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Overhaul of payments system to cover digital wallets, buy now pay later, cryptocurrency

<p>Treasurer Josh Frydenberg will announce on Wednesday a comprehensive reform of regulations governing the payments system, to bring it up to date with innovations such as digital wallets and cryptocurrency.</p> <p>The government says without the changes – the biggest in 25 years – Australians businesses and consumers could increasingly be making transactions in spaces beyond the full reach of Australian law, where rules were determined by foreign governments and multinationals.</p> <p>It points out that in three decades payment methods have gone from cash to cheques, cheques to credit cards, credit cards to debit cards and now to “tap and go” via digital wallets on phones or watches.</p> <p>Around a decade ago, cryptocurrency was a concept. Currently, there are more than 220 million participants in the worldwide crypto market, including many in Australia.</p> <p>The planned reforms will centralise oversight of the payment system by ensuring government plays a greater leadership role. The treasurer will be given more power to intervene in certain circumstances.</p> <p>Consumer protection will be strengthened, and more competition and innovation will be promoted.</p> <p>The reform program will be in two phases. There will be consultations in the first half of next year on those that are most urgent and easy to implement. Consultations on the rest will be done by the end of the year.</p> <p>The government says the present one-size-fits-all licensing framework for payment service providers will be replaced graduated, risk-based regulatory requirements.</p> <p>There will be consideration of the feasibility of a retail central bank digital currency, and an examination of “de-banking” (where a bank declines to offer a service to a business or individual).</p> <p>Frydenberg says the comprehensive payments and crypto asset reform program would “firmly place Australia among a handful of lead countries in the world.</p> <p>"It is how we will capitalise on the opportunity for Australia to lead the world in this emerging and fast-growing area which has almost endless potential applications across the economy,” he says.</p> <p>“For businesses, these reforms will address the ambiguity that can exist about the regulatory and tax treatment of crypto assets and new payment methods.</p> <p>"In doing so, it will drive even more consumer interest, facilitate even more new entrants and enable even more innovation to take place.</p> <p>"For consumers, these changes will establish a regulatory framework to underpin their growing use of crypto assets and clarify the treatment of new payment methods.”<!-- 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/173331/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /><!-- End of code. If you don't see any code above, please get new code from the Advanced tab after you click the republish button. The page counter does not collect any personal data. More info: https://theconversation.com/republishing-guidelines --></p> <p><span><a href="https://theconversation.com/profiles/michelle-grattan-20316">Michelle Grattan</a>, Professorial Fellow, <em><a href="https://theconversation.com/institutions/university-of-canberra-865">University of Canberra</a></em></span></p> <p>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/overhaul-of-payments-system-to-cover-digital-wallets-buy-now-pay-later-cryptocurrency-173331">original article</a>.</p> <p><em>Image: Shutterstock</em></p>

Retirement Income

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Lottery winner drowns with winning ticket still in his wallet

<p>A 57-year-old man has drowned in a lake with a winning lottery ticket in his wallet. </p> <p>Michigan-local Gregory Jarvis was found washed up on a beach in the state's east, almost 10 days after scooping the impressive jackpot. </p> <p>Gregory had been at a local inn on September 13 when he won $45,000 in a Club Keno game. </p> <p>He was unable to cash out his winnings straight away, as he didn't have his social security card with him at the time. </p> <p>According to the state of Michigan and <a rel="noopener" href="https://www.abc12.com/2021/09/28/caseville-drowning-victim-had-winning-lottery-ticket-his-wallet/" target="_blank">ABC12 news</a>, social security cards must be presented in order to cash lottery jackpot winnings over $600.</p> <p>Gregory had applied for a new card and was planning to visit his family with the winnings once he could cash them in, according to the Blue Water Inn owner Dawn Talaski. </p> <p>Gregory returned to the inn's bar on September 19 to celebrate his win as he bought a round of drinks.</p> <p>However, when he didn't show up as usual the following day, inn owner Dawn became concerned. </p> <p><span>"He wasn’t here all week and we thought, something is wrong," she said.</span></p> <p><span>Gregory's boss even went to the bar on September 22 to search for him when he hadn't shown up for work. </span></p> <p><span>Two days later, a local resident called the police when they witnesses a body had washed ashore on their private beach in Huron County. </span></p> <p><span>The body was found near a boat, and police confirmed the boat belonged to Gregory Jarvis.</span></p> <p><span>An autopsy revealed that Gregory had hit his head before he drowned.</span></p> <p><span>Local police found the winning lottery ticket in Gregory's wallet, which prompted an investigation to rule out foul play. </span><span></span></p> <p><span>Their investigation showed no such motives or evidence, as Caseville Police Chief Kyle Romzek said, "We are thinking that he was tying up his boat, slipped and fell, hit his head and that’s where he ended up in the water."</span></p> <p><span>The winning lottery ticket has now been handed over to Gregory's relatives. </span></p> <p><em>Image credits: Facebook / Shutterstock</em></p>

