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Why is it so hard to cancel subscriptions or end ‘free’ trials? Report shows how companies trap you into paying

<div class="theconversation-article-body"><em><a href="https://theconversation.com/profiles/katharine-kemp-402096">Katharine Kemp</a>, <a href="https://theconversation.com/institutions/unsw-sydney-1414">UNSW Sydney</a></em></p> <p>Many businesses are trapping Australian consumers in paid subscriptions by making them hard to cancel, hiding important details and offering “free” trials that auto-renew with hefty charges. We need law reform to tackle this continuing problem.</p> <p><a href="https://cprc.org.au/report/let-me-out">A new report</a> shows 75% of Australian consumers have had negative experiences when trying to cancel a subscription, according to the Consumer Policy Research Centre (CPRC).</p> <p>It shows businesses use “<a href="https://www.wired.com/story/how-to-spot-avoid-dark-patterns/">dark patterns</a>”, which are designs that hinder consumers who try to act in their own best interests. Subscription traps are often called “<a href="https://www.ftc.gov/business-guidance/blog/2022/11/checking-out-ftcs-100-million-settlement-vonage">Hotel California</a>” techniques, referring to The Eagles’ famous lyric: “you can check out any time you want, but you can never leave”.</p> <p>In some of these cases, consumers may have remedies under our existing consumer law, including for misleading conduct. But we need law reform to capture other <a href="https://treasury.gov.au/consultation/c2023-430458">unfair practices</a>.</p> <p>In the meantime, the CPRC’s research also gives examples of businesses with <em>fair</em>, consumer-friendly subscription practices. These also benefit the business.</p> <h2>Examples of unfair subscription traps</h2> <p><a href="https://www.forbes.com/councils/forbesbusinessdevelopmentcouncil/2022/09/12/the-evolution-of-the-subscription-model-and-whats-on-the-horizon/">Subscription business models</a> have become common – many products are now provided in the form of software, an app or access to a website. Some of these would once have been a physical book, newspaper, CD or exercise class.</p> <p>Most people who use online services have experienced the frustration of finding a credit card charge for an unwanted, unused subscription or spending excessive time trying to cancel a subscription.</p> <figure class="align-center zoomable"><a href="https://images.theconversation.com/files/615486/original/file-20240826-16-fp57es.png?ixlib=rb-4.1.0&amp;q=45&amp;auto=format&amp;w=1000&amp;fit=clip"><img src="https://images.theconversation.com/files/615486/original/file-20240826-16-fp57es.png?ixlib=rb-4.1.0&amp;q=45&amp;auto=format&amp;w=754&amp;fit=clip" sizes="(min-width: 1466px) 754px, (max-width: 599px) 100vw, (min-width: 600px) 600px, 237px" srcset="https://images.theconversation.com/files/615486/original/file-20240826-16-fp57es.png?ixlib=rb-4.1.0&amp;q=45&amp;auto=format&amp;w=600&amp;h=643&amp;fit=crop&amp;dpr=1 600w, https://images.theconversation.com/files/615486/original/file-20240826-16-fp57es.png?ixlib=rb-4.1.0&amp;q=30&amp;auto=format&amp;w=600&amp;h=643&amp;fit=crop&amp;dpr=2 1200w, https://images.theconversation.com/files/615486/original/file-20240826-16-fp57es.png?ixlib=rb-4.1.0&amp;q=15&amp;auto=format&amp;w=600&amp;h=643&amp;fit=crop&amp;dpr=3 1800w, https://images.theconversation.com/files/615486/original/file-20240826-16-fp57es.png?ixlib=rb-4.1.0&amp;q=45&amp;auto=format&amp;w=754&amp;h=808&amp;fit=crop&amp;dpr=1 754w, https://images.theconversation.com/files/615486/original/file-20240826-16-fp57es.png?ixlib=rb-4.1.0&amp;q=30&amp;auto=format&amp;w=754&amp;h=808&amp;fit=crop&amp;dpr=2 1508w, https://images.theconversation.com/files/615486/original/file-20240826-16-fp57es.png?ixlib=rb-4.1.0&amp;q=15&amp;auto=format&amp;w=754&amp;h=808&amp;fit=crop&amp;dpr=3 2262w" alt="Infographic with a few statistics from the report." /></a><figcaption><span class="attribution"><a class="source" href="https://cprc.org.au/wp-content/uploads/2024/08/CPRC_LetMeOut_SubsTraps_Report_FINAL.pdf">CPRC, Let me out – Subscription trap practices in Australia, August 2024</a></span></figcaption></figure> <p>Businesses can make it difficult for consumers to stop paying for unwanted subscriptions. Some do this by allowing consumers to start a subscription with a single click, but creating multiple obstacles if you want to end the subscription.</p> <p>This can include obscuring cancellation options in the app, requiring consumers to phone during business hours or making them navigate through multiple steps and offers before terminating. The report points out many of the last-ditch discounts offered in this process are only short term. One survey respondent said:</p> <blockquote> <p>I wasn’t able to cancel without having to call up and speak to someone. Their business hours meant I had to call up during my work day and it took some time to action.</p> </blockquote> <p>Other businesses badger consumers with frequent emails or messages after they cancel. One respondent said a business made “the cancellation process impossible by making you call and then judging your reason for cancellation”.</p> <h2>What does consumer law say?</h2> <p>Some subscription traps already fall foul of the Australian Consumer Law and warrant investigation by the <a href="https://www.accc.gov.au/media-release/accc-warns-consumers-to-beware-of-subscription-traps">Australian Competition &amp; Consumer Commission</a> (ACCC). Consumers may have remedies where the business has engaged in misleading conduct or imposes an unfair contract term.</p> <p>For example, the ACCC is <a href="https://www.accc.gov.au/media-release/accc-court-action-against-eharmony-for-alleged-misleading-online-dating-membership-statements#:%7E:text=The%20ACCC%20has%20today%20commenced%20proceedings%20in%20the,the%20pricing%2C%20renewal%20and%20duration%20of%20its%20memberships.">suing dating site eHarmony</a> for its allegedly misleading subscription practices.</p> <p>In the United States, the Federal Trade Commission <a href="https://www.ftc.gov/news-events/news/press-releases/2024/06/ftc-takes-action-against-adobe-executives-hiding-fees-preventing-consumers-easily-cancelling">has filed a complaint against software company Adobe</a> for allegedly using dark patterns in its subscription practices.</p> <p>The Federal Trade Commission has alleged that “Adobe pushed consumers toward the ‘annual paid monthly’ subscription without adequately disclosing that cancelling the plan in the first year could cost hundreds of dollars”.</p> <p>Adobe <a href="https://news.adobe.com/news/news-details/2024/Adobes-Recent-Statement-Regarding-Updated-Federal-Trade-Commission-Complaint-/default.aspx">issued a statement</a> arguing the commission’s complaint “mischaracterises” its business. The litigation is ongoing.</p> <h2>We need an unfair practices prohibition</h2> <p>Some subscription traps would fall outside the existing consumer law. This is because they don’t meet the test for misleading conduct or unfair contract terms, but make it practically very difficult to cancel.</p> <p>The <a href="https://www.accc.gov.au/media-release/accc-welcomes-consultation-on-possible-unfair-trading-practices-regulatory-reforms">ACCC has advocated</a> for Australia to follow other countries such as the United Kingdom and the United States to enact an unfair practices prohibition to capture conduct like this.</p> <figure class="align-center zoomable"><a href="https://images.theconversation.com/files/615487/original/file-20240826-16-2j23h7.png?ixlib=rb-4.1.0&amp;q=45&amp;auto=format&amp;w=1000&amp;fit=clip"><img src="https://images.theconversation.com/files/615487/original/file-20240826-16-2j23h7.png?ixlib=rb-4.1.0&amp;q=45&amp;auto=format&amp;w=754&amp;fit=clip" sizes="(min-width: 1466px) 754px, (max-width: 599px) 100vw, (min-width: 600px) 600px, 237px" srcset="https://images.theconversation.com/files/615487/original/file-20240826-16-2j23h7.png?ixlib=rb-4.1.0&amp;q=45&amp;auto=format&amp;w=600&amp;h=769&amp;fit=crop&amp;dpr=1 600w, https://images.theconversation.com/files/615487/original/file-20240826-16-2j23h7.png?ixlib=rb-4.1.0&amp;q=30&amp;auto=format&amp;w=600&amp;h=769&amp;fit=crop&amp;dpr=2 1200w, https://images.theconversation.com/files/615487/original/file-20240826-16-2j23h7.png?ixlib=rb-4.1.0&amp;q=15&amp;auto=format&amp;w=600&amp;h=769&amp;fit=crop&amp;dpr=3 1800w, https://images.theconversation.com/files/615487/original/file-20240826-16-2j23h7.png?ixlib=rb-4.1.0&amp;q=45&amp;auto=format&amp;w=754&amp;h=966&amp;fit=crop&amp;dpr=1 754w, https://images.theconversation.com/files/615487/original/file-20240826-16-2j23h7.png?ixlib=rb-4.1.0&amp;q=30&amp;auto=format&amp;w=754&amp;h=966&amp;fit=crop&amp;dpr=2 1508w, https://images.theconversation.com/files/615487/original/file-20240826-16-2j23h7.png?ixlib=rb-4.1.0&amp;q=15&amp;auto=format&amp;w=754&amp;h=966&amp;fit=crop&amp;dpr=3 2262w" alt="" /></a><figcaption><span class="caption">The shift businesses can make today.</span> <span class="attribution"><a class="source" href="https://cprc.org.au/wp-content/uploads/2024/08/CPRC_LetMeOut_SubsTraps_Report_FINAL.pdf">CPRC, Let me out – Subscription trap practices in Australia, August 2024</a></span></figcaption></figure> <h2>Better practices benefit businesses too</h2> <p>The CPRC report also revealed that 90% of Australians would likely purchase from the same organisation if cancelling a subscription process was quick and simple.</p> <p>Businesses focused on a short-sighted cash grab fail to realise that consumers might cancel but later return if treated well.</p> <p>The CPRC highlights businesses that are doing a good job. For instance, the habit change app Atoms (based on James Clear’s book Atomic Habits) has a genuinely free trial. It doesn’t require credit card details, doesn’t auto-renew, and lets consumers know how many trial days remain.</p> <p>The CPRC says the charity World Vision doesn’t auto-renew annual sponsorships, but reminds supporters about when the sponsorship will lapse.</p> <p>Importantly, some businesses – such as Netflix – use their data for good in this context. They notice when users are paying for the service without using it and help them unsubscribe.</p> <p>These practices should be applauded. But we need an unfair practices prohibition for businesses who don’t follow suit and recognise the long-term benefits of treating customers fairly.<!-- Below is The Conversation's page counter tag. Please DO NOT REMOVE. --><img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/237236/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /><!-- End of code. If you don't see any code above, please get new code from the Advanced tab after you click the republish button. The page counter does not collect any personal data. More info: https://theconversation.com/republishing-guidelines --></p> <p><em><a href="https://theconversation.com/profiles/katharine-kemp-402096">Katharine Kemp</a>, Associate Professor, Faculty of Law &amp; Justice; Lead, UNSW Public Interest Law &amp; Tech Initiative, <a href="https://theconversation.com/institutions/unsw-sydney-1414">UNSW Sydney</a></em></p> <p><em>Image credits: Shutterstock </em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/why-is-it-so-hard-to-cancel-subscriptions-or-end-free-trials-report-shows-how-companies-trap-you-into-paying-237236">original article</a>.</em></p> </div>

