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Hotel booking sites actually make it hard to get cheap deals, but there’s a way around it

<p><em><a href="https://theconversation.com/profiles/peter-martin-682709">Peter Martin</a>, <a href="https://theconversation.com/institutions/crawford-school-of-public-policy-australian-national-university-3292">Crawford School of Public Policy, Australian National University</a></em></p> <p>Booking a place to stay on holidays has become a reflex action.</p> <p>The first thing many of us do is open a site such as <a href="https://www.wotif.com/">Wotif</a>, <a href="https://au.hotels.com/?locale=en_AU">Hotels.com</a> or <a href="https://www.trivago.com.au/">trivago</a> (all of which are these days owned by the US firm <a href="https://www.accc.gov.au/media-release/accc-will-not-oppose-expedia%E2%80%99s-proposed-acquisition-of-wotif">Expedia</a>), or their only big competitor, <a href="https://www.booking.com/">Booking.com</a> from the Netherlands.</p> <p>Checking what rooms are available – anywhere – is wonderfully easy, as is booking, at what usually seems to be the lowest available price.</p> <p>But Australia’s Assistant Competition Minister Andrew Leigh is concerned there might be a reason the price seems to be the lowest available. It might be an <a href="https://ministers.treasury.gov.au/ministers/andrew-leigh-2022/media-releases/supporting-tourism-and-accommodation-providers-set-their">agreement not to compete</a>, or the fear of reprisals against hotel owners who offer better prices.</p> <h2>Agreements to not compete</h2> <p>Leigh has asked the treasury to investigate, and if that’s what it finds, it may be the booking sites have the perverse effect of keeping prices high, especially when the substantial fees they charge hotels are taken into account.</p> <p>For now, the treasury is seeking information. It has set a deadline of <a href="https://treasury.gov.au/consultation/c2022-338978">January 6</a> for hotel operators and booking sites to tell it:</p> <ul> <li> <p>the typical fees charged by online booking platforms</p> </li> <li> <p>the details of any agreements not to compete on price</p> </li> <li> <p>whether hotels that try to compete get ranked lower on booking sites.</p> </li> </ul> <p>What’s likely to come out of it is a ban on so-called price-parity clauses that prevent discounting, or a ban on “algorithmic punishment,” whereby hotels that do discount get pushed way down the rankings on the sites.</p> <p>But in the meantime, there are things we can do to get better prices, and they’ll help more broadly, as I’ll explain.</p> <h2>Flight Centre precedent</h2> <figure class="align-right zoomable"></figure> <p>Back in 2018, in a case that went all the way to the High Court, the Australian Competition and Consumer Commission (ACCC) forced <a href="https://www.accc.gov.au/media-release/flight-centre-ordered-to-pay-125-million-in-penalties">Flight Centre</a> to pay a penalty of A$12.5 million for attempting to induce airlines not to undercut it on ticket prices.</p> <p>That the ACCC eventually won the case might be an indication price-parity clauses are already illegal under Australian law. But it’s a difficult law to enforce. This is why the treasury is considering special legislation of the kind in force in France, Austria, Italy and Belgium.</p> <p>The ACCC has known for some time that Expedia and Booking.com have included clauses in their contracts preventing hotels offering the same room for any less than they do, even directly.</p> <p>Rather than take the big two to court, in 2016 the ACCC “reached agreement” with them to delete the clauses that prevented hotels offering better deals <a href="https://www.accc.gov.au/media-release/expedia-and-bookingcom-agree-to-reinvigorate-price-competition-by-amending-contracts-with-australian-hotels">face-to-face</a>.</p> <h2>The concession that conceded little</h2> <p>From then on, hotels were able to offer better deals than the sites over the phone or in person, but not on their own websites. Given we are less and less likely to walk in off the street or even use the phone to book a hotel, it wasn’t much of a concession.</p> <p>Then, in 2019, with the Commission under renewed pressure from hotel owners for another investigation, Expedia (but not Booking.com) reportedly <a href="https://www.smartcompany.com.au/business-advice/competition/expedia-allow-hotels-undercut-prices-online/">waived</a> the rest of the clauses, giving hotel owners the apparent freedom to advertise cheaper prices wherever they liked including on their own sites without fear of retribution.</p> <p>Except several appear to fear retribution, and very few seem to have jumped at the opportunity.</p> <h2>Algorithmic punishment</h2> <p>An Expedia spokesman gave an indication of what might be in store when he was quoted as saying a hotel that undercut Expedia might “find itself ranked <a href="https://www.smartcompany.com.au/business-advice/competition/expedia-allow-hotels-undercut-prices-online/">below its competitors</a>, just as it would if it had worse reviews or fewer high-quality pictures of its property”.</p> <p>Being ranked at the bottom of a site is much the same as not being ranked at all, something Leigh refers to as “algorithmic punishment”.</p> <p>It’s not at all clear the present law prevents it, which is why Leigh is open to the idea of legislating against it.</p> <p>Although you and I may not often think about what hotels are paying to be booked through sites such as Wotif and Booking.com, and although what’s charged to the hotel isn’t publicised, it appeard to be a large chunk of the cost of providing the room.</p> <p>One figure quoted is <a href="https://www.smartcompany.com.au/industries/tourism/online-travel-booking-fed-up-small-businesses-call-accc-action/">20%</a>. Leigh says hotel owners have told him the fees are in the “<a href="https://ministers.treasury.gov.au/ministers/andrew-leigh-2022/transcripts/interview-geraldine-doogue-abc-saturday-extra">double digits</a>”, something he says is quite a lot when you consider the sites don’t need to clean the toilets, change the sheets or help on the front desk.</p> <h2>‘Chokepoint capitalism’</h2> <p>What this seems to mean (the treasury will find out) is almost all bookings are more expensive than they need to be because firms that sit at the “<a href="https://theconversation.com/chokepoint-capitalism-why-well-all-lose-unless-we-stop-amazon-spotify-and-other-platforms-squeezing-cash-from-creators-194069">chokepoint</a>” between buyers and sellers are squeezing sellers.</p> <p>A hotel could always abandon the sites and offer much cheaper prices, but for a while – perhaps forever – it will be much harder to find.</p> <p>In their defence, the operators of the platforms might say they need to get the best offers from hotels in order to make it worthwhile for the operators to invest in their sites, an argument the treasury is inviting them to put.</p> <p>In the meantime, with some hotels reluctant to put their best rates on their websites, but with them perfectly able to offer better rates over the phone, there’s a fairly simple way we can all get a better deal – and help fix the broader problem by weight of numbers.</p> <p>If we look up the best deal wherever we want online, and then phone and ask for a better one (or a better room), we might well find we get it. We might be saving the owner a lot of money.</p> <p>Leigh reckons the more we do ring up, the more the sites might feel pressure to discount their own fees, helping bring prices down even before he starts to think about writing legislation.<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/196460/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /></p> <p><a href="https://theconversation.com/profiles/peter-martin-682709"><em>Peter Martin</em></a><em>, Visiting Fellow, <a href="https://theconversation.com/institutions/crawford-school-of-public-policy-australian-national-university-3292">Crawford School of Public Policy, Australian National University</a></em></p> <p><em>Image 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/hotel-booking-sites-actually-make-it-hard-to-get-cheap-deals-but-theres-a-way-around-it-196460">original article</a>.</em></p>

Travel Trouble

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Readers response: What’s the best book you’ve read recently, and what did you love about it?

<p>With hundreds of new books on the market, it's hard to know what are the best to recommend.</p> <p>We asked our readers what the best book they've read recently is and what did they love about it, and the response was overwhelming. Here's what they said. </p> <p><strong>Helen Ulgekutt</strong> - The Venice Hotel by Tess Woods, loved it start to finish.</p> <p><strong>Zoy Crizzle</strong> - The Little Paris Bookshop by Nina George. Great book, so easy to read and an interesting story line. I loved it.</p> <p><strong>Keralie Stack</strong> - I have just finished Fallen Woman by Fiona McIntosh. A good read.</p> <p><strong>Karen Peardon</strong> - The Borrowed Life of Frederick Fife by Anna Johnston. A great story.</p> <p><strong>Nola Schmidt</strong> - The Perfect Passion Company by Alexander McCall Smith. It was clever, witty, and gentle. </p> <p><strong>June Lennie</strong> - People of the Book by Geraldine Brooks. Interesting story set in different historical periods. Brilliantly written and researched.</p> <p><strong>Christine Hayes</strong> - Where the Crawdads Sing, just beautiful.</p> <p><strong>Sandra Moores</strong> - All That's Left Unsaid by Tracey Lien.  A great debut based in Cabramatta, very compelling read.</p> <p><strong>Greg Cudmore </strong>- 'To Alpha From Omega'. Although very much Australian, its themes are universal.</p> <p><strong>Denise Zephyr</strong> - The Days I Loved You Most. Such a beautiful story and a beautiful ending.</p> <p><strong>Marie Chong</strong> - Minding Frankie by Maeve Binchy. I love all her books, she tells a good story.</p> <p><strong>Yvonne Bercov</strong> - The Nightingale by Kristin Hannah, couldn’t put it down.</p> <p><em>Image credits: Shutterstock </em></p>

Books

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How do children learn good manners?

