhatsApp, OpenTable and TripAdvisor to book taxis, call home and book restaurants and tours using hotel wi-fi and thus limiting calls.</li> </ul> Image credit: Shutterstock Written by Josh Martin. Republished with permission of <a href="http://www.stuff.co.nz/" target="_blank" rel="noopener">Stuff.co.nz</a>.

Travel Tips

6 amazing things you didn’t know your phone could do

Nobody ever bought a shiny brand new smartphone and then studiously read the manual! Maybe it’s just us but unfortunately it means we’ve missed out on the secret but amazing things your smartphone can do. You don't even need to download any apps to do these nifty tricks. Here are some of our favourite ones that we’re sure will impress next time you need them. Taking a screenshot A great trick if you want to share a hilarious text, picture or Facebook post with friends or family. iPhones – SImultaneously press (but not hold) the Home button and the Sleep/Wake button (top right of phone). You should hear a shutter click as well as see a white flash. The screenshot will be located on your Camera Roll in photos. Androids - Hold down the Power button and Volume -down button at the same time for a couple of seconds. Or hold down power button and home icon at the same time. If this doesn’t work, you can hold down the power button until the option to take a screen shot appears. Taking multiple photos at once A life-saver if you are taking pictures of wriggling kids or people who blink exactly when you take the picture (there’s always someone in the group isn’t there?). This little trick lets you take multiple pictures with a single click. iPhones – In the camera app, rather than tapping capture button to take photos, hold it down. Your camera will automatically take multiple picture (around 10 pictures a second) until you release the button. Androids - In the camera app, tap the gear icon and turn on “Burst Shot” settings. Return to your camera app and hold onto the capture button. Or go to camera, select mode, auto and click on burst shots. Change text size If the tiny text on the smartphone is giving you a headache, there’s an easily solution. You can change the settings so all text on your phone is large. iPhones - Go to Settings > General > Accessibility and turn on “Larger Text.” Androids - Go to Settings > Accessibility > Vision and tap font size and set it to Large. Read to you It really seems like technology can do anything, including programming your smartphone to read to you. iPhones - Go to Settings > General > Accessibility and turn on “Speak Selection.” You can even customise the voice that speaks to you choosing from a wide range of accent including Australian. To get your phone to speak to you, highlight text (double-tapping or tapping and holding on to it) and then tap Speak button in the pop-up menu. Turn off music automatically If you are one to listen to music or audiobooks as you drift off to sleep, you can use a timer to turn it off so it doesn’t drain your battery life. iPhones - Go to the Clock app and tap on "Timer," then "When Timer Ends." From here, scroll all the way down to the bottom of the screen and select "Stop Playing." Androids - Open the music player and go to Settings. Look for "Music auto off" and set it to however long you want the music to play. Search text messages Searching for messages is handy if you are looking for a specific text containing details like addresses, emails or dates. iPhones – When you open your Message app, scroll up and a search bar should pop up at the top of all your messages. Type in the phrase you are looking for. Androids – Open the Message app and then tap on the Menu. A few options will appear and click search. Image: Shutterstock

Technology

1 in 4 households struggle to pay power bills. Here are 5 ways to tackle hidden energy poverty

