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How to make the most of your hard-earned savings

<p>When you have a lump sum of money, it can often be very confusing to know what to do with it, when putting it into a bank offers little in the way of interest or reward. Chances are you might have been neglecting your savings, leaving them languishing in accounts that pay very little, if anything at all. But there is a better option that could see you drastically increasing your savings.</p> <p>A term deposit taker, such as boutique investment company Blue Sky money, can offer you far greater returns on your deposit – an impressive 7 per cent, around twice that which banks offer. Better yet, with all profits staying within and benefiting the community, you can also enjoy the knowledge that you’re helping to make a difference to New Zealanders while growing your nest egg.</p> <p><a href="https://blueskymoney.co.nz/" target="_blank" rel="noopener"><strong><img src="https://oversixtydev.blob.core.windows.net/media/2022/12/Blue-Sky-7.jpg" alt="" width="1280" height="1062" /></strong></a></p> <p><strong>Set and forget</strong></p> <p>Most of us are far too busy and time-poor to spend too much time tending to our finances. But that doesn’t mean we don’t want to see them grow! At Blue Sky money, with a minimum deposit of $30,000 and a minimum 12-month fixed term, you don’t need to think about anything. You’ll have your own personal customer service agent, and can just sit back and watch as your interest is calculated and paid into your account monthly – no fees, no charges.</p> <p>Believing that looking after your finances should be a pleasure, not a chore, Blue Sky money prides itself on offering a superior service and being far more user friendly than banks, so not only will your money work harder, but you’ll enjoy the satisfaction of feeling part of a financial family that truly cares about your wellbeing.</p> <p>Blue Sky money can also assist with small to medium loans for land, houses or other assets, are on hand to help with reverse mortgages and are even investing in retirement villages. And in an exciting new addition, from 2023 Blue Sky is launching its own travel club for all those who place their deposits. You’ll receive special deals and tour packages, ensuring your money goes even further, while enjoying everything the world has to offer.</p> <p><img src="https://oversixtydev.blob.core.windows.net/media/2022/12/money-laptop-happy-GettyImages-1307391886.jpg" alt="" width="1280" height="720" /></p> <p><strong>Improving New Zealanders’ lives</strong></p> <p>And while getting some much-needed extra cash seems like a pretty good deal all on its own, you’ll also have the piece of mind of knowing that with Blue Sky money – a family run business owned by Blue Sky charity, which is registered in New Zealand – all profits stay within New Zealand. With a philosophy of trying to make the world a better place, Blue Sky invests in research and development to better New Zealanders lives – everything from groundbreaking cancer treatment using ultrasound, to sustainable energy, sea trailers and indestructible home builds.</p> <p>Blue Sky money can also assist with small to medium loans for land, houses or other assets, and are available to help with reverse mortgages. And in an exciting new addition, from 2023 Blue Sky is launching its own travel club, where you can receive special deals and tour packages.</p> <p>So if you’re looking to make your savings work harder for you, while aligning yourself with a humanitarian company that’s working to improve the lives of New Zealanders, be sure to get in touch with the Blue Sky team at <a href="https://blueskymoney.co.nz/" target="_blank" rel="noopener">blueskymoney.co.nz</a></p> <p><img src="https://oversixtydev.blob.core.windows.net/media/2022/12/tropical-island-GettyImages-1360554439.jpg" alt="" width="1280" height="720" /></p> <p><em>Images: Supplied. </em></p> <p><em>This is a sponsored article produced in partnership with <a href="https://blueskymoney.co.nz/" target="_blank" rel="noopener">Blue Sky money</a>. </em></p>

Money & Banking

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How to make your retirement money go the distance

<p>Retirement should hopefully be a long and rewarding experience and you’re obviously going to need to fund it. Here are a few tips to assist you and your nest egg in supporting your plans.                            </p> <p><strong>Planning</strong></p> <p>Planning for an unknown timeframe is a challenge, but the bottom line is the more effort you put into preparing and regularly reviewing your options, the better. </p> <p>A key starter is determining your needs. It might be worth sitting down with a financial planner to review your circumstances. Try to visualize the lifestyle you want during retirement – travel, moving house, new car, new hobbies, interests. Then look at the cost implications of this lifestyle and whether you’re going to be able to afford it based on your current income and spending.</p> <p><strong>Understand your retirement accounts</strong></p> <p>Take the time to review all your investments, accounts and other services to ensure they are the best fit for your retirement lifestyle. Rebalance your portfolio to align your finances with the most effective investments for this stage of life.                          </p> <p><strong>Income</strong></p> <p>An obvious choice for extending your income is deferring retirement. This doesn’t necessarily have to mean continuing with full time work – it could just be part time or casual work in order to create additional income. You might be surprised at the variety of work opportunities available as our workforce becomes increasingly focused on part time, casual and consulting roles. It may also be possible to make money from your hobbies or crafts.</p> <p><strong>Downsizing</strong></p> <p>While you might be comfortable with the lifestyle you have enjoyed for a while, downsizing on some aspects of life can assist greatly in getting more mileage from your retirement savings. Housing is the most obvious and usually the most beneficial in terms of boosting savings. This might be in the form of a smaller home but it may also involve looking at where you live. You might consider a more cost-effective suburb, shaving those mortgage repayments or bolstering your savings even further. The same downsizing might apply to cars, boats and memberships, just to name a few.</p> <p><strong>Health</strong></p> <p>As you may be requiring health services more often in retirement, remember that the most cost-effective way to approach this is through prevention by ensuring your ongoing health and fitness is as good as it can be. Keeping active with a healthy diet and regular exercise is the best way to stave off illness and health issues, often without spending anything extra. </p> <p><strong>Entitlements</strong></p> <p>Become aware of the broad range of concessions, discounts and entitlements that are available to you in retirement. Always keep your senior status in mind with future purchases and payments – it never hurts to ask!</p> <p><strong>Sell stuff</strong></p> <p>Now’s the perfect time to clean out the garage, attic and storage of all that accumulated stuff. While you probably want to save your biggest treasures for the family, sites like eBay, Gumtree and Craigslist are an easy way to make a bit of money out of items you no longer want.</p> <p><em>Image credits: Getty Images </em></p>

Retirement Income

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Being in a couple can leave women with less savings – here’s how to make nest eggs more equal

<p>Growing <a href="https://www.oecd-ilibrary.org/employment/oecd-employment-outlook-2015_empl_outlook-2015-en">job insecurity</a>, <a href="https://news.sky.com/story/signs-of-worst-year-for-stock-market-investors-in-a-decade-after-wall-street-slips-into-bear-market-and-bitcoin-crashes-12633745">financial market volatility</a> and <a href="https://www.theguardian.com/business/2022/may/18/uk-pensioners-cost-of-living-crisis">rising prices</a> have created an extremely uncertain environment for UK savers. The country’s welfare provisions are <a href="https://www.oecd.org/unitedkingdom/PAG2017-GBR.pdf">among the lowest</a> of all OECD countries and a growing number of pensioners are finding it difficult to gain <a href="https://www.theguardian.com/society/2022/mar/17/number-of-pensioners-in-relative-poverty-in-uk-up-200000-in-a-year">financial security</a> in later life. Even well-known <a href="https://metro.co.uk/2022/03/20/money-saving-expert-martin-lewis-runs-out-of-advice-on-cost-of-living-crisis-16309470/">money-saving experts</a> have run out of ideas to help those struggling with their finances.</p> <p>In such tough times, people planning for old age must be even more canny about their money to ensure there is enough for a comfortable retirement. Pension planning typically starts with a long-term savings goal to ensure an adequate income during retirement. Then savers usually make regular contributions to suitable investment products in line with this goal over the course of their working lives.</p> <p>Our recent research shows, however, that there are differences in the way people decide on and work towards those goals. We believe these differences may contribute to a wealth gap between men and women in the UK, with more women in danger of being left financially vulnerable than men.</p> <p>The commitment you make when you set a goal essentially motivates you to achieve that goal, according to certain <a href="https://www.sciencedirect.com/science/article/pii/S0022053113000033?casa_token=0_ot9tQqosQAAAAA:Br_9n9OaTKs25D1plcAHmBefoy5suGqafNYG3Ab0FZXhlLd4sLnumW6JHa80ArKHx5zfDGNT">behavioural science</a> theories. In other words, people with ambitious savings goals can be expected to end up with more money in their retirement accounts, compared with those with modest savings goals.</p> <p>Less ambitious savers may not strive to put away more than planned because they believe they will fail. Based on our <a href="https://onlinelibrary.wiley.com/doi/abs/10.1111/kykl.12294">recent research</a> into long-term savings goals, we believe such differences in attitudes may contribute to the <a href="https://www.prospectmagazine.co.uk/other/gender-wealth-gap-women-investing">£15 billion wealth gap</a> between men and women.</p> <h2>Growing gender wealth gap</h2> <p>Our study <a href="https://onlinelibrary.wiley.com/doi/abs/10.1111/kykl.12294">explores long-term savings goals</a> among 1,760 clients at a well-established UK investment firm, combined with insights from 56 interviews with another group of UK-based men and women savers. It uncovers a third possible explanation for a rising gender wealth gap in the UK, besides income differentials (based on the <a href="https://www.aeaweb.org/articles?id=10.1257%2Fjel.20160995&amp;source=post_page---------------------------">gender pay gap</a>, the <a href="https://www.aeaweb.org/articles?id=10.1257/app.20180010">child penalty</a>, <a href="https://www.journals.uchicago.edu/doi/full/10.1086/511799?casa_token=icrT0aW2dYUAAAAA%3A7k6cPuNg15qaB6ICZbBe7OO8tffw6404qf-kN-1e5lIVWjNyTlC2MOUD7We4CMNUOVWz8krjIQ">the motherhood penalty</a>) and investment differentials that generally show men earning higher financial returns because they tend to <a href="https://onlinelibrary.wiley.com/doi/full/10.1111/j.1465-7295.2008.00201.x?casa_token=Bf3MjE7ar9UAAAAA%3A3lEvIUQjvDM4OaPUTW5tnUkbMAnn8-EZtknAR9Mx98_BNwNttlxF6i7jEYYCGHxr_3b9BLM_UxCr">take more risk</a>. </p> <p>This third reason, our analysis suggests, is that gender norms influence attitudes towards saving. This tends to negatively affect women in couples most of all.</p> <p>We found that men and women who are married or cohabiting tend to strongly diverge when it comes to their chosen savings goals, compared with those who live on their own. More specifically, married or co-habiting men are more likely to be in charge of long-term saving for the household and they typically choose more ambitious personal savings goals.</p> <p>Those higher savings goals were not affected by expected levels of income and so could not be attributed to a gender pay gap. Similarly, we also controlled for varying attitudes toward risk-taking in investment portfolios.</p> <h2>The role of gender norms</h2> <p>So why do men and women in couples save so differently? Our research shows that these differences are linked to the traditional gender roles often assigned to particular members of households. When women are in charge of caring and domestic work such as childcare, grocery shopping and short-term budgeting, there is a tendency to focus on short-term financial security. Perhaps in anticipation of adverse events affecting their daily budget management, these women tend to choose modest savings goals and accessible financial products such as <a href="https://www.gov.uk/individual-savings-accounts">individual savings accounts</a> (ISAs).</p> <p>On the other hand, we found that men in couples tend to choose more ambitious goals and use investment products that are designed for longer-term savings habits and have the potential for <a href="https://www.vanguardinvestor.co.uk/articles/latest-thoughts/retirement/sipp-or-isa-how-do-you-decide#:%7E:text=SIPP%20or%20ISA%3A%20how%20your%20hypothetical%20savings%20might%20grow">better returns</a>. For example, <a href="https://www.moneyhelper.org.uk/en/pensions-and-retirement/pensions-basics/self-invested-personal-pensions?source=mas">self-invested personal pensions</a> provide more options and control over what you can invest in and when, compared with a standard personal pension or an ISA. </p> <p>Men are also more often assigned to the role of managing long-term investing tasks, according to our research. This encourages a focus on long-term wealth growth and reinforces their willingness to set challenging goals. These findings are intensified within couples with a more “traditional” division of roles - that is, when the man is the breadwinner.</p> <p>For single people, however, men and women perform both the short- and long-term financial tasks and we found no gender differences in savings goals among this type of study participant. This absence of any gender-based effect among the people in our study who are not part of a couple shows a clear need to move beyond simply accepting that all men and women <a href="https://onlinelibrary.wiley.com/doi/full/10.1111/j.1465-7295.2009.00251.x?casa_token=DjyY7QO3AbYAAAAA%3Alqjh1kacbeO6WWPm8a778_QyzCAEYEQ4L5DISL4yRPjIMBh_Vne1e1UkFSyXeIlWpKbDBS9wMJ_V">think differently</a> about saving and investing when discussing retirement planning and financial risk-taking. </p> <p>Exploring the context in which people make financial decisions is much more important. Highlighting when goals are unambitious compared to people with similar wealth and incomes, for example, could reduce the effect of gender norms on financial decisions. </p> <p>In particular, it should be emphasised that, by leaving their male partner to accumulate money for the household, women may increase their financial dependency. In that context, late divorce or separation could have a dramatic effect on financial security for those <a href="https://www.theguardian.com/lifeandstyle/2017/mar/19/divorce-women-risk-poverty-children-relationship">without legal protection</a>.</p> <p>Given the continued uncertainty around the economic outlook, addressing the gender wealth gap in this way will help to create a more secure future for all UK savers.</p> <p><em>Image credits: Getty Images</em></p> <p><em>This article originally appeared on <a href="https://theconversation.com/being-in-a-couple-can-leave-women-with-less-savings-heres-how-to-make-nest-eggs-more-equal-186269" target="_blank" rel="noopener">The Conversation</a>. </em></p>