<p><em><a href="https://theconversation.com/profiles/sophia-waters-501831">Sophia Waters</a>, <a href="https://theconversation.com/institutions/university-of-new-england-919">University of New England</a></em></p> <p>Ensuring kids have manners is a <a href="https://tidsskrift.dk/sss/article/view/135074">perennial preoccupation</a> for parents and caregivers.</p> <p>How, then, do you teach good manners to children?</p> <p>Modelling good manners around the home and in your own interaction with others is obviously crucial.</p> <p>But there’s a clear <a href="https://tidsskrift.dk/sss/article/view/135074">uniting theme</a> when it comes to manners in Australia: in Australian English, good manners centre on honouring personal autonomy, egalitarianism and not appearing to tell people what to do.</p> <h2>Which manners matter most in Australia?</h2> <p>Some of the most important manners in Australian English are behavioural edicts that focus on particular speech acts: greeting, requesting, thanking and apologising.</p> <p>These speech acts have a <a href="https://tidsskrift.dk/sss/article/view/135074/179857">set of words</a> associated with them:</p> <ul> <li>hello</li> <li>hi</li> <li>may I please…?</li> <li>could I please…?</li> <li>thank you</li> <li>ta</li> <li>sorry</li> <li>excuse me.</li> </ul> <p>Good manners make people feel comfortable in social situations by adding predictability and reassurance.</p> <p>They can act as signposts in interactions. Anglo cultures place a lot of weight on <a href="https://www.sciencedirect.com/science/article/pii/S0378216612001014">egalitarianism</a>, personal autonomy and ensuring we don’t <a href="https://www.google.com.au/books/edition/English/d-d5AAAAIAAJ?hl=en">tell people what to do</a>.</p> <p>If you want to get someone to do something for you – pass you a pen, for example – you frame the request as a question to signal that you’re not telling them what to do.</p> <p>You’ll also add one of the main characters in Anglo politeness: the magic word, “<a href="https://www.academia.edu/20312114/Lige_a_Danish_magic_word_An_ethnopragmatic_analysis">please</a>”.</p> <p>This framing recognises you don’t expect or demand compliance. You’re acknowledging the other person as an autonomous individual who can do what they want.</p> <p>If the person does the thing you’ve asked, the next step is to say “thank you” to recognise the other person’s autonomy. You’re acknowledging they didn’t have to help just because you asked.</p> <h2>The heavy hitters</h2> <p>The words “please” and “thank you” are such heavy hitters in Australian English good manners, they’re two of the words that language learners and migrants <a href="https://www.tandfonline.com/doi/epdf/10.1080/10408340308518247?needAccess=true">learn first</a>.</p> <p>They can help soften the impact of your words. Think, for example, of the difference between “no” and “no, thank you”.</p> <p>Of course, there are times when “no” is a full sentence. But what if someone offered you a cup of tea and you replied “no” without its concomitant “thank you” to soften your rejection and acknowledge this offer didn’t have to be made? Don’t be surprised if they think you sound a bit rude.</p> <p>The other big players in Australian English good manners are “sorry” and “excuse me”. Much like in <a href="https://www.instagram.com/p/BZ1Eid0gnLV/">British English</a>, the Australian “sorry” means many things.</p> <p>These can preface an intrusion on someone’s personal space, like before squeezing past someone in the cinema, or on someone’s speaking turn.</p> <p>Interrupting or talking over someone else is often heavily frowned on in Australian English because it is often interpreted as disregarding what the other person has to say.</p> <p>But in some cultures, <a href="https://www.sciencedirect.com/science/article/pii/S0346251X14001365">such as French</a>, this conversational style is actively encouraged. And some languages and cultures <a href="https://www.sciencedirect.com/science/article/pii/S038800011830069X?via%3Dihub">have different conventions</a> around what good manners look like around strangers versus with family.</p> <p>Good manners involve saying certain words in predictable contexts.</p> <p>But knowing what these are and when to use them demonstrates a deeper cultural awareness of what behaviours are valued.</p> <h2>How do children learn manners?</h2> <p>As part of my <a href="https://tidsskrift.dk/sss/article/view/135074">research</a>, I’ve analysed parenting forum posts about “good manners”. Some believe good manners should be effortless; one parent said:</p> <blockquote> <p>Good manners shouldn’t be something that a child has to think about […] teach them correctly at home from day one, manners become an integral part of the way they view things.</p> </blockquote> <p>Another forum user posited good modelling was the key, saying:</p> <blockquote> <p>the parent has to lead by example, rather than forcing a child to say one or the other.</p> </blockquote> <p>One <a href="https://pubmed.ncbi.nlm.nih.gov/38777043/">study</a>, which involved analysis of more than 20 hours of videorecorded family dinner interactions collected in Italy, found mealtimes are also sites where parents control their children’s conduct “through the micro-politics of good manners.”</p> <blockquote> <p>By participating in mealtime interactions, children witness and have the chance to acquire the specific cultural principles governing bodily conduct at the table, such as ‘sitting properly’, ‘eating with cutlery’, and ‘chewing with mouth closed’.</p> <p>Yet, they are also socialised to a foundational principle of human sociality: one’s own behavior must be self-monitored according to the perspective of the generalised Other.</p> </blockquote> <p>In Australian English, that means regulating your behaviour to make sure you don’t do something that could be seen as “rude”. As I argued in a 2012 <a href="https://www.sciencedirect.com/science/article/abs/pii/S0378216612000410">paper</a>:</p> <blockquote> <p>While child socialisation in Anglo culture involves heavy discouragement of rudeness, French does not have a direct equivalent feature […] French children are taught <em>ça ne se fait pas</em>, ‘that is not done’. Where the French proscribe the behaviours outright, the Anglos […] appeal to the image one has of oneself in interpersonal interactions.</p> </blockquote> <p>In Anglo English, the penalties for breaches could be other people’s disapproval and hurting their feelings.</p> <h2>Why are good manners important?</h2> <p>Good manners affect our interactions with others and help us build positive relationships.</p> <p>Fourteenth century English bishop and educator, William of Wykeham, declared that “<a href="https://www.oxfordreference.com/display/10.1093/oi/authority.20110803100131244#:%7E:text=Manners%20maketh%20man%20proverbial%20saying,Winchester%20and%20chancellor%20of%20England">manners maketh the man</a>”.</p> <p>John Hopkins University Professor <a href="https://ii.library.jhu.edu/2018/12/11/in-memory-of-p-m-forni-the-case-for-civility-in-the-classroom-and-beyond/">Pier Forni</a> called them a “precious life-improvement tool.”</p> <p>The “Good Manners” <a href="https://education.qld.gov.au/about-us/history/history-topics/good-manners-chart">chart</a>, based on a set of rules devised by the Children’s National guild of Courtesy in UK primary schools in 1889, was issued to Queensland primary schools until the 1960s.</p> <p>It tells kids to remember the golden rule to “always do to others as you would wish them to do to you if you were in their place.”</p> <p>Good manners form part of the bedrock for human sociality. Childhood is when we give kids foundational training on interacting with others and help them learn how to be a culturally competent member of a society.<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/237133/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /></p> <p><em><a href="https://theconversation.com/profiles/sophia-waters-501831">Sophia Waters</a>, Senior Lecturer in Writing, <a href="https://theconversation.com/institutions/university-of-new-england-919">University of New England</a></em></p> <p><em>Image 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/how-do-children-learn-good-manners-237133">original article</a>.</em></p>

Family & Pets

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Hugh Grant finally reveals his children's names

<p>Hugh Grant has revealed the names of his two youngest daughters for the first time in a candid interview moment. </p> <p>The English actor and father-of-five has never announced the names of two of his children or the gender of his youngest offspring.</p> <p>Now, during an interview with talk show host Jimmy Kimmel, the 64-year-old finally shared that his youngest child was a girl and shared her name with viewers.</p> <p>During a conversation about his own unusual middle name, Mungo, he said, "I was in a bit of a panic with my wife on the day we named [our daughter]."</p> <p>Sharing the hilarious inspiration behind the name, he said, "We thought it might be nice for her when she was older if she could say in bars that her middle name is Danger. So, her name is Lulu Danger Grant. Austin Powers, you know?"</p> <p>Hugh, who also has a son named John Mungo, went on to reveal that his youngest isn't the only child in the family with a fun name. </p> <p>He went on to say that he and his wife Anna were stressed when naming their first daughter, and decided to ask their son for advice. </p> <p>"We asked her elder brother when she was on the way, 'there's a new baby coming along, what shall we call her?'", Hugh explained. "And he said 'Kevin', because that was his favourite Minion."</p> <p>"And we did think about calling her Kevin, but then we said, 'you'd better think of something else', and he said 'Blue', because that was his favourite colour."</p> <p>The announcement was out of character for Hugh, who despite being a huge Hollywood name, tends to keep his personal life out of the spotlight.</p> <p><em>Image credits: YouTube</em></p>

Family & Pets

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We know parents shape their children’s reading – but so can aunts, uncles and grandparents, by sharing beloved books