Money & Banking

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Woman "trapped" on a boat for a decade details amazing "escape"

<p>A woman has recalled her turbulent childhood spent "trapped" a boat with her parents, detailing how she made her "escape".</p> <p>Suzanne Heywood was just seven years old when her parents told her she, along with her younger brother Jonathan, would be pulled out of school to go on a three-year voyage around the world. </p> <p>The family of four from the UK set out on their quest to recreate Captain Cook’s infamous third and final voyage around the globe, which ended up taking a decade instead of the promised three years. </p> <p>While her parents thought it was the trip of a lifetime and often described the opportunity as a “privilege”, Suzanne has since compared it to being locked up in prison.</p> <p>Now 55 years old, Suzanne has shared her tale of survival on TikTok, and recalled her 10 years at sea in her tell-all memoir <em>Wavewalker</em>. </p> <p>“My father said we would be back in three years’ time, and that my dog would be waiting for me, and my friends and school and everything would go back to normal,” the author said in a now-viral video. </p> <p>“But in fact, it was almost 10 years before we came back, and I spent that time trapped on a boat, unable to go to school or have normal friendships.” </p> <p>Despite her father assuring her the “trip would be safe”, Suzanne claimed it was “incredibly dangerous”, sharing details of a perilous journey from South Africa to Australia where the boat hit an “enormous storm”. </p> <p>“The waves became bigger and bigger, and finally one crashed over the back of the boat, through the deck and out the side,” she recalled.</p> <p>“I was thrown, a little girl at 7, against the ceiling of the cabin and against the wall, fracturing my skull and breaking my nose. Three days later, we found a tiny little island in the middle of the Indian Ocean where I had multiple head operations without anaesthetic.”</p> <p>In order to get through her "very strange" childhood, Suzanne recalled how she was determined to get an education to live a normal life. </p> <p>“As it became clear my parents had no intentions of going back, I decided I had to educate myself as it was the only lifeline that I had,” she told the hosts of <em>The Morning Show</em>. </p> <p>“The only way to get off this boat was to get an education, it was my only hope to ensure I had a ‘normal life’ for myself one day.”</p> <p>While remote education wasn't an option in 1969, Suzanne enrolled in an Australian correspondence school when she was 13. </p> <p>she began studying in the small cabin of the boat, which she found challenging both practically, and academically as she “had missed a lot of education”.</p> <p>Then, when she was 16, and her brother 15, her parents enrolled the two teenagers into a school in New Zealand while they continued sailing.</p> <p>Despite the gaps in her education, Suzanne  landed a spot at Oxford University, and after saving up money she’d earned working on a farm, Suzanne bought a one-way plane ticket back to the UK.</p> <p>Since going public with her story, which she was inspired to do after the death of her husband in 2018, Suzanne's book instantly became a bestseller, and she continues to work through the trauma caused by her "unstable" childhood. </p> <p>Suzanne's extraordinary tale has captured the hearts of millions, with thousands of online fans hailing her bravery. </p> <p>“<em>Wavewalker</em> is one of the best books I’ve read, I’m so sorry you went through all that,” one person replied, while another said, “Thank you for the this! Your story inspires me and I can change my life no matter when and how.” </p> <p><em>Image credits: Instagram / Suzanne Heywood</em></p>

Travel Trouble

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What the fox! Driver finds wild animal trapped in his car

<p>A motorist has shared the startling moment a fox got trapped in the front grill of his car, after he accidentally hit the wild animal while travelling at 80km/h. </p> <p>While driving down a country road in South Australia on Saturday night, the man behind the wheel said he was shocked when he felt something slam into the car. </p> <p>When he later checked the vehicle, he was astonished to find the angry fox trying to break free from behind the front grill of the car. </p> <p>“Y’all thought you had a bad day,” he can be heard saying while filming the animal furiously biting the front grill in an attempt to escape.</p> <p>In a series of videos posted to TikTok, the man documented the fox's attempts at escape, before informing his followers that he had enlisted the help of a local vet to help free the animal. </p> <p>“Took him to the vet, they sedated him and we got him out safely, the poor guy,” he said, adding he was glad — and impressed — the fox was alive after such a high-speed impact.</p> <p>Throughout his videos, many took to the comments to offer their advice to free the fox, as one person suggested "popping the lid", with the driver explaining that he did but “couldn’t even see him through the bonnet”.</p> <p>The saga has been viewed more than 400,000 times in the past 24 hours, with numerous people saying they were stunned the fox wasn’t seriously injured. “How does this even happen?” one person wondered.</p> <p>“What in the fox is going on here!” another joked, while others pondered how the man would explain the incident to his insurance company.</p> <p>“Insurance would never believe you if you didn’t have that video,” someone else added.</p> <p><em>Image credits: TikTok</em></p>

Travel Trouble

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“Do not panic”: Passenger trapped in plane bathroom for entire flight

<p dir="ltr">A passenger has received the ultimate downgrade on a plane after becoming trapped in the bathroom for an entire flight. </p> <p dir="ltr">The unnamed flyer was travelling from Mumbai to Bengaluru in India on budget airline SpiceJet, when his one-hour-and-45-minute night flight turned into a nightmare. </p> <p dir="ltr">Shortly after takeoff, the man went to use the lavatory and discovered he had become stuck in the bathroom when he attempted to leave.</p> <p dir="ltr">The crew and other passengers desperately attempted to free the flyer from the unfortunate position, but to no avail. </p> <p dir="ltr">As a result, he was relegated to the toilet in the sky for nearly the entire flight.</p> <p dir="ltr">In an attempt to calm the passenger during his in-flight solitary confinement, crew members slid a note under the door to reassure the man.</p> <p dir="ltr">“Sir we tried our best to open the door, however, we could not,” the letter read. </p> <p dir="ltr">“Do not panic. We are landing in a few minutes, so please close the commode lid and sit on it and secure yourself. As soon as the main door is open, an engineer will come. Do not panic.”</p> <p dir="ltr">After landing, two engineers boarded the aircraft and broke open the door, rescuing the captive who later received “immediate medical support.”</p> <p dir="ltr">The airline has since issued the flyer a full reimbursement and shared an apology for the unique flying experience. </p> <p dir="ltr">“SpiceJet regrets and apologises for the inconvenience caused to the passenger,” they said. “The passenger is being provided a full refund.”</p> <p dir="ltr"><em>Image credits: Getty Images / X (Twitter)</em></p>

Travel Trouble

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Downsizing cost trap awaits retirees – five reasons to be wary