Retirement Income

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The must-know Google Translate hack for your next holiday

<p dir="ltr">When travelling overseas, one thing we can often run into is an issue with the language barrier. </p> <p dir="ltr">Whether it's chatting to someone in a store or trying to decipher street signs and menus, when exploring international locations, it's important to be prepared to communicate. </p> <p dir="ltr">One savvy traveller has shared a must-know tip for your next trip abroad, which will get you out of sticky situations. </p> <p dir="ltr">When Nguyen was travelling in Turkey, she found herself stumped when trying to order off a menu written in a language she didn’t speak. </p> <p dir="ltr">However, she discovered that if you open the Google Translate app and point the camera at the foreign text, it will instantly translate it to English. </p> <p dir="ltr">"Literally, it translates everything within seconds. How sick is that?" she said. </p> <p dir="ltr">The feature automatically detects the language shown on camera and immediately translates it to the user's preferred language. </p> <p dir="ltr">The camera can currently interpret over 85 language scripts and can translate into any of the languages supported on Google Translate, which can be downloaded on both iPhone and Android devices.</p> <p dir="ltr">"You guys need to get onto this and thank me later," said Nguyen.</p> <p dir="ltr">While Nguyen found the tech an illuminating discovery, her TikTok video was flooded by users saying they had been using the app for their international travels for years, with the camera feature being available to the public since at least 2018.</p> <p dir="ltr">"I'm 71 and feel good today, been using this for years," said one.</p> <p dir="ltr">Another commented, "Welcome to 2022 you're years late!"</p> <p dir="ltr"><em>Image credits: Getty Images</em></p>

Travel Tips

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Is Google’s AI chatbot LaMDA sentient? Computer says no

<blockquote class="wp-block-quote is-style-default"> <p>“Actions such as his could come only from a robot, or from a very honorable and decent human being. But you see, you can’t differentiate between a robot and the very best of humans.”</p> <p><cite>– Isaac Asimov, <em>I, Robot</em></cite></p></blockquote> <p>Science fiction writer Isaac Asimov was among the first to consider a future in which humanity creates artificial intelligence that becomes sentient. Following Asimov’s <em>I, Robot</em>, others have imagined the challenges and dangers such a future might hold.</p> <p>Should we be afraid of sentient robots taking over the planet? Are scientists inadvertently creating our own demise? How would society look if we were to create a sentient artificial intelligence?</p> <p>It’s these questions which – often charged by our own emotions and feelings – drive the buzz around claims of sentience in machines. An example of this emerged this week when Google employee Blake Lemoine claimed that the tech giant’s chatbot LaMDA had exhibited sentience.</p> <p>LaMDA, or “language model for dialogue applications”, is not Lemoine’s creation, but the work of <a href="https://arxiv.org/pdf/2201.08239.pdf" target="_blank" rel="noreferrer noopener">60 other researchers at Google</a>. Lemoine has been trying to teach the chatbot transcendental meditation.</p> <p>Lemoine shared on his Medium profile the <a href="https://cajundiscordian.medium.com/is-lamda-sentient-an-interview-ea64d916d917" target="_blank" rel="noreferrer noopener">text of an interview</a> he and a colleague conducted with LaMDA. Lemoine claims that the chatbot’s responses indicate sentience comparable to that of a seven or eight-year-old child.</p> <p>Later, on June 14, Lemoine said on <a href="https://twitter.com/cajundiscordian/status/1536503474308907010" target="_blank" rel="noreferrer noopener">Twitter</a>: “People keep asking me to back up the reason I think LaMDA is sentient. There is no scientific framework in which to make those determinations and Google wouldn’t let us build one. My opinions about LaMDA’s personhood and sentience are based on my religious beliefs.”</p> <p>Since sharing the interview with LaMDA, Lemoine has been placed on “paid administrative leave”.</p> <p>What are we to make of the claim? We should consider the following: what is sentience? How can we test for sentience?</p> <p><em>Cosmos </em>spoke to experts in artificial intelligence research to answer these and other questions in light of the claims about LaMDA.</p> <p>Professor Toby Walsh is a professor of artificial intelligence at the University of New South Wales (UNSW). Walsh also penned an <a href="https://www.theguardian.com/commentisfree/2022/jun/14/labelling-googles-lamda-chatbot-as-sentient-is-fanciful-but-its-very-human-to-be-taken-in-by-machines" target="_blank" rel="noreferrer noopener">article for the <em>Guardian</em></a> on Lemoine’s claims, writing: “Before you get too worried, Lemoine’s claims of sentience for LaMDA are, in my view, entirely fanciful. While Lemoine no doubt genuinely believes his claims, LaMDA is likely to be as sentient as a traffic light.”</p> <p>Walsh is also the author of a book, <em>Machines Behaving Badly: The Morality of AI</em>, published this month in which these themes are investigated.</p> <p>“We don’t have a very good scientific definition of sentience,” Walsh tells <em>Cosmos</em>. “It’s often thought as equivalent to consciousness, although it’s probably worth distinguishing between the two.”</p> <p>Sentience is about experiencing feelings or emotions, Walsh explains, whereas consciousness is being aware of your thoughts and others. “One reason why most experts will have quickly refuted the idea that LaMDA is sentient, is that the only sentient things that we are aware of currently are living,” he says. “That seems to be pretty much a precondition to be a sentient being – to be alive. And computers are clearly not alive.”</p> <p>Professor Hussein Abbass, professor in the School of Engineering and Information Technology at UNSW Canberra, agrees, but also highlights the lack of rigorous assessments of sentience. “Unfortunately, we do not have any satisfactory tests in the literature for sentience,” he says.</p> <div class="newsletter-box"> <div id="wpcf7-f6-p195078-o1" class="wpcf7" dir="ltr" lang="en-US" role="form"> </div> </div> <p class="spai-bg-prepared">“For example, if I ask a computer ‘do you feel pain’, and the answer is yes, does it mean it feels pain? Even if I grill it with deeper questions about pain, its ability to reason about pain is different from concluding that it feels pain. We may all agree that a newborn feels pain despite the fact that the newborn can’t argue the meaning of pain,” Abbass says. “The display of emotion is different from the existence of emotion.”</p> <p class="spai-bg-prepared">Walsh reasons that we can observe something responding to stimuli as evidence of sentience, but we should hold computers to higher standards. “The only sentience I’m certain of is my own because I experience it,” he says. “Because you look like you’re made of the same stuff as me, and you’re responding in an appropriate way, the simplest explanation is to assume that you must be sentient like I feel I am sentient.” For a computer, however, “that assumption that is not the simplest explanation. The simplest explanation is that it’s a clever mimic.”</p> <p class="spai-bg-prepared">“A conversation has two sides to it,” adds Walsh. “If you play with these tools, you quickly learn that it’s quite critical how you interact with them, and the questions you prompt them with will change the quality of the output. I think it reflects, in many respects, the intelligence of the person asking the questions and pushing the conversation along in helpful ways and, perhaps, using points that lead the conversation. That really reflects the intelligence of the person asking the questions.”</p> <p class="spai-bg-prepared">“Care needs to be taken to not project our own emotions and aspirations onto the machine, when we are talking about artificial intelligence in general,” says Dr Marc Cheong, digital ethics lecturer at the University of Melbourne. “AI learns from past data that we humans create – and the societal and historical contexts in which we live are reflected in the data we use to train the AI. Similarly for the claims of sentience, we shouldn’t start anthropomorphising AI without realising that its behaviour is merely finding patterns in data we feed into it.”</p> <p class="spai-bg-prepared">“We’re very forgiving, right? That’s a really human trait,” says Walsh. “Our superpower is not really our intelligence. Our superpower is our ability to work together to form society to interact with each other. If we mishear or a person says something wrong, we fill the gaps in. That’s helpful for us to work together and cooperate with other human beings. But equally, it tends to mislead us. We tend to be quite gullible in ascribing intelligence and other traits like sentience and consciousness to things that are perhaps inanimate.”</p> <p class="spai-bg-prepared">Walsh also explains that this isn’t the first time this has happened.</p> <p class="spai-bg-prepared">The first chatbot, Eliza, created in the 1970s, was “way less sophisticated”, Walsh says. “Eliza would take the sentence that the person said and turn it into a question. And yet there was quite a hype and buzz when Eliza first came out. The very first chatbot obviously fooled some people into thinking it was human. So it’s perhaps not so surprising that a much more sophisticated chatbot like this does the same again.”</p> <p class="spai-bg-prepared">In 1997, the supercomputer Deep Blue beat chess grandmaster Garry Kasparov. “I could feel – I could smell – a new kind of intelligence across the table,” <a class="spai-bg-prepared" href="https://www.time.com/time/magazine/article/0,9171,984305,00.html#ixzz1DyffA0Dl" target="_blank" rel="noreferrer noopener">Kasparov wrote in TIME</a>.</p> <p class="spai-bg-prepared">But Walsh explains that Deep Blue’s winning move wasn’t a stroke of genius produced by the machine’s creativity or sentience, but a bug in its code – as the timer was running out, the computer chose a move at random. “It quite spooked Kasparov and possibly actually contributed to his eventual narrow loss,” says Walsh.</p> <p class="spai-bg-prepared">So, how far away are we really from creating sentient machines? That’s difficult to say, but experts believe the short answer is “very far”.</p> <p class="spai-bg-prepared">“Will we ever create machines that are sentient?” asks Walsh. “We don’t know if that’s something that’s limited to biology. Computers are very good at simulating the weather and electron orbits. We could get them to simulate the biochemistry of a sentient being. But whether they then are sentient – that’s an interesting, technical, philosophical question that we don’t really know the answer to.</p> <p class="spai-bg-prepared">“We should probably entertain the idea that there’s nothing that we know of that would preclude it. There are no laws of physics that would be violated if machines were to become sentient. It’s plausible that we are just machines of some form and that we can build sentience in a computer. It just seems very unlikely that computers have any sentience today.”</p> <p class="spai-bg-prepared">“If we can’t objectively define what ‘sentient’ is, we can’t estimate how long it will take to create it,” explains Abbass. “In my expert opinion as an AI scientist for 30+ years, I would say that today’s AI-enabled machines are nowhere close to even the edge of being sentient.”</p> <p class="spai-bg-prepared">So, what then are we to make of claims of sentience?</p> <p class="spai-bg-prepared">“I can understand why this will be a very big thing because we give rights to almost anything that’s sentient. And we don’t like other things to suffer,” says Walsh.</p> <p class="spai-bg-prepared">“If machines never become sentient then we never have to have to care about them. I can take my robots apart diode by diode, and no one cares,” Walsh explains. “I don’t have to seek ethics approval for turning them off or anything like that. Whereas if they do become sentient, we <em class="spai-bg-prepared">will </em>have to worry about these things. And we have to ask questions like, are we allowed to turn them off? Is that akin to killing them? Should we get them to do the dull, dangerous, difficult things that are too dull, dangerous or difficult for humans to do? Equally, I do worry that if they don’t become sentient, they will always be very limited in what they can do.”</p> <p class="spai-bg-prepared">“I get worried from statements made about the technology that exaggerates the truth,” Abbass adds. “It undermines the intelligence of the public, it plays with people’s emotions, and it works against the objectivity in science. From time to time I see statements like Lemoine’s claims. This isn’t bad, because it gets us to debate these difficult concepts, which helps us advance the science. But it does not mean that the claims are adequate for the current state-of-the-art in AI. Do we have any sentient machine that I am aware of in the public domain? While we have technologies to imitate a sentient individual, we do not have the science yet to create a true sentient machine.”</p> <p><img id="cosmos-post-tracker" class="spai-bg-prepared" style="opacity: 0; height: 1px!important; width: 1px!important; border: 0!important; position: absolute!important; z-index: -1!important;" src="https://syndication.cosmosmagazine.com/?id=195078&amp;title=Is+Google%E2%80%99s+AI+chatbot+LaMDA+sentient%3F+Computer+says+no" width="1" height="1" /></p> <div id="contributors"> <p><em><a href="https://cosmosmagazine.com/technology/google-ai-lamda-sentient/" target="_blank" rel="noopener">This article</a> was originally published on <a href="https://cosmosmagazine.com" target="_blank" rel="noopener">Cosmos Magazine</a> and was written by <a href="https://cosmosmagazine.com/contributor/evrim-yazgin" target="_blank" rel="noopener">Evrim Yazgin</a>. Evrim Yazgin has a Bachelor of Science majoring in mathematical physics and a Master of Science in physics, both from the University of Melbourne.</em></p> <p><em>Image: Getty Images</em></p> </div>