<p><em><a href="https://theconversation.com/profiles/emily-grace-baulch-1399683">Emily Grace Baulch</a>, <a href="https://theconversation.com/institutions/the-university-of-queensland-805">The University of Queensland</a></em></p> <p><a href="https://creative.gov.au/news/media-releases/revealing-reading-a-survey-of-australian-reading-habits/">Over 80%</a> of Australians with children encourage them to read. Children whose parents enjoy reading are <a href="https://www.booktrust.org.uk/news-and-features/news/news-2023/new-research-from-booktrust-reveals-the-impact-of-parental-reading-enjoyment-on-childrens-reading-habits/">20% more likely</a> to enjoy it too.</p> <p>My research has found parents aren’t the only family members who play an important role in developing a passion for reading – extended family, from grandparents to siblings, uncles and great-aunts, also influence readers’ connections to books.</p> <p>I surveyed 160 Australian readers about their home bookshelves and reading habits. More than 80% of them acknowledged the significant influence of family in what and how they read. Reading to children is often <a href="https://www.booktrust.org.uk/globalassets/resources/research/booktrust-family-survey-research-briefing-2-reading-influencers.pdf">the invisible workload of mothers</a>: 95% of mothers read to children, compared to 67% of fathers.</p> <p>Yet intriguingly, those I surveyed – whose ages ranged from their early 20s to their 70s – collectively talked about books being passed down across eight generations.</p> <p>Family members were associated with their most valued books – and their identities as readers.</p> <h2>Treasured possessions</h2> <p>Books passed down through generations often become treasured possessions, embodying a shared family history. One person discussed an old hardcover copy of <a href="https://www.harpercollins.com.au/9780732284350/blinky-bill/">Blinky Bill</a> by Dorothy Wall. Originally given to her father and his siblings by their great-aunt in 1961, the book’s pages are now discoloured and falling out.</p> <p>“Although I always think of my mother as having been my reading role model,” she wrote, “actually my father had an equally big impact, just in another way.” Her father is a central organising figure on her home bookshelf: she has dedicated a whole shelf to the books he liked.</p> <p>The story she tells about his old copy of Blinky Bill, however, crosses generations. The book’s battered state is a testament to its longevity and well-loved status. Its inscription to her family members makes the copy unique and irreplaceable.</p> <p>Another person remembered a set of Dickens’ novels, complete with margin notes and century-old newspaper clippings, carefully stored with her most special books. These volumes, initially owned by her great-great-grandmother and later gifted by her great-aunt, represent a reading bond passed down through generations.</p> <p>Such books can never be replaced, no matter how many copies might be in circulation. These books are closely associated with memories and experiences – they are invaluable for who they represent.</p> <p>A third person has her father’s “old” Anne McCaffrey’s <a href="https://www.goodreads.com/series/40323-dragonriders-of-pern">Dragonriders of Pern</a> series: he read it to her as a teenager, then passed it down. The book “sparked” her interest in science-fiction, and she now intends to pass it on to her own teenager. Her book, too, is “battered”, with “chunks falling out when you read it”. The cover is falling off.</p> <p>The deteriorating state of a book is part of the book’s legacy. It shows how loved it has been. Reading passions can be deliberately cultivated through family, but their value is less connected to reading comprehension or literacy than a sense of connection through sharing.</p> <p>Inherited, much-loved books bind families together. They can anchor absent family members to the present. These books can come to symbolise love, connection and loss.</p> <p>The family members who’ve passed down their books might not be physically present in children’s lives – they may not be reading aloud to them at bedtime – but through their books, they can have a strong presence in their loved ones’ memories. That indelible trace can be sustained into adulthood.</p> <h2>Buying books for the next generation</h2> <p>Another way relatives contribute to a family reading legacy is by buying new copies of much-loved books for the next generation. Theresa Sheen, from The Quick Brown Fox, a specialist children’s bookstore in Brisbane, notes that customers often ask for copies of books they had when they were younger.</p> <p>They may have read them to their children and now want them for their grandchildren. For example, <a href="https://www.goodreads.com/series/40767-the-baby-sitters-club">The Babysitters Club series</a> by Ann M. Martin was mentioned multiple times as a nostalgic favourite, now being sought after by grandparents.</p> <p>Readers’ habits of re-buying favourite books can affect the publishing industry. With older children’s classics still selling, publishers seek to update the text to reflect contemporary cultural mores. Enid Blyton is one author who endures through intergenerational love and nostalgia. However, her work is regularly <a href="https://www.news.com.au/entertainment/books-magazines/books/enid-blytons-famous-five-books-edited-to-remove-offensive-words/news-story/47a63bb79a5d870f19aed58b19469bb5">edited and bowdlerised</a> to update it.</p> <p>Books can be imbued with the voices and emotions of others. They are more than just physical objects – they are vessels of shared experiences that can be passed down, up and across generations. This enduring bond between family members does more than preserve individual stories. It actively shapes and sustains a vibrant reading culture.<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/232372/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /></p> <p><a href="https://theconversation.com/profiles/emily-grace-baulch-1399683"><em>Emily Grace Baulch</em></a><em>, Producer at Ludo Studio &amp; Freelance Editor, <a href="https://theconversation.com/institutions/the-university-of-queensland-805">The University of Queensland</a></em></p> <p><em>Image 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/we-know-parents-shape-their-childrens-reading-but-so-can-aunts-uncles-and-grandparents-by-sharing-beloved-books-232372">original article</a>.</em></p>

Family & Pets

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Mother helps raise over $1 million for her children ahead of her death

<p>A single mother from America has left an enduring financial legacy to her two young children in the weeks before her untimely death. </p> <p>Erika Diarte-Carr, 30, started a <a href="https://www.gofundme.com/f/help-erika-and-her-children-with-funeral-expenses" target="_blank" rel="noopener">GoFundMe</a> page after she was diagnosed with terminal cancer in order to cover costs of her own funeral, as well as providing funds to raise her two kids,  Jeremiah, 7, and Aaliyah, 5.</p> <p>After setting the fundraising goal for $5,000 USD, generous members of her community spread the word of her selfless actions, with the fundraiser now reaching over $1.7 million USD and counting. </p> <p>Titled “Support Erika: A Mother planning her own funeral”, the page has garnered more than 38,000 individual donations.</p> <p>The page reads, “Dear family, friends and to all of those of you who may or may not know know me..."</p> <p>“My name is Erika Diarte-Carr. I am 30 years old and a single mother of two beautiful children. Jeremiah (7) and Aaliyah (5). ❤️ They are my whole life, light and soul. My children are my fight and what keep me going.”</p> <p>The mother then shared the tragic details of her cancer journey, as she recalled being diagnosed with stage 4 terminal cancer in May 2022 after presenting for “normal shoulder surgery”.</p> <p>“By that point, the damage had already been done. In that moment, mine and my kids’ entire lives had changed forever, as well as all of those around us,” she wrote.</p> <p>On top of her cancer diagnosis, Erika was hit with another blow in January 2024 as she was diagnosed with Cushing's Syndrome, which resulted in rapid weight gain, Type 2 diabetes, and further debilitating symptoms the mother claimed had “taken so much away” from her family.</p> <p>The page was updated in mid-September upon advice Ms Diarte-Carr had just three months to live and that treatments would “no longer help”.</p> <p>The mother added to the GoFundMe page how the excess funds would be allocated, writing, “For anyone’s concern, all the funds that have exceeded my funeral costs goal will be now put into a trust fund for my babies that way I can leave behind something for them and I can still ensure they are going to be ok as they grow up."</p> <p>On October 4th, the mother thanked donors and announced she and her family were able to take one final trip together hoping to leave her kids with “memories that’ll last a lifetime”.</p> <p>Just days later, Erika's cousin shared a post to social media to announce that Erika had passed away on October 12th.</p> <p>“It is with a heavy heart that this is the final update I will be giving for my cousin Erika,” she wrote on Facebook.</p> <p>“She fought a long and hard battle. She was strong and held on as long as she could for her babies. I know she was so thankful for all of your support and love and prayers.”</p> <p><em>Image credits: GoFundMe</em></p>

Caring

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Things to remember when booking a group tour

<p dir="ltr">When it comes to travelling abroad, many people opt to take part in a group tour to get the most out of their holiday. </p> <p dir="ltr">However, there are always a few logistics to iron out before you book your trip, because running into issues on a tour can make or break your vacation. </p> <p dir="ltr">Thankfully, travel expert Dilvin Yasa has shared her go to tips for getting the most out of your group tour.</p> <p dir="ltr"><strong>Budget accordingly</strong></p> <p dir="ltr">When planning your group tour, budgeting is one of the most important factors, as these trips are rarely all-inclusive. </p> <p dir="ltr">Dilvin Yasa told <em><a href="https://travel.nine.com.au/latest/things-first-timers-get-wrong-on-group-tours/61fa10d2-ce80-40bb-ab92-9008b3d9296d">9Travel</a></em> it’s important to “read the itinerary carefully before you book and add up all the exclusions until you arrive at your 'real figure'.”</p> <p dir="ltr">Extra costs on a group tour could include lunches, dinners, attractions and additional activities, so make sure you factor these potential costs in. </p> <p dir="ltr"><strong>Know your geography </strong></p> <p dir="ltr">Yasa advised against skipping between different destinations, as strict time constraints could prevent you from partaking in back to back tours. </p> <p dir="ltr">“If the itinerary doesn't list distances or time between destinations, hit up Google Maps to get an idea of how long you're expected to be in transit during each leg of the tour.”</p> <p dir="ltr"><strong>Don’t arrive at the last minute </strong></p> <p dir="ltr">The travel expert said if you’re heading on a group tour, don’t leave it until the day the tour departs to arrive at your destination.</p> <p dir="ltr">“The last thing you want is to miss a connecting flight or hit any other sort of delay that could see you miss the first or two of the tour you've paid for,” Yasa said.</p> <p dir="ltr">“Aim to arrive the day before at the very latest and give yourself a little extra free time at the tail end as well - just in case.”</p> <p dir="ltr"><strong>Keep some cash on hand </strong></p> <p dir="ltr">While most of your tour should already be paid for before you depart, you should always be prepared for extra expenses. </p> <p dir="ltr">Especially when travelling to more remote locations, or if you’re visiting smaller food vendors or markets, you shouldn’t assume everywhere will take card payments. </p> <p dir="ltr">Yasa said, “Make sure you have local currency on you at all times and you're good to go.”</p> <p dir="ltr"><em>Image credits: Shutterstock</em></p>

Travel Tips

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Readers response: What’s your favourite travel memory with your children?

