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Independent you: preventing, and recovering from, elder abuse

<p>From implementing safeguards to stop it from beginning to taking back control if it does, there is a lot of power in your hands to avoid elder abuse. </p> <p>Previously, we explored the warning signs of elder abuse and how <a href="https://www.oversixty.com.au/finance/retirement-income/are-you-a-victim-of-elder-abuse-without-even-realising-it">it is possible to be a victim without even realising it</a>.</p> <p>And with more wealth owned by people over 60 now than ever before, the potential for abuse only continues to grow.</p> <p>So, how can you prevent elder abuse happening to you? And if you are already experiencing it, what can you do to regain control over your finances, independence and wellbeing? </p> <p><strong>Prevention better than cure</strong></p> <p>The best way to avoid the impacts of elder abuse is to protect yourself against it beginning in the first place.</p> <p>Awareness is the first step, so having <a href="https://www.oversixty.com.au/finance/retirement-income/are-you-a-victim-of-elder-abuse-without-even-realising-it">read this article and knowing the warning signs</a>, you’re already ahead of the game!</p> <p>Other preventative actions include:</p> <ul> <li>Maintaining contact: social interactions are important not just for warding off loneliness but providing access to other points of view and avenues for support. </li> <li>External advisers: engage your own advisers – don’t simply employ who someone tells you to. They should be an impartial, qualified set of eyes to monitor things for you and point out anything that doesn’t seem right. This includes a financial advisor, lawyer, accountant, doctor and so on. A support person attending appointments with you may give you extra assurance.</li> <li>Power of attorney/guardianship: nominate multiple people, so that no one individual has all the say. It can be useful to include someone who is not a relative for impartiality, such as a trusted friend or your lawyer. </li> <li>Superannuation beneficiaries: super is separate from your will, but beneficiary nominations can only be spouse, child, dependent or interdependent otherwise it will go to you Will.  In your Will you can direct to other people or charities. Some beneficiaries lapse, so will need to be renewed.</li> <li>Wills: review your will to ensure it reflects YOUR wishes, not someone else’s. People can jostle over not only their own inheritance but may try to influence you to leave others out. </li> <li>Documenting everything: keep a written record, especially where money is concerned – such as acting as Bank of Mum and Dad for adult kids to purchase property. Outline how much is given, what if any interest/repayments are expected and when, and what happens if their relationship subsequently breaks down.</li> <li>Encouraging independence: people who have come to expect handouts can become abusive if those handouts stop or requests for more are denied. Support and encourage others, especially your kids, to be financially independent and self-sufficient.</li> </ul> <p><strong>Taking back control</strong></p> <p>Sadly, prevention is no longer an option for an <a href="https://www.aihw.gov.au/family-domestic-and-sexual-violence/population-groups/older-people?xd_co_f=YjAzZDU4YTUtYzA5YS00YTNkLWJkNDQtNjdiZTM5ZmY5ZjQx#abuse">estimated 598,000 Australians</a> already experiencing elder abuse. However, it is still possible to break the cycle.</p> <p>Don’t be embarrassed or stick your head in the sand hoping things will improve. You have done nothing wrong. You are entitled to enjoy your retirement years.</p> <p>To take back control over your affairs, your wellbeing and your independence:</p> <ul> <li>Ensure your physical safety first and foremost.</li> <li>Seek medical attention for your physical and mental health (the latter is crucial for making good decisions around the other points on this list).</li> <li>Get support from another relative, close friend, neighbour, or other trusted person. Don’t be alone.</li> <li>Secure a roof over your head. Having a stable place to live gives you the security and focus to tackle other concerns.</li> <li>Freeze access to your money – bank accounts, credit cards etc. This will stop (further) unauthorised withdrawals or purchases being charged to you.</li> <li>Seek professional advice. Your financial adviser, tax accountant and lawyer will be able to guide you through protecting your home, money, guardianship and estate planning matters.</li> <li>Make informed changes. Don’t do anything rashly – make necessary changes once you have sought independent advice and considered your options. This may involve making changes to your power of attorney, will, superannuation, bank accounts, even your phone number in extreme cases.</li> <li>Consider counselling. Your abuser may not realise the severity of their actions. An independent counsellor may be able to help them see this and change their ways, and ultimately salvage your relationship.</li> </ul> <p>If you or someone you know is experiencing elder abuse, seek help straight away. Speak to a trusted relative or friend. Seek independent legal and financial advice about your affairs. Or call the government’s free elder abuse line on 1800 353 374. And if your life is in danger, call triple zero (000) immediately.</p> <p><strong><em>Helen Baker is a licensed Australian financial adviser and author of On Your Own Two Feet: The Essential Guide to Financial Independence for all Women. Helen is among the 1% of financial planners who hold a master’s degree in the field. Proceeds from book sales are donated to charities supporting disadvantaged women and children. Find out more at <a href="http://www.onyourowntwofeet.com.au/">www.onyourowntwofeet.com.au</a></em></strong></p> <p><strong><em>Disclaimer: The information in this article is of a general nature only and does not constitute personal financial or product advice. Any opinions or views expressed are those of the authors and do not represent those of people, institutions or organisations the owner may be associated with in a professional or personal capacity unless explicitly stated. Helen Baker is an authorised representative of BPW Partners Pty Ltd AFSL 548754.</em></strong></p> <p><em>Image credits: Getty Images </em></p>