Technology

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There is, in fact, a ‘wrong’ way to use Google

<p>I was recently reading comments on a post related to COVID-19, and saw a reply I would classify as misinformation, bordering on conspiracy. I couldn’t help but ask the commenter for evidence.</p> <p>Their response came with some web links and “do your own research”. I then asked about their research methodology, which turned out to be searching for specific terms on Google.</p> <p>As an academic, I was intrigued. Academic research aims to establish the truth of a phenomenon based on evidence, analysis and peer review.</p> <p>On the other hand, a search on Google provides links with content written by known or unknown authors, who may or may not have knowledge in that area, based on a ranking system that either follows the preferences of the user, or the collective popularity of certain sites.</p> <p>In other words, Google’s algorithms can penalise the truth for not being popular.</p> <p><a href="https://www.google.com/search/howsearchworks/algorithms" target="_blank" rel="noopener">Google Search’s</a> ranking system has a <a href="https://youtu.be/tFq6Q_muwG0" target="_blank" rel="noopener">fraction of a second</a> to sort through hundreds of billions of web pages, and index them to find the most relevant and (ideally) useful information.</p> <p>Somewhere along the way, mistakes get made. And it’ll be a while before these algorithms become foolproof – if ever. Until then, what can you do to make sure you’re not getting the short end of the stick?</p> <p><strong>One question, millions of answers</strong></p> <p>There are around <a href="https://morningscore.io/how-does-google-rank-websites/" target="_blank" rel="noopener">201 known factors</a> on which a website is analysed and ranked by Google’s algorithms. Some of the main ones are:</p> <ul> <li>the specific key words used in the search</li> <li>the meaning of the key words</li> <li>the relevance of the web page, as assessed by the ranking algorithm</li> <li>the “quality” of the contents</li> <li>the usability of the web page</li> <li>and user-specific factors such as their location and profiling data taken from connected Google products, including Gmail, YouTube and Google Maps.</li> </ul> <p><a href="https://link.springer.com/article/10.1007/s10676-013-9321-6" target="_blank" rel="noopener">Research has shown</a> users pay more attention to higher-ranked results on the first page. And there are known ways to ensure a website makes it to the first page.</p> <p>One of these is “<a href="https://en.wikipedia.org/wiki/Search_engine_optimization" target="_blank" rel="noopener">search engine optimisation</a>”, which can help a web page float into the top results even if its content isn’t necessarily quality.</p> <p>The other issue is Google Search results <a href="https://mcculloughwebservices.com/2021/01/07/why-google-results-look-different-for-everyone/" target="_blank" rel="noopener">are different for different people</a>, sometimes even if they have the exact same search query.</p> <p>Results are tailored to the user conducting the search. In his book <a href="https://www.penguin.co.uk/books/181/181850/the-filter-bubble/9780241954522.html" target="_blank" rel="noopener">The Filter Bubble</a>, Eli Pariser points out the dangers of this – especially when the topic is of a controversial nature.</p> <p>Personalised search results create alternate versions of the flow of information. Users receive more of what they’ve already engaged with (which is likely also what they already believe).</p> <p>This leads to a dangerous cycle which can further polarise people’s views, and in which more searching doesn’t necessarily mean getting closer to the truth.</p> <p><strong>A work in progress</strong></p> <p>While Google Search is a brilliant search engine, it’s also a work in progress. Google is <a href="https://ai.googleblog.com/2020/04/a-scalable-approach-to-reducing-gender.html" target="_blank" rel="noopener">continuously addressing various issues</a> related to its performance.</p> <p>One major challenge relates to societal biases <a href="https://www.kcl.ac.uk/news/artificial-intelligence-is-demonstrating-gender-bias-and-its-our-fault" target="_blank" rel="noopener">concerning race and gender</a>. For example, searching Google Images for “truck driver” or “president” returns images of mostly men, whereas “model” and “teacher” returns images of mostly women.</p> <p>While the results may represent what has <em>historically</em> been true (such as in the case of male presidents), this isn’t always the same as what is <em>currently</em> true – let alone representative of the world we wish to live in.</p> <p>Some years ago, Google <a href="https://www.theverge.com/2018/1/12/16882408/google-racist-gorillas-photo-recognition-algorithm-ai" target="_blank" rel="noopener">reportedly</a> had to block its image recognition algorithms from identifying “gorillas”, after they began classifying images of black people with the term.</p> <p>Another issue highlighted by health practitioners relates to people <a href="https://www.healthline.com/health/please-stop-using-doctor-google-dangerous" target="_blank" rel="noopener">self diagnosing based on symptoms</a>. It’s estimated about <a href="https://onlinelibrary.wiley.com/doi/full/10.5694/mja2.50600" target="_blank" rel="noopener">40% of Australians</a> search online for self diagnoses, and there are about 70,000 health-related searches conducted on Google each minute.</p> <p>There can be serious repercussions for those who <a href="https://www.medicaldirector.com/press/new-study-reveals-the-worrying-impact-of-doctor-google-in-australia" target="_blank" rel="noopener">incorrectly interpret</a> information found through “<a href="https://www.ideas.org.au/blogs/dr-google-should-you-trust-it.html" target="_blank" rel="noopener">Dr Google</a>” – not to mention what this means in the midst of a pandemic.</p> <p>Google has delivered a plethora of COVID misinformation related to unregistered medicines, fake cures, mask effectiveness, contact tracing, lockdowns and, of course, vaccines.</p> <p>According to <a href="https://www.ajtmh.org/view/journals/tpmd/103/4/article-p1621.xml" target="_blank" rel="noopener">one study</a>, an estimated 6,000 hospitalisations and 800 deaths during the first few months of the pandemic were attributable to misinformation (specifically the false claim that <a href="https://www.abc.net.au/news/2020-04-28/hundreds-dead-in-iran-after-drinking-methanol-to-cure-virus/12192582" target="_blank" rel="noopener">drinking methanol can cure COVID</a>).</p> <p>To combat this, <a href="https://misinforeview.hks.harvard.edu/article/how-search-engines-disseminate-information-about-covid-19-and-why-they-should-do-better/" target="_blank" rel="noopener">Google eventually prioritised</a> authoritative sources in its search results. But there’s only so much Google can do.</p> <p>We each have a responsibility to make sure we’re thinking critically about the information we come across. What can you do to make sure you’re asking Google the best question for the answer you need?</p> <p><strong>How to Google smarter</strong></p> <p>In summary, a Google Search user must be aware of the following facts:</p> <ol> <li> <p>Google Search will bring you the top-ranked web pages which are also the most relevant to your search terms. Your results will be as good as your terms, so always consider context and how the inclusion of certain terms might affect the result.</p> </li> <li> <p>You’re better off starting with a <a href="https://support.google.com/websearch/answer/134479?hl=enr" target="_blank" rel="noopener">simple search</a>, and adding more descriptive terms later. For instance, which of the following do you think is a more effective question: “<em>will hydroxychloroquine help cure my COVID?</em>” or “<em>what is hydroxychloroquine used for?</em>”</p> </li> <li> <p>Quality content comes from verified (or verifiable) sources. While scouring through results, look at the individual URLs and think about whether that source holds much authority (for instance, is it a government website?). Continue this process once you’re in the page, too, always checking for author credentials and information sources.</p> </li> <li> <p>Google may personalise your results based on your previous search history, current location and interests (gleaned through other products such as Gmail, YouTube or Maps). You can use <a href="https://support.google.com/chrome/answer/95464?hl=en&amp;co=GENIE.Platform%3DDesktop" target="_blank" rel="noopener">incognito mode</a> to prevent these factors from impacting your search results.</p> </li> <li> <p>Google Search isn’t the only option. And you don’t just have to leave your reading to the discretion of its algorithms. There are several other search engines available, including <a href="https://www.bing.com/" target="_blank" rel="noopener">Bing</a>, <a href="https://au.yahoo.com/" target="_blank" rel="noopener">Yahoo</a>, <a href="https://www.baidu.com/" target="_blank" rel="noopener">Baidu</a>, <a href="https://duckduckgo.com/" target="_blank" rel="noopener">DuckDuckGo</a> and <a href="https://www.ecosia.org/" target="_blank" rel="noopener">Ecosia</a>. Sometimes it’s good to triangulate your results from outside the filter bubble. <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; text-shadow: none !important;" src="https://counter.theconversation.com/content/179099/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /></p> </li> </ol> <p><em><a href="https://theconversation.com/profiles/muneera-bano-398400" target="_blank" rel="noopener">Muneera Bano</a>, Senior Lecturer, Software Engineering, <a href="https://theconversation.com/institutions/deakin-university-757" target="_blank" rel="noopener">Deakin University</a></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/there-is-in-fact-a-wrong-way-to-use-google-here-are-5-tips-to-set-you-on-the-right-path-179099" target="_blank" rel="noopener">original article</a>.</em></p> <p><em>Image: Getty Images</em></p>