<p>One of the best parts about travelling is having your kids, or even grandkids, in tow to experience a unique holiday together. </p> <p>We asked our reader what their favourite travel memory they're shared with their children is and the response was overwhelming. Here's what they said. </p> <p><strong>Lynne Fairbrother</strong> - All the camping trips we made when they were kids, great family fun.</p> <p><strong>Karen Ambrose</strong> - A long boat trip on the canals in England…. fabulous.</p> <p><strong>Christine Whyte</strong> - Lovely family holidays where I holidayed with my parents, aunties, uncles, and cousins every year for over 18 years. Great summers of beach and fishing and fun times.</p> <p><strong>Suzie Justinic</strong> - Many overseas trips we had as a family to see family in other countries.</p> <p><strong>Cathrine Stanton Hillier</strong> - Sleeping in the back window ledge of the car. Mum made a small sleeping bag for me.</p> <p><strong>Margie Buckingham</strong> - Every year, one holiday was an ‘away holiday’ while the other 3 were spent at nanny’s beach house, which were just the best! </p> <p>Touring Tassie on the Spirit was a great holiday. So was the Gold Coast doing the Theme Parks. But I think the best was driving to Sydney for the Olympics 2000.</p> <p><strong>Barbara Holmes</strong> - The great holidays staying at Cairns Colonial Resort in the 80’s! </p> <p><strong>Jill Harker</strong> - Emigrating from the UK to Australia on the ship in 1970 when the boys were about 7 and 8!</p> <p><em>Image credits: Shutterstock </em></p>

Travel Tips

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Readers response: What is the best piece of advice you've passed down to your children?

<p>if there's one thing you can count on your parents or grandparents for, it's to hand down valuable advice that will work its way through generations. </p> <p>This advice could be simple everyday words of wisdom, or more life-altering affirmations. </p> <p>We asked our reader what is the best piece of advice they have passed down to their children and grandchildren, and the response was overwhelming. Here's what you said. </p> <p><span dir="auto"><strong>Margaret Barnes</strong> - Treat other people as you would like them to treat yourself.</span></p> <p><span dir="auto"><span dir="auto"><strong>Kate Stephens</strong> - Listen to your mother.</span></span></p> <p><span dir="auto"><span dir="auto"><span dir="auto"><strong>Keryn Bache</strong> - I recently advised my 22 year old granddaughter that if you have nothing nice to say, then say nothing at all. </span></span></span></p> <p><span dir="auto"><span dir="auto"><span dir="auto"><span dir="auto"><strong>Linda Kauffman</strong> - Be careful in relationships.</span></span></span></span></p> <p><span dir="auto"><span dir="auto"><span dir="auto"><span dir="auto"><span dir="auto"><strong>Janice Evans</strong> - Live within your means.</span></span></span></span></span></p> <p><span dir="auto"><span dir="auto"><span dir="auto"><span dir="auto"><span dir="auto"><span dir="auto"><strong>Norell Standley</strong> - Learn self defence to protect yourselves.</span></span></span></span></span></span></p> <p><span dir="auto"><span dir="auto"><span dir="auto"><span dir="auto"><span dir="auto"><span dir="auto"><span dir="auto"><strong>Les Thornborough</strong> - Look after your parents in their old age.</span></span></span></span></span></span></span></p> <p><span dir="auto"><span dir="auto"><span dir="auto"><span dir="auto"><span dir="auto"><span dir="auto"><span dir="auto"><span dir="auto"><strong>Linda Kauffman </strong>- Thinking before acting.</span></span></span></span></span></span></span></span></p> <p><span dir="auto"><span dir="auto"><span dir="auto"><span dir="auto"><span dir="auto"><span dir="auto"><span dir="auto"><span dir="auto"><span dir="auto"><strong>Liz N Jeff Busky</strong> - Don't try drugs, you may just like them.</span></span></span></span></span></span></span></span></span></p> <p><span dir="auto"><span dir="auto"><span dir="auto"><span dir="auto"><span dir="auto"><span dir="auto"><span dir="auto"><span dir="auto"><span dir="auto"><strong>Rick Dayes</strong> - Mind your own business.</span></span></span></span></span></span></span></span></span></p> <p><span dir="auto"><span dir="auto"><span dir="auto"><span dir="auto"><span dir="auto"><span dir="auto"><span dir="auto"><span dir="auto"><span dir="auto"><span dir="auto"><strong>Margie Buckingham</strong> - Live respectfully.</span></span></span></span></span></span></span></span></span></span></p> <p><span dir="auto"><span dir="auto"><span dir="auto"><span dir="auto"><span dir="auto"><span dir="auto"><span dir="auto"><span dir="auto"><span dir="auto"><span dir="auto"><span dir="auto"><strong>Marian Arakiel </strong>- Get a job, get up, dress up and show up.</span></span></span></span></span></span></span></span></span></span></span></p> <p><em><span dir="auto"><span dir="auto"><span dir="auto"><span dir="auto"><span dir="auto"><span dir="auto"><span dir="auto"><span dir="auto"><span dir="auto"><span dir="auto"><span dir="auto">Image credits: Shutterstock </span></span></span></span></span></span></span></span></span></span></span></em></p>

Family & Pets

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TV star charged over making indecent images of children

<p>Former BBC presenter Huw Edwards has been charged with making indecent images of children. </p> <p>The 62-year-old, who left the UK public broadcaster in April after 40 years, faces three charges over alleged activity between December 2020 and April 2022.</p> <p>Police claim the offences are claimed to be linked to images shared on WhatsApp.</p> <p>After being arrested in November last year by London's Metropolitan Police, he was charged with the offences on June 26th.</p> <p>A Metropolitan Police spokesman said of the arrest, “Huw Edwards, 62, of Southwark, London has been charged with three counts of making indecent images of children following a Met Police investigation."</p> <p>“The offences, which are alleged to have taken place between December 2020 and April 2022, relate to images shared on a WhatsApp chat. Edwards was arrested on 8 November 2023. He was charged on Wednesday, 26 June following authorisation from the Crown Prosecution Service."</p> <p>“He has been bailed to appear at Westminster Magistrates’ Court on Wednesday 31 July."</p> <p>Married dad-of-five Edwards resigned from the BBC three months ago after a stellar career spanning almost 40 years.</p> <p>The BBC revealed their star presenter’s resignation in a short statement on April 22nd, writing, “Huw Edwards has resigned and left the BBC."</p> <p>“After 40 years of service, Huw explained that his decision was made on the basis of advice. The BBC has accepted his resignation.”</p> <p><em>Image credits: BBC</em></p>

Legal

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So when should you book that flight? The truth on airline prices

<p><em><a href="https://theconversation.com/profiles/yuriy-gorodnichenko-144556">Yuriy Gorodnichenko</a>, <a href="https://theconversation.com/institutions/university-of-california-berkeley-754">University of California, Berkeley</a> and <a href="https://theconversation.com/profiles/volodymyr-bilotkach-145437">Volodymyr Bilotkach</a>, <a href="https://theconversation.com/institutions/newcastle-university-906"><em>Newcastle University</em></a></em></p> <p>How airlines price tickets is a source of many <a href="http://airtravel.about.com/od/travelindustrynews/a/mythticket.htm">myths</a> and urban legends. These include tips about the best day of the week to buy a ticket, last-minute discounts offered by the airlines, and the conspiracy theories suggesting that the carriers use cookies to increase prices for their passengers. None of these three statements is entirely true.</p> <p>Studies have suggested that prices can be higher or lower on a given day of the week – yet, there is no clear consensus on which day that is. Offered prices can in fact drop at any time before the flight, yet they are much more likely to increase than decrease over the last several weeks before the flight’s departure. Further, the airlines prefer to wait for the last-minute business traveler who’s likely to pay full fare rather than sell the seat prematurely to a price conscious traveler. And no, the airlines do not use cookies to manipulate fare quotes – adjusting their inventory for specific customers appears to be beyond their technical capabilities.</p> <p>What is true about pricing in the airline industry is that carriers use complex and sophisticated pricing systems. The airline’s per passenger cost is the lowest when the flight is full, so carriers have incentive to sell as many seats as possible. This is a race against time for an airline and, of course, no company wants to discount its product more than it has to. Hence, the airlines face two somewhat contradictory goals: to maximize revenue by flying full planes and to sell as many full-fare seats as possible. This a process known in the industry as yield or revenue management.</p> <h2>Airlines and their bucket lists</h2> <p>Here is how <a href="http://commons.erau.edu/cgi/viewcontent.cgi?article=1522&amp;context=jaaer">yield management</a> works. For each flight or route (if we are talking about multi-segment itineraries), the airline has a set of available price levels – from the most expensive fully refundable fare to the cheapest deeply discounted non-refundable price. The industry jargon for these prices is “buckets.” Then, seats can be interpreted as balls that are allocated among these buckets.</p> <p>Initial allocation of seats between the price buckets is determined by historical data indicating how well a certain flight sells. For example, fewer deeply discounted seats will be offered on a flight on Thanksgiving week than on the same flight during the third week of February. As the seats on a flight sell, yield managers monitor and adjust the seat allocation. If, for instance, the sales are slower than expected, some of the seats might be moved to lower-priced buckets – this shows up as a price drop. As noted above, such price drops can occur at any time before the flight. However, the general trend of price quotes is upward starting from about two to three weeks before the flight departure date.</p> <p>Of course, an average traveler wants to know when he or she should buy the tickets for the next trip. Another important question is where to buy this ticket. Airlines distribute their inventory on their own websites and on several computer distribution systems, meaning that prices can sometimes differ depending on where one looks. We are not entirely sure what precipitates this phenomenon – likely explanations include differences in contracts between the airlines and the distribution systems/travel agents, implying that different travel agents may not have access to the airline’s entire inventory of available prices.</p> <h2>When to book</h2> <p>The airlines’ yield managers start looking at flight bookings about two months before the departure date. This implies that it generally does not pay to book more than two months in advance: studies show that initially the airlines leave the cheapest price buckets empty, and yield managers may move some seats into those buckets if a couple of months before the departure date the flight is emptier than expected. Between two months and about two to three weeks before the flight date, the fare quotes remain mostly flat, with a slight upward trend. However, and perhaps paradoxically, there is a good chance of a price drop during this period. We tend to monitor prices for several days – sometimes up to a week – hoping for a potentially lower quote. It does not always pay off, but sometimes we do manage to save a considerable amount of money.</p> <p>Two to three weeks before the flight date, the price quotes start increasing. This is the time when business travelers start booking. While price drops are still possible, a chance of a price increase is much higher if you wait to book within this time period. This is also the time when one can find significant differences between price quotes, depending on where one looks and what contract they have with the airlines.</p> <p>Thus, if we book a trip earlier than three weeks before the flight date, we tend not to delay the purchase. At the same time, we check quotes from multiple travel agents, or go directly to a site that allows for a quick comparison of prices (such as <a href="https://www.kayak.com">kayak.com</a> or <a href="http://www.skyscanner.net">skyscanner.net</a>). Or check the airline itself.</p> <p>As for answering the original question we posed, here are some simple tips. First, if you have to travel during a peak period, such as Thanksgiving week, it is generally best not to delay buying that ticket. Otherwise, it might pay to monitor the offered prices for some time before committing. The best strategy for booking within the last couple of weeks before the flight, however, is not to delay the purchase, but to try getting quotes from several agents, which is easy to do in the internet age.<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/34033/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /></p> <p><a href="https://theconversation.com/profiles/yuriy-gorodnichenko-144556"><em>Yuriy Gorodnichenko</em></a><em>, Associate Professor of Economics, <a href="https://theconversation.com/institutions/university-of-california-berkeley-754">University of California, Berkeley</a> and <a href="https://theconversation.com/profiles/volodymyr-bilotkach-145437">Volodymyr Bilotkach</a>, Senior Lecturer in Economics, <a href="https://theconversation.com/institutions/newcastle-university-906">Newcastle University</a></em></p> <p><em>Image 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/so-when-should-you-book-that-flight-the-truth-on-airline-prices-34033">original article</a>.</em></p>