Caring

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Tips to cope with losing independence with age

<p>There are many fantastic things that come with getting older, but sadly there are also some not-so-welcome side effects. For many people, loss of independence is definitely the worst. In fact, a UK study found more people fear losing their self-sufficiency than death.</p> <p>Whether because of health issues, mobility problems or something else entirely, many elderly people can find themselves completely reliant on others in their old age. However, it’s important to help them understand that losing their independence doesn’t have to mean losing their quality of life.</p> <p>First of all, take some time to put yourself in their shoes and really understand what it’s like. Just like with any loss, coming to terms with the loss of self-sufficiency is a process. Many people feel afraid of their newfound vulnerability, angry at their situation, confused about how to move forward and even guilty at the thought of needing help. But it’s essential that even during this difficult transition period to encourage them not to isolate themselves.</p> <p><strong>Offer help in whatever way you can</strong></p> <p>Whether it’s driving them around, helping them with their groceries or just lending an ear, even the smallest deed can help make your loved one’s life a little easier. Understandably, many people who suddenly find themselves reliant of others can take a stubborn stance against accepting help. </p> <p>Instead of berating them, consider why they might be apprehensive to take a hand. Be patient and explain that you don’t pity them, but rather just want the best for them. If they constantly reject your offers, respect them.</p> <p><strong>Keep them busy</strong></p> <p>Contrary to what they may believe at first, losing their independence doesn’t mean being forced to stop doing what they love. Encourage your loved one to keep pursuing their passions (where possible), find new hobbies and maintain relationships with their family members and friends – after all, it’s the people around us who help us through hardship.</p> <p><em>Image credits: Getty Images</em></p>

Caring

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5 tips to make transitioning into retirement easier

<p><em>Image: Shutterstock</em></p> <p>Retirement marks the end of a chapter in your career and the start of a new lifestyle. This unique transition can bring a myriad of emotions, most commonly ones of excitement and apprehension.</p> <p>If you’re pondering retiring in the next year or so, here are five tips to help you transition smoothly:</p> <p><strong>Know the transition could take weeks — or months</strong></p> <p>You likely spent decades forming a routine around your work schedule. Establishing your new normal of volunteer work, an encore career or helping family will take time. If you are married, remember that your retired status may affect your spouse’s routine, too. Talk openly about how you’re feeling during the transition to keep your spouse in the loop.</p> <p><strong>Communicate your retirement plans with family members</strong></p> <p>Your parents, kids or other family members will likely be interested in how you intend to spend your retirement days. Will you be visiting the grandkids more often? Continuing to host family get-togethers? Planning to move or purchase a retirement home? As you share your plans, don’t forget to discuss your financial picture. The benefits of open communication are three-fold: it reassures your kids that you’re financially prepared, allows you to introduce or remind your family of your estate and legacy plans, and it establishes a safe space for both sides to discuss potentially challenging financial topics.</p> <p><strong>Maintain healthy habits</strong></p> <p>Staying diligent with the activities that help you feel your best is important as you shift into retirement. Prioritize eating healthy, sleeping well, staying fit and maintaining friendships in your new routine.</p> <p><strong>Evaluate your finances</strong></p> <p>Prior to retirement, you likely outlined how you will manage your cash flow. (If not, today is the day to put a plan in place.) As you enter retirement, review your expenses to ensure they’re aligned with your plan. It’s common to revise your spending and activities after experiencing the first few weeks away from your primary job, so it’s OK if you need to adjust how much you withdraw from your accounts each month. If you want to increase your spending, calculate what that means for your later retirement years, as you don’t want your savings to come up short.</p> <p><strong>Reset your attitude</strong></p> <p>Retirement is not the ultimate finish line. Experiencing a lot of emotions is common, but try to focus on what you’re excited about in this next chapter. And, remember you’re not alone. Talk to friends, family and professionals in your life for support along the way.</p>

Retirement Life

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How do you know when it’s time to retire?