Technology

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Mafia fugitive caught after being spotted on Google Street View

<p>An Italian mafia fugitive has been found after 20 years on the run after being spotted on Google Maps in Spain. </p> <p><span>Gioacchino Gammino, one of Italy's most wanted mobsters, was handed a life sentence after being convicted of murder in 1989, before escaping prison in 2002. </span></p> <p><span>Following his escape, he fled to a town north of Madrid and changed his name before opening a fruit and vegetable shop. </span></p> <p><span>Despite his new identity, Italian police were hot on his tail after spotting him by chance on Google Street View standing outside a grocery shop named </span>El Huerto de Manu, Manu's Garden.</p> <p class="mol-para-with-font">Gammino had since changed his name to Manuel.</p> <p class="mol-para-with-font">Nearby where he was spotted, police found a listing for a restaurant named <span>Cocina de Manu which had been closed for some time.</span></p> <p class="mol-para-with-font">Despite the restaurant appearing to be closed, the establishment's Facebook page was still active and showed photos of Gammino proudly posing in chef's clothing, with the menu featuring a specialty <span>Sicilian supper, with a design similar to the iconic poster for <em>The Godfather</em> film.</span></p> <p class="mol-para-with-font"><span>Police recognised the images of Gammino on Facebook thanks to a distinct scar on his chin. </span></p> <p class="mol-para-with-font"><span>He was arrested on December 17th, and was baffled at how authorities tracked him down. </span></p> <p class="mol-para-with-font"><span>He said after his capture, "How did you find me? I haven't even phoned my family for the last 10 years."</span></p> <p class="mol-para-with-font"><span>Gammino will now be returned to a jail in Italy were he will see out the remainder of his life sentence for murder. </span></p> <p class="mol-para-with-font"><em>Image credits: Google Maps</em></p>

Travel Trouble

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How do birds make their nests?

<p>The first thing to know is not all birds make nests. For example, emperor penguin fathers carry their precious egg on their feet (to keep it off the frozen ground).</p> <p>Some birds, such as <a href="https://en.wikipedia.org/wiki/Cuckoo">cuckoos</a>, will lay their eggs in someone else’s nests. Others lay them on the ground among leaves or pebbles, or on cliffs with very little protection.</p> <p><a href="https://images.theconversation.com/files/433852/original/file-20211125-25-1be6ny0.jpeg?ixlib=rb-1.1.0&amp;q=45&amp;auto=format&amp;w=1000&amp;fit=clip"><img src="https://images.theconversation.com/files/433852/original/file-20211125-25-1be6ny0.jpeg?ixlib=rb-1.1.0&amp;q=45&amp;auto=format&amp;w=237&amp;fit=clip" alt="Eggs among pebbles" /></a></p> <p><span class="caption">Some birds will lay their eggs among pebbles on the ground, which doesn’t offer them much physical protection.</span> <span class="attribution"><span class="source">Shutterstock</span></span></p> <p>For the birds that do build nests, there is one main goal: to keep their eggs and chicks safe.</p> <h2>Many places to build a nest</h2> <p>Many birds also make their nests in tree hollows, including parrots. That’s just one reason it’s important to not cut trees down!</p> <p>Meanwhile, kookaburras use their powerful beaks to burrow into termite nests and make a cosy nest inside. And the cute <a href="https://www.birdlife.org.au/bird-profile/spotted-pardalote">spotted pardelote</a> will dig little burrows in the side of earth banks – with a safe and cosy spot for its eggs at the end of the tunnel.</p> <p><a href="https://images.theconversation.com/files/433827/original/file-20211125-19-1en7ivf.jpeg?ixlib=rb-1.1.0&amp;q=45&amp;auto=format&amp;w=1000&amp;fit=clip"><img src="https://images.theconversation.com/files/433827/original/file-20211125-19-1en7ivf.jpeg?ixlib=rb-1.1.0&amp;q=45&amp;auto=format&amp;w=754&amp;fit=clip" alt="" /></a> <span class="caption">The tiny spotted pardalote is one of the smallest Australian birds, and measures about 8 to 10 centimetres in length.</span> <span class="attribution"><span class="source">Shutterstock</span></span></p> <p>Some birds, such as <a href="https://en.wikipedia.org/wiki/Australian_brushturkey">brush turkeys</a>, spend months building huge mounds on the ground which can heat up from the inside. The male turkey makes sure the ground is exactly the right temperature inside the mound, and then lets the female lay the eggs inside. He’ll take big mouthfuls of dirt surrounding the eggs to check it’s not too hot or cold.</p> <h2>What materials do they use?</h2> <p>Birds construct many different types of nests. There are floating nests, cups, domes, pendulums and basket-shaped nests. They can be made out of sticks, twigs, leaves, grasses, mosses or even mud.</p> <p><a href="https://www.birdlife.org.au/bird-profile/white-winged-chough">Magpie-larks</a> (also called “peewees”), <a href="https://birdlife.org.au/bird-profile/apostlebird">apostlebirds</a> and <a href="https://www.birdlife.org.au/bird-profile/white-winged-chough">choughs</a> make mud bowl nests that look like <a href="http://www.birdway.com.au/corcoracinae/apostlebird/source/apostlebird_100486.php">terracotta plant pots</a>. To do this, they gather mud and grasses in their beaks and shake it around to mix it with their saliva. They can then attach it to a branch and build upwards until the nest is complete.</p> <p>In fact, bird saliva is a really strong and sticky material to build nests with. Birds will often mix saliva and mud to make a type of glue. And some swiftlets make their nests entirely out of solidified saliva. People will even eat these nests in <a href="https://www.abc.net.au/news/2020-02-12/birds-nest-soup-bird-blown-to-australia/11953830">bird’s nest soup</a>!</p> <p><a href="https://images.theconversation.com/files/433823/original/file-20211125-23-7mufq4.jpeg?ixlib=rb-1.1.0&amp;q=45&amp;auto=format&amp;w=1000&amp;fit=clip"><img src="https://images.theconversation.com/files/433823/original/file-20211125-23-7mufq4.jpeg?ixlib=rb-1.1.0&amp;q=45&amp;auto=format&amp;w=754&amp;fit=clip" alt="" /></a> <span class="caption">Some swiftlets will make their nest entirely out of solidified saliva.</span> <span class="attribution"><span class="source">Shutterstock</span></span></p> <p>Willie wagtails use another type of glue - sticky spiderwebs. They “sew” grasses together using spider webs and the webs help keep the nests strong against wind and water, too. They have to perfect the technique of gathering the spiderweb though, otherwise it can get tangled in their feathers.</p> <p><a href="https://images.theconversation.com/files/433824/original/file-20211125-19-3ejs71.jpeg?ixlib=rb-1.1.0&amp;q=45&amp;auto=format&amp;w=1000&amp;fit=clip"><img src="https://images.theconversation.com/files/433824/original/file-20211125-19-3ejs71.jpeg?ixlib=rb-1.1.0&amp;q=45&amp;auto=format&amp;w=754&amp;fit=clip" alt="" /></a> <span class="caption">Willy wagtail’s nest is a neatly-woven cup of grasses, covered with spider’s web on the outside and is lined with soft grasses, hair or fur.</span> <span class="attribution"><span class="source">Shutterstock</span></span></p> <p>Magpies and crows, both common visitors to our gardens, are also clever nest builders. Not only can they expertly layer their sticks into a bowl, but they also use many human-made materials in their nests. You might find them using fabric, string or a wire to hold a nest together.</p> <p>Some birds such as red kites have even been seen “decorating” their nests with human rubbish. And Australian babblers line the inside of their nests with a thick wall of kangaroo poo, followed by soft fluff, to keep their chicks warm.</p> <p><a href="https://images.theconversation.com/files/433851/original/file-20211125-23-ljn8ga.jpeg?ixlib=rb-1.1.0&amp;q=45&amp;auto=format&amp;w=1000&amp;fit=clip"><img src="https://images.theconversation.com/files/433851/original/file-20211125-23-ljn8ga.jpeg?ixlib=rb-1.1.0&amp;q=45&amp;auto=format&amp;w=754&amp;fit=clip" alt="" /></a> <span class="caption">The chestnut-crowned babbler lives in the desert and can have up to 23 birds roosting in one nest.</span> <span class="attribution"><span class="source">Shutterstock</span></span></p> <h2>The building process</h2> <p>To actually weave the nests, birds will usually create a base by layering sticks or twigs in the place they want it. Then they use their beaks and feet to weave a chosen materials through, to hold the sticks in place.</p> <p>They can pull strips of material with their beaks over and under, just like weaving a rug. They can even tie knots! Nests can take a really long time to make, so they’re often reused year after year. Weaver birds are so good at weaving, they can build complex nests that <a href="https://www.wired.com/2014/08/absurd-creature-of-the-week-the-bird-that-builds-nests-so-huge-they-pull-down-trees/">cover entire trees</a> and have several chambers.</p> <p><iframe width="440" height="260" src="https://www.youtube.com/embed/kVlyUNRtQmY?wmode=transparent&amp;start=0" frameborder="0" allowfullscreen=""></iframe></p> <p><span class="caption">Check out this baya weaver bird build an incredible hanging nest using the weaving method. These birds are found across the Indian Subcontinent and Southeast Asia.</span></p> <p>To summarise, birds are really intelligent animals. They use their intelligence, along with their beaks and feet, to find the most clever ways to make nests with whatever materials are available. And they get better at this by learning from others, such as their parents or peers.<!-- Below is The Conversation's page counter tag. Please DO NOT REMOVE. --><img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important; text-shadow: none !important;" src="https://counter.theconversation.com/content/172391/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /><!-- End of code. If you don't see any code above, please get new code from the Advanced tab after you click the republish button. The page counter does not collect any personal data. More info: https://theconversation.com/republishing-guidelines --></p> <p><span><a href="https://theconversation.com/profiles/kiara-lherpiniere-1276069">Kiara L'Herpiniere</a>, PhD Candidate, Wildlife Biologist, <em><a href="https://theconversation.com/institutions/macquarie-university-1174">Macquarie University</a></em></span></p> <p>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/curious-kids-how-do-birds-make-their-nests-172391">original article</a>.</p> <p><em>Image: Shuttershock</em></p>