<a href="https://energyconsumersaustralia.com.au/news/how-increases-in-energy-prices-are-impacting-consumers#:%7E:text=Energy%2520affordability%2520is%2520not%2520just,in%2520the%2520past%252012%2520months.">One in four Australian households</a> are finding it hard to pay their gas and electricity bills. As winter looms, <a href="https://www.aer.gov.au/news-release/default-market-offer-2023%25E2%2580%259324-draft-determination">energy price rises</a> will make it even harder. Cold homes and disconnections resulting from energy poverty threaten people’s health and wellbeing. <a href="https://www.acoss.org.au/wp-content/uploads/2023/03/ACOSS-cost-of-living-report2-March-2023_web_FINAL.pdf">Income support for welfare recipients</a> and retrofitting homes to make them more thermally efficient – by adding insulation, for example – can ease the burden. And when homes are not too cold or hot, <a href="https://theconversation.com/fuel-poverty-makes-you-sick-so-why-has-nothing-changed-since-i-was-a-child-living-in-a-cold-home-201787">people’s health benefits</a>. This in turn <a href="https://apo.org.au/node/319556">eases pressure on the public health system</a>. However, many people are missing out on assistance as programs often do not recognise their difficulties. Their energy vulnerability is hidden. <h2>What forms does hidden energy poverty take?</h2> <a href="https://www.sciencedirect.com/science/article/pii/S2214629623000737">Our newly published study</a> has revealed six aspects of hidden energy vulnerability. These are: <ol> <li> underconsumption – households limit or turn off cooling, heating and/or lights to avoid disconnections </li> <li> incidental masking – other welfare support, such as rent relief, masks difficulties in paying energy bills </li> <li> some households disguise energy poverty by using public facilities such as showers or pooling money for bills between families </li> <li> some people conceal their hardship due to pride or fear of legal consequences, such as losing custody of children if food cannot be refrigerated because the power has been cut off </li> <li> poor understanding of energy efficiency and the health risks of cold or hot homes adds to the problem </li> <li> eligibility criteria for energy assistance programs may exclude some vulnerable households. For example, people with income just above the welfare threshold are missing out on energy concessions. Energy retailer hardship programs also ignore people who have voluntarily disconnected due to financial hardship. </li> </ol> <h2>5 ways to help these households</h2> Our studies suggest trusted intermediaries such as people working in health, energy and social services can play a vital role in identifying and supporting such households. First, energy efficiency and hardship initiatives may be <a href="https://www.rmit.edu.au/about/schools-colleges/property-construction-and-project-management/research/research-centres-and-groups/sustainable-building-innovation-laboratory/projects/care-at-home-system-improvements">integrated into the My Aged Care in-home care system</a>. Energy poverty risk identification, response and referral could be built into the national service’s assessment form. This could leverage existing client screening processes. The system’s front-line staff could connect at-risk householders with energy counsellors. These counsellors could help people access better energy contracts, concessions, home retrofits and appliance upgrade programs. A new Commonwealth “energy supplement” could help pay for essential energy-related home modifications. This would help avoid My Aged Care funds being diverted from immediate healthcare needs. Second, general practitioners and other health professionals