<p>If you’ve been working hard for many years and you’d like a bit more time to yourself so you can do some of those things you’ve always wanted to but never had the time, then this could be a sign that it’s getting close to the right time for you to retire.</p> <p>Or you could be getting sick of constantly working on your family home and you’d like someone else to help with some maintenance for a change! If you’re thinking along these lines then that’s another sign it could be the right time to retire.</p> <p>We all used to think we’d retire at 65 but that’s all changed and these days, many people prefer to retire earlier. Recent figures from the Australian Bureau of Statistics show the average retirement age of men and women is now 54.4 years old.</p> <p>So, it’s really an individual choice but if you give this life-changing decision the time it deserves, you can retire in the best way for you and achieve the retirement of your choice.</p> <p>To find out if it’s the right time for you to retire, here are some key things to consider:</p> <p><strong>Are you ready emotionally?</strong></p> <p>You need to feel emotionally ready if you’re going to retire. Take some time to think about how your life will change and how you can adjust to those changes.</p> <p>Before you retire, you should ask yourself three key questions: What do I want to do? Where do I want to do it? Who do I want to do it with? When you know the answers to these questions, you’ll have a plan for your life in retirement.</p> <p><strong>You're ready to relax and already making plans</strong></p> <p>If you’ve found yourself dreaming of relaxing and unwinding as you take part in a whole range of leisure activities, this is a good indication you’re ready to relax – and retire.</p> <p>As well, you could find yourself creating endless bucket lists of things you want to do and places you want to see. This is also a sign it could be a good time for you to retire. So, don’t ignore your wanderlust and your yearning to do some of those things you’ve always wanted to. As you plan for your retirement, write down a list of all the things you want to do with your time and this way, you’ll know what you want to do with your time as soon as you retire.</p> <p><strong>How’s your health?</strong></p> <p>If you’re in excellent health it’s still OK to retire because this will give you the time to enjoy those things you’ve always wanted to and you haven’t got round to them yet. But if you or your spouse are in poor health, then it’s important not to delay retirement because you don’t want to miss out on doing some of your exciting ‘bucket list’ items together.</p> <p>The best idea is to take an honest look at your health – and those close to you - and weigh this in to your decision about when’s the best time for you to retire.</p> <p><strong>Check in With Your Spouse and Friends</strong></p> <p>It’s interesting but many couples have different ideas about how they want to retire so this is definitely something you should talk about. Often one partner wants to stay working and the other wants to retire earlier. There’s really no problem with this because you can still move to a retirement village if one of you is working and the other one has stopped.</p> <p>But it’s a good idea to check in and see if you’re on the same page with your spouse. Make sure you do some planning together so you can work through any differences early and work it all out as a team.</p> <p>It also helps to check in with your friends who you might play sports with or do various activities with such as fishing. Find out what your friends’ plans are for their retirement. You’ll find if your friends are retiring around the same time as you it can make everything a lot easier and this will lead to a long and healthy retirement.</p> <p><strong>Your children are financially independent</strong></p> <p>You may want to retire but you feel you can’t because you still have children living at home. You could be worried if you sell the family home, they won’t be able to find other accommodation.</p> <p>The best thing to do is to sit down with your children and work out a plan where they can work towards becoming financially independent and you can work towards your retirement. It’s important to work on this together so in the end, everyone benefits.</p> <p><strong>Plan your retirement so it doesn’t take you by surprise!</strong></p> <p>Deciding when’s the best time to retire is all up to you but it’s a good idea to give this major decision the time and attention it deserves. Take some time out and consider all the factors we’ve listed and this way, you’ll set yourself up for a long and happy retirement.</p> <p><em>Photo: Shutterstock</em></p>

Retirement Income

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Queen Elizabeth speaks with US President Donald Trump ahead of Independence Day

<p>Queen Elizabeth has spoken with US President Donald Trump via phone ahead of Independence Day in America.</p> <p>The Queen spoke with Trump on Tuesday by phone from Windsor Castle, where she has remained with Prince Philip since the beginning of the coronavirus lockdown in the UK.</p> <p>The call to Trump was “the latest in a series Her Majesty has held with world leaders in recent months, including President [Emmanuel] Macron, Prime Minister Jacinda Ardern, Prime Minister Justin Trudeau and Prime Minister Scott Morrison”, the royal family said on Twitter.</p> <blockquote class="twitter-tweet"> <p dir="ltr">The telephone call is the latest in a series Her Majesty has held with world leaders in recent months, including President Macron, Prime Minister Jacinda Ardern, Prime Minister Justin Trudeau and Prime Minister Scott Morrison.</p> — The Royal Family (@RoyalFamily) <a href="https://twitter.com/RoyalFamily/status/1278006235074383872?ref_src=twsrc%5Etfw">June 30, 2020</a></blockquote> <p>The two heads of state discussed the coronavirus pandemic and “reopening global economies”, according to White House spokesman Judd Deere.</p> <p>“The President and the Queen also reaffirmed that the United States and United Kingdom stand together in our Special Relationship and will emerge from this trying time stronger than ever before,” Deere said.</p> <p>Deere said Trump also wished the Queen a belated happy 94th birthday, two months after the monarch’s birthday in April.</p> <p>Trump has met with the Queen three times as president. Their last in-person meeting was at a Buckingham Palace reception marking the 70th anniversary of NATO in December 2019.</p> <p>Since Queen Elizabeth ascended the throne on February 6, 1952, she has met with all elected US presidents <a rel="noopener" href="https://people.com/royals/queen-elizabeth-phone-call-president-donald-trump-july-4/" target="_blank">with the exception of Lyndon B Johnson</a>.</p>

International Travel

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Can you ever be a truly independent thinker?