<p><em><a href="https://theconversation.com/profiles/erika-altmann-361218">Erika Altmann</a>, <a href="https://theconversation.com/institutions/university-of-tasmania-888">University of Tasmania</a></em></p> <p>It’s time to debunk the myth of zero housing costs in retirement if we want to understand why retirees resist downsizing. Retirees have at least five reasons to be wary of the costs of downsizing.</p> <p>Retirees living in middle-ring suburbs face frequent calls to downsize into apartments to free up larger allotments in these suburbs for redevelopment. Retirees who fail to downsize into smaller units and apartments are viewed as being a greedy, baby-boomer elite, stealing financial security from younger generations.</p> <p>It also makes sense to policymakers for retirees to move into less spacious accommodation and make way for high-density housing. Housing think-tank AHURI <a href="http://www.ahuri.edu.au/__data/assets/pdf_file/0021/14079/AHURI_Final_Report_No_286_Australian-demographic-trends-and-implications-for-housing-assistance-programs.pdf">fosters this view</a>. Yet seniors remain resistant to moving, in part because of the ongoing costs they would face.</p> <p>The concept of zero housing costs in retirement is based on a 1940s view of a well-maintained, single dwelling on a single allotment of land where the mortgage has been paid off. This concept is incompatible with medium- and high-density housing and refusing to acknowledge ongoing housing costs may cause significant poverty for retirees.</p> <h2>Reason 1 – upfront moving costs are high</h2> <p>When a house is sold the owner receives the sale funds minus the real estate and legal fees. When the same person then buys a different property to live in, they pay legal fees plus stamp duty.</p> <p>For cities such as Melbourne and Sydney, these costs are likely to exceed A$70,000.</p> <p>These high transfer costs may mean it is not cost-effective <a href="https://theconversation.com/why-older-australians-dont-downsize-and-the-limits-to-what-the-government-can-do-about-it-76931">for the person to move</a>.</p> <h2>Reason 2 – levies are high</h2> <p>Because apartment owners pay body corporate levies, people often assume this is just the same as periodic payment of rates, water, insurance and other costs. It is not.</p> <p>Fees remissions for low-income retirees for rates, power, insurance and water are difficult to apply within a body corporate environment. As a consequence, these are usually not applied to owners of apartments.</p> <p>The costs of maintaining essential services, such as mandatory fire-alarm testing, yearly engineering certification, lift and air-conditioning inspections, significantly increase ownership costs.</p> <p>When additional services are supplied, such as swimming pools, gyms and rooftop gardens, these also require periodic inspections. Garbage collection, cleaning, gardening, concierge and strata management services also <a href="https://eprints.utas.edu.au/cgi/users/home?screen=EPrint%3A%3AView&amp;eprintid=23322">must be paid</a>.</p> <p>Owners of standard suburban homes choose whether they want these services, with those on fixed incomes going without them.</p> <p>Annual levies for apartment buildings vary, but expect to pay between $10,000 and $15,000. They <a href="https://www.strata.community/understandingstrata/faqs">may be more than this</a>.</p> <h2>Reason 3 – costs of maintenance</h2> <figure class="align-right "><figcaption></figcaption></figure> <p>Apartments are often sold as a maintenance-free solution for older people. The maintenance is not free. It needs to be paid for.</p> <p>Maintenance costs are higher in an apartment than a standard suburban home because there are more items and services to be maintained and fixed. Lifts and air conditioning need periodic servicing and fixing. This is in addition to the mandatory inspections listed above.</p> <h2>Reason 4 – loss of financial security</h2> <p>It is a mistaken belief that the maintenance costs that form part of the body corporate fee include periodic property upgrades. This relates to items that are owned collectively with other apartment owners.</p> <p>Major servicing at the ten-year mark and usually each five-to-seven years after that include painting, floor-covering replacement, and lift and air-conditioning repair or replacement.</p> <p>Major upgrades may also include garden redesign or other external building enhancement including <a href="https://eprints.utas.edu.au/cgi/users/home?screen=EPrint%3A%3AView&amp;eprintid=23315">environmental upgrades</a>. All owners share these upgrade costs.</p> <p>Costs of upgrading the inside of an apartment (a bathroom disability upgrade, for example) are additional again.</p> <p>Once the body corporate committee members pledge funds towards an upgrade, all owners are required to raise their share of the funds, whether they can afford it or not. Communal choice outweighs an individual owner’s need to delay upgrade costs.</p> <p>Owners who buy apartments that are part of a body corporate effectively lose control of their future financial decisions.</p> <h2>Reason 5 – loss of security of tenure</h2> <p>Loss of security of tenure is usually associated with renters. However, the recent introduction of <a href="http://www.lpi.nsw.gov.au/__data/assets/pdf_file/0009/25965/Termination_of_a_strata_scheme_by_RG.pdf">termination legislation</a> in New South Wales gives other owners the right to vote to terminate a strata title scheme. When this occurs, all owners, including reluctant owners of apartments within that scheme, are compelled to sell.</p> <p>There are valid reasons why termination legislation is desirable, as many older apartment complexes are reaching the end of their useful life.</p> <p>Even so, as termination legislation is rolled out across the states, owner- occupiers effectively lose control of how long they will own a property for. They no longer have security of tenure, which means retirees may face an uncertain housing future in their old age.</p> <h2>Downsizing raises poverty risks</h2> <p>Because current data sets do not adequately take account of ongoing costs associated with apartment living, the effect of downsizing on individual households is masked.</p> <p>Downsizing retirees into the apartment sector creates ongoing financial stress for older people. Creating <a href="https://theconversation.com/it-will-take-more-than-piecemeal-reforms-to-convince-older-australians-to-downsize-51043">tax incentives to move</a> does not tackle these ongoing costs.</p> <p>Centrelink payments for of <a href="https://www.humanservices.gov.au/customer/services/centrelink/age-pension">$404 per week</a> are well below <a href="http://acoss.wpengine.com/poverty-2/">the poverty line</a>. Yet we expect retirees to willingly downsize and to be able to cede most of their Centrelink payments to cover high body corporate costs.</p> <p>Requiring retirees to downsize for the greater urban good will shift poverty onto retirees who could barely manage in their previously owned standard suburban home.</p> <p>Failing to understand the effect of high ongoing costs associated with apartment living and reinforcing the myth of zero housing costs in retirement will continue to lead to poor policy outcomes.<img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/80895/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /></p> <p><a href="https://theconversation.com/profiles/erika-altmann-361218"><em>Erika Altmann</em></a><em>, Property and Housing Management Researcher, <a href="https://theconversation.com/institutions/university-of-tasmania-888">University of Tasmania</a></em></p> <p><em>Image credits: Getty Images</em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/downsizing-cost-trap-awaits-retirees-five-reasons-to-be-wary-80895">original article</a>.</em></p>

Retirement Income

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

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

Money & Banking

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Stepson of billionaire trapped on sub called out for gross behaviour

<p>The stepson of the billionaire trapped onboard the OceanGate Titanic submersible has been called out online for attending a rock concert while his step-father remains missing in the Atlantic Ocean. </p> <p>Brian Szasz is the stepson of billionaire Hamish Harding, who is trapped on the missing vessel along with four others, days after the group left on an expedition to the wreckage of the Titanic. </p> <p>While rescue efforts continue to locate the group, Szasz has caused a stir online after being spotted with a beaming smile attending a Blink-182. </p> <p>Among those furious and confused by Szasz's actions was rapper Cardi B, who slammed the man on Instagram to her 167 million followers. </p> <p>"One of the billionaires that's missing underwater from that submarine s–t …Their stepson is at a concert, right?" Cardi B starts.</p> <p>The rapper noted that she felt that attending a concert, and post about it online amid the search and rescue of a loved one felt tone deaf.</p> <p>"People is like, um, 'What is he supposed to do? Be sad at the house? Is he supposed to go look for him himself?' Yes," she said.</p> <p>"Isn't it sad that you a whole f—ing billionaire and nobody gives a f–k about you?" the rapper asks. "That's crazy. I'd rather be broke. I'd rather be broke and poor, but knowing that I'm loved."</p> <p>Szasz fired back at the rapper, telling her to "show some class for once in your life", while he responded to the media storm after he claimed his family "would've wanted him to go" to the concert. </p> <p>"Yes, I went to @Blink182 last night. What am I supposed to do, sit at home and watch the news? Not sorry this band has helped me through hard times since 1998."</p> <p>Just hours after the online backlash over attending the concert, Szasz was once again being slammed online for flirting with an OnlyFans model on Twitter.</p> <p>Szasz retweeted an image of Only Fans it-girl Brea flashing her backside in a G-string with the caption, “can i sit on u” on the social media site, with Szasz responding, “Yes please!”</p> <p>The post came just minutes after he asked followers to “please keep my family in your prayers.”</p> <p>One commenter wrote of the unusual behaviour, “Lmao quote tweeting a thirst trap while your stepdad is lost at sea is wild business”, as another slammed, “Unreal to be tweeting this [right now.]”</p> <p>Another user added, “This guy loves blink-182 and having ladies sit on his face and he’s not afraid to let the world know.”</p> <p style="box-sizing: border-box; margin: 16px 0px 20px; padding: 0px; border: 0px; font-stretch: inherit; line-height: 28px; vertical-align: baseline;"><em>Image credits: Facebook / Action Aviation</em></p>

Family & Pets

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"This is shocking": Police slammed over sneaky trap