Family & Pets

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Studying wasp nests to put an age on art

<div> <div class="copy"> <p>Scientists believe well-known pre-historic rock paintings in Western Australia are younger than previously thought after dating the remnants of mud wasp nests found over and beneath them.</p> <p>The study, which is described in a <a rel="noopener" href="https://advances.sciencemag.org/content/6/6/eaay3922" target="_blank">paper</a> in the journal Science Advances, is one of few in recent decades, they say, to successfully use the novel and challenging <a rel="noopener" href="https://www.science.org.au/curious/earth-environment/how-mud-wasp-nests-help-delve-our-countrys-past" target="_blank">approach</a>.</p> <p><span style="font-family: inherit;">The <a rel="noopener" href="https://www.kimberleyfoundation.org.au/kimberley-rock-art/rock-art-sequence/gwionbradshaw-period/" target="_blank">Gwion</a> paintings of the Kimberley region have been notoriously hard to date, but evidence has suggested they were painted as far back as 17,000 years ago and over the span of several thousand years, pointing to a remarkably long-lived artistic tradition. </span></p> <p><span style="font-family: inherit;">Now a team led by Damien Finch from the University of Melbourne, with input from the Australian Nuclear Science and Technology Organisation, has presented its findings suggesting they were more likely painted during a narrow timeframe, about 12,400 years ago. </span></p> <p>To do this, they used radiocarbon dating, which can determine how long ago living material died.</p> <p><span style="font-family: inherit;">Working with the traditional owners of the Aboriginal sites, they analysed the nests of wasps that build mud nests on rock walls, sometimes incorporating charcoal from regular local brushfires. </span></p> <p>By dating the charcoal in the nests, they estimated when the nests were built. By dating nests that had been painted over, they determined the maximum age of the artwork. By dating nests on top of paintings, they found minimum ages.</p> <p>The possible age ranges of 19 of the 21 paintings studied overlap during a brief period between 12,000 and 13,000 years ago.</p> <p>Two samples fall outside of that range. One, which was found under a painting but dated at only 6,900 years old, is thought to be unreliable and possibly contaminated.</p> <p>However, the second was found over a painting and more reliably estimated to be 16,600 years old, complicating the findings. Finch and colleagues suggest more nest samples need to be identified and dated to get a clearer picture.</p> <p>Nevertheless, the results “confirm that rock art was being produced in the Kimberley during the terminal Pleistocene”, they write in their paper.</p> <p>“Notably, as the Gwion paintings are not the oldest in the relative stylistic sequence for this area, earlier styles must have an even greater antiquity.”</p> <p>Originally referred to as Bradshaw paintings, the Gwions are feature finely painted human figures in elaborate ceremonial dress, including long headdresses, and accompanied by material culture including boomerangs and spears.</p> <em>Image credits: Getty Images</em></div> <div id="contributors"> <p><em>This article was originally published on <a rel="noopener" href="https://cosmosmagazine.com/history/studying-wasp-nests-to-put-an-age-on-art/" target="_blank">cosmosmagazine.com</a> and was written by Nick Carne. </em></p> </div> </div>

Art

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African-American Google employee mistakenly escorted off premises

<p><span style="font-weight: 400;">Angel Onuoha was innocently riding his bicycle around the Mountain View, California, Google office where he worked as an associate product manager.</span></p> <p><span style="font-weight: 400;">He was shocked and confused when he was stopped by security and asked to provide proof of identification, after being reported by someone who thought he was trespassing on company grounds. </span></p> <p><span style="font-weight: 400;">“Riding my bike around Google’s campus and somebody called security on me because they didn’t believe I was an employee,” his recently shared viral tweet read. </span></p> <p><span style="font-weight: 400;">“Had to get escorted by two security guards to verify my ID badge.”</span></p> <blockquote class="twitter-tweet"> <p dir="ltr">A lot of people keep DM’ing me asking for the full story…<br /><br />They ended up taking my ID badge away from me later that day and I was told to call security if I had a problem with it. And that was after holding me up for 30 minutes causing me to miss my bus ride home <a href="https://t.co/UBzHDC1ugG">https://t.co/UBzHDC1ugG</a></p> — Angel Onuoha (@angelonuoha7) <a href="https://twitter.com/angelonuoha7/status/1440727156896661511?ref_src=twsrc%5Etfw">September 22, 2021</a></blockquote> <p><span style="font-weight: 400;">Angel’s ID badge was taken off him, as he was instructed to take up the matter with the campus security. </span></p> <p><span style="font-weight: 400;">“And that was after holding me up for 30 minutes causing me to miss my bus ride home,” he wrote. </span></p> <p><span style="font-weight: 400;">Almost 2,000 people responded to his original tweet as they expressed outrage at how such an incident, largely presumed to be racially motivated, had played out in 2021.</span></p> <p><span style="font-weight: 400;">One response was from a black man who said he previously worked in security at another Google campus. </span></p> <p><span style="font-weight: 400;">“Dawg I worked as security at Google and got security called on me,” he wrote.</span></p> <p><span style="font-weight: 400;">Angel was inundated with messages from individuals who had faced similar acts of discrimination in the workplace. </span></p> <p><span style="font-weight: 400;">A spokesperson for Google told </span><a href="https://www.forbes.com/sites/johanmoreno/2021/09/23/black-google-associate-product-manager-detained-by-security-because-they-didnt-believe-he-was-an-employee/?sh=1ee730742349"><span style="font-weight: 400;">Forbes</span></a> <span style="font-weight: 400;">the company was taking Mr Onuoha’s “concerns very seriously”.</span></p> <p><span style="font-weight: 400;">“We take this employee’s concerns very seriously, are in touch with him and are looking into this. We learned that the employee was having issues with his badge due to an administrative error and contacted the reception team for help,” the spokesperson said. </span></p> <p><span style="font-weight: 400;">“After they were unable to resolve the issue, the security team was called to look into and help resolve the issue.” </span></p> <p><span style="font-weight: 400;">The incident comes after Google’s public support for the Black Lives Matter movement, as they vowed to double its black workforce by 2025.</span></p> <p><span style="font-weight: 400;">Since its pledge however, black employees have increased by just one per cent, while white employees have declined 1.3 per cent.</span></p> <p><em><span style="font-weight: 400;">Image credit: Twitter @angelonuha7 / Shutterstock</span></em></p>

Technology

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No more negotiating: New rules could finally force Google and Facebook to pay for news