<p><em>‘It’s important to me that I make my own decisions, but I often wonder how much they are actually influenced by cultural and societal norms, by advertising, the media and those around me. We all feel the need to fit in, but does this prevent us from making decisions for ourselves? In short, can I ever be a truly free thinker?’</em> Richard, Yorkshire.</p> <p>There’s good news and bad news on this one. In his poem <a href="https://www.poetryfoundation.org/poems/51642/invictus">Invictus</a>, William Ernest Henley wrote: “It matters not how strait the gate, How charged with punishments the scroll, I am the master of my fate, I am the captain of my soul.”</p> <p>While being the lone “captain of your soul” is a reassuring idea, the truth is rather more nuanced. The reality is that we are social beings driven by a profound <a href="https://theconversation.com/would-you-stand-up-to-an-oppressive-regime-or-would-you-conform-heres-the-science-124469">need to fit in</a> – and as a consequence, we are all hugely influenced by cultural norms.</p> <p>But to get to the specifics of your question, advertising, at least, may not influence you as much as you imagine. Both advertisers and the critics of advertising like us to think that ads can make us dance any way they want, especially now everything is digital and <a href="https://www.theguardian.com/world/2019/nov/05/targeted-ads-fake-news-clickbait-surveillance-capitalism-data-mining-democracy">personalised ad targeting</a> is possible in a way it never was before.</p> <p>In reality, <a href="https://us.sagepub.com/en-us/nam/effective-advertising/book11407">there is no precise science of advertising</a>. <a href="https://hbswk.hbs.edu/item/clay-christensens-milkshake-marketing">Most new products fail</a>, despite the advertising they receive. And even when sales go up, nobody is exactly sure of the role advertising played. As the marketing pioneer <a href="https://en.wikipedia.org/wiki/John_Wanamaker">John Wanamaker</a> said:</p> <blockquote> <p>Half the money I spend on advertising is wasted; the trouble is I don’t know which half.</p> </blockquote> <p>You’d expect advertisers to exaggerate the effectiveness of advertising, and scholars of advertising have typically made more modest claims. Even these, though, may be overestimates. Recent studies have claimed that both <a href="https://www.kellogg.northwestern.edu/faculty/gordon_b/files/fb_comparison.pdf">online</a> and <a href="https://papers.ssrn.com/sol3/papers.cfm?abstract_id=3273476">offline</a>, the methods commonly used to study advertising effectiveness vastly exaggerate the power of advertising to change our beliefs and behaviour.</p> <p>This has led some to claim that not just half, but perhaps nearly all advertising money is wasted, <a href="https://thecorrespondent.com/100/the-new-dot-com-bubble-is-here-its-called-online-advertising/13228924500-22d5fd24">at least online</a>.</p> <p>There are similar results outside of commerce. One review of field experiments in political campaigning argued “the best estimate of the effects of campaign contact and advertising on Americans’ candidates choices <a href="https://papers.ssrn.com/sol3/papers.cfm?abstract_id=3042867">in general elections is zero”</a>. Zero!</p> <p>In other words, although we like to <a href="https://www.theguardian.com/politics/2019/dec/15/what-we-learned-about-the-media-this-election">blame the media</a> for how people vote, it is surprisingly hard to find <a href="https://papers.ssrn.com/sol3/papers.cfm?abstract_id=3042867">solid evidence</a> of when and how people are swayed by the media. One professor of political science, Kenneth Newton, went so far as to claim <a href="https://onlinelibrary.wiley.com/doi/full/10.1111/1467-923X.12732">“It’s Not the Media, Stupid”</a>.</p> <p>But although advertising is a weak force, and although hard evidence on how the media influences specific choices is elusive, every one of us is undoubtedly influenced by the culture in which we live.