Travel Tips

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Man arrested after BBC presenter's wife and children murdered

<p>British police have apprehended the man they believe is responsible for a brutal crossbow attack on the wife and two children of a well-known BBC radio presenter. </p> <p>In a statement released on Wednesday afternoon (early Thursday AEST), Hertfordshire Police said 26-year-old Kyle Clifford had been located in the Enfield area of north London and that he was receiving medical treatment for injuries.</p> <p>The BBC confirmed that the women killed were the family of its well-known radio racing commentator John Hunt — his 61-year-old wife Carol Hunt and their daughters Louise and Hannah, aged 25 and 28 respectively.</p> <p>Their tragic death prompted a major manhunt for the 26-year-old, as the public were urged not to approach Clifford.</p> <p>"Following extensive inquiries, the suspect has been located and nobody else is being sought in connection with the investigation at this time," Detective Inspector Justine Jenkins from the Bedfordshire, Cambridgeshire and Hertfordshire major crime unit said.</p> <p>"This continues to be an incredibly difficult time for the victims' family and we would ask that their privacy is respected as they come to terms with what has happened."</p> <p>A colleague of Hunt's and BBC 5 Live's lead presenter Mark Chapman struggled to hold back the tears as he expressed everyone's shock and pain.</p> <p>"We have a football match to bring you tonight ... and we will start our buildup to it shortly but this has been a heartbreaking day," he said as he opened Wednesday's coverage on 5 Live of England's semifinal match against The Netherlands in soccer's European Championship.</p> <p>"John Hunt is our colleague and our friend, not just to the current 5 Live sport team but to all of those who've worked here with him over the past 20 years, and also to all of you who have enjoyed his superb commentaries," Chapman said. "So on behalf of everyone connected to 5 Live Sport, our love and thoughts and support are with John and his family."</p> <p>Police were first alerted to the violent killings on Tuesday evening when emergency services were called to a house in Bushey, a residential area in north-western London.</p> <p>Paramedics tried to revive the women, but they died at the scene. </p> <p>While police have yet to establish a link between the suspect and the family, some British media outlets have claimed Clifford, who served in the British Army between 2019 and 2022, was an ex-boyfriend of one of the daughters.</p> <p><em>Image credits: Peter Manning/LNP/Shutterstock Editorial/Hertfordshire Police</em></p>

Legal

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What you need to know about protecting your children’s inheritance

<p>For many people, ensuring that their children’s inheritance is protected is of paramount importance to them. There are a number of strategies that you can put in place to achieve this objective, you just need to determine which one bests suits you and your family’s circumstances.</p> <p><strong>Put a Will in place</strong></p> <p>By putting a Will in place, you get to decide who your assets go to, allowing you to make provision in your Will for them to pass to your children upon your death. If you do not have a Will in place then it is up to the government where your assets get paid and this may mean that your assets do not pass to your children, or do not pass to them in the manner that you desire. Play it safe and ensure things go the way you want them by taking the time to put a Will in place.</p> <p><strong>Testamentary trust </strong></p> <p>Let me introduce you to Testamentary Trusts.  These amazing vehicles allow you to transfer your wealth to your children in the most asset protective and tax effective way possible. With an increasing number of marriages crumbling and divorce rates soaring, the last thing you want is your hard earned wealth passing to your child’s estranged partner in the event of one of your child’s marriage breakdown. By making provision in your Will leaving your children’s inheritance in a Testamentary Trust it protects their inheritance from any divorce or family law risks if your child’s relationship breaks down.</p> <p>Additionally, you may have a child who works in a high-risk occupation – a doctor, financial advisor or perhaps carrying on the role of a director. Alternatively, your child may be an entrepreneur, taking risks in their own business operations.  </p> <p>If something adverse happened to your child whilst they were undertaking these roles and they were sued, they could be personally liable for them for any actions brought upon them by the aggrieved party.</p> <p>Creditors and other associated parties could only seek recourse to moneys owed by your child from them in their own personal capacity. If your child had received their inheritance in their own name, and hence the assets were now individual assets, the creditors and other associated parties would have recourse in recovering funds owed to them by your child.</p> <p>However, if your child’s inheritance was paid to a Testamentary Trust for their benefit at the time of your death then these assets would be held on trust for them and are not personal assets, hence the creditors and other associated parties would not have recourse in respect to these assets.</p> <p><strong>Blended marriages</strong></p> <p>If you have children from a previous marriage, it’s imperative that you obtain the appropriate legal advice  in respect to how to protect your assets for your children. There are a number of options that you can put in place including a Binding Financial Agreement and a Mutual Wills Agreement. </p> <p>There are also strategies that you can put in place which ensure that your assets pass to your children upon your death. Options are also available where you may wish for your partner to receive some benefit of some of your assets during your lifetime with all assets passing to your children upon your partner’s death.</p> <p><strong>Choose the right executor </strong></p> <p>If you have young children, it will be your executor who looks after your children’s inheritance until your children reach the age that you have stipulated in your Will that you would like them to receive your assets.</p> <p>It is therefore imperative that you have the best person possible to undertake this role as you are effectively giving them the keys to everything that you own and control. That’s big. You need to appoint someone that you trust implicitly to undertake this role. You need to appoint your most trusted ally. </p> <p>Your executor also needs to be financial savvy or receptive to obtaining the appropriate financial advice to enable them to look after and grow your children’s inheritance.</p> <p>It is important that you seek the appropriate advice so that you can put the best strategies in place that protect your children’s inheritance in the best manner possible. There are a number of ways that you can protect your children’s inheritance, you just need to find the best one that works for you and your children.</p> <p><strong><em>Melisa Sloan, author of Big Moments, expert advice for conquering those moments that define us, is a lawyer, industry leader, author and board director who loves helping people put in place beautiful legacies. For more information visit www.melisasloan.com.au</em></strong></p> <p><em>Image credits: Shutterstock </em></p>

Money & Banking

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I’ve been diagnosed with cancer. How do I tell my children?