could help identify energy vulnerability among patients with medical conditions of concern. They could also provide letters of support emphasising renters’ health-based need for air conditioners or heaters. Third, energy providers could use household energy data to identify those that seem to be under-consuming or are often disconnected. They could also identify those that are not on “best offer” deals. They could be proactive in checking struggling householders’ eligibility for ongoing energy concessions and one-off debt relief grants offered by states and territories. Energy providers could also make it easier for social housing providers to ensure concessions for tenants renew automatically. Fourth, local councils could use their data to identify at-risk householders. They might include those with a disability parking permit, discounted council rates or in arrears, on the social housing waiting list, Meals on Wheels clients and social housing tenants. Maternal and child health nurses and home and community care workers making home visits could call attention to cold or hot homes. Councils could employ in-house energy counsellors to provide assistance and energy literacy training. Council home maintenance teams could develop bulk-buying, insulation and neighbourhood retrofit programs. Strategies to reduce vulnerability to energy poverty should be part of municipal public health and wellbeing plans. Under these strategies, net-zero-carbon funds set up by states and local councils to reduce emissions could finance targeted housing retrofits. We also suggest setting up a central helpline to improve access to energy assistance via local referrals. Fifth, residential energy-efficiency programs could become more person-centric. For example, we already have <a href="https://www.homescorecard.gov.au/">Residential Efficiency Scorecard</a> audits to assess the thermal quality of a home. These audits could also explore whether concessions and better energy deals are available to the household. <h2>Building capacity at all levels</h2> <a href="https://cur.org.au/cms/wp-content/uploads/2021/08/tackling-hidden-energy-final.pdf">Capacity-building strategies</a> are needed at all levels – individual, community and government – to overcome the <a href="https://www.sciencedirect.com/science/article/pii/S2214629623000737">challenges</a> of reducing energy poverty. Current obstacles include the competing priorities of service providers, lack of time and resources, and <a href="https://www.sciencedirect.com/science/article/abs/pii/S2214629622003553">poor co-ordination between siloed</a> programs and services. Access to essential energy services should be part of state and local governments’ strategic health plans. Housing, energy and health departments could work together to include housing retrofits in preventive health programs. A comprehensive approach is needed to overcome hidden energy poverty. It must include public education, integrated services and well-funded energy-efficiency programs. Regulatory reforms and ongoing funding are both needed to improve the availability of energy-efficient, affordable homes for tenants. Our suggested strategies start with improving the skills and knowledge of trusted intermediaries. Doctors, social workers, housing officers, community nurses and volunteers can play a central role. Using these front-line professionals to help identify and act on energy poverty offers a novel, cost-effective and targeted solution. This article originally appeared on <a href="https://theconversation.com/1-in-4-households-struggle-to-pay-power-bills-here-are-5-ways-to-tackle-hidden-energy-poverty-204672" target="_blank" rel="noopener">The Conversation</a>. Images: Getty