Money & Banking

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Majority of people return lost wallets: The most honest countries

<p>Honesty is one of the traits we value most in others. We often assume it is a rather rare quality, making it important for us to find out who we can actually trust in this selfish world. But according to new research, there’s no need to be so cynical – it turns out most people in the world are honourable enough to return a lost wallet, especially if it contains a lot of cash.</p> <p>The study, <a href="https://science.sciencemag.org/lookup/doi/10.1126/science.aau8712">published in <em>Science</em></a>, looked at how often people in 40 different countries decided to return a lost wallet to the owner, after the researchers handed it in to the institution in which they said it had been found. Surprisingly, in 38 countries, the wallets with higher sums of money were returned more often than those with smaller amounts. This was the opposite of what the researchers had expected, they thought there would be a minimum dollar value at which participants would begin to keep the money.</p> <p>Overall, 51% of those who were handed a wallet with smaller amounts of money reported it, compared with 72% for a larger sum. The most honest countries were Switzerland, Norway and the Netherlands whereas the least honest were Peru, Morocco and China.</p> <p>So why is this and what does it tell us about the psychology of honesty? To get an idea, I ran a very informal focus group to find out what kinds of things people may ask themselves when making a decision to return a found wallet. A common view was that no one wanted to appear to act in a socially unacceptable way, and nobody wanted to appear to be a thief. And, of course, the more money in the wallet, the greater the crime.</p> <p>An important aspect of the new study, however, was that the wallets were handed in to people working in the institutions in which they were said to be found. Given that people in one institution may know each other and may start suspecting each other, there was a very real chance of being found out if the wallet was not handed in. This is perhaps different from finding a wallet yourself on public transport when all you may grapple with is your own conscience.</p> <p>The “found wallet” test has been used in research before but this is the first global study to use it and it involved more than 17,000 lost wallets. In 2009, a researcher <a href="https://www.youtube.com/watch?time_continue=26&amp;v=33SwGGm9eQc">carelessly “dropped”</a> a number of wallets all over Edinburgh to see what would happen. He got 42% of the wallets back, but wasn’t not the most interesting finding. It wasn’t only the money in the wallet that influenced whether it would be returned. Where a family photo, an image of a cute puppy, a baby or an elderly couple were included, the chances of the wallet being returned significantly improved.</p> <p><strong>Impressive advantages</strong></p> <p>We value honesty and other moral traits <a href="https://www.researchgate.net/publication/258920778_Moral_Character_Predominates_in_Person_Perception_and_Evaluation">higher than non-moral qualities</a>, including intelligence or humour. As honesty has become one of the cornerstones of society, we start eduacting fellow citizens about it from an early age, even in nurseries. Developmentally, we make decisions early on about morality and moral behaviour, such as whether to share a toy. In 1958, psychologist <a href="https://en.wikipedia.org/wiki/Lawrence_Kohlberg">Lawrence Kohlberg</a> developed an entire theory about the <a href="https://www.britannica.com/science/Lawrence-Kohlbergs-stages-of-moral-development">stages of moral development</a>.</p> <p>But doing the “right” thing is often very hard in reality. Recent research shows there is a trade off – acting honestly can <a href="https://scholarship.richmond.edu/jepson-faculty-publications/89/">significantly inhibit</a> your own desires. Luckily, there are important advantages. One study suggests that <a href="https://psychology.nd.edu/faculty/anita-e-kelly/">there are tangible health benefits</a> from being honest. In one study, researchers compared groups of people who were instructed to be either honest or dishonest, and found that the honest group reported fewer sore throats, headaches and general feelings of sickness during the duration of the experiment.</p> <p>Being honest <a href="https://www.nytimes.com/2017/09/19/well/mind/how-honesty-could-make-you-happier.html">may also make people happier</a>. This might be unsurprising when you consider a view in evolutionary psychology that honesty <a href="https://www.frontiersin.org/articles/10.3389/fpsyg.2016.01503/full">is a marker that encourages trust and cooperation</a>. So being honest gets you more collaborators and greater success, meaning it provides an evolutionary advantage. If we have evolved in this way, then it is hardly surprising that making a dishonest decision may go against our very nature.</p> <p><strong>The honest individual</strong></p> <p>Given how socially important honesty is, we often struggle to deal with being dishonest ourselves – it can fundamentally threaten our view of who we are. Indeed <a href="http://danariely.com/">behavioural economist Dan Ariely</a> has shown that we often <a href="http://danariely.com/books/the-honest-truth-about-dishonesty/">convince ourselves that we are honest</a> even though we may behave dishonestly, as long as those moral lapses are not huge.</p> <p>The memories of such failures can also become less vivid or even distorted over time. For example, we may attribute reasons for our behaviour that aren’t entirely accurate (“I only kept the found wallet so I could give half of the money to a beggar”) but better support our views of ourselves. Essentially <a href="https://theconversation.com/why-we-are-all-moral-hypocrites-and-what-we-can-do-about-it-66784">we are all moral hypocrites</a>.</p> <p>But which people are the most honest? We may be tempted to think it is those who are most trusted in our society. In the past, those in the UK who needed a passport application signed could choose from individuals from a number of trusted professions including <a href="https://www.nature.com/news/banking-culture-primes-people-to-cheat-1.16380">bankers</a>, priests, teachers, police officers and members of parliament. You probably smiled when you read that list – we’ve all heard of dishonest politicians, for example. Clearly, honesty is not universal in any profession, or among any one category of people.</p> <p>We are all human, and as such open to the same psychological pressures and difficult choices when faced with temptation – we arrive at our own threshold of honesty, and these thresholds can change over a lifetime. There is evidence that, as we age, <a href="https://journals.sagepub.com/doi/abs/10.1177/0146167215594189">we get more honest</a> as a result of becoming more norm focused – breaking the rules or seeking excitement becomes less common.</p> <p>But is honesty the best policy? Probably. That said, we will all agree that a “little white lie” here and there may be the best option sometimes. For example, choosing dishonesty over hurting someone’s feelings could in many cases be compassionate and socially acceptable.</p> <p>Knowing when to lie and understanding the consequences of it is the trick. Easing someone’s distress, or protecting ourselves from harm may certainly be acceptable – and we learn this too from an early age. I’ve concluded, for example, that telling a publisher that you’ve been working non-stop on an article as you rapidly approach deadline is a totally acceptable lie.<!-- 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/119118/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>Nigel Holt, Professor of Psychology, Aberystwyth University</span>. Republished with permission of </em><a rel="noopener" href="https://theconversation.com/majority-of-people-return-lost-wallets-heres-the-psychology-and-which-countries-are-the-most-honest-119118" target="_blank"><em>The Conversation</em></a><em>. </em></p>