<p dir="ltr">A New Zealand man has clashed with police after he accused an officer of posing as a window washer to catch drivers using their mobile phones.</p> <p dir="ltr">While he was stopped at a traffic light in Manurewa, South Auckland, the man began filming after noticing an undercover cop in a hoodie standing nearby.</p> <p dir="ltr">"He's the cop who gave me the ticket!" he can be heard telling a friend sitting in the car with him.</p> <p dir="ltr">"This is bad, man. He's pretending to be a window washer!"</p> <p dir="ltr">The passenger then gets out of the car and makes his way toward the officer to “let the public know” what was happening.</p> <p dir="ltr">"Alright guys so we've got police here hiding, pretending to be window washers," he says while standing next to the police officer.</p> <p dir="ltr">"So what they do is they stand here and they dress up in hoodies with a window washer thing and they're looking and trying to get people tickets for fines, maybe phones, seatbelts."</p> <p dir="ltr">Within moments, several other officers approach the man.</p> <p dir="ltr">One officer confirms that the “window washer” was an undercover cop, and when the man questions whether the tactic was “saving lives”, an officer says it was.</p> <p><span id="docs-internal-guid-0d908dfb-7fff-01e3-7576-17123380c286"></span></p> <p dir="ltr">The man is then told by police that he could film but has to do it from the opposite side of the road so that the undercover operation isn’t interfered with.</p> <blockquote class="twitter-tweet"> <p dir="ltr" lang="en">😂😂😂 wish one of your cousins is the undercover cop lmao? <a href="https://t.co/5QWvlg2hYy">pic.twitter.com/5QWvlg2hYy</a></p> <p>— Danny (@disndatnz) <a href="https://twitter.com/disndatnz/status/1577420707008417816?ref_src=twsrc%5Etfw">October 4, 2022</a></p></blockquote> <p dir="ltr">The hoodie-wearing officer is then encouraged to return to his spot by the side of the road.</p> <p dir="ltr">The clip has since been shared on TikTok and by Today FM, with morning talk show host Duncan Garner speaking to the man’s friend, Neil, who was in the car during the incident.</p> <p dir="ltr">“I've driven up and down the country all the time and I’ve never seen any sort of act like this anywhere apart from there," Neil said.</p> <p dir="ltr">"And the fact that he put on clothes to sort of fit into that area is really quite rude."</p> <p dir="ltr">Stuff reported that NZ Police Inspector Tony Wakelin said the impersonation was inappropriate and that the operation would cease.</p> <p dir="ltr">Meanwhile, social media users have been slamming the police for their “sneaky ways”.</p> <p dir="ltr">"You cannot tell me this isn’t insanely deceptive," one commented.</p> <p dir="ltr">"This is shocking," another shared.</p> <p dir="ltr">"Isn't this entrapment?" a third said.</p> <p dir="ltr">Others defended the operation, saying that the police were just trying to prevent people from doing the wrong thing.</p> <p dir="ltr">"Lord. Get off your phone while you're driving. End of story," one wrote.</p> <p dir="ltr">"No this is good, I have been rear-ended by someone texting and driving," another added.</p> <p dir="ltr">"They are trying to prevent crime and save lives but at the same time they are distracting drivers which can cause accidents," one person shared on Reddit.</p> <p dir="ltr">“So it’s not a good method".</p> <p dir="ltr"><span id="docs-internal-guid-3b55a891-7fff-3770-adae-3246ffd162ab"></span></p> <p dir="ltr"><em>Images: Today FM</em></p>

Legal

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"Someone give them a raise": Hilarious way ground crew entertained trapped passengers

<p>Two very creative ground-crew air marshalls have enjoyed a brush with instant viral fame after hilarious footage of them entertaining passengers stuck on a delayed plane was shared to TikTok.</p> <p>Fortunately for the poor passengers stranded on the British Airways plane last month due to engineering issues, two nearby air marshalls were determined to pass the time and distract them following the tediously long delay, using their glowing marshalling wands to put on an entertaining performance.</p> <p>Air Marshall Quinten Moshy posted a video of his antics on TikTok, which quickly racked up close to 1 million views.</p> <p>"Put this in every ramp agent's job description," he joked in the caption.</p> <p>The video showed the two airport workers using their marshalling wands as if they were light sabres and acting out dramatic battle scenes. Committed to the performance, the marshalls ducked and weaved, while one pretended to die after he was 'struck'.</p> <p>Other antics included creating glowing smiley faces and hearts on the tarmac and dancing the moves to the song 'Y.M.C.A'.</p> <blockquote class="tiktok-embed" style="max-width: 605px; min-width: 325px;" cite="https://www.tiktok.com/@quintenmoshy/video/7117811535212301614" data-video-id="7117811535212301614"> <section><a title="@quintenmoshy" href="https://www.tiktok.com/@quintenmoshy?refer=embed" target="_blank" rel="noopener">@quintenmoshy</a> Put this in every ramp agent’s job description <a title="airport" href="https://www.tiktok.com/tag/airport?refer=embed" target="_blank" rel="noopener">#airport</a> <a title="airplane" href="https://www.tiktok.com/tag/airplane?refer=embed" target="_blank" rel="noopener">#airplane</a> <a title="travel" href="https://www.tiktok.com/tag/travel?refer=embed" target="_blank" rel="noopener">#travel</a> <a title="rampagent" href="https://www.tiktok.com/tag/rampagent?refer=embed" target="_blank" rel="noopener">#rampagent</a> <a title="pilot" href="https://www.tiktok.com/tag/pilot?refer=embed" target="_blank" rel="noopener">#pilot</a> <a title="bayarea" href="https://www.tiktok.com/tag/bayarea?refer=embed" target="_blank" rel="noopener">#bayarea</a> <a title="california" href="https://www.tiktok.com/tag/california?refer=embed" target="_blank" rel="noopener">#california</a> <a title="london" href="https://www.tiktok.com/tag/london?refer=embed" target="_blank" rel="noopener">#london</a> <a title="787" href="https://www.tiktok.com/tag/787?refer=embed" target="_blank" rel="noopener">#787</a> <a title="vacation" href="https://www.tiktok.com/tag/vacation?refer=embed" target="_blank" rel="noopener">#vacation</a> <a title="work" href="https://www.tiktok.com/tag/work?refer=embed" target="_blank" rel="noopener">#work</a> <a title="fyp" href="https://www.tiktok.com/tag/fyp?refer=embed" target="_blank" rel="noopener">#fyp</a> <a title="ymca" href="https://www.tiktok.com/tag/ymca?refer=embed" target="_blank" rel="noopener">#ymca</a> <a title="minions" href="https://www.tiktok.com/tag/minions?refer=embed" target="_blank" rel="noopener">#minions</a> <a title="starwars" href="https://www.tiktok.com/tag/starwars?refer=embed" target="_blank" rel="noopener">#starwars</a> <a title="lightsaber" href="https://www.tiktok.com/tag/lightsaber?refer=embed" target="_blank" rel="noopener">#lightsaber</a> <a title="happy" href="https://www.tiktok.com/tag/happy?refer=embed" target="_blank" rel="noopener">#happy</a> <a title="aviation" href="https://www.tiktok.com/tag/aviation?refer=embed" target="_blank" rel="noopener">#aviation</a> <a title="love" href="https://www.tiktok.com/tag/love?refer=embed" target="_blank" rel="noopener">#love</a> <a title="♬ Y.M.C.A. - The Minions" href="https://www.tiktok.com/music/YMCA-6795407731260917762?refer=embed" target="_blank" rel="noopener">♬ Y.M.C.A. - The Minions</a></section> </blockquote> <p>TikTok users really enjoyed the goofy act and one person said they should find a video from someone stranded on the plane so we could see what THEY were seeing out their windows.</p> <p>"Someone find the passengers POV," they wrote.</p> <p>Sure enough, fellow viewers pulled through and pointed to TikTok user Abi Smith, who had created her own video of the dramatic antics of the air marshalls.</p> <p>"POV: [Point of View]: Your plane gets delayed so the marshalls put on a performance." she captioned the video.</p> <blockquote class="tiktok-embed" style="max-width: 605px; min-width: 325px;" cite="https://www.tiktok.com/@abi_smithxxx/video/7117374061935676678" data-video-id="7117374061935676678"> <section><a title="@abi_smithxxx" href="https://www.tiktok.com/@abi_smithxxx?refer=embed" target="_blank" rel="noopener">@abi_smithxxx</a> <a title="britishairways" href="https://www.tiktok.com/tag/britishairways?refer=embed" target="_blank" rel="noopener">#britishairways</a> <a title="delayed" href="https://www.tiktok.com/tag/delayed?refer=embed" target="_blank" rel="noopener">#delayed</a> <a title="marshallers" href="https://www.tiktok.com/tag/marshallers?refer=embed" target="_blank" rel="noopener">#marshallers</a> <a title="♬ Angeleyes (Sped Up Version) - april aries bae (SVT)" href="https://www.tiktok.com/music/Angeleyes-Sped-Up-Version-7089425867910236954?refer=embed" target="_blank" rel="noopener">♬ Angeleyes (Sped Up Version) - april aries bae (SVT)</a></section> </blockquote> <p>People commented, saying the entertaining pair deserved a reward for their dedication.</p> <p>"Give the performers an applause," wrote one person.</p> <p>"Someone give them a raise," another added.</p> <p><em>Image: TikTok</em></p>

Travel Trouble

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Tragic last words of five-year-old trapped in well