</p> <p><strong>Followers of fashion</strong></p> <p>Fashions exist both for superficial things, such as buying clothes and opting for a particular hairstyle, but also for more profound behaviour like <a href="https://www.ncbi.nlm.nih.gov/books/NBK207262/">murder and even suicide</a>. Indeed, we all borrow so much from those we grow up around, and those around us now, that it seems impossible to put a clear line between our individual selves and the selves society forges for us.</p> <p>Two examples: I don’t have any facial tattoos, and I don’t want any. If I wanted a facial tattoo my family would think I’d gone mad. But if I was born in some cultures, where these tattoos were common and conveyed high status, such as traditional Māori culture, people would think I was unusual if I <em>didn’t</em> want facial tattoos.</p> <p>Similarly, if I had been born a Viking, I can assume that my highest ambition would have been to die in battle, axe or sword in hand. In their belief system, after all, that was <a href="https://www.bbc.co.uk/teach/how-do-you-get-to-viking-valhalla/z7s747h">surest way to Valhalla</a> and a glorious afterlife. Instead, I am a liberal academic whose highest ambition is to die peacefully in bed, a long way away from any bloodshed. Promises of Valhalla have no influence over me.</p> <p>Ultimately, I’d argue that all of our desires are patterned by the culture we happen to be born in.</p> <p>But it gets worse. Even if we could somehow free ourselves from cultural expectations, other forces impinge on our thoughts. Your <a href="https://www.ncbi.nlm.nih.gov/pubmed/25961374">genes can affect your personality</a> and so they must also, indirectly, have a knock-on effect on your beliefs.</p> <p>Sigmund Freud, the founder of <a href="https://psychoanalysis.org.uk/our-authors-and-theorists/sigmund-freud">psychoanalysis</a>, famously talked about the influence of parents and upbringing on behaviour, and he probably wasn’t 100% wrong. Even just psychologically, how can you ever think freely, separate from the twin influences of prior experience and other people?</p> <p>From this perspective, <em>all</em> of our behaviours and our desires are profoundly influenced by outside forces. But does this mean they aren’t also our own?</p> <p>The answer to this dilemma, I think, is not to free yourself from outside influences. This is impossible. Instead, you should see yourself and your ideas as the intersection of all the forces that come to play on you.</p> <p>Some of these are shared – like our culture – and some are unique to you – your unique experience, your unique history and biology. Being a free thinker, from this perspective, means working out exactly what makes sense to you, from where you are now.</p> <p>You can’t – and shouldn’t – ignore outside influences, but the good news is that these influences are not some kind of overwhelming force. <a href="https://www.newscientist.com/article/mg24232240-200-its-not-an-illusion-you-have-free-will-its-just-not-what-you-think/">All the evidence</a> is compatible with the view that each of us, choice by choice, belief by belief, can make reasonable decisions for ourselves, not unshackled from the influences of others and the past, but free to chart our own unique paths forward into the future.</p> <p>After all, the captain of a ship doesn’t sail while ignoring the wind – sometimes they go with it, sometimes against it, but they always account for it. Similarly, we think and make our choices in the context of all our circumstances, not by ignoring them.</p> <p><!-- End of code. If you don't see any code above, please get new code from the Advanced tab after you click the republish button. The page counter does not collect any personal data. More info: https://theconversation.com/republishing-guidelines --></p> <p><em><a href="https://theconversation.com/profiles/tom-stafford-91781">Tom Stafford</a>, Lecturer in Psychology and Cognitive Science, <a href="https://theconversation.com/institutions/university-of-sheffield-1147">University of Sheffield</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/free-thought-can-you-ever-be-a-truly-independent-thinker-129033">original article</a>.</em></p>