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Honesty is the best policy? Research reveals when people are most likely to return a lost wallet

<p><span style="font-weight: 400;">According to classic economic theory, if you find a wallet on the street and find money in the wallet, your self interest in keeping the cash is likely to override the more honest behaviour of returning the wallet.</span></p> <p><span style="font-weight: 400;">However, new research in 40 countries has found that people are more honest than they think, at least when it comes to returning money to strangers.</span></p> <p><span style="font-weight: 400;">A study of 17,000 “lost” wallets in 355 cities revealed that people are more likely to return a wallet if it had money in it than when it was empty.</span></p> <p><span style="font-weight: 400;">The study also found that if there was more money in the wallet, the more likely people were to return the wallet.</span></p> <p><span style="font-weight: 400;">The study was published in the journal </span><a href="https://science.sciencemag.org/lookup/doi/10.1126/science.aau8712"><span style="font-weight: 400;">Science</span></a> <span style="font-weight: 400;">said that a team of people handed in wallets that they claimed to find on the street in front of major institutions, such as banks or post offices.</span></p> <p><span style="font-weight: 400;">The wallets contained no money, or the equivalent of US$13.45 in local currency, a grocery list and three identical business cards in the local language which made it possible to return the wallet.</span></p> <p><span style="font-weight: 400;">In 38 out of 40 countries, people were more likely to return the money if it has money in it.</span></p> <p><span style="font-weight: 400;">"This is something we didn't expect," said behavioural economist Alain Cohn of the University of Michigan to the </span><a href="https://www.abc.net.au/news/science/2019-06-21/people-are-more-likely-to-return-a-wallet-if-it-has-money-in-it/11227766"><span style="font-weight: 400;">ABC.</span></a></p> <p><span style="font-weight: 400;">Dr Cohn said that there were two factors to explain the findings.</span></p> <p><span style="font-weight: 400;">"One is altruism — where you care about the other person even though they are a stranger."</span></p> <p><span style="font-weight: 400;">The second finding is that people didn’t like to view themselves as dishonest.</span></p> <p><span style="font-weight: 400;">"They said the more money in the wallet, the more they would feel like a thief if they didn't return it," he said.</span></p> <p><span style="font-weight: 400;">"The larger the amount of money, the more worried you are about your self-image — the more difficult it is to convince yourself that you're still a good person."</span></p>

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7 things you should do ASAP if your wallet is lost or stolen