<p dir="ltr">The final words of a five-year-old boy have been <a href="https://www.news.com.au/lifestyle/real-life/true-stories/world-gripped-by-tragic-story-of-fiveyearold-rayan-who-fell-down-well-in-morocco/news-story/c4d4dd221d46589028437e3cdb75323e" target="_blank" rel="noopener">revealed</a> by family members, following the young boy’s death after being trapped in a Moroccan well for days.</p><p dir="ltr">A male relative told <em>Reuters </em>news agency that Rayan Awram called out begging to be saved while waiting to be rescued.</p><p dir="ltr">He said the family first realised Rayan was missing when they heard sounds of muffled crying, using the camera light on their phone to find him.</p><p dir="ltr">“He was crying ‘lift me up’,” the relative said.</p><p dir="ltr">Rayan fell into a 32-metre shaft outside his home in Ighran, a village in northern Morocco, on Tuesday evening.</p><p><span id="docs-internal-guid-cf9b128e-7fff-681a-41f3-4f6fb2cadadc"></span></p><p dir="ltr">On Sunday, footage emerged showing Rayan being carried out of a tunnel constructed by rescuers, before the boy was rushed to an ambulance where his parents waited.</p><blockquote class="twitter-tweet"><p dir="ltr" lang="en">Photos the moments when Rayan,5, was removed from the 32 meter deep well in northern Morocco before he was announced dead.<br /><br />Innalillah. Rest in peace Rayan 💔<a href="https://twitter.com/hashtag/SaveRayan?src=hash&amp;ref_src=twsrc%5Etfw">#SaveRayan</a> <a href="https://twitter.com/hashtag/%D8%A7%D9%84%D8%B7%D9%81%D9%84_%D8%B1%D9%8A%D8%A7%D9%86?src=hash&amp;ref_src=twsrc%5Etfw">#الطفل_ريان</a> <a href="https://t.co/Cx8t79imxK">pic.twitter.com/Cx8t79imxK</a></p>— Tun Fadzil 🇲🇾🇵🇸 (@FAZHAJAZ) <a href="https://twitter.com/FAZHAJAZ/status/1490091910861848577?ref_src=twsrc%5Etfw">February 5, 2022</a></blockquote><p dir="ltr">It was later reported that the King of Morocco, Mohammed VI, confirmed that Rayan was pronounced dead after being taken to hospital.</p><p dir="ltr">The monarch expressed his condolences to the boy’s parents, Khaled Oram and Wassima Khersheesh.</p><p dir="ltr">Reports from Moroccan media said resuscitation specialists entered the tunnel alongside rescue crews, fearing Rayan may have needed life-saving medical care.</p><p dir="ltr">AFP correspondents reported that rescue teams moved at a snail’s pace for fear of triggering a landslide.</p><p dir="ltr">The risky earth-moving operation saw drill teams work by hand to avoid any vibrations that could bring soil down on the stricken child, according to local authorities.</p><p dir="ltr">“Eighty centimetres (less than three feet) separate us from Rayan but the drillers are working painstakingly to avoid any mishap,” engineer Mounir al-Jazouli told a local broadcaster.</p><p dir="ltr"><span id="docs-internal-guid-c24fc5c9-7fff-8140-56dc-d85c5fe47145"></span></p><p dir="ltr">Abdelhardi Tamrani, an official in charge of the rescue, said a camera inserted into the well where Rayan was stuck had shown him lying on his side.</p><p dir="ltr"><img src="https://oversixtydev.blob.core.windows.net/media/2022/02/tribute-rayan.jpg" alt="" width="1280" height="720" /></p><p dir="ltr"><em>Tributes to the five-year-old have flooded social media after the news of his passing on Sunday night. Image: @ShaykhAshiq (<a href="https://twitter.com/ShaykhAshiq/status/1490230757759107073" target="_blank" rel="noopener">Twitter</a>)</em></p><p dir="ltr">The efforts of the rescue teams gripped Moroccan residents, attracting onlookers who encouraged rescuers with applause, sang religious songs or prayed, chanting “Allahu akbar” (God is great) in unison. The operation even sparked sympathy in neighbouring Algeria, a regional rival.</p><p dir="ltr">Though rescuers had tried to get oxygen and water down to the five-year-old, AFP correspondents reported that it was unclear whether he was able to use them.</p><p dir="ltr">As night fell, they continued to work non-stop, using powerful floodlights that gave a gloomy air to the scene.</p><p dir="ltr">“I keep up hope that my child will get out of the well alive,” Rayan’s father told public television 2M on Friday evening. </p><p dir="ltr">“I thank everyone involved and those supporting us in Morocco and elsewhere.”</p><p dir="ltr"><span id="docs-internal-guid-c33c611f-7fff-dd16-ae34-d58823f8b28d"></span></p><p dir="ltr">The rescue mission sparked an outpouring of sympathy online, with the Arabic hashtag #SaveRayan beginning to trend.</p><blockquote class="twitter-tweet"><p dir="ltr" lang="en">Thank you, everyone who worked to rescue little Rayan. We will not forget your efforts and work. God bless Morocco 🇲🇦. <a href="https://twitter.com/hashtag/Rayan?src=hash&amp;ref_src=twsrc%5Etfw">#Rayan</a> <a href="https://t.co/GKJNwx64EK">pic.twitter.com/GKJNwx64EK</a></p>— Younes JEDDI (@YounesJeddi) <a href="https://twitter.com/YounesJeddi/status/1490305077453721604?ref_src=twsrc%5Etfw">February 6, 2022</a></blockquote><p dir="ltr">One person paid tribute to the rescue team working non-stop for days on end, saying, “they are real-life heroes”.</p><p dir="ltr">A volunteer at the site simply said he was there to help.</p><p dir="ltr">“We’ve been here for three days. Rayan is a child of our region. We won’t leave until he’s out of the well,” he said.</p><p dir="ltr"><span id="docs-internal-guid-8b8b93c3-7fff-2205-1a0a-a50c1ec42aa9"></span></p><p dir="ltr"><em>Image: Twitter</em></p>

Travel Trouble

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Trapped pensioners told to repay $16,000

<p dir="ltr" style="margin: 0px 0px 5px;padding: 0px;border: 0px;font-size: 16px;vertical-align: baseline">Two New Zealand pensioners stuck in Australia face potentially having to repay their super, after receiving a letter including a $16,000 bill from the Ministry of Social Development.</p><p dir="ltr" style="margin: 0px 0px 5px;padding: 0px;border: 0px;font-size: 16px;vertical-align: baseline">“We have stopped your payments and you will need to pay back the money you owe,” the government ministry told the pensioners.</p><p dir="ltr" style="margin: 0px 0px 5px;padding: 0px;border: 0px;font-size: 16px;vertical-align: baseline">Maureen and Rob Wardle, both in their 80s, were shocked to receive the bill after being stuck abroad for nearly a year.</p><p dir="ltr" style="margin: 0px 0px 5px;padding: 0px;border: 0px;font-size: 16px;vertical-align: baseline">“Our New Zealand super was stopped on November 9,” Maureen told the <a style="background-image: initial;background-position: initial;background-size: initial;background-attachment: initial;margin: 0px;padding: 0px;border: 0px;vertical-align: baseline" href="https://www.nzherald.co.nz/business/covid-19-miq-lockout-ministry-of-social-development-wants-16k-back-from-kiwi-couple/IRUE3RPBORGTI5S574DDQQK2WQ/" target="_blank" rel="noopener"><em style="margin: 0px;padding: 0px;border: 0px;vertical-align: baseline">New Zealand Herald</em></a>, explaining the couple’s resulting financial and emotional distress.</p><p dir="ltr" style="margin: 0px 0px 5px;padding: 0px;border: 0px;font-size: 16px;vertical-align: baseline">However, the bigger blow came on December 6, with the delivery of the letter demanding the Wardles repay all the money they received from New Zealand while they were in Australia.</p><p dir="ltr" style="margin: 0px 0px 5px;padding: 0px;border: 0px;font-size: 16px;vertical-align: baseline">Having left New Zealand last April, the couple have exceeded the maximum 26 weeks New Zealand pensioners are allowed to be overseas while continuing to receive their super.</p><p dir="ltr" style="margin: 0px 0px 5px;padding: 0px;border: 0px;font-size: 16px;vertical-align: baseline">As a result, Mr Wardle now owes $7676.33 and Mrs Wardle owes $8533.17, totalling $16,209.50.</p><p dir="ltr" style="margin: 0px 0px 5px;padding: 0px;border: 0px;font-size: 16px;vertical-align: baseline">With no super coming from the New Zealand government over the last three months and no Australian support for people in similar situations, the couple say all their money has been spent surviving abroad, leaving none to repay their debt.</p><p dir="ltr" style="margin: 0px 0px 5px;padding: 0px;border: 0px;font-size: 16px;vertical-align: baseline">“As you can imagine, all this has been a huge worry for us. We are in our 80s and not computer savvy,” Mrs Wardle said.</p><p dir="ltr" style="margin: 0px 0px 5px;padding: 0px;border: 0px;font-size: 16px;vertical-align: baseline">“We just want to go home to go into Work and Income and talk to someone in person.”</p><p dir="ltr" style="margin: 0px 0px 5px;padding: 0px;border: 0px;font-size: 16px;vertical-align: baseline">The couple received the December 6 letter from an international customer service officer based in Wellington.</p><p dir="ltr" style="margin: 0px 0px 5px;padding: 0px;border: 0px;font-size: 16px;vertical-align: baseline">The letter read: “We always want to make sure we get it right for people so we recently reviewed your payments after we found you’d left the country on 25/04/21 on flight number NZ149.</p><p dir="ltr" style="margin: 0px 0px 5px;padding: 0px;border: 0px;font-size: 16px;vertical-align: baseline">“Because you received New Zealand superannuation, we can continue to pay you for the first 26 weeks you’re overseas as long as you return within 30 weeks. If you don’t return within the 30 weeks, we will have to stop your New Zealand superannuation from the day after you left the country.</p><p dir="ltr" style="margin: 0px 0px 5px;padding: 0px;border: 0px;font-size: 16px;vertical-align: baseline">“We wrote to you about this on 27/10/21 and I’m getting back in touch to let you know we paid you too much. You need to pay some money back. From 26/04/21 to 09/11/21, unfortunately, you received money from us you didn’t qualify for because you were overseas.”</p><p dir="ltr" style="margin: 0px 0px 5px;padding: 0px;border: 0px;font-size: 16px;vertical-align: baseline">To make the situation more stressful, Mrs Wardle said she is worried about how the couple will continue to afford to live, with the closed New Zealand borders meaning they still can’t go home.</p><p dir="ltr" style="margin: 0px 0px 5px;padding: 0px;border: 0px;font-size: 16px;vertical-align: baseline">New Zealand opposition revenue spokesman Andrew Bayly expressed deep concern about the couple, saying that situations like theirs should never have been able to occur.</p><p dir="ltr" style="margin: 0px 0px 5px;padding: 0px;border: 0px;font-size: 16px;vertical-align: baseline">Mr Bayly has been working with a number of Kiwi pensioners in similar situations to the Wardles, with some trapped in Australia and one couple in Morocco.</p><p dir="ltr" style="margin: 0px 0px 5px;padding: 0px;border: 0px;font-size: 16px;vertical-align: baseline">“The issue of superannuitants who are stuck overseas and have been unable to get a spot in MIQ (Managed Isolation and Quarantine) is widespread. In fact, I would imagine virtually all electorate MPs have been approached by superannuants caught in this difficult situation,” he said.</p><p dir="ltr" style="margin: 0px 0px 5px;padding: 0px;border: 0px;font-size: 16px;vertical-align: baseline">“Given many seniors rely on their super to pay for their living costs, it is appalling that there is such a merciless approach that many superannuitants face the prospect of having their super cut off or, in some cases, having to refund their super.”</p><p dir="ltr" style="margin: 0px 0px 5px;padding: 0px;border: 0px;font-size: 16px;vertical-align: baseline">The Wardle's situation comes after news of New Zealanders in similar situations who are struggling to return home via the country’s quarantine system, which enables Kiwis to book spots in government-run quarantine facilities.</p><p dir="ltr" style="margin: 0px 0px 5px;padding: 0px;border: 0px;font-size: 16px;vertical-align: baseline">In their case, Mrs Wardle said they went to Australia so her husband could undergo surgery.</p><p dir="ltr" style="margin: 0px 0px 5px;padding: 0px;border: 0px;font-size: 16px;vertical-align: baseline">While he was recovering, the borders unexpectedly closed.</p><p dir="ltr" style="margin: 0px 0px 5px;padding: 0px;border: 0px;font-size: 16px;vertical-align: baseline">They were able to return to New Zealand for just one week in April, before flying back to Australia for more surgery.</p><p dir="ltr" style="margin: 0px 0px 5px;padding: 0px;border: 0px;font-size: 16px;vertical-align: baseline">When asked whether they could have returned while the trans-Tasman bubble was in operation in July, she said sickness prevented them from leaving the country.</p><p dir="ltr" style="margin: 0px 0px 5px;padding: 0px;border: 0px;font-size: 16px;vertical-align: baseline">“Unfortunately my husband has an aortic aneurysm which has caused multiple surgeries. He had another endoleak and went into hospital again on July 21 for transcatheter therapy for embolisation with angiography.</p><p dir="ltr" style="margin: 0px 0px 5px;padding: 0px;border: 0px;font-size: 16px;vertical-align: baseline">“Our New Zealand pension is our main source of income as the interest rates are so low on investments so we have become dependent on it [and] you can imagine our distress when it was cut off for no fault of our own,” she said.</p><p dir="ltr" style="margin: 0px 0px 5px;padding: 0px;border: 0px;font-size: 16px;vertical-align: baseline">“We have found it physically impossible to get back to New Zealand in the time frames due to Covid.”</p><p dir="ltr" style="margin: 0px 0px 5px;padding: 0px;border: 0px;font-size: 16px;vertical-align: baseline">George van Ooyen, the ministry’s client service support group general manager, said applications for super to extend beyond 26 weeks were being considered on a “case-by-case basis”.</p><p dir="ltr" style="margin: 0px 0px 5px;padding: 0px;border: 0px;font-size: 16px;vertical-align: baseline">“This is available to people whose absence from New Zealand is solely linked to the travel bubble closure, and it will continue as long as it is needed,” he said.</p><p dir="ltr" style="margin: 0px 0px 5px;padding: 0px;border: 0px;font-size: 16px;vertical-align: baseline">“We encourage New Zealanders overseas to contact us and discuss how we may be able to help within the parameters of discretion legislation allows us.”</p><p dir="ltr" style="margin: 0px 0px 5px;padding: 0px;border: 0px;font-size: 16px;vertical-align: baseline"><em style="margin: 0px;padding: 0px;border: 0px;vertical-align: baseline">Image: The New Zealand Herald</em></p>