Mind

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The problem with Harry and Meghan’s “financial independence” plan

<p>Prince Harry and Duchess Meghan managed to dismantle the royal family on Thursday morning after they announced that they would be stepping down as senior royals and transition to financial independence.</p> <p>However, questions are rife about the royals’ new “working model” for 2020, and why the two – who have a combined independent wealth of around AU$60 million – need to “work to become financially independent”.</p> <p>“In 2020, the Duke and Duchess of Sussex have made the choice to transition into a new working model,” read the official Royal Sussex website.</p> <p>“As they step back as senior members of the Royal Family and no longer receive funding through the Sovereign Grant, they will become members of the Royal Family with financial independence which is something they look forward to.”</p> <p>Buckingham Palace issued a statement regarding their exit: “Discussions with the Duke and Duchess of Sussex are at an early stage. We understand their desire to take a different approach, but these are complicated issues that will take time to work through.”</p> <p><strong>What are these “complicated issues”?</strong></p> <p>The pair “value the ability to earn a professional income, which in the current structure they are prohibited from doing,” the official website reads.</p> <p>This decision simply means that in order to become financially independent, the couple will no longer receive funding from the taxpayer-funded Sovereign Grant – which previously covered 5 per cent of their costs.</p> <p>“Their Royal Highnesses prefer to release this financial tie.”</p> <p>The remaining 95 per cent is provided through the Duchy of Cornwall as allocated by Prince Charles, under the system in place since Prince William and Prince Harry first established their offices.</p> <p>It seems Harry and Meghan will still receive these funds from the Duchy of Cornwall, but this may be one of the “complicated issues” Buckingham Palace referred to in its statement.</p> <p>The Duchy of Cornwall is the estate managed by Prince Charles, which has an income of over $40 million according to 2018 financial statements.</p> <p>“The current Prince of Wales chooses to use a substantial proportion of his income from the Duchy estate to meet the cost of his public and charitable work as well as the public and private lives of his family, The Duchess of Cornwall, The Duke and Duchess of Cambridge and The Duke and Duchess of Sussex, and their children,” reads the Duchy of Cornwall website.</p> <p><strong>Private wealth</strong></p> <p>But despite the grant and funds from the duchy, Harry and Meghan were already wealthy beforehand with the Duchess having a reported net worth of $7 million prior to marrying Prince Harry.</p> <p>Prince Harry’s net worth was even more substantial thanks to a hefty inheritance from Princess Diana, an allowance from Charles, his salary from serving in the army and a trust set up by his great grandmother. In 2018 his worth was reported to be between $36 million and $60 million.</p> <p><strong>Other things to know</strong></p> <p><strong>Travel costs</strong></p> <p>The Duke and Duchess will pay for any travel expenses in their private time from their own income, as they pointed out that the royals have never used taxpayer funds to cover travel.</p> <p>When in the UK, their security team will be paid for by taxpayers, via the royal family as they are considered “internationally protected people”, and as such, security is required.</p> <p><strong>Frogmore cottage</strong></p> <p>According to<span> </span><em>The Times</em>, the couple may be asked to fork out money for rent if they choose to continue living in the $4.6 million Frogmore Cottage after a series of renovations took place on the historic property.</p> <p>“Frogmore Cottage will continue to be the property of Her Majesty the Queen,” reads a statement on the official Royal Sussex website.</p> <p>“The Duke and Duchess of Sussex will continue to use Frogmore Cottage – with the permission of Her Majesty The Queen – as their official residence as they continue to support the monarchy, and so that their family will always have a place to call home in the United Kingdom.”</p> <p><strong>Charities</strong></p> <p>The two will still remain patrons of the same charities as they were before, but will also launch a new foundation. They will most likely receive a salary from working in the charity.</p>