<p><em><a href="https://theconversation.com/profiles/cassy-dittman-1380541">Cassy Dittman</a>, <a href="https://theconversation.com/institutions/cquniversity-australia-2140">CQUniversity Australia</a>; <a href="https://theconversation.com/profiles/govind-krishnamoorthy-1467986">Govind Krishnamoorthy</a>, <a href="https://theconversation.com/institutions/university-of-southern-queensland-1069">University of Southern Queensland</a>, and <a href="https://theconversation.com/profiles/marg-rogers-867368">Marg Rogers</a>, <a href="https://theconversation.com/institutions/university-of-new-england-919">University of New England</a></em></p> <p>With around <a href="https://www.abs.gov.au/statistics/health/health-conditions-and-risks/cancer/2022">one in 50 adults</a> diagnosed with cancer each year, many people are faced with the difficult task of sharing the news of their diagnosis with their loved ones. Parents with cancer may be most <a href="https://www.sciencedirect.com/science/article/pii/S1462388914000994">worried about</a> telling their children.</p> <p>It’s best to give children factual and age-appropriate information, so children don’t create their own explanations or <a href="https://www.thelancet.com/journals/lancet/article/PIIS0140-6736(18)33202-1/fulltext">blame themselves</a>. Over time, supportive family relationships and open communication <a href="https://link.springer.com/article/10.1007/s00520-016-3214-2">help children adjust</a> to their parent’s diagnosis and treatment.</p> <p>It’s natural to feel you don’t have the <a href="https://onlinelibrary.wiley.com/doi/10.1111/ecc.12018">skills or knowledge</a> to talk with your children about cancer. But preparing for the conversation can improve your confidence.</p> <h2>Preparing for the conversation</h2> <p>Choose a suitable time and location in a place where your children feel comfortable. Turn off distractions such as screens and phones.</p> <p>For teenagers, who can find face-to-face conversations confronting, think about talking while you are going for a walk.</p> <p>Consider if you will tell all children at once or separately. Will you be the only adult present, or will having another adult close to your child be helpful? Another adult might give your children a person they can talk to later, especially to answer questions they might be worried about asking you.</p> <p>Finally, plan what to do after the conversation, like doing an activity with them that they enjoy. Older children and teenagers might want some time alone to digest the news, but you can suggest things you know they like to do to relax.</p> <p>Also consider what you might need to support yourself.</p> <h2>Preparing the words</h2> <p>Parents might be worried about the <a href="https://www.bmj.com/content/321/7259/479.full.pdf+html">best words or language</a> to use to make sure the explanations are at a level their child understands. Make a plan for what you will say and take notes to stay on track.</p> <p>The toughest part is likely to be saying to your children that you have cancer. It can help to practise saying those words out aloud.</p> <p>Ask family and friends for their feedback on what you want to say. <a href="https://www.cancer.org.au/cancer-information/types-of-cancer/childhood-cancers/talking-to-kids-about-cancer">Make use of guides</a> by the Cancer Council, which provide age-appropriate wording for explaining medical terms like “cancer”, “chemotherapy” and “tumour”.</p> <h2>Having the conversation</h2> <p>Being open, honest and factual is important. Consider the balance between being too vague, and providing too much information. The <a href="https://www.sciencedirect.com/science/article/pii/S1462388914000994">amount and type</a> of information you give will be based on their age and previous experiences with illness.</p> <p>Remember, if things don’t go as planned, you can always try again later.</p> <p>Start by telling your children the news in a few short sentences, describing what you know about the diagnosis in language suitable for their age. Generally, this information will include the name of the cancer, the area of the body affected and what will be involved in treatment.</p> <p>Let them know what to expect in the coming weeks and months. Balance hope with reality. For example:</p> <blockquote> <p>The doctors will do everything they can to help me get well. But, it is going to be a long road and the treatments will make me quite sick.</p> </blockquote> <p>Check what your child knows about cancer. Young children may not know much about cancer, while primary school-aged children are starting to understand that it is a <a href="https://journals.sagepub.com/doi/epdf/10.1177/0165025408093663">serious illness</a>. Young children may worry about becoming unwell themselves, or other loved ones becoming sick.</p> <p>Older children and teenagers may have experiences with cancer through other family members, friends at school or social media.</p> <p>This process allows you to correct any misconceptions and provides opportunities for them to ask questions. Regardless of their level of knowledge, it is important to reassure them that the cancer is not their fault.</p> <p>Ask them if there is anything they want to know or say. Talk to them about what will stay the same as well as what may change. For example:</p> <blockquote> <p>You can still do gymnastics, but sometimes Kate’s mum will have to pick you up if I am having treatment.</p> </blockquote> <p>If you can’t answer their questions, be OK with saying “I’m not sure”, or “I will try to find out”.</p> <p>Finally, tell children you love them and offer them comfort.</p> <h2>How might they respond?</h2> <p>Be prepared for a range of <a href="https://link.springer.com/article/10.1007/s00520-016-3214-2">different responses</a>. Some might be distressed and cry, others might be angry, and some might not seem upset at all. This might be due to shock, or a sign they need time to process the news. It also might mean they are trying to be brave because they don’t want to upset you.</p> <p>Children’s reactions will change over time as they come to terms with the news and process the information. They might seem like they are happy and coping well, then be teary and clingy, or angry and irritable.</p> <p>Older children and teenagers may ask if they can tell their friends and family about what is happening. It may be useful to come together as a family to discuss how to inform friends and family.</p> <h2>What’s next?</h2> <p>Consider the conversation the first of many ongoing discussions. Let children know they can talk to you and ask questions.</p> <p>Resources might also help; for example, The Cancer Council’s <a href="https://www.campquality.org.au/kids-guide-to-cancer/">app for children and teenagers</a> and Redkite’s <a href="https://www.redkite.org.au/service/book-club/">library of free books</a> for families affected by cancer.</p> <p>If you or other adults involved in the children’s lives are concerned about how they are coping, speak to your GP or treating specialist about options for psychological support.<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/228012/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /></p> <p><em><a href="https://theconversation.com/profiles/cassy-dittman-1380541">Cassy Dittman</a>, Senior Lecturer/Head of Course (Undergraduate Psychology), Research Fellow, Manna Institute, <a href="https://theconversation.com/institutions/cquniversity-australia-2140">CQUniversity Australia</a>; <a href="https://theconversation.com/profiles/govind-krishnamoorthy-1467986">Govind Krishnamoorthy</a>, Senior Lecturer, School of Psychology and Wellbeing, Post Doctoral Fellow, Manna Institute, <a href="https://theconversation.com/institutions/university-of-southern-queensland-1069">University of Southern Queensland</a>, and <a href="https://theconversation.com/profiles/marg-rogers-867368">Marg Rogers</a>, Senior Lecturer, Early Childhood Education; Post Doctoral Fellow, Manna Institute, <a href="https://theconversation.com/institutions/university-of-new-england-919">University of New England</a></em></p> <p><em>Image 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/ive-been-diagnosed-with-cancer-how-do-i-tell-my-children-228012">original article</a>.</em></p>

Family & Pets

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Man books 58 flights for free

<p dir="ltr">A Jetstar passenger has become locked in a legal battle with the Aussie airline after exploiting a promotion to get 58 flights for free. </p> <p dir="ltr">Lawyer Tyrone Barugh was one of many travellers who made use of Jetstar’s promotion that offered people a free return fare.</p> <p dir="ltr">Barugh booked a flight from Auckland to Sydney for $260 and received the free return, although he soon cancelled the outbound flight and was given credit with the airline. </p> <p dir="ltr">However, he did not cancel the return trip. </p> <p dir="ltr">Mr Barugh then used the credit to book another flight, before doing the same thing a further 57 times.</p> <p dir="ltr">The would-be passenger told <em>n</em><a href="https://www.news.com.au/finance/business/travel/man-locked-in-tribunal-battle-with-jetstar-after-booking-58-free-flights/news-story/1e3f67324c952ce232f3a583575d7ddc"><em>ews.com.au</em></a> that he had not planned to board any of the flights, and has taken Jetstar to the Disputes Tribunal of New Zealand, claiming he is entitled to approximately $4,500 in taxes owed on the flights.</p> <p dir="ltr">“They’re [Jetstar] not out here with the most saintly of intentions,” he said. </p> <p dir="ltr">“They have terms and conditions that are designed to potentially avoid having to do the right thing by a lot of their customers and limit their liability to their customers, and they’re pretty happy to pull those out when it suits them.”</p> <p dir="ltr">He claims he is owed the money as he has paid the Passenger Movement Charge,  which is a $60 fee the Australian Government collects when a person leaves the country. </p> <p dir="ltr">Mr Barugh says he would accept a settlement of a “small flight credit and a toy plane”.</p> <p dir="ltr">“There is a spirit of larrikinism,” he said.</p> <p dir="ltr">A spokesman for Jetstar declined to comment on the case, saying, “As this is a matter before the Tribunal, we won’t be making any comment.” </p> <p dir="ltr"><em>Image credits: Shutterstock</em></p>

Travel Trouble

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10 questions you must ask before booking a tour

<p>A tour can be a memorable experience, for the right and wrong reasons. Here are 10 questions you must ask yourself before booking one on your next holiday.</p> <p><strong>1. Are there minimum or maximum group sizes?</strong></p> <p>This applies for two reasons. Firstly, you need to decide how many people you’d like to travel with. Small group tours will have no more than a dozen or so while larger tours could be up to 50. The size will drastically impact your tour experience, affecting everything from the mode of transport to the type of meals. Secondly, you need to know if there’s a minimum group size needed for the tour to run. If you’re the only one who books you may find it cancelled.</p> <p><strong>2. What is your cancellation/refund policy?</strong></p> <p>As a rule of thumb, you should ask this question about any kind of travel you book before you hand over your cash. With a tour, make sure you find out their policies around inclement weather, too few passengers or if you need to cancel. And as always, travel insurance is your best friend.</p> <p><strong>3. Are you available for support throughout?</strong></p> <p>One of the good things about travelling with a tour is that you’ll have the services of at least one guide. It’s also good to know if the tour office itself is available for assistance when you’re on the road. This comes in handy if you have to make changes, get sick or are unhappy with the experience.</p> <p><strong>4. Do you have any reviews I can read?</strong></p> <p>If you can’t find the tour company on TripAdvisor or a similar review site, ask the company if they have any testimonials from previous customers. Before you make your final decision, it’s nice to know what other people have said about the tour and its style.</p> <p><strong>5. What experience/qualifications do the guides have?</strong></p> <p>Many tour companies now pride themselves on using locals or people who have lived in a country for many years to guide tours. You don’t want to be stuck with someone who just reads from a guidebook – you can do that yourself for half the price. Find out what they know before you go.</p> <p><strong>6. How active is it?</strong></p> <p>There is a huge spectrum when it comes to tours, ranging from coach journeys with very little walking to active treks where you cover hard ground every day. Make sure you find out exactly what will be involved and if that suits your abilities and fitness level. And be realistic – you and the tour group will suffer otherwise.</p> <p><strong>7. What is the demographic?</strong></p> <p>You don’t want to get stuck on a tour with a bunch of 25 year olds who are just looking for the pub. Most people prefer to travel with people around their own age and in similar demographics (such as solo travellers, seniors, families etc), so make sure you find out who is likely to be in your group before you book.</p> <p><strong>8. Is everything included or will I have to pay for extras?</strong></p> <p>You should be able to get a detailed break down of exactly what is – and what isn’t – included in the price. What looked like a good deal can quickly become very expensive if you have to pay for day excursions, admission fees, alcohol or other surprises.</p> <p><strong>9. How much time do you spend in each place?</strong></p> <p>Are you looking to tick many famous sites off your list or do you want to have the time to immerse yourself in a destination? When you’re looking at an itinerary, ask questions about how long you will actually be spending at each place to ensure that you get enough time to really enjoy it.</p> <p><strong>10. Will I get any free time on my own?</strong></p> <p>After many days as part of a group, it’s nice to have some time on your own. You can explore sites that aren’t on your itinerary, try a new restaurant or just have a well deserved nap. Find out how rigid the schedules are and if there will be some time to do your own thing.</p> <p><em>Image credits: Shutterstock</em></p>

Travel Tips

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Rebel Wilson exposes A-lister who "threatened" her over book release