Money & Banking

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Aldi customer gets trapped inside store

<p><em>Image: TikTok </em></p> <p>A customer has revealed how he became trapped inside his local Aldi store and had to be rescued by police.</p> <p>Sharing on Tiktok, the shopper said he and another person were perusing the aisles of a store in the US when staff accidentally locked them inside.</p> <p>In the video, the man claimed the store was meant to close at 9pm. However at 8.45pm, he was stunned to see that the doors had been deadbolted with no warning.</p> <p>“During the pandemic, ALDI closed early and the cashier neglected to make sure no customers were left in the store,” he said, adding the hashtag #youhadonejob.</p> <p>In the video, the TikTok user said he was forced to call police for help.</p> <p>“Oh my gosh, this is no s***,” he said in the video.</p> <p>“Check this out - I just got locked inside ALDI. It doesn’t close till 9pm. OMG.</p> <p>“Can anyone hear me? I’m locked in an ALDI. So I had to call 911 because the alarm was activated and I can’t get out.”</p> <p>He went on to say that he’d helped himself to a six-pack of beer and wine to pass the time. “I don’t have to worry about starving to death because there’s plenty of food and there’s also a bunch of alcohol on that rack,” he said.</p> <p>After enjoying some beer, he said: “Still waiting to be let out. Upgrading to wine since I feel like I own the place.”</p> <p>After a 30 minute wait, the shopper said police eventually arrived and arranged for a manager to open the door.</p> <p>“Thirty minutes and a bottle of wine later, help arrives.”</p> <p>The shopper’s video has since gone viral, attracting 4.5 million views more than 300,000 likes and comments.</p> <p>Most TikTok users were amused by the shopper’s experience.</p> <p>“Party at ALDI!” said one.</p> <p>Added another: “All the food and alcohol. And ALDI usually has blankets. I would have camped out and surprised the opener the next day!”</p>

Travel Trouble

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"Stuck for hours": Removal of stairs traps woman in her home

<p><em>Image: TikTok</em></p> <p>A woman was shocked to find the stairs for her apartment complex had been removed without warning, leaving her, and other tenants trapped inside. She shared her story on TikTok, shocking over 1.2 million people over the strange decision that left her “stuck for hours”.</p> <p>Olivia Crump thought it was just an ordinary morning, opening her door to start her day, however as she peered outside, she realised something was terribly wrong. The stairs were gone.</p> <p>Olivia lives on the third floor of her apartment building with no way to leave without climbing over the ledge. She grabbed her camera to film the incident, later posting it to TikTok where it went viral.</p> <p>Olivia said in the video: “When your apartment removes the stairs without warning and you’re stuck for hours.”</p> <p>She posted it alongside the song ‘hell to the no’ and comments were quickly encouraging Olivia to contact a fire marshall. In an interview with the<span> </span>Daily Dot, the TikToker explained that “it was impossible to get down without climbing over the ledge with a ladder or scaling the side with a decent drop below”.</p> <p>“My apartment complex didn’t notify any of the residents beforehand (and still hasn’t reached out since this happened),” she said.</p> <p>Olivia revealed that she and her neighbours were stuck for nearly four hours before a worker granted her permission to go down the unfinished steps.</p> <p>The TikToker shared that she called her neighbours and they too were unaware the stairs were being removed. Olivia wrote in reply to a comment, “these complexes run by huge housing companies just mess with people’s lives and get away with it because people need places to live”.</p> <p>Comments were filled with people sharing similar stories and encouraging Olivia to take action.</p> <p>“Definitely a fire hazard. They should have had everyone leave or made a temporary alternative route,” one user wrote.</p> <p>“Building Code, Fire and Lease Violations. Hefty, hefty fines,” another said.</p>

Travel Trouble

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“Heroic” officers and bystanders free trapped baby

<p><span style="font-weight: 400;">Shocking footage has captured the moment police officers and bystanders lifting a car to save a trapped baby.</span></p> <p><span style="font-weight: 400;">The incident happened in the town of Yonkers in New York on Friday, when a 43-year-old driver allegedly crashed into a car then careened across the road and into the front of a local barber shop.</span></p> <p><span style="font-weight: 400;">As the car moved across the road, a woman was crossing the street with her eight-month-old daughter in her arms. The pair were hit by the car and landed on the bonnet as it crashed into the shop.</span></p> <p><span style="font-weight: 400;">Two police officers, who were nearby ordering breakfast, rushed to the scene to investigate.</span></p> <p><span style="font-weight: 400;">Once it was discovered the baby was trapped underneath the car, the officers and several bystanders worked together to lift the car and free the baby.</span></p> <p><span style="font-weight: 400;">“Luckily, two veteran officers of Yonkers’ finest just happened to be getting breakfast next door and quickly took action along with members of the community to rescue a child trapper under the vehicle and render aid to her mother,” Police Commissioner John Mueller said in a statement.</span></p> <p><span style="font-weight: 400;">“The actions taken are nothing short of heroic.”</span></p> <p><span style="font-weight: 400;">The mother and daughter were left with serious injuries but are expected to survive.</span></p> <p><span style="font-weight: 400;">The mother suffered a fractured femur and the baby had a fractured skull and third-degree burns on her back and foot, according to police.</span></p> <p><span style="font-weight: 400;">The driver, David Poncurak, was uninjured.</span></p> <p><span style="font-weight: 400;">He was charged with several offences, including second-degree vehicular assault, driving while intoxicated, and second-degree aggravated unlicensed operation of a vehicle.</span></p> <p><em><span style="font-weight: 400;">Image: Yonkers Police Department</span></em></p>

Travel Trouble

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Avoid these three things to maximise your retirement income