<p>Digital platforms such as Google and Facebook will be forced to compensate news media companies for using their content, under a <a href="https://theconversation.com/government-orders-mandatory-code-of-conduct-for-google-facebook-136694">new mandatory code</a> to be drawn up by Australia’s competition watchdog.</p> <p>The announcement, <a href="https://ministers.treasury.gov.au/ministers/josh-frydenberg-2018/media-releases/accc-mandatory-code-conduct-govern-commercial">made by Treasurer Josh Frydenberg today</a>, follows last year’s <a href="https://www.accc.gov.au/publications/digital-platforms-inquiry-final-report">landmark report</a> by the Australian Competition and Consumer Commission (ACCC), which found that news media businesses lack bargaining power in their negotiations with digital giants.</p> <p>News media businesses have complained for years that the loss of advertising revenue to Google and Facebook threatens their survival. The economic crash caused by the COVID-19 pandemic has turned that crisis into an emergency.</p> <p>Frydenberg <a href="https://www.abc.net.au/news/2020-04-20/facebook-and-google-to-face-mandatory-code-of-conduct/12163300">pledged</a> that the latest move will “level the playing field”, adding: “It’s only fair that those that generate content get paid for it.”</p> <p><strong>Power imbalance and tumbling profits</strong></p> <p>A mandatory code of conduct was not the original plan. When the ACCC released its report last year, it suggested that Google and Facebook should each negotiate with news media businesses to agree on how they should fairly share revenues generated when “the digital platform obtains value, directly or indirectly, from content produced by news media businesses”.</p> <p>The report concluded that tech giants are currently enjoying the benefit of news businesses’ content without paying for the privilege.</p> <p>For example, Google’s search results feature “news snippets” including content from news websites. Both Google and Facebook have quick-loading versions of news businesses’ articles that don’t display the full range of paid advertising that appears on the news websites’ own pages.</p> <p>These tactics make it less likely users will click through to the actual news website, thus depriving media businesses of the ensuing subscription and advertising revenue. Meanwhile, as the ACCC report showed, media companies’ share of advertising revenue has itself been slashed over the past decade, as advertisers flock to Google and Facebook.</p> <p><strong>Platforms giveth, platforms taketh away</strong></p> <p>Why don’t news businesses negotiate compensation payments with the platforms themselves, rather than asking the government to step in?</p> <p>The answer is the vast mismatch in bargaining power between Australian media companies and global digital giants.</p> <p>The ACCC report found that digital platforms such as Google and Facebook are “an essential gateway for news for many consumers”, meaning the news businesses rely on them for “referral traffic”.</p> <p>Put simply, much of news companies’ web traffic comes via readers clicking on links from Google and Facebook. But at the same time, these digital giants are dominating advertising revenues and using news companies’ content in competition with them.</p> <p><strong>The pandemic effect</strong></p> <p>The COVID-19 crisis has <a href="https://www.reuters.com/article/us-health-coronavirus-news-corp-idUSKCN21V24H">dealt a further blow</a> to media companies’ advertising revenue, as potential advertisers are forced into economic hibernation or simply go out of business.</p> <p>Content licensing payments from Google and Facebook could provide crucial alternative revenue. But if the payments are structured as a share of advertising income, the publishers will share in Google and Facebook’s own advertising downturn.</p> <p>The ACCC will not unveil the draft code until July, so it is still unclear how the obligations will be implemented or enforced.</p> <p>ACCC chief Rod Sims has <a href="https://www.afr.com/companies/media-and-marketing/big-tech-penalties-will-be-large-enough-to-matter-20200420-p54lce">pledged</a> that Australia’s mandatory code of conduct will feature “heavy penalties” for Facebook and Google if they fail to comply, involving fines that are “large enough to matter”.</p> <p><strong>How might Google and Facebook react?</strong></p> <p>The platforms could conceivably attempt to sidestep the compensation rules by no longer providing users with quick-loading versions of news articles. Google could also cease publishing news snippets at the top of its search results, as it did in Spain when faced with similar obligations.</p> <p>But there is <a href="http://www.newsmediaalliance.org/wp-content/uploads/2019/10/Final-Revised-Spain-Report_11-7-19.pdf">evidence</a>, albeit from <a href="https://www.newsmediaalliance.org/google-news-shutdown-in-spain-not-as-bad-as-google-would-have-you-believe/">news publishers themselves</a>, that this would merely drive readers directly to publishers’ websites.</p> <p>Australia’s decision to abandon negotiations in favour of mandatory rules stands in contrast to the situation in France, the European state most advanced in the implementation of a similar policy flowing from the European Union’s 2019 <a href="https://ec.europa.eu/digital-single-market/en/modernisation-eu-copyright-rules">Copyright Directive</a>.</p> <p>Earlier this month, France’s competition regulator <a href="https://www.autoritedelaconcurrence.fr/en/press-release/neighbouring-rights-autorite-has-granted-requests-urgent-interim-measures-presented">ordered Google</a> to negotiate in good faith with publishers on remuneration for use of content. Any agreed compensation will be backdated to October 24, 2019, when the Copyright Directive became law in France.</p> <p>Google’s previous solution had been to require that publishers license the use of snippets of their content to Google at no charge. But France’s watchdog argued this was an abuse of Google’s dominant position.</p> <p>Google and Facebook are likely to continue to resist these developments in Australia, knowing they could be copied in other jurisdictions.</p> <p>Even if they do cooperate, it’s not yet clear that “levelling the playing field” with the tech giants will make any difference to the collapse of media advertising revenue driven by the coronavirus.</p> <p><em>Written by Katharine Kemp and Rob Nicholls. Republished with permission of <a href="https://theconversation.com/no-more-negotiating-new-rules-could-finally-force-google-and-facebook-to-pay-for-news-136718">The Conversation.</a> </em></p>

Movies

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Woman ordered to pay $530,000 for “plainly untrue” google review

<p>We’re living in a time when it’s easy to get caught up in our emotions, and the moment, to consider ourselves ‘untouchable’ keyboard warriors and let our fingertips do the talking with smart remarks online.</p> <p>But, if ever there was a good reason to learn to pause, take a breath and consider very carefully what you’re posting, it’s a <a href="https://www.sydneycriminallawyers.com.au/courts-we-attend/supreme-court-of-nsw-king-street-courthouse-corner-king-and-elizabeth-streets-sydney/">New South Wales Supreme Court</a> Ruling which orders a Sydney woman to pay over half a million dollars in damages plus legal costs to a Sydney doctor she left an untrue Google review for</p> <p><strong>The case</strong></p> <p>Cynthia Imisides had already received a nose-job when well-known plastic surgeon, Kourosh Tavakoli, operated on her nose and cheeks in February 2017. She subsequently failed to attend all but one follow-up appointment before telling her ex-husband she’d been charged for an unperformed cheek reduction.</p> <p>Mr Imsides then posted an untrue negative 1-star Google review online.</p> <p><a href="https://www.austlii.edu.au/cgi-bin/viewdoc/au/cases/nsw/NSWSC/2019/717.html">The Supreme Court of New South Wales heard</a> that Dr Tavakoli, who bills himself as “the household name for elite plastic surgery in Australia” posts before and after pictures of his “mummy makeovers” to his 156,000 Instagram followers and that his surgery has a 4.8-star rating on Google, over more than 100 reviews.</p> <p>But in the week after Ms Imisides’ review went live on Google, traffic to Dr Tavakoli’s website dropped almost 25 per cent. Her review stated she was “extremely unhappy” with her nose job and alleged the surgeon had no morals.</p> <p>Ms Imisides left the review up for three weeks, refused to apologise, and threw out court documents served upon her.</p> <p>A week before the trial was due to begin in November 2018, she posted a second, untrue Google review in contravention of court orders.</p> <p>When told by Mr Tavakoli’s lawyers to take the review down, she told them to “piss off” and that “I don’t have any money to give you greedy people”.</p> <p>On 24 June 2019, Justice Rothman ruled that the allegations made by Ms Imisides were “plainly untrue”, “extremely serious”, went to the heart of Dr Tavakoli’s exemplary reputation and caused “more than significant” hurt to his feelings.</p> <p><strong>The orders</strong></p> <p>His Honour then made the following orders:</p> <p>“(1) The first defendant [Ms Imisides] shall pay the plaintiff $530,000 as damages for the defamation published and referred to in these reasons for judgment as the first Google review;</p> <p>(2) The first defendant shall pay the plaintiff’s costs of and incidental to the proceedings on an indemnity basis;</p> <p>(3) Neither defendant [being Ms Imisides and her ex-husband] shall create a website of or concerning the plaintiff;</p> <p>(4) The first defendant shall not publish or allow to remain published her Google review, first published on or about 1 September 2017;</p> <p>(5) Neither defendant shall publish, re-publish or allow to remain published any matter containing imputations in or to the effect of those contained in the Google review and prescribed in [40] of the Statement of Claim, filed in these proceedings on 15 September 2017, being:</p> <p>(a) any allegation that the plaintiff charged the first defendant for a buccal fat procedure that he did not perform;</p> <p>(b) any allegation that the plaintiff acted improperly in relation to a buccal fat procedure for the first defendant;</p> <p>(c) any allegation that the plaintiff acted incompetently in relation to a buccal fat procedure for the first defendant;</p> <p>(6) The first defendant shall pay to the plaintiff interest at 4% per annum on $530,000 from 1 September 2017 until the date of judgment and thereafter…</p> <p>(7) The first defendant shall pay to the plaintiff interest on the costs…”</p> <p>But this is not the first time a negative Google review has <a href="https://www.sydneycriminallawyers.com.au/blog/dentist-sues-over-google-review/">resulted in a defamation suit</a>, and it’s unlikely to be the last.</p> <p><strong>Civil defamation in New South Wales</strong></p> <p>The  <a href="http://www6.austlii.edu.au/cgi-bin/viewdb/au/legis/nsw/consol_act/da200599/">Defamation Act 2005</a> (NSW) is essentially replicated in all Australian jurisdictions.</p> <p>For defamation to be established, three distinct components need to be proved on the balance of probabilities.</p> <p>They are:</p> <p><strong>1. Publication</strong></p> <p>Material must be published (which includes orally communicated) to at least one person other than the party who was allegedly defamed.</p> <p>The publication can occur orally or in writing, whether in print, by way of digital communication or otherwise, but it must be comprehensible.</p> <p><strong>2. Identification</strong></p> <p>The material must identify the allegedly defamed person either directly or indirectly, or be capable of doing so.</p> <p><strong>3. Defamatory meaning</strong></p> <p>The material must be ‘defamatory’ to the ‘ordinary, reasonable’ person, which means it must be likely to:</p> <ul> <li>cause the person to be shunned, shamed or avoided by others;</li> <li>adversely affect the reputation of the person in the minds of right-thinking members of society; or</li> <li>damage to the person’s professional reputation by suggesting a lack of qualifications, skills, knowledge, capacity, judgment or efficiency in his or her trade, business or profession.</li> </ul> <p><strong>Defences to civil defamation</strong></p> <p>Part 4, Division 2 of the Defamation Act lists the statutory defences, which <a href="http://www6.austlii.edu.au/cgi-bin/viewdoc/au/legis/nsw/consol_act/da200599/s24.html">section 24</a> makes clear are additional to any others available under the law.</p> <p>The statutory defences are:</p> <p>1. Justification</p> <p>2. Contextual truth</p> <p>3. Absolute privilege</p> <p>4. Public documents</p> <p>5. Fair reporting of proceedings of public concern</p> <p>6. Qualified privilege</p> <p>7. Honest opinion</p> <p>8. Innocent dissemination</p> <p>9. Triviality</p> <p>Time limit</p> <p><a href="http://www5.austlii.edu.au/au/legis/nsw/consol_act/la1969133/s14b.html">Section 14B</a> of the Limitation Act 1969 (NSW) provides that ‘an action on a cause of action for defamation is not maintainable if brought after the end of a limitation period of 1 year running from the date of the publication of the matter complained of.’</p> <p>However, <a href="http://www5.austlii.edu.au/au/legis/nsw/consol_act/la1969133/s56a.html">section 56A(2)</a> allows a court to extend that period to up to 3 years from the date of publication, ‘if satisfied that it was not reasonable in the circumstances for the plaintiff to have commenced an action in relation to the matter complained of within 1 year from the date of the publication’.</p> <p>Parties that cannot be defamed</p> <p>Under <a href="http://www6.austlii.edu.au/cgi-bin/viewdoc/au/legis/nsw/consol_act/da200599/s9.html">section 9</a> of the Defamation Act, companies with 10 or more employees or which are formed for something other than financial gain cannot sue for defamation.</p> <p><a href="http://www6.austlii.edu.au/cgi-bin/viewdoc/au/legis/nsw/consol_act/da200599/s10.html">Section 10</a> precludes anyone from asserting, continuing or enforcing a cause of action for defamation in respect of a deceased person, or from suing the estate of a deceased person.</p> <p><strong>Offers to make amends</strong></p> <p>Part 3, Division 1 of the Act sets out a range of rules for resolving civil defamation disputes without litigation.</p> <p>The part provides mechanisms for <a href="http://www6.austlii.edu.au/cgi-bin/viewdoc/au/legis/nsw/consol_act/da200599/s13.html">offering to make amends</a> without resorting to legal proceedings, and makes clear that any such offers, or admissions made therein, <a href="http://www6.austlii.edu.au/cgi-bin/viewdoc/au/legis/nsw/consol_act/da200599/s19.html">are not admissible</a> in any ensuing litigation.</p> <p><strong>Criminal defamation in New South Wales</strong></p> <p><a href="http://www5.austlii.edu.au/au/legis/nsw/consol_act/ca190082/s529.html">Section 529</a> of the Crimes Act 1900 (NSW) sets out the offence of ‘criminal defamation’.</p> <p>Section 529(3) prescribes a maximum penalty of 3 years’ imprisonment for anyone who, without lawful excuse, publishes a matter defamatory of another living person:</p> <p>(a) knowing the matter to be false, and</p> <p>(b) with intent to cause serious harm to the victim or any other person or being reckless as to whether such harm is caused</p> <p>Section 529(4) provides that a defendant has a lawful excuse lawful excuse if, and only if, he or she would, having regard only to the circumstances happening before or at the time of the publication, have had a defence for the publication if the victim had brought civil proceedings for defamation.</p> <p>Section 529(5) makes clear that the prosecution bears the onus of negativing the existence of a lawful excuse if, and only if, evidence directed to establishing the excuse is first adduced by or on behalf of the defendant.</p> <p>Section 529(7) requires the consent of the DPP before proceedings can be instituted under the section, and subsection (9) states that a prosecution under the section does not a bar civil defamation proceedings.</p> <p><em>Written by Sonia Hickey. Republished with permission of </em><a href="https://www.sydneycriminallawyers.com.au/blog/woman-ordered-to-pay-530000-for-plainly-untrue-google-review/"><em>Sydney Criminal Lawyers.</em></a></p> <p><em> </em></p>