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"I am not a monster": Disturbing reason police have seized phone of woman claiming to be Madeleine McCann

Polish woman Julia Faustyna who went viral over <a href="https://www.oversixty.co.nz/news/news/woman-shares-evidence-that-she-is-madeleine-mccann" target="_blank" rel="noopener">claims she could be Madeleine McCann </a>has had her phone seized by US police over claims it contains explicit images of children. The phone was given to authorities by a former spokesperson for Faustyna and psychic private investigator Fia Johansson. The phone was reportedly left with Johansson when she brought Faustyna, 21, to the US for <a href="https://www.oversixty.co.nz/news/news/julia-faustyna-takes-dna-test-to-prove-wild-identity-claims" target="_blank" rel="noopener">DNA and family ancestry test results</a> over her claiming to be the missing toddler. The results confirmed that Faustyna was “absolutely, 100 per cent from Poland". Johansson handed the phone over to police during a search and seizure as part of an investigation, but the reason behind what prompted the pursuit remains unknown, according to the New York Post. Wroclaw police in Poland were contacted by the Orange County Sheriff’s Department and were informed that they were in possession of a phone thought to belong to Faustyna, according to a RadarOnline.com report. “Our investigation is taking a deep look into it and we’re going to let them do their investigative duties and then from that point let the judicial system take over – if it needs to,” department spokesman Sergeant Mike Woodroof said. Johansson reportedly added, “I’m told an investigator from the Sheriff’s Department is personally taking the device to Poland to make sure it doesn’t get lost or misplaced.” She also shared an image of a denied release of case information form from the Orange County Sheriff’s Department on social media, including a statement regarding the investigation. <blockquote class="instagram-media" style="background: #FFF; border: 0; border-radius: 3px; box-shadow: 0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width: 540px; min-width: 326px; padding: 0; width: calc(100% - 2px);" data-instgrm-captioned="" data-instgrm-permalink="https://www.instagram.com/p/CrJh_DVvl3i/?utm_source=ig_embed&utm_campaign=loading" data-instgrm-version="14"> <div style="padding: 16px;"> <div style="display: flex; flex-direction: row; align-items: center;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 40px; margin-right: 14px; width: 40px;"> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 100px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 60px;"> </div> </div> </div> <div style="padding: 19% 0;"> </div> <div style="display: block; height: 50px; margin: 0 auto 12px; width: 50px;"> </div> <div style="padding-top: 8px;"> <div style="color: #3897f0; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: 550; line-height: 18px;">View this post on Instagram</div> </div> <div style="padding: 12.5% 0;"> </div> <div style="display: flex; flex-direction: row; margin-bottom: 14px; align-items: center;"> <div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(0px) translateY(7px);"> </div> <div style="background-color: #f4f4f4; height: 12.5px; transform: rotate(-45deg) translateX(3px) translateY(1px); width: 12.5px; flex-grow: 0; margin-right: 14px; margin-left: 2px;"> </div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(9px) translateY(-18px);"> </div> </div> <div style="margin-left: 8px;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 20px; width: 20px;"> </div> <div style="width: 0; height: 0; border-top: 2px solid transparent; border-left: 6px solid #f4f4f4; border-bottom: 2px solid transparent; transform: translateX(16px) translateY(-4px) rotate(30deg);"> </div> </div> <div style="margin-left: auto;"> <div style="width: 0px; border-top: 8px solid #F4F4F4; border-right: 8px solid transparent; transform: translateY(16px);"> </div> <div style="background-color: #f4f4f4; flex-grow: 0; height: 12px; width: 16px; transform: translateY(-4px);"> </div> <div style="width: 0; height: 0; border-top: 8px solid #F4F4F4; border-left: 8px solid transparent; transform: translateY(-4px) translateX(8px);"> </div> </div> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center; margin-bottom: 24px;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 224px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 144px;"> </div> </div> <p style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; line-height: 17px; margin-bottom: 0; margin-top: 8px; overflow: hidden; padding: 8px 0 7px; text-align: center; text-overflow: ellipsis; white-space: nowrap;"><a style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: normal; line-height: 17px; text-decoration: none;" href="https://www.instagram.com/p/CrJh_DVvl3i/?utm_source=ig_embed&utm_campaign=loading" target="_blank" rel="noopener">A post shared by Dr. Fia Johansson (@persianmedium)</a> </div> </blockquote> “There will be no comment or discussion at this time or moving forward concerning the active ongoing investigation with Orange County Sheriff’s Department and special public affairs division due to protocol and the sensitivity and nature of the intelligence that has been gathered and rendered,” she said. “It’s an active investigation and DA will not comment out of concern for the safety of the victims.” After Faustyna received her DNA test results and appeared on Dr Phil, Johannson revealed she travelled back to Poland to live with her father. The DNA results prompted <a href="https://www.oversixty.co.nz/news/news/madeleine-mccann-s-parents-speak-out-after-dna-test-results" target="_blank" rel="noopener">Madeleine McCann’s parents to break their silence</a> after months of emotional turmoil. Faustyna now denies all the allegations against her to reporters. “I didn’t have child pornography on my phone. I am not a paedo and I never tried to encourage any teenagers to do anything illegal and bad and disgusting,” she told The Sun. “Just think carefully, if someone is a paedo, I believe this person would never go by himself to a police station or this person would never talk about what I was talking in public to the whole world because it would be very dangerous for this person. “It is not logical ... I am saying the truth and I will make my name clean because I am not a monster.” She told The Sun she had purchased the phone from an unknown person, saying that if there were explicit images on her phone they were put there by someone else. Image credit: Instagram