<p><span style="font-weight: 400;">Everyone wants to start their retirement with enough funds to live as comfortably as possible.</span></p> <p><span style="font-weight: 400;">One of the biggest sources of many Australians’ retirement incomes will be their super funds.</span></p> <p><span style="font-weight: 400;">But, the banking royal commission found that super funds have some problems and don’t always serve our best interests as customers.</span></p> <p><span style="font-weight: 400;">Here are three traps to avoid that could potentially save you tens of thousands of dollars.</span></p> <p><strong>Falling for bigger returns</strong></p> <p><span style="font-weight: 400;">Switching from an industry super fund to a retail fund might sound appealing, but the large returns these retail funds offer also come with high and potentially costly risks.</span></p> <p><span style="font-weight: 400;">Appearing on 7.30, Michelle Bradley-Smith detailed how a cold-call from a smooth talking financial advisor put her retirement at risk.</span></p> <p><span style="font-weight: 400;">“They were very persuasive,” she told the program.</span></p> <p><span style="font-weight: 400;">With just $120,000 in her industry super account and rapidly approaching retirement, Ms Bradley-Smith was convinced to move her super from the industry fund into a higher-risk AMP account.</span></p> <p><span style="font-weight: 400;">“He said that his company could make me another $24,000 as opposed to what the company I was with at the time could make me,” she said.</span></p> <p><span style="font-weight: 400;">“And it sounded like $24,000 extra when I only had seven years of work left. It sounded good.”</span></p> <p><span style="font-weight: 400;">After the 2018 banking royal commission started repeatedly calling out AMP’s conduct, Ms Bradley-Smith realised she made a grievous error.</span></p> <p><span style="font-weight: 400;">She paid more than $4,000 upfront to transfer her super and had committed thousands more in annual fees.</span></p> <p><span style="font-weight: 400;">Over the next six months, she watched as super balance began to shrink.</span></p> <p><span style="font-weight: 400;">“After them telling me that they were there to make money, I lost … $7,000 and that’s not what I was there for,” she said.</span></p> <p><span style="font-weight: 400;">“I thought, ‘I’m going to be losing money. By the time I’m 67 I might not even have $100,00’.”</span></p> <p><strong>Having multiple accounts</strong></p> <p><span style="font-weight: 400;">Approximately a third of Australian super accounts are known as “unintended multiples”, totalling about 10 million accounts.</span></p> <p><span style="font-weight: 400;">Despite campaigns aimed at reducing the problem, nearly 40 percent of Australians have more than one super account.</span></p> <p><span style="font-weight: 400;">Not consolidating existing funds can mean you pay more in fees across all of your accounts, ultimately reducing the amount of money available when you retire.</span></p> <p><strong>Unnecessary insurance</strong></p> <p><span style="font-weight: 400;">Most super accounts come with multiple forms of insurance such as life insurance, and total and permanent disability insurance.</span></p> <p><span style="font-weight: 400;">When combined with multiple accounts, each coming with their own insurance, this can become a problem.</span></p> <p><span style="font-weight: 400;">“One in four Australians are not aware whether or not they have life insurance through their superannuation,” the Productivity Commission chairman Michael Brennan told 7.30.</span></p> <p><span style="font-weight: 400;">“And one in six have duplicate accounts, which means they’re paying premiums on more than one account.”</span></p> <p><span style="font-weight: 400;">Though this might not seem like much of a problem, it comes with some unintended consequences.</span></p> <p><span style="font-weight: 400;">“They can’t claim on both [accounts],” Mr Brennan said.</span></p> <p><span style="font-weight: 400;">This means that you might be paying for multiple forms of insurance and only gain some of the benefits when it comes to claiming them.</span></p>

Retirement Income

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5 ways to escape the credit card debt trap

<p>Feeling the pinch towards the end of the year and want to get ahead on your finances and debt? Here are some suggestions.</p> <ol> <li><strong>Start a piggy bank</strong> Go old-school! Save up for purchases instead of buying on impulse.</li> <li><strong>Only use one credit card.</strong> The more cards you have, the more you’ll be tempted to carry a larger balance and take on unwanted debt.</li> <li><strong>Pay the highest interest rate first.</strong> If possible, pay off your credit card bills and card balance in full each month. Or pay as much as you can afford above the mandatory payments on the highest interest rate card first. Set up a direct debit for minimum payments to avoid late fees or transfer your balance to a new 0% interest credit card for a limited time.</li> <li><strong>Spend less than you earn.</strong> Cut back on unnecessary expenses and use what you already have before buying new things. Create a self-imposed ‘spending freeze’ for a few months. Take your credit card out of your wallet and only use physical cash for a month.</li> <li><strong>Don’t spend ‘imaginary money’. </strong>Avoid spending any money you haven’t yet earned and lower your credit card limit to help avoid temptation. Financial experts suggest keeping records, making a budget and sticking to it. If you have more than one card, close off each credit card as you pay it off.</li> </ol> <p><em>Written by Readers Digest Editors. This article first appeared in <a href="https://www.readersdigest.com.au/money/5-Ways-to-Escape-the-Credit-Card-Debt-Trap">Reader’s Digest</a>. For more of what you love from the world’s best-loved magazine, <a href="http://readersdigest.innovations.co.nz/c/readersdigestemailsubscribe?utm_source=over60&amp;utm_medium=articles&amp;utm_campaign=RDSUB&amp;keycode=WRN93V">here’s our best subscription offer</a>.</em></p>

Money & Banking

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The benefits and trappings of nostalgia

<p>In his song <em>Time Was</em>, counterculture singer <a href="http://www.metrolyrics.com/time-was-lyrics-phil-ochs.html">Phil Ochs reminisces</a> about a past “when a man could build a home, have a family of his own. The peaceful years would flow; he could watch his children grow. But it was a long time ago.”</p> <p>To Ochs, simpler times were better: “troubles were few…a man could have his pride; there was justice on his side…there was truth in every day.”</p> <p><a href="http://www.allmusic.com/artist/phil-ochs-mn0000333634/biography">Ochs</a> recorded <em>Time Was </em>in 1962, when he was just 22 years old. He had yet to witness the most tumultuous parts of the 1960s – the assassinations of President John F. Kennedy and Senator Robert F. Kennedy, the polarization wrought by the Vietnam War, and the civil rights and feminist movements.</p> <p>Half a century later – with the rapid, dramatic consequences of social and political upheaval, with technological advances that have radically transformed our daily lives – some might similarly find themselves longing for a time when “troubles were few” and “there was truth in every day.”</p> <p>Constantly being plugged into the internet and social media <a href="http://akademiai.com/doi/abs/10.1556/2006.4.2015.010">is thought to be associated with higher rates of anxiety and depression</a>. Online messaging and communication <a href="https://theconversation.com/how-news-sites-online-comments-helped-build-our-hateful-electorate-70170">have created misunderstanding and divisions</a>, and many feel as though <a href="https://www.researchgate.net/publication/270006660_The_dark_side_of_social_networking_sites_An_exploration_of_the_relational_and_psychological_stressors_associated_with_Facebook_use_and_affordances">they’ve lost control over their privacy</a>.</p> <p><a href="https://www.prri.org/research/survey-anxiety-nostalgia-and-mistrust-findings-from-the-2015-american-values-survey/">A recent poll</a> even revealed that a majority of Americans think that America’s culture and way of life have mostly changed for the worse since the 1950s.</p> <p>But what effect does this longing have? Is it a useful psychological tool or a perilous trapping?</p> <p><strong>A bittersweet longing</strong></p> <p>In life, change is the default, not the exception; transformation is baked into every aspect of our world, from physical growth to scientific progress. Novelty, meanwhile, is an antidote to boredom, stagnation and satiation.</p> <p>Nonetheless, people long for stability. Change can threaten well-being, especially when it requires a new set of skills to meet new demands. Stress can accompany unexpected or extreme change, since our ability to control situations depends upon a reasonable degree of predictability. (Imagine not knowing if a stone would fall or rise when you let go of it.)</p> <p>Nostalgia is a bittersweet yearning for the past. It’s sweet because it allows us to momentarily relive good times; it’s bitter because we recognize that those times can never return. Longing for our own past is referred to as personal nostalgia, and preferring a distant era is termed <a href="https://www.researchgate.net/publication/261582221_Historical_and_Personal_Nostalgia_in_Advertising_Text_The_Fin_de_siecle_Effect">historical nostalgia</a>.</p> <p>Although nostalgia is universal, <a href="https://www.researchgate.net/publication/15575331_Nostalgia_A_Psychological_Perspective">research has shown</a> that a nostalgic yearning for the past is especially likely to occur during periods of transition, like maturing into adulthood or aging into retirement. Dislocation or alienation resulting from military conflict, moving to a new country or technological progress can also elicit nostalgia.</p> <p><strong>A stabilising force</strong></p> <p>In the face of instability, our mind will reach for our positive memories of the past, <a href="https://positivepsychologyprogram.com/pollyanna-principle/">which tend to be more crystallized</a> than negative or neutral ones.</p> <p><a href="https://www.ncbi.nlm.nih.gov/pubmed/23646885">In the past</a>, theorists tended to think of nostalgia as a bad thing – a retreat in the face of uncertainty, stress or unhappiness. In 1985, psychoanalytic theorist <a href="http://onlinelibrary.wiley.com/doi/10.1111/j.1465-5922.1985.00135.x/abstract">Roderick Peters</a> described extreme nostalgia as debilitative, something “that persists and profoundly interferes with the individual’s attempts to cope with his present circumstances.”</p> <p>But contemporary research, including my own, has contradicted this maladaptive view.</p> <p><a href="http://www.wildschut.me/Tim_Wildschut/Home_files/Sedikides,%20Wildschut,%20Routledge,%20%26%20Arndt,%202015,%20European%20Journal%20of%20Social%20Psychology.pdf">A 2015 study</a> showed that nostalgic reminiscence can be a stabilizing force. It can strengthen our sense of personal continuity, reminding us that we possess a store of powerful memories that are deeply intertwined with our identity. The person who listened to his grandpa’s stories as a little boy, played youth baseball and partied with friends in high school is still that same person today.</p> <p><a href="https://www.researchgate.net/profile/Krystine_Batcho/publications">Research I’ve conducted since 1998</a> has shown that nostalgic memories tend to focus on our relationships, which can comfort us during stressful or difficult times. Although we’ve become independent and mature (perhaps even a bit jaded), we’re still our parents’ child, our brother’s sibling and our lover’s confidant. In developing a retrospective <a href="https://link.springer.com/article/10.1007/s10902-010-9213-y">survey of childhood experiences</a>, I found that remembering that we experienced unconditional love as children can reassure us in the present – especially during trying times. These memories can fuel the courage to confront our fears, take reasonable risks and tackle challenges. Rather than trapping us in the past, nostalgia can liberate us from adversity by promoting personal growth.</p> <p>My studies have also shown that people with a greater propensity for nostalgia <a href="https://www.ncbi.nlm.nih.gov/pubmed/24027948">are better able to cope</a> with adversity and are more likely to seek emotional support, advice and practical help from others. They’re also more likely to avoid distractions that prevent them from confronting their troubles and solving problems.</p> <p><strong>Nostalgia’s fine line</strong></p> <p>But for all its benefits, nostalgia can also seduce us into retreating into a romanticized past.</p> <p>The desire to escape into the imagined, idealized world of a prior era – even one you weren’t alive for – represents a different, independent type of nostalgia called <a href="https://www.researchgate.net/publication/261582221_Historical_and_Personal_Nostalgia_in_Advertising_Text_The_Fin_de_siecle_Effect">historical nostalgia</a>.</p> <p>Historical nostalgia is often concurrent with a deep dissatisfaction with the present and a preference for the way things were long ago. Unlike personal nostalgia, someone who experiences historical nostalgia might have a more cynical perspective of the world, one colored by pain, trauma, regret or <a href="https://link.springer.com/article/10.1007/s10902-010-9213-y">adverse childhood experiences</a>.</p> <p>Nonetheless, from a treatment perspective, <a href="http://www.tandfonline.com/doi/abs/10.2753/RPO1061-0405490306">reports suggest</a> that personal nostalgia can be used therapeutically to help individuals move beyond trauma in the aftermath of violence, exile or loss. At the same time, someone who has endured trauma, without proper treatment, could become subsumed by a malignant form of nostalgia that leads to a perpetual yearning to return to the past.</p> <p>Ultimately, when we focus on our own life experiences – falling back on our store of happy memories – nostalgia is a useful tool. It’s a way to harness the past internally to endure change – and create hope for the future.<!-- 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/77766/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>Written by <span>Krystine Batcho, Professor of Psychology, Le Moyne College</span>. Republished with permission of </em><a href="https://theconversation.com/the-psychological-benefits-and-trappings-of-nostalgia-77766"><em>The Conversation</em></a><em>. </em></p>