Legal

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Call for independent watchdog to monitor NZ government use of artificial intelligence

<p>New Zealand is a leader in government use of artificial intelligence (AI). It is part of a<span> </span><a href="https://www.digital.govt.nz/digital-government/international-partnerships/the-digital-9/">global network of countries</a><span> </span>that use predictive algorithms in government decision making, for anything from the optimal scheduling of public hospital beds to whether an offender should be released from prison, based on their likelihood of reoffending, or the<span> </span><a href="https://www.acc.co.nz/about-us/news-media/latest-news/acc-speeds-up-claims-approval/">efficient processing of simple insurance claims</a>.</p> <p>But the official use of AI algorithms in government has been<span> </span><a href="https://www.data.govt.nz/assets/Uploads/Algorithm-Assessment-Report-Oct-2018.pdf">in the spotlight in recent years</a>. On the plus side, AI can enhance the accuracy, efficiency and fairness of day-to-day decision making. But concerns have also been expressed regarding transparency, meaningful human control, data protection and bias.</p> <p>In a<span> </span><a href="https://www.cs.otago.ac.nz/research/ai/AI-Law/NZLF%20report.pdf">report</a><span> </span>released, we recommend New Zealand establish a new independent regulator to monitor and address the risks associated with these digital technologies.</p> <p><strong>AI and transparency</strong></p> <p>There are three important issues regarding transparency.</p> <p>One relates to the inspectability of algorithms. Some aspects of New Zealand government practice are reassuring. Unlike some countries that use commercial AI products, New Zealand has tended to build government AI tools in-house. This means that we know how the tools work.</p> <p>But intelligibility is another issue. Knowing how an AI system works<span> </span><a href="https://link.springer.com/article/10.1007/s13347-018-0330-6">doesn’t guarantee</a><span> </span>the decisions it reaches will be understood by the people affected. The best performing AI systems are often extremely complex.</p> <p>To make explanations intelligible, additional technology is required. A decision-making system can be supplemented with an “explanation system”. These are additional algorithms “bolted on” to the main algorithm we seek to understand. Their job is to construct simpler models of how the underlying algorithms work – simple enough to be understandable to people. We believe explanation systems will be increasingly important as AI technology advances.</p> <p>A final type of transparency relates to public access to information about the AI systems used in government. The public should know what AI systems their government uses as well as how well they perform. Systems should be regularly evaluated and summary results made available to the public in a systematic format.</p> <p><strong>New Zealand’s law and transparency</strong></p> <p>Our<span> </span><a href="https://www.cs.otago.ac.nz/research/ai/AI-Law/NZLF%20report.pdf">report</a><span> </span>takes a detailed look at how well New Zealand law currently handles these transparency issues.</p> <p>New Zealand doesn’t have laws specifically tailored towards algorithms, but some are relevant in this context. For instance, New Zealand’s Official Information Act (<a href="http://legislation.govt.nz/act/public/1982/0156/107.0/DLM65628.html">OIA</a>) provides a right to reasons for decisions by official agencies, and this is likely to apply to algorithmic decisions just as much as human ones. This is in<span> </span><a href="http://classic.austlii.edu.au/au/journals/SydLawRw/2015/22.html">notable contrast to Australia</a>, which doesn’t impose a general duty on public officials to provide reasons for their decisions.</p> <p>But even the OIA would come up short where decisions are made or supported by opaque decision systems. That is why we recommend that predictive algorithms used by government, whether developed commercially or in-house, must feature in a public register, must be publicly inspectable, and (if necessary) must be supplemented with explanation systems.</p> <p><strong>Human control and data protection</strong></p> <p>Another issue relates to human control. Some of the concerns around algorithmic decision-making are best addressed by making sure there is a “human in the loop,” with a human having final sign off on any important decision. However, we don’t think this is likely to be an adequate solution in the most important cases.</p> <p>A persistent theme of research in industrial psychology is that humans become overly trusting and uncritical of automated systems, especially when those systems are reliable most of the time. Just adding a human “in the loop” will not always produce better outcomes. Indeed in certain contexts, human collaboration will offer false reassurance, rendering AI-assisted decisions<span> </span><a href="https://researchportal.bath.ac.uk/en/publications/effective-forecasting-and-judgmental-adjustments-an-empirical-eva">less accurate</a>.</p> <p>With respect to data protection, we flag the problem of “inferred data”. This is data inferred about people rather than supplied by them directly (just as when Amazon infers that you might like a certain book on the basis of books it knows you have purchased). Among other recommendations, our report calls for New Zealand to consider the legal status of inferred data, and whether it should be treated the same way as primary data.</p> <p><strong>Bias and discrimination</strong></p> <p>A final area of concern is bias. Computer systems might look unbiased, but if they are relying on “dirty data” from previous decisions, they could have the effect of “baking in” discriminatory assumptions and practices. New Zealand’s anti-discrimination laws are likely to apply to algorithmic decisions, but making sure discrimination doesn’t creep back in will require ongoing monitoring.</p> <p>The report also notes that while “individual rights” — for example, against discrimination — are important, we<span> </span><a href="https://scholarship.law.duke.edu/dltr/vol16/iss1/2/">can’t entirely rely on them</a><span> </span>to guard against all of these risks. For one thing, affected people will often be those with the least economic or political power. So while they may have the “right” not to be discriminated against, it will be cold comfort to them if they have no way of enforcing it.</p> <p>There is also the danger that they won’t be able to see the whole picture, to know whether an algorithm’s decisions are affecting different sections of the community differently. To enable a broader discussion about bias, public evaluation of AI tools should arguably include results for specific sub-populations, as well as for the whole population.</p> <p>A new independent body will be essential if New Zealand wants to harness the benefits of algorithmic tools while avoiding or minimising their risks to the public.</p> <p><em>Alistair Knott, James Maclaurin and Joy Liddicoat, collaborators on the<span> </span><a href="https://www.cs.otago.ac.nz/research/ai/AI-Law/">AI and Law in New Zealand</a>project, have contributed to the writing of this piece.</em></p> <p><em>Written by John Zerilli and Colin Gavaghan. Republished with permission of <a href="https://theconversation.com/call-for-independent-watchdog-to-monitor-nz-government-use-of-artificial-intelligence-117589">The Conversation</a>.</em></p>