Legal

Screwed over: how Apple and others are making it impossible to get a cheap and easy phone repair

If Apple and other tech companies have their way, it will only become harder to have our phones and other devices repaired by third-party businesses. Smartphones and many other tech devices are increasingly being designed in ways that make it challenging to repair or replace individual components. This might involve soldering the processor and flash memory to the motherboard, gluing components together unnecessarily, or using non-standard <a href="https://www.ifixit.com/News/14279/apples-diabolical-plan-to-screw-your-iphone">pentalobe screws</a> which make replacements problematic. Many submissions to an Australian “right to repair” <a href="https://www.pc.gov.au/inquiries/current/repair/submissions#initial">inquiry</a> have called on tech manufacturers to provide a fair and competitive market for repairs, and produce products that are easily repairable. The <a href="https://www.pc.gov.au/inquiries/current/repair/issues/repair-issues.pdf">right to repair</a> refers to consumers’ ability to have their products repaired at a competitive price. This includes being able to choose a repairer, rather than being forced by default to use the device manufacturer’s services. But it seems Apple doesn’t want its customers to fix their <a href="https://www.vice.com/en/article/evmeya/apple-iphone-right-to-repair-california">iPhones</a>or <a href="https://www.inputmag.com/culture/apples-repair-policies-are-utterly-shameful-and-shouldnt-be-allowed-e-waste-recycling-macbooks-t2">Macbooks</a> themselves. The company has <a href="https://www.vice.com/en/article/nz85y7/apple-is-lobbying-against-your-right-to-repair-iphones-new-york-state-records-confirm">lobbied against</a> the right to repair in the United States and has <a href="https://www.npr.org/2020/11/18/936268845/apple-agrees-to-pay-113-million-to-settle-batterygate-case-over-iphone-slowdowns">been accused of deliberately slowing down</a> iPhones with older batteries. <a href="https://www.pewtrusts.org/en/research-and-analysis/blogs/stateline/2019/10/16/tech-giants-fight-digital-right-to-repair-bills">Opposition</a> against the right to repair from tech companies is to be expected. Cornering consumers into using their service centres increases their revenue and extends their market domination. In its defence, Apple has said <a href="https://time.com/4828099/farmers-and-apple-fight-over-the-toolbox/">third-party repairers</a> could use lower quality parts and also make devices vulnerable to hackers. It also defended its <a href="https://venturebeat.com/2019/08/14/apple-defends-iphone-unauthorized-battery-warning-as-a-safety-feature/">battery warning indication</a> as a “safety” feature, wherein it started to alert users if their phone’s replacement battery hadn’t come from a certified Apple repairer. In the US, Apple’s <a href="https://support.apple.com/irp-program">independent repair provider program</a> grants certain providers access to the parts and resources needed to fix its devices. Independent repair shops in <a href="https://www.apple.com/newsroom/2020/07/apple-expands-iphone-repair-services-to-hundreds-of-new-locations-across-the-us/">32 countries</a> can now apply, but the scheme has yet to extend outside the US. <h2>Impact on users</h2> With the iPhone 12 — the latest iPhone offering — Apple has <a href="https://www.ifixit.com/News/45921/is-this-the-end-of-the-repairable-iphone">made it even harder</a> for third-party repairers to fix the device, thereby increasing users’ reliance on its own services. Apple has hiked its <a href="https://support.apple.com/en-au/iphone/repair/service/screen-replacement">repair charges</a> for iPhone 12 by more than 40%, compared with the iPhone 11. It is <a href="https://support.apple.com/en-au/iphone/repair/service/screen-replacement">charging</a> more than A$359 to fix an iPhone 12 screen outside of warranty and A$109 to replace the battery. Historically, third-party repairers have been a cheaper option. But using a third-party repairer for an iPhone 12 could render some phone features, such as the camera, <a href="https://www.theverge.com/2020/10/30/21542242/apple-iphone-12-third-party-repairs-ifixit-camera-module-replacement">almost inoperable</a>. According to reports, fixing the iPhone 12’s camera requires <a href="https://9to5mac.com/2020/10/30/iphone-12-camera-repair/">Apple’s proprietary</a> system configuration app, available only to the company’s own authorised technicians. It’s not just Apple, either. <a href="https://www.techradar.com/au/news/samsungs-galaxy-s20-ultra-is-unsurprisingly-difficult-to-repair">Samsung’s</a> flagship phones are also quite tricky for third-party repairers to fix. <h2>Impact on environment</h2> When certain parts for repairs aren’t available, manufacturers will produce new phones instead, consuming <a href="https://www.envirotech-online.com/news/environmental-laboratory/7/breaking-news/how-do-smartphones-affect-the-environment/48339">more energy and resources</a>. In fact, manufacturing one smartphone <a href="https://www-sciencedirect-com.ezproxy.cqu.edu.au/science/article/pii/S095965261733233X">consumes</a> as much energy as using it for ten years. As smartphones become harder to repair, electronic waste will grow. Apple and Samsung both cited environmental benefits when they announced they would no longer ship <a href="https://theconversation.com/apples-iphone-12-comes-without-a-charger-a-smart-waste-reduction-move-or-clever-cash-grab-148189">chargers</a> with their phones. Yet, they’ve turned a blind eye to the environmental damage that would arise from completely cornering the repair market. The average Australian home has <a href="https://thinktv.com.au/facts-and-stats/australian-homes-are-experiencing-a-screen-explosion/">6.7 devices</a>, including televisions, personal computers, laptops, tablets and smartphones. With diminishing opportunities for repair, the environmental burden from disposing of these devices will increase. <h2>What is being done?