<p>Rebel Wilson has slammed a Hollywood A-lister for allegedly threatening her over the release of her new memoir. </p> <p>The Aussie actress is set to release her autobiography <em>Rebel Rising</em> on April 2nd, which details her rise to stardom from Australia to the US. </p> <p>In the book, she has dedicated a chapter to one particular actor who she had an unfortunate experience with on the set of a movie in 2014. </p> <p>Now, Rebel claims Sacha Baron-Cohen, husband of Aussie actress Isla Fisher, has "threatened" her about the release of such information in the upcoming book. </p> <p>Taking to her Instagram, Rebel named and shamed the actor, writing, “I will not be bullied or silenced with high priced lawyer or PR crisis managers. The ‘a**hole’ that I am talking about in ONE CHAPTER of my book is Sacha Baron Cohen.”</p> <p>"Now the a**hole is trying to threaten me. He’s trying to stop press coming out about my new book. But the book WILL come out and you will all know the truth.”</p> <p>Sacha Baron-Cohen was quick to release a statement in response to the allegations, with his representative sharing the statement with <a href="https://www.tmz.com/2024/03/25/rebel-wilson-calls-out-sacha-baron-cohen-book-memoir/" target="_blank" rel="noopener"><em>TMZ</em></a>. </p> <p>“While we appreciate the importance of speaking out, these demonstrably false claims are directly contradicted by extensive detailed evidence, including contemporaneous documents, film footage, and eyewitness accounts from those present before, during and after the production of The Brothers Grimsby,” the statement said. </p> <p>Wilson and Baron-Cohen worked on the comedy film <em>The Brothers Grimsby</em> in 2014, where Rebel alleges that Baron-Cohen acted sexually inappropriate towards her for the duration of the shoot. </p> <p><em>Image credits: Getty Images</em></p>

Legal

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All My Children star dies at age 50

<p>Soap opera actor and fitness model Alec Musser has died at the age of 50.</p> <p>The <em>All My Children</em> star tragically died at his home in California on Friday evening, with his fiancé Paige Press confirming the news to <a href="https://www.tmz.com/2024/01/13/alec-musser-model-actor-all-my-children-dead-dies/" target="_blank" rel="noopener"><em>TMZ</em></a>. </p> <p>“RIP to the love of my life,” Press wrote on Instagram. “I will never stop loving you. My heart is broken.”</p> <p>“Today is the worst day of my life. We were so happy … You were the best fiancé I could of ever asked for.”</p> <p>In another heartbreaking post to her Instagram stories, Press shared a photo of herself wearing her engagement ring and vowed: “I am never taking off my ring.”</p> <p>Other family members further confirmed the news of Musser's passing to <em>TMZ</em>, with his cause of death not yet revealed. </p> <p>Alec Musser starred in All My Children from 2005 to 2007, appearing in a total of 43 episodes. </p> <p>He landed the role on the long-running soap after he won the second season of the SOAPnet original series <em>I Wanna Be a Soap Star.</em></p> <p>After his stint on the show, he went on to feature in other TV series including <em>Grown Ups</em>, <em>Rita Rocks</em>, <em>Desperate Housewives</em> and <em>Road to the Altar</em>.</p> <p>The New York native was also a fitness model and bodybuilder who appeared on the cover of several magazines like <em>Men’s Health</em>, <em>Men’s Workout</em>, <em>Exercise Health</em> and more.</p> <p>After hearing the news of his death, many of Musser’s fans took to the comment section of his last post and shared their condolences.</p> <p>“I’m in shock brother. You were a dear friend and will always be remembered," one fan wrote. </p> <p>Celebrity friend Adam Sandler also shared a tribute to Musser, writing on Instagram, "I loved this guy. Cannot believe he is gone. Such a wonderful, funny good man. Thinking of Alec Musser and his family and sending all my love. A true great sweetheart of a person."</p> <p><em>Image credits: Getty Images</em></p>

Caring

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Who wrote the Bible?

<p><em><a href="https://theconversation.com/profiles/philip-c-almond-176214">Philip C. Almond</a>, <a href="https://theconversation.com/institutions/the-university-of-queensland-805">The University of Queensland</a></em></p> <p>The Bible tells an overall story about the history of the world: creation, fall, redemption and God’s Last Judgement of the living and the dead.</p> <p>The Old Testament (which dates to 300 BCE) begins with the creation of the world and of Adam and Eve, their disobedience to God and their expulsion from the garden of Eden.</p> <p>The New Testament recounts the redemption of humanity brought about by the life, death and resurrection of Jesus. It finishes in the book of Revelation, with the end of history and God’s Last Judgement.</p> <p>During the first 400 years of Christianity, the church took its time deciding on the New Testament. Finally, in 367 CE, authorities confirmed the 27 books that make it up.</p> <p>But who wrote the Bible?</p> <p>Broadly, there are four different theories.</p> <h2>1. God wrote the Bible</h2> <p>All Christians agree the Bible is authoritative. Many see it as the divinely revealed word of God. But there are significant disagreements about what this means.</p> <p>At its most extreme, this is taken to mean the words themselves are divinely inspired – God dictated the Bible to its writers, who were merely God’s musicians playing a divine composition.</p> <p>As early as the second century, the <a href="https://archive.org/details/fathersofchurch0000unse/page/382/mode/2up">Christian philosopher Justin Martyr saw it</a> as only necessary for holy men "to submit their purified persons to the direction of the Holy Spirit, so that this divine plectrum from Heaven, as it were, by using them as a harp or lyre, might reveal to us divine and celestial truths."</p> <p>In other words, God dictated the words to the Biblical secretaries, who wrote everything down exactly.</p> <p>This view continued with the medieval Catholic church. Catholic theologian Thomas Aquinas put it simply in the 13th century: “the author of Holy Writ is God”. He <a href="https://www.ccel.org/ccel/aquinas/summa.FP_Q1_A10.html">qualified this</a> by saying each word in Holy Writ could have several senses – in other words, it could be variously interpreted.</p> <p>The religious reform movement known as Protestantism swept through Europe in the 1500s. <a href="https://www.britannica.com/event/Reformation">A new group of churches formed</a> alongside the existing Catholic and <a href="https://www.britannica.com/topic/Eastern-Orthodoxy">Eastern Orthodox</a> traditions of Christianity.</p> <p>Protestants emphasised the authority of “scripture alone” (“sola scriptura”), meaning the text of the Bible was the supreme authority over the church. This gave greater emphasis to the scriptures and the idea of “divine dictation” got more support.</p> <p>So, for example, <a href="https://babel.hathitrust.org/cgi/pt?id=coo.31924029273996&amp;seq=254">Protestant reformer John Calvin declared</a>: "[we] are fully convinced that the prophets did not speak at their own suggestion, but that, being organs of the Holy Spirit, they only uttered what they had been commissioned from heaven to declare."</p> <figure class="align-left zoomable"><figcaption></figcaption></figure> <p>“Divine dictation” was linked to the idea that the Bible was without error (inerrant) – because the words were dictated by God.</p> <p>Generally, over the first 1,700 years of Christian history, this was assumed, if not argued for. But from the 18th century on, both history and science began to cast doubts on the truth of the Bible. And what had once been taken as fact came to be treated as myth and legend.</p> <p>The impossibility of any sort of error in the scriptures became a doctrine at the forefront of the 20th-century movement known as <a href="https://www.britannica.com/topic/Christian-fundamentalism">fundamentalism</a>. The <a href="https://www.apuritansmind.com/creeds-and-confessions/the-chicago-statement-on-biblical-inerrancy/">Chicago Statement on Biblical Inerrancy in 1978</a> declared: "Being wholly and verbally God-given, Scripture is without error or fault in all its teaching, no less in what it states about God’s acts in creation, about the events of world history, and about its own literary origins under God, than in its witness to God’s saving grace in individual lives."</p> <h2>2. God inspired the writers: conservative</h2> <p>An alternative to the theory of divine dictation is the divine inspiration of the writers. Here, both God and humans collaborated in the writing of the Bible. So, not the words, but the authors were inspired by God.</p> <p>There are two versions of this theory, dating from the <a href="https://www.britannica.com/event/Reformation">Reformation</a>. The conservative version, favoured by Protestantism, was: though the Bible was written by humans, God was a dominant force in the partnership.</p> <p>Protestants believed the sovereignty of God overruled human freedom. But even the Reformers, <a href="https://www.britannica.com/biography/Martin-Luther">Martin Luther</a> and <a href="https://www.britannica.com/biography/John-Calvin">John Calvin</a>, recognised variation within the Biblical stories could be put down to human agency.</p> <p>Catholics were more inclined to recognise human freedom above divine sovereignty. Some flirted with the idea human authorship was at play, with God only intervening to prevent mistakes.</p> <p>For example, in 1625, <a href="https://archive.org/details/catholictheories0000burt/page/46/mode/2up">Jacques Bonfrère said</a> the Holy Spirit acts: “not by dictating or inbreathing, but as one keeps an eye on another while he is writing, to keep him from slipping into errors”.</p> <p>In the early 1620s, the Archbishop of Split, Marcantonio de Dominis, went a little further. He distinguished between those parts of the Bible revealed to the writers by God and those that weren’t. In the latter, he believed, errors could occur.</p> <p>His view was supported some 200 years later by <a href="https://www.britannica.com/biography/Saint-John-Henry-Newman">John Henry Newman</a>, who led the Oxford movement in the Church of England and later became a cardinal (and then a saint) in the Roman Catholic Church.</p> <p>Newman argued the divinely inspired books of the Bible were interspersed with human additions. In other words, the Bible was inspired in matters of faith and morals –  but not, say, in matters of science and history. It was hard, at times, to distinguish this conservative view from “divine dictation”.</p> <h2>3. God inspired the writers: liberal</h2> <p>During the 19th century, in both Protestant and Catholic circles, the conservative theory was being overtaken by a more liberal view. The writers of the Bible were inspired by God, but <a href="https://archive.org/details/catholictheories0000burt/page/186/mode/2up">they were “children of their time”</a>, their writings determined by the cultural contexts in which they wrote.</p> <p>This view, while recognising the special status of the Bible for Christians, allowed for errors. For example, in 1860 <a href="https://archive.org/details/a578549600unknuoft/page/n359/mode/2up?ref=ol&amp;view=theater&amp;q=inspir">the Anglican theologian Benjamin Jowett declared</a>: “any true doctrine of inspiration must conform to all well-ascertained facts of history or of science”.</p> <p>For Jowett, to hold to the truth of the Bible against the discoveries of science or history was to do a disservice to religion. At times, though, it’s difficult to tell the difference between a liberal view of inspiration and there being no meaning to “inspiration” at all.</p> <p>In 1868, a conservative Catholic church pushed back against the more liberal view, declaring God’s direct authorship of the Bible. The Council of the Church known as Vatican 1 <a href="https://www.papalencyclicals.net/councils/ecum20.htm.">declared</a> both the Old and New Testaments were: “written under the inspiration of the holy Spirit, they have God as their author.”</p> <h2>4. People wrote it, with no divine help</h2> <p>Within the most liberal Christian circles, by the end of the 19th century, the notion of the Bible as “divinely inspired” had lost any meaning.</p> <p>Liberal Christians could join their secular colleagues in ignoring questions of the Bible’s historical or scientific accuracy or infallibility. The idea of the Bible as a human production was now accepted. And the question of who wrote it was now comparable to questions about the authorship of any other ancient text.</p> <p>The simple answer to “who wrote the Bible?” became: the authors named in the Bible (for example, Matthew, Mark, Luke and John – the authors of the four Gospels). But the idea of the Bible’s authorship is complex and problematic. (So are historical studies of ancient texts more generally.)</p> <p>This is partly because it’s hard to identify particular authors.</p> <p>The content of the 39 books of the Old Testament is the same as the 24 books of the Jewish <a href="https://www.britannica.com/topic/Hebrew-Bible">Hebrew Bible</a>. Within modern Old Testament studies, it’s now generally accepted that the books were not the production of a single author, but the result of long and changing histories of the stories’ transmission.</p> <p>The question of authorship, then, is not about an individual writer, but multiple authors, editors, scribes and redactors – along with multiple different versions of the texts.</p> <p>It’s much the same with the New Testament. While 13 Letters are attributed to <a href="https://www.britannica.com/biography/Saint-Paul-the-Apostle">Saint Paul</a>, there are doubts about his authorship of seven of them (Ephesians, Colossians, 2 Thessalonians, 1 Timothy, 2 Timothy, Titus, and Hebrews). There are also disputes over the traditional authorship of a number of the remaining Letters. The book of Revelation was traditionally ascribed to Jesus’s disciple John. But it is now generally agreed he was not its author.</p> <p>Traditionally, the authors of the four <a href="https://www.britannica.com/topic/Gospel-New-Testament">Gospels</a> were thought to be the apostles Matthew and John, Mark (the companion of Jesus’s disciple Peter), and Luke (the companion of Paul, who spread Christianity to the Greco-Roman world in the first century). But the anonymously written Gospels weren’t attributed to these figures until the second and third centuries.</p> <p>The dates of the Gospels’ creation also suggests they were not written by eyewitnesses to Jesus’s life. The earliest Gospel, Mark (65-70 CE) was written some 30 years after the death of Jesus (from 29-34 CE). The last Gospel, John (90-100 CE) was written some 60-90 years after the death of Jesus.</p> <p>It’s clear the author of the Gospel of Mark drew on traditions circulating in the early church about the life and teaching of Jesus and brought them together in the form of ancient biography.</p> <p>In turn, the Gospel of Mark served as the principal source for the authors of Matthew and Luke. Each of these authors had access to a common source (known as “Q”) of the sayings of Jesus, along with material unique to each of them.</p> <p>In short, there were many (unknown) authors of the Gospels.</p> <p>Interestingly, another group of texts, known as the <a href="https://www.britannica.com/topic/apocrypha">Apocrypha</a>, were written during the time between the Old and New Testaments (400 BCE to the first century CE). The Catholic Church and the Eastern Orthodox Christian traditions consider them part of the Bible, but Protestant churches don’t consider them authoritative.</p> <h2>Divine or human: why does it matter?</h2> <p>The question of who wrote the Bible matters because the Christian quarter of the world’s population believe the Bible is a not merely a human production.</p> <p>Divinely inspired, it has a transcendent significance. As such, it provides for Christians an ultimate understanding of how the world is, what history means and how human life should be lived.</p> <p>It matters because the Biblical worldview is the hidden (and often not-so-hidden) cause of economic, social and personal practices. It remains, as it has always been, a major source of both peace and conflict.</p> <p>It matters, too, because the Bible remains the most important collection of books in Western civilisation. Regardless of our religious beliefs, it has formed, informed and shaped all of us – whether consciously or unconsciously, for good or ill.<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/214849/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /></p> <p><a href="https://theconversation.com/profiles/philip-c-almond-176214"><em>Philip C. Almond</em></a><em>, Emeritus Professor in the History of Religious Thought, <a href="https://theconversation.com/institutions/the-university-of-queensland-805">The University of Queensland</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/who-wrote-the-bible-214849">original article</a>.</em></p>