Technology

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4 apps to help you stay independent as you age

<p>Undoubtedly one of the biggest concerns for ageing Kiwis is their capacity to remain independent the older they get. Thankfully, there are hundreds of apps out there designed to make life easier – no matter what your age. Here, we take a look at five of the best tools to help over-60s and their ageing relatives safe and independent.</p> <p><strong>1. Medication reminder</strong></p> <p>If you’ve reached the age of 60 and aren’t on any medications, you’re one of the lucky ones! For the rest of us, however, forgetting to take our tablets at the right time of day (or night) can be all too easy. The Medisafe pill reminder is available for <a href="https://itunes.apple.com/au/app/medisafe-free-pill-reminder/id573916946?mt=8"><strong><span style="text-decoration: underline;">iOS</span></strong></a> and <a href="https://play.google.com/store/apps/details?id=com.medisafe.android.client&amp;hl=en"><strong><span style="text-decoration: underline;">Android</span></strong></a> sends you notifications throughout the day straight to your smartphone or tablet, reminding you to take your medications, vitamins and even alerting you when you need to refill your prescription.</p> <p><strong>2. Toilet finder</strong></p> <p>There’s nothing worse than being out and suddenly realising you need to use the restroom. With the Toilet Finder app, this’ll never happen again. The interactive map shows where the nearest bathrooms are, whether or not they’re accessible, and if they’re free to use – great if you’re travelling in a city that often charges for toilet use. The app is available on both <a href="https://itunes.apple.com/au/app/toilet-finder/id311896604?mt=8"><strong><span style="text-decoration: underline;">iOS</span></strong></a> and <strong><a href="https://play.google.com/store/apps/details?id=com.bto.toilet&amp;hl=en"><span style="text-decoration: underline;">Android</span></a></strong> devices.</p> <p><strong>3. Find lost items</strong></p> <p>Do you have a habit of misplacing your keys, wallet and other belongings? Don’t worry – you’re not alone! The Tile app (on <a href="https://itunes.apple.com/au/app/tile-find-track-your-lost/id664939913?mt=8"><strong><span style="text-decoration: underline;">iOS</span></strong></a> and <a href="https://play.google.com/store/apps/details?id=com.thetileapp.tile&amp;hl=en)),%20paired%20with%20the%20tiny%20Tile%20devices%20(https://www.thetileapp.com/"><strong><span style="text-decoration: underline;">Android</span></strong></a>) (starting from around $38 each) which can be attached to frequently-lost items, will ensure you never lose them again. The “Tiles” attached to your items interact via Bluetooth with your smartphone or tablet and will show you the exact GPS location of your misplaced item.</p> <p><strong>4. Remember where you parked your car</strong></p> <p>We’ve all been there at least once – exiting the shopping centre only to find we’ve completely forgotten where we parked. Thankfully, you can stop this ever happening again with a simple parking reminder app. On iOS, there’s <a href="https://itunes.apple.com/au/app/instaparking-car-park-tracking/id1047207955?mt=8"><strong><span style="text-decoration: underline;">Instaparking</span></strong></a> and for Android users, <a href="https://play.google.com/store/apps/details?id=com.spawn.parkingreminder&amp;hl=en"><strong><span style="text-decoration: underline;">ParKing Reminder</span></strong></a>, both of which let you pin and take a photo of where your car is parked so you can locate it easily.</p> <p>Tell us in the comments below, what else do you think people can do to stay independent as they get older?</p> <p><strong>Related links:</strong></p> <p><a href="http://www.oversixty.co.nz/health/caring/2017/01/health-benefits-of-using-technology-over-80/"><span style="text-decoration: underline;"><em><strong>Incredible health benefits of using technology over 80</strong></em></span></a></p> <p><a href="http://www.oversixty.co.nz/health/caring/2017/01/technology-can-combat-loneliness/"><span style="text-decoration: underline;"><em><strong>4 ways technology can combat loneliness</strong></em></span></a></p> <p><a href="http://www.oversixty.co.nz/health/caring/2016/09/tips-to-cope-with-losing-independence-with-age/"><span style="text-decoration: underline;"><em><strong>Tips to cope with losing independence with age</strong></em></span></a></p>

Caring

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Tips to help you stay independent and at home as you age

<p>For many older people, daily tasks once completed with ease, become harder to manage without help. Many people fear that this may mean they’ll have to leave their homes to go into a care home. But that doesn’t always have to be the case. With some extra help and support however, many otherwise healthy older New Zealanders can still live in the comfort of their own home. Here are some of the <strong><a href="http://theblueroom.bupa.com.au/caring/stay-independent/support-services-to-help-keep-you-at-home-for-longer" target="_blank"><span style="text-decoration: underline;">most common support services available to help give you, or a loved one, that offer extra support at home.</span></a></strong></p> <p><strong>1. Household chores</strong></p> <p>If you’re finding you need help with chores around the house, such as cleaning, or doing the laundry or gardening, the government’s aged care services can help.</p> <p>A basic level of home-care assistance is available, where a care worker will come around to help ensure your house and garden are clean, tidy and safe. Danielle Robertson, CEO of national home-care service Dial-An-Angel, says that basic home care is also a way of getting ageing individuals  accustomed to having care workers in their homes. There is a range of other services, and other levels of care available, depending on your needs.</p> <p><strong>2. <a href="http://theblueroom.bupa.com.au/caring/stay-independent/food-for-thought-home-delivered-meal" target="_blank"><span style="text-decoration: underline;">Meals</span></a></strong></p> <p>Charity organisations like <a href="http://www.mealsonwheels.org.au/Find-Us.aspx" target="_blank"><span style="text-decoration: underline;"><strong>Meals on Wheels</strong></span></a> deliver high quality, nutritious meals to people in need. It isn’t a means-tested service and they’re often flexible to cater to your needs. If your needs are more complex, the government’s aged care services can help bring a care worker into your house to prepare meals.</p> <p><strong>3. <a href="http://theblueroom.bupa.com.au/caring/stay-independent/5-ways-your-loved-one-can-get-around" target="_blank"><span style="text-decoration: underline;">Transport</span></a></strong></p> <p>Most local councils offer free or cheaper transport services to places like shopping centres, libraries and community centres, for people who can no longer get around.</p> <p>As Rebecca Morton, chairperson of the Victorian Community Transport Association, explains, “It’s aimed towards people who aren’t able to use public transport, or who need a low level of assistance, or in regional areas it could be about accessibility.”</p> <p>You may have to undergo an eligibility test to access these services, and there are some costs involved but it’s often at a much reduced price. Contact your local council for more information.</p> <p><span style="text-decoration: underline;"><strong><a href="http://theblueroom.bupa.com.au/caring/stay-independent/how-to-help-safety-proof-a-bathroom" target="_blank">How safe is your home? Read these tips to help make your bathroom fall proof.</a></strong></span></p> <p>THIS IS A PROMOTIONAL FEATURE</p>

Caring