</h2> Phone giants make it tough for third-party repairers to do their job in a variety of ways. This includes constantly changing designs, adding hurdles to the repair process, and restricting access to parts, diagnostic software and repair documentation. Meanwhile, consumers are left with broken phones and huge repair bills — and repairers are left with less business. The fight to remove barriers to repair is gaining momentum outside Australia, too, in countries including <a href="https://www.policyalternatives.ca/publications/monitor/when-will-canadians-have-right-repair">Canada</a>, the <a href="https://www.thetimes.co.uk/article/right-to-repair-means-spare-parts-for-household-appliances-mr5gmkjxr">United Kingdom</a> and the <a href="https://www.repair.org/legislation">United States</a>. Legislative reforms have been introduced in the <a href="https://repair.eu/news/european-parliament-calls-for-ambitious-right-to-repair/">European Union</a> and <a href="https://www.vice.com/en/article/93wy8v/newly-passed-right-to-repair-law-will-fundamentally-change-tesla-repair">Massachusetts</a>. France has introduced a <a href="https://www.ecologie.gouv.fr/indice-reparabilite">Repairability Index</a> requiring electrical and electronic equipment companies to inform consumers about their products’ repairability on a scale of one to ten. This takes into account the ease of repairability, availability and price of spare parts and availability of technical repair documents. <h2>The path moving forward</h2> Until the push for right to repair legislative reform gathers pace globally, consumers will have little choice but to pay up to big companies to access their authorised repair services. If they don’t, they may risk losing their warranty, ending up with a non-functional device and even <a href="https://static1.squarespace.com/static/5e449c8c3ef68d752f3e70dc/t/5ea8a6d93b485d0feb9b5d6b/1588111098207/Report_RightToRepair_HanleyKellowayVaheesan-1.pdf">infringing</a> upon the manufacturers’ software copyrights. Ideally, phone companies (and others) would assist users with the repair process by providing replacement parts, repair documentation and diagnostic tools to third-party repairers. This would also help <a href="https://www.apple.com/au/newsroom/2020/07/apple-commits-to-be-100-percent-carbon-neutral-for-its-supply-chain-and-products-by-2030/">Apple</a> and <a href="https://www.samsung.com/us/aboutsamsung/sustainability/environment/">Samsung</a> reduce their carbon footprint and achieve their environmental goals. Although the way things are going, it’s unlikely tech companies will be able to escape their self-inflicted repair obligations. In the past, Apple CEO Jeff Williams has <a href="https://www.apple.com/newsroom/2019/08/apple-offers-customers-even-more-options-for-safe-reliable-repairs/">said, "</a>we believe the safest and most reliable repair is one handled by a trained technician using genuine parts that have been properly engineered and rigorously tested." But with only so much workforce available even to Apple, sharing the load with smaller repairers will help. And for consumers’ benefit, the right to repair legislation must be taken seriously, with consistent repairability scores developed across the globe. Image credits: Getty Images This article originally appeared on <a href="https://theconversation.com/screwed-over-how-apple-and-others-are-making-it-impossible-to-get-a-cheap-and-easy-phone-repair-156871" target="_blank" rel="noopener">The Conversation</a>.

Technology

What the “father of the cell phone” wants you to know

The inventor of the mobile phone has shared his candid opinion about the obsession with smart devices. Martin Cooper, an American engineer dubbed the “father of the cell phone”, invented the very first mobile phone 50 years ago in 1973. Back then, the weighty block of wires and circuits were only used to make calls, a far cry from having the world at your fingertips with smartphones today. Cooper believes that despite all the good that can come from modern technology, the world has become a little obsessed with smart devices. “I am devastated when I see somebody crossing the street and looking at their cell phone. They are out of their minds,” the 94-year-old told AFP from his office in Del Mar, California. “But after a few people get run over by cars, they’ll figure it out,” he joked. Mr Cooper also indulges in the latest gadgets, as he wears an Apple Watch and uses a top-end iPhone, flicking intuitively between his email, photos, YouTube and the controls for his hearing aid. Despite keeping up with all the latest apps, updates and upgrades, he confessed that sometimes it can all seem a little overwhelming. “I will never, ever understand how to use the cell phone the way my grandchildren and great grandchildren do,” he said. “Each generation is going to be smarter … they will learn how to use the cell phone more effectively,” he said. “Humans sooner or later figure it out.” Image credits: Getty Images

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What the “father of the cell phone” wants you to know