Books

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5 financial lessons you should impart to your adult children

<p>Ultimately, we want our kids to live long, happy, healthy lives. </p> <p>Financial security is central to achieving this dream. So it may be time to have a chat about matters of money and ensure they are well set up for a prosperous future!</p> <p>While there are many important things to instil in future generations, the five below are perhaps the most crucial current-day issues for your adult children to master.</p> <ol> <li><strong>Avoid BNPL</strong></li> </ol> <p>Buy now, pay later (BNPL) schemes have taken off in popularity in recent years, allowing shoppers to purchase and use goods straight away yet pay for them over time in instalments. Sound too good to be true? Indeed.</p> <p>Most schemes attach hefty penalties and interest for missed or late repayments – much the same as credit cards. The debt quickly balloons, and can become unsustainable.</p> <p>The best approach to instil in your children is to always live within their means.</p> <ol start="2"> <li><strong>Avoid sexually transmitted debt</strong></li> </ol> <p>Joint finances, loans, credit cards, utilities, subscriptions, vehicles, businesses, property… all of these and more are shared liabilities. </p> <p>Even if a partner is the one who racks up the debts, your child is equally responsible for repaying them. This is what I call sexually transmitted debt.</p> <p>It could be inadvertent (such as having a partner who, despite their best intentions, is simply bad with money); hidden (like gambling addiction), deliberate (financial abuse), lose their job, have an accident, get seriously unwell.</p> <p>Either way, sexually transmitted debts can create long-term and even life-long problems, regardless of whether the relationship that created those debts survives: repayment struggles, credit constraints, bankruptcy, legal woes.</p> <p>When it comes to money, your children (and yourself) need to think with their head, not their heart.</p> <ol start="3"> <li><strong>Start investing </strong></li> </ol> <p>The number one thing financial advisers hear most is “I wish I started years ago”.</p> <p>Investments typically grow over time. The more time you allow, the bigger their value.</p> <p>Younger adults have big demands on their hip pocket. However, even starting with small investments allows compound growth to work its magic.</p> <p>Plus, given the housing affordability constraints facing younger generations, investments that can be sold or leveraged could better help them onto the housing ladder in future.</p> <p>Superannuation is another investment to pay attention to from a young age: managing investments, ensuring they are in a cost-effective fund, and avoiding mistakes – like consolidating funds without getting advice, which can inadvertently see them consolidate into a poorer performing fund or cancel attached insurances that had preferential terms.</p> <ol start="4"> <li><strong>Get a will</strong></li> </ol> <p>While young people may feel invincible, untimely deaths or disablement claims sadly can and do happen. And often unexpectedly: land transport accidents and accidental poisoning, together with suicide, make up <a href="https://www.aihw.gov.au/reports/life-expectancy-deaths/deaths-in-australia/contents/leading-causes-of-death">the biggest causes of death for under 44s</a> in Australia.</p> <p>Not having a will and a nominated executor complicates matters for grieving family and can delay all-important access to finances. How would your child’s partner and kids (if they have them) survive if their super, insurances and other payouts are delayed through probate? </p> <p>Remember to point out that superannuation (and other structures like companies and trusts) are treated separately from a will, and so need beneficiaries nominated within them.</p> <p>Younger people are also less likely to have discussed their final wishes with loved ones – funeral arrangements, burial vs cremation, organ donation, inheritances etc. This is where a separate statement of wishes can be useful.</p> <ol start="5"> <li><strong>Get insured</strong></li> </ol> <p>Insurances – save perhaps vehicle and house/contents – are rarely on the minds of younger people. But they should be.</p> <p>That is because many insurances are cheaper and offer better coverage when people are younger and free of any health complications. That includes private health, life and permanent disability, and income protection cover. </p> <p>Other insurances, like asset protection, can also be more lucrative to lock-in early. Just think about how the Ts and Cs on insurances have changed (become more restrictive) since you were their age!</p> <p>So encourage your adult children to scrutinise their insurance coverage. (And keep them away from drugs and smoking to stay healthier for longer!)</p> <p><em><strong>Helen Baker is a licensed Australian financial adviser and author of the new book, On Your Own Two Feet: The Essential Guide to Financial Independence for all Women (Ventura Press, $32.99). Helen is among the 1% of financial planners who hold a master’s degree in the field. Proceeds from book sales are donated to charities supporting disadvantaged women and children. Find out more at <a href="http://www.onyourowntwofeet.com.au">www.onyourowntwofeet.com.au</a> </strong></em></p> <p><em>Image credits: Getty Images</em></p>

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