Beauty & Style

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Your retirement nest egg needs to last longer than you think

<p>Although the number you’ve got in your current retirement nest egg is looking pretty solid, new research by the Actuaries Institute suggests that rapidly increasing lifespans means that age 100 should be the new target for retirees.</p> <p>Currently life expectancy tables used by many financial planners use 87 for women, but the Actuaries Institute says that people should consider “how much this will increase between now and the time someone retiring today reaches their 80s or 90s”.</p> <p>“A healthy, well-educated female entering retirement today, who had an affluent career and enjoys a good quality of housing, is just as likely to live beyond age 100 as she is to die before age 80,” it says.</p> <p>Actuary Jim Hennington, author of the research note and a member of the Actuaries Institute Retirement Incomes Working Group, says that there is an uncertainty as to how long today’s retirees would live.</p> <p>“Everyone wants to make sure their savings last,” he said to <em><a href="https://www.news.com.au/finance/money/heres-how-long-your-retirement-nest-egg-needs-to-last/news-story/ac98be3e3826056ad0cafbbd5f736675">news.com.au</a></em>.</p> <p>“Fifty per cent of us live longer than our life expectancy. Some live all the way to age 105 and beyond.</p> <p>“A couple of average health aged 65 and 62 need a plan that lasts until the male is 100 in order that they can be 80 per cent sure their financial plan meets their potential lifespan.”</p> <p>Planning for Prosperity adviser Bob Budreika agreed with the note.</p> <p>“When you say 100 to people they laugh and say ‘nobody in my family has reached that’,” he said.</p> <p>Ideally, you would have enough cash reserves to last you until 100, but if you don’t have this saved up, there are options available including the pension.</p> <p>“It’s not all doom and gloom,” Mr Budreika said.</p>

Money & Banking

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Doctor Google makes people anxious

<p>It’s a busy day at the office and your left eye has been twitching uncontrollably. So, out of curiosity and irritation you Google it.</p> <p>Various benign causes — stress, exhaustion, too much caffeine — put your mind at ease initially. But you don’t stop there. Soon, you find out eye twitches could be a symptom of something more sinister, causing you to panic.</p> <p>You ruin the rest of the day trawling through web pages and forums, reading frightening stories convincing you you’re seriously ill.</p> <p>For many of us, this cycle has become common. It can cause anxiety, unnecessary contact with health services, and at the extreme, impact our day-to-day functioning.</p> <p>But our <a href="https://www.sciencedirect.com/science/article/pii/S088761851930218X">recently published research</a>, the first to evaluate online therapy for this type of excessive and distressing health-related Googling, shows what can help.</p> <p><strong>I’ve heard of ‘cyberchondria’. Do I have it?</strong></p> <p>The term “cyberchondria” describes the anxiety we experience as a result of excessive web searches about symptoms or diseases.</p> <p>It’s not an official diagnosis, but is an obvious play on the word “hypochondria”, now known as health anxiety. It’s obsessional worrying about health, online.</p> <p><a href="https://link.springer.com/content/pdf/10.1007%2Fs11920-008-0050-1.pdf">Some argue</a> cyberchondria is simply a modern form of health anxiety. But <a href="https://www.ncbi.nlm.nih.gov/pubmed/27497667">studies show</a> even people who don’t normally worry about their health can see their concerns spiral after conducting an initial web search.</p> <p>Cyberchondria <a href="https://www.tandfonline.com/doi/full/10.1586/ern.12.162">is when searching is</a>:</p> <ul> <li> <p><strong>excessive:</strong> searching for too long, or too often</p> </li> <li> <p><strong>difficult to control:</strong> you have difficulty controlling, stopping or preventing searching</p> </li> <li> <p><strong>distressing:</strong> it causes a lot of distress, anxiety or fear</p> </li> <li> <p><strong>impairing:</strong> it has an impact on your day-to-day life.</p> </li> </ul> <p>If this sounds like you, there’s help.</p> <p><strong>We tested an online therapy and here’s what we found</strong></p> <p>We tested whether <a href="https://thiswayup.org.au/how-we-can-help/courses/health-anxiety-course/">an online treatment program</a> helped reduce cyberchondria in 41 people with severe health anxiety. We compared how well it worked compared with a control group of 41 people who learned about general (not health-related) anxiety and stress management online.</p> <p>The online treatment is based on cognitive behaviour therapy (CBT), which involves learning more helpful ways of thinking and behaving.</p> <p>Participants completed six online CBT modules over 12 weeks, and had phone support from a psychologist.</p> <p>The <a href="https://www.sciencedirect.com/science/article/pii/S2214782916300379">treatment</a> explained how excessive web searching can become a problem, how to search about health effectively, and practical tools to prevent and stop it (see a summary of those tips below).</p> <p>We found the online treatment was more effective at reducing cyberchondria than the control group. It helped reduce the frequency of online searches, how upsetting the searching was, and improved participants’ ability to control their searching. Importantly, these behavioural changes were linked to improvements in health anxiety.</p> <p>Although we don’t know whether the program simply reduced or completely eliminated cyberchondria, these findings show if you’re feeling anxious about your health, you can use our practical strategies to reduce anxiety-provoking and excessive online searching about health.</p> <p><strong>So, what can I do?</strong></p> <p>Here are our top tips from the treatment program:</p> <ul> <li> <p><strong>be aware of your searching</strong>: don’t just search on auto-pilot. Take note of when, where, how often, and what you are searching about. Keep track of this for several days so you can spot the warning signs and high-risk times for when you’re more likely to get stuck in excessive searching. Then you can make a plan to do other things at those times</p> </li> <li> <p><strong>understand how web searches work</strong>: web search algorithms are mysterious beasts. But top search results are not necessarily the most likely explanation for your symptoms. Top search results are often click-bait – the rare, but fascinating and horrific stories about illness we can’t help clicking on (not the boring stuff)</p> </li> <li> <p><strong>be smart about how you search:</strong> limit yourself to websites with reliable, high quality, balanced information such as government-run websites and/or those written by medical professionals. Stay away from blogs, forums, testimonials or social media</p> </li> <li> <p><strong>challenge your thoughts by thinking of alternative explanations for your symptoms:</strong> for example, even though you think your eye twitch might be motor neuron disease, what about a much more likely explanation, such as staring at the computer screen too much</p> </li> <li> <p><strong>use other strategies to cut down, and prevent you from searching:</strong> focus on scheduling these activities at your high-risk times. These can be absorbing activities that take your focus and can distract you; or you can use relaxation strategies to calm your mind and body</p> </li> <li> <p><strong>surf the urge:</strong> rather than searching straight away when you feel the urge to search about your symptoms, put it off for a bit, and see how the urge to search reduces over time.</p> </li> </ul> <p>And if those don’t help, consult a doctor or psychologist.</p> <p><em>If this article has raised issues for you, or if you’re concerned about someone you know, check out resources about anxiety from <a href="https://www.beyondblue.org.au/the-facts/anxiety">Beyond Blue</a>, the Centre for Clinical Interventions <a href="https://www.cci.health.wa.gov.au/Resources/Looking-After-Yourself/Health-Anxiety">Helping Health Anxiety</a> workbook or <a href="https://thiswayup.org.au/">THIS WAY UP</a> online courses.</em><!-- Below is The Conversation's page counter tag. Please DO NOT REMOVE. --><img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important; text-shadow: none !important;" src="https://counter.theconversation.com/content/125070/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /><!-- End of code. If you don't see any code above, please get new code from the Advanced tab after you click the republish button. The page counter does not collect any personal data. More info: http://theconversation.com/republishing-guidelines --></p> <p><em><a href="https://theconversation.com/profiles/jill-newby-193454">Jill Newby</a>, Associate Professor and MRFF/NHMRC Career Development Fellow, <a href="http://theconversation.com/institutions/unsw-1414">UNSW</a> and <a href="https://theconversation.com/profiles/eoin-mcelroy-858386">Eoin McElroy</a>, Lecturer in Psychology, Department of Neuroscience, Psychology and Behaviour, <a href="http://theconversation.com/institutions/university-of-leicester-1053">University of Leicester</a></em></p> <p><em>This article is republished from <a href="http://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/if-dr-googles-making-you-sick-with-worry-theres-help-125070">original article</a>.</em></p>

Technology

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How to protect your nest egg