<p>Some of the steps you need to take once you realise your wallet has been lost or stolen include:</p> <p><strong>1. Call the police</strong></p> <p>If you suspect your wallet was stolen, call the cops. Even though the police might not be able to track down your wallet, putting in a report will cover you in other ways. If a thief does try committing identity fraud, you’ll have to prove that you aren’t responsible for the costs. “Someone is going to lose here, and it’s either the credit card company, the bank or you,” says Robert Siciliano, CEO of IDTheftSecurity.com. “If you say you’re a victim, you need to prove it.” That police report could be the proof you need to show you’re telling the truth about false charges.</p> <p><strong>2. Close your debit and credit cards</strong></p> <p>Any lost credit or debit accounts should be closed as soon as possible. Start with debit, which can be even more devastating than having a credit card stolen. “The money is coming right out of your bank account, whereas credit is a credit card company’s money,” Siciliano says.</p> <p><strong>3. Keep an eye on your accounts</strong></p> <p>Thieves can’t buy with a card once you’ve closed the account, but that doesn’t mean you should be lax about double-checking your spending – a routine you should make habit even if you don’t think you’ve been a victim of fraud. “Closely monitor before and after you lose your wallet,” Siciliano says. Depending on what your bank or credit card offers, you could get an email, text message or app notification alerting you of account activity. If not – or in addition, just to be safe – go through your statements regularly to make sure everything is accurate, he says. Some thieves sell cards based on area code, meaning the credit card company will think charges seem normal and won’t issue a warning, though you’ll recognise the extra costs, Levin says.</p> <p><strong>4. Change automatic payments</strong></p> <p>Once you close your cards and receive a new account number, update any bills you paid automatically with your old cards. “Make sure you don’t miss payments or get any surcharges,” Siciliano says. Keep a list of your automatic payments and what cards you use for them so you don’t forget, he recommends.</p> <p><strong>5. Call your local transport authority</strong></p> <p>With information about your home address, full name and birth date, a driver’s license can make it easier for a thief to steal your identity. “A driver’s license can be a very important piece of information in the authentication process,” says Adam Levin, chairman and founder of identity protection service IDT911 and author of Swiped: How to Protect Yourself in a World Full of Scammers, Phishers, and Identity Thieves. Call your nearest department of motor vehicles for a new license, and have them flag your old card for suspicious activity, he adds.</p> <p><strong>6.Ask for help</strong></p> <p>Institutions you already have a relationship with, such as insurance agencies, financial services and even the HR department at work, can take on some of the burden when you’re dealing with identity theft. “This is really the hidden benefit people don’t realise they have,” Levin says. “They’re more than happy to make it easy to contact them if you have a problem.” They can do the work for you or with you, which could be a comfort when you’re overwhelmed with stressful calls.</p> <p><strong>7. Be prepared for the worst</strong></p> <p>Being proactive will make the loss less shattering if you do lose your wallet. First of all, take out any cards you don’t use every day, like store cards or medical cards. Leave a backup credit card at home so that if you do need to close your accounts after a theft, you won’t be stuck using cash until your new cards come, Levin says. Now take a copy of all the cards and documents in your wallet and put them in a safe at home, or save them to your computer or cloud, Siciliano says. You’ll have every phone and account number on hand to report missing cards, which will keep you from forgetting to close any. You could also create a spreadsheet with the same information, he says. “It hurts a lot less when you can see the physical copy of those cards and don’t have to remember what you had in your wallet,” Siciliano says.</p> <p><em>Written by Marissa Laliberte. </em><em>This article first appeared in <a href="http://www.readersdigest.com.au/money/7-things-you-should-do-asap-if-your-wallet-lost-or-stolen">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=WRN87V">here’s our best subscription offer.</a></em></p> <p><img style="width: 100px !important; height: 100px !important;" src="https://oversixtydev.blob.core.windows.net/media/7820640/1.png" alt="" data-udi="umb://media/f30947086c8e47b89cb076eb5bb9b3e2" /></p>

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Where to eat in Sydney – without emptying your wallet

<p>Sydney is as big a tourist drawcard as Paris and San Francisco. And like those other cities it’s easy to seek a meal near the city’s highlights only to find every other diner is a visitor to the city, too. So where do the locals go?</p> <p>This is not a matter merely of price. Some of the most expensive restaurants in Sydney are good value for money and some of the cheapest are just that for a reason.</p> <p>There are also some restaurants, bars and gelataria that are “flavour of the month/day/week/hour” where the queues never end – certainly not to dine when you want to eat. Here, the WYZA team have asked foodie friends and come up with a range of restaurants in places visitors are likely to go – or should visit.</p> <p>If you are serious about Sydney as a food destination (and that’s reasonable as a travel quest) the best place to start is the Fairfax 2017 Good Food Guide. It has been extended to include bars, cheap eats and cafes. And you’ll probably already have your own favourite foodie website such as Sydney-based Lorraine Elliott’s Not Quite Nigella.</p> <p>The first recommendation from locals was a surprise but it shouldn’t have been. If you are up around the Australian Museum or Hyde Park, consider heading to Sydney institution