Mind

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17 weight gain traps on cruise ships to be wary of

<p>Don’t come home with too much excess baggage.</p> <p><strong>1. All-inclusive mentality</strong></p> <p>Just because it’s free, doesn’t mean you have to eat/drink it. Many people get into the mindset that they should take advantage of every tasty thing a cruise ship has on offer because they’ve already paid for it. You don’t!</p> <p><strong>2. No routine</strong></p> <p>A stable and healthy routine is proven to be one of the best ways to keep your weight in check. On a cruise, that all goes out the window – and the kilos creep on…</p> <p><strong>3. Portion sizes</strong></p> <p>It’s only too easy to load up your plate at the buffet and eat twice what you normally would. Choose a small plate and take it easy.</p> <p><strong>4. Soft drink</strong></p> <p>Many cruise ships include all you can drink soda with meals, but they are just empty calories in a glass. Stick to water.</p> <p><strong>5. Cooked breakfast</strong></p> <p>Most people don’t eat a full cooked breakfast every day at home, so it’s a shock to the system to start when on a cruise. Try to start the day with a light meal</p> <p><strong>6. Too much booze</strong></p> <p>How often do you drink at home? A couple of times a week? On a cruise you’re likely to imbibe every day and alcohol can quickly add to your waistline. Keep it to one or two at dinner and aim for an alcohol free day now and then.</p> <p><strong>7. Creamy cocktails</strong></p> <p>There can be more than 200 calories in a piña colada, so creamy cocktails add up quickly. Try vodka and soda water or a white wine spritzer instead.</p> <p><strong>8. Constant snacking</strong></p> <p>Food is available 24 hours a day on a ship, there are multiple food outlets and you don’t have to cook any of it. So it’s very easy to fall into a pattern of eating round the clock.</p> <p><strong>9. Multiple courses</strong></p> <p>How often do you eat a full three-course lunch and three-course dinner at home? Hardly ever. But on a cruise ship, it’s the norm and you’ll quickly notice the impact.</p> <p><strong>10. Extra bread</strong></p> <p>Stay away from the bread basket! It will be brought to your table every time you dine at the main or specialty restaurants and adds heaps of unnecessary calories to your meal.</p> <p><strong>11. Lack of exercise</strong></p> <p>Sure, there’s a gym onboard, but more often than not you’ll find it empty. People pack their exercise gear with the best of intentions but most fall out of their usual exercise regime.</p> <p><strong>12. Local delicacies</strong></p> <p>When you arrive in a new destination, trying the food is usually top of the list. It’s amazing how many extra calories you can pack in just by sampling a few local treats.</p> <p><strong>13. Using the elevators</strong></p> <p>On a modern cruise ship, you could get away without taking the stairs for weeks at a time. Burn some excess calories and steer clear of the elevators.</p> <p><strong>14. Being unprepared</strong></p> <p>At breakfast, grab some pieces of fruit from the buffet so you can snack throughout the day. Otherwise, you’ll head straight for the burger stand or ice cream bar when you’re feeling puckish.</p> <p><strong>15. Lazy excursions</strong></p> <p>Many shore excursions involve little more than sitting on a bus or lying on a beach all day – hardly conducive to fitness. Try to choose active excursions where you can.</p> <p><strong>16. Added extras</strong></p> <p>Cooking classes, dessert demonstrations, movie nights with popcorn – there are lots of opportunities onboard to consume food outside of meal times. Be aware of the extras you’re eating every day.</p> <p><strong>17. Confusing boredom with hunger</strong></p> <p>Sea days can stretch out (especially if the weather is bad) so you might try to fill some time with eating rather than activities. Stop and ask yourself if you’re really hungry.</p>

Travel Trouble

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The new, clever way to avoid the tourist traps

<p>How many times have you followed the recommendations of a travel guide, only to show up at the venue and find yourself surrounded by tourists? The good news is, thanks to this canny piece of technology from <a href="https://www.tripadvisor.com.au/" target="_blank"><span style="text-decoration: underline;"><strong>travel review site TripAdvisor</strong></span></a>, it’s easier than ever to find out where the locals got to eat (and how to avoid the crowds).</p> <p>TripAdvisor’s Check-Index reveals the most frequented hotels, restaurants and attractions in major world tourism destinations, revealing which ones are most popular with the tourist and which ones are more often frequented by travellers.</p> <p>TripAdvisor’s vice president of consumer experience Jeff Chow said, “It's interesting to see how in some cities travellers and locals are drawn to the same things to do or places to eat, while in others you see distinct differences in their preferences.”</p> <p>To see the insights, scroll below. It makes for an interesting read (and might just point you in the right direction when planning your next trip).</p> <p><strong>Attractions</strong></p> <p><strong>Sydney</strong></p> <p><strong>Tourists:</strong></p> <p>1. Sydney Opera House</p> <p>2. Darling Harbour</p> <p>3. Bondi Beach</p> <p><strong>Locals</strong></p> <p>1. Olympic Stadium</p> <p>2. Sydney Opera House</p> <p>3. The Star</p> <p><strong>New York</strong></p> <p><strong>Attractions</strong></p> <p><strong>Tourists</strong></p> <p>1. Madison Square Garden</p> <p>2. The National 9/11 Memorial &amp; Museum</p> <p>3. Times Square</p> <p><strong>Locals</strong></p> <p>1. Madison Square Garden</p> <p>2. Bryant Park</p> <p>3. One World Observatory – World Trade Centre</p> <p><strong>Paris</strong></p> <p><strong>Attractions</strong></p> <p><strong>Tourists</strong></p> <p>1. Musée du Louvre</p> <p>2. Eiffel Tower</p> <p>3. Galeries Lafaytte</p> <p><strong>Locals</strong></p> <p>1. Les Quatres Temps</p> <p>2. Les Halles</p> <p>3. Printemps</p> <p><strong>Rome</strong></p> <p><strong>Attractions</strong></p> <p><strong>Tourists</strong></p> <p>1. Colosseum</p> <p>2. Trevi Fountain</p> <p>3. Spanish Steps</p> <p><strong>Locals</strong></p> <p>1. Stadio Olimpico</p> <p>2. Spanish Steps</p> <p>3. Villa Borghese</p> <p><strong>London</strong></p> <p><strong>Attractions</strong></p> <p><strong>Tourists</strong></p> <p>1. Tower of London</p> <p>2. Borough Market</p> <p>3. British Museum</p> <p><strong>Locals</strong></p> <p>1. Borough Market</p> <p>2. St Paul's Cathedral</p> <p>3. Sky Garden</p> <p> </p>

Travel Tips