<p><span style="font-weight: 400;">Building up your super and other investment assets to fund your retirement is an essential financial goal for all of us. But what about after you retire?</span></p> <p><span style="font-weight: 400;">After you cross that line and begin relying on investment income rather than earned income, your financial decisions can have a much more profound effect on your day-to-day lifestyle and your longer term financial wellbeing.</span></p> <p><span style="font-weight: 400;">Protecting and preserving your retirement income, assets, and estate from the threats of tax, inflation and potential financial crises takes some serious thinking and careful planning. Let’s take a look at some of the big issues you should consider.</span></p> <p><strong>Preserving capital </strong></p> <p><span style="font-weight: 400;">Deciding where to invest your retirement savings is primarily driven by the dual objectives of generating enough income to live on and making sure your investment capital lasts the distance of a retirement that may be 20 or 30 years — or longer. Balancing these objectives is critical and can be quite daunting.</span></p> <p><span style="font-weight: 400;">At one extreme, you might choose to stick with high capital security and a predictable income from fixed interest investments. While this can be a “safe” option, it carries the risk of inflation eating into the value of your capital. In a low interest environment, the income returns are also not too flash.</span></p> <p><span style="font-weight: 400;">At the other end of the scale, you could seek greater income flow from share investments that pay high dividends and have the added bonus of potential capital growth, but this comes with the corresponding risk of market fluctuations.</span></p> <p><span style="font-weight: 400;">The answer for most people will be somewhere in between, and will depend on many personal and unique factors. There is no one-size-fits-all answer. The important thing is not to become too preoccupied with the income side of the equation: by remaining diligent about the need to protect our capital, we can cope with the demands of funding an adequate retirement lifestyle over the long term. This is where having a financial planner you can trust is so valuable for objectively assessing your situation and needs, and balancing them with a sophisticated strategy that addresses your goals.</span></p> <p><strong>What about tax? </strong></p> <p><span style="font-weight: 400;">Tax efficiency is an important component of nest egg protection and the tax implications of any investment choice must be considered in making a balanced investment decision. This doesn’t mean that we should blindly make decisions based purely on tax minimisation, but we do need to take tax into account as part of our strategy.</span></p> <p><span style="font-weight: 400;">In relation to retirement, this may mean considering such things as income stream investments and the benefits of dividend imputation from shares or managed funds. It can even affect decisions made in relation to maintaining or downsizing your home. Again, some informed professional advice can help weigh up the tax issues as part of a holistic strategy.</span></p> <p><strong>Disaster-proofing your plans </strong></p> <p><span style="font-weight: 400;">Making contingency plans for sudden mishaps is a crucial part of the protection puzzle. While insurance needs will certainly be reduced as family leave the nest and debts decrease, there is still a very strong case for maintaining some level of coverage against death and disability: to provide a legacy to your surviving spouse and children, to cover funeral expenses, and to fund any final legal and tax expenses. Healthcare costs will rise as you age, so private health insurance is also something you should not let lapse.</span></p> <p><strong>Protecting your estate </strong></p> <p><span style="font-weight: 400;">Beyond your own retirement needs and lifestyle, you may also need to consider how your assets will be best preserved and passed on to the younger generations in your family. Estate planning is an essential component of your overall financial plan, to ensure that:</span></p> <ul> <li style="font-weight: 400;"><span style="font-weight: 400;">wills are properly drawn up,</span></li> <li style="font-weight: 400;"><span style="font-weight: 400;">powers of attorney are put in place to ensure decision-making continuity,</span></li> <li style="font-weight: 400;"><span style="font-weight: 400;">trusts structures are implemented to protect from unnecessary tax liabilities and from misuse of inheritances, and</span></li> <li style="font-weight: 400;"><span style="font-weight: 400;">superannuation and insurances beneficiary arrangements are properly organised to make sure that benefit payouts are made promptly, and are directed in accordance with your wishes.</span></li> </ul> <p><span style="font-weight: 400;">The professionals you consult about such issues, including your legal adviser and financial planner will play a critical role in helping you cope with what can be a highly complex set of challenges — even for relatively modest estates.         </span></p> <p><em><span style="font-weight: 400;">Republished with permission of </span><a href="https://www.wyza.com.au/articles/money/financial-planning/how-to-protect-your-nest-egg.aspx"><span style="font-weight: 400;">Wyza.com.au.</span><span style="font-weight: 400;"> </span></a></em></p>

Legal

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Local authorities beg tourists not to use Google Maps to find “hidden beaches”

<p><span style="font-weight: 400;">A spike in lost visitors has prompted the local authorities in Sardinia, Italy to warn tourists about using Google Maps to find hidden beaches.</span></p> <p><span style="font-weight: 400;">The island is famed for its white sand coves and stretches of sand.</span></p> <p><span style="font-weight: 400;">Local authorities have recently reported a spike in lost tourists who have tried to find the island’s “hidden beaches” but ended up on dangerous cliff edges instead.</span></p> <p><span style="font-weight: 400;">Emergency services and the fire brigade are regularly called out to rescue tourists who find themselves stuck on dirt tracks. </span></p> <p><span style="font-weight: 400;">A family who were travelling in a Porsche were forced to abandon the vehicle after nearly falling off a cliff.</span></p> <p><span style="font-weight: 400;">144 vehicles have been rescued in two year and authorities are now putting up signs that advise visitors not to use Google Maps on the island.</span></p> <p><span style="font-weight: 400;">Baunei Mayor Salvatore Corrias told </span><a href="https://edition.cnn.com/travel/article/sardinia-google-maps-tourists-lost-baunei/index.html"><span style="font-weight: 400;">CNN</span></a><span style="font-weight: 400;"> that the signs are in both English and Italian, warning of the road tracks.</span></p> <p><span style="font-weight: 400;">He said Google Maps were "misleading" drivers and often took cars on "unpassable tracks".</span></p> <p><span style="font-weight: 400;">A Google Maps spokesperson told </span><a href="https://www.thesun.co.uk/travel/10147431/tourists-google-maps-sardinia-beaches/"><span style="font-weight: 400;">Sun Online Travel</span></a><span style="font-weight: 400;">: </span></p> <p><span style="font-weight: 400;">"We're aware of an issue in Sardinia where Google Maps is routing some drivers down roads that can be difficult to navigate due to their terrain.</span></p> <p><span style="font-weight: 400;">"We're currently working with the local government to resolve the issue and are investigating ways we can better alert drivers about these types of roads."</span></p>

Travel Trouble

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How to handle a wasp infestation

<p>Wasps are common in all regions across Australia. They build nests on buildings away from direct sunlight and cause a lot of damage in the process. While most homeowners might ignore wasps, it is important to appreciate the risk they pose to your home’s occupants and the structure itself.</p> <p>They have an extremely painful sting which contains histamine. This chemical can cause allergic reactions in some people leading to health complications such as anaphylaxis or death. Stings from bees and wasps caused 12,351 admissions and 27 fatalities in Australia. It is for these reasons that you should learn more about <span><a href="https://www.dawsonspest.com.au/pest-library/bees-wasps">wasp nest removal</a></span>.</p> <p>This article highlights a few safe techniques of nest removal from your home or business structure. Read on.</p> <p><strong>Identify a wasp infestation</strong></p> <p>It is easy to find out if your home has a wasp infestation but finding a wasp is another matter altogether. These insects try to hide their nests away from sight where they can live undisturbed. You can check under an overhang where wasps stay away from the rain. They can also build under an awning, wood deck, soffit, railing or large tree branch in your compound.</p> <p>If you have noted wasps buzzing around your compound, it is important to call a licensed pest removal technician who has the skills and equipment to do the job.</p> <p><strong>Stay away from a wasp nest</strong></p> <p>If you happen to notice a wasp nest, it is advisable to stay away from it and remove your pets from the area. Many homeowners have ended up in emergency rooms while trying to locate wasp nests and remove them. It is important to note that wasps won’t attack unless they feel threatened.</p> <p>If you agitate them when trying to remove the nest, you will end up badly hurt or worse. To make matters worse, wasps release chemicals that attract others nearby and this can lead to a fatal situation especially if you have kids around.</p> <p>Once you identify a wasp nest, call a licensed wasp nest removal technician who has the prerequisite skills and equipment to do the job safely.</p> <p><strong>Professional wasp removal</strong></p> <p>The best thing about professional nest removal is that the pest control company knows how to handle the situation. They have experience dealing with different wasps in the area and will know which techniques to use. Without such skills, you might end up making things worse and injuring yourself.</p> <p>The nest removal process begins with a thorough inspection of your property, starting with the area where you spotted the nest. The pest control technicians wear protective gear to avoid injuries, and they use eco-friendly chemicals to eliminate the infestation and remove the wasp nest.</p> <p>When dealing with wasps, you need to appreciate that nest removal is not enough, hence the use of pesticides to get rid of the infestation. The best pest control service carries insurance for your protection and protection of their workers and you will enjoy peace of mind when they work.</p> <p><em><span>Written by Handyman Authors. Republished with permission of </span></em><span><a href="http://www.handyman.net.au/nest-no-more-how-handle-wasp-infestation"><em>Handyman</em></a><em>.</em></span></p>

Home & Garden

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Protect your online digital privacy by learning about “fingerprinting”

<p><span style="font-weight: 400;">The ad tech industry is always trying to find ways to monitor your digital activities as the more they know, the more money ends up in their pockets.</span></p> <p><span style="font-weight: 400;">This has led to the rise of “fingerprinting”, which has security researchers worried.</span></p> <p><span style="font-weight: 400;">Although it sounds harmless, “fingerprinting” involves looking at the many characteristics of your mobile device or computer, such as the screen resolution or operating system.</span></p> <p><span style="font-weight: 400;">According to </span><em><a href="https://www.nytimes.com/2019/07/03/technology/personaltech/fingerprinting-track-devices-what-to-do.html"><span style="font-weight: 400;">The New York Times</span></a></em><span style="font-weight: 400;">, as soon as they have enough details, they can use this information to pinpoint and follow your online habits, such as how you browse the web and use applications.</span></p> <p><span style="font-weight: 400;">Once enough device characteristics are known, the theory goes that the data can be assembled into a profile that helps identify you the way a fingerprint would.</span></p> <p><span style="font-weight: 400;">“Get enough of those attributes together and it creates essentially a bar code,” said Peter Dolanjski, a product lead for Mozilla’s Firefox web browser, who is studying fingerprinting. “That bar code is absolutely uniquely identifiable.”</span></p> <p><span style="font-weight: 400;">The bad news? The technique happens invisibly in the background in apps and websites, which makes it harder to combat.</span></p> <p><span style="font-weight: 400;">As it’s a new way of discovering your web habits, the ways to protect yourself are limited as proper solutions are still in development.</span></p> <p><span style="font-weight: 400;">However, Apple users have protections in Safari for computers and mobile devices, which makes your device look the same to a website by sharing the bare minimum of information that the site needs to load properly.</span></p> <p><span style="font-weight: 400;">For Android and Windows users, the safety recommendation is to use the Firefox web browser, as Mozilla introduced fingerprint blocking in its browser this year. However, the feature can prevent some content from loading on certain websites.</span></p> <p><span style="font-weight: 400;">Unfortunately, if you’re a Google Chrome user, Google hasn't announced any defence system as of yet, but it has plans to release protections in the future. </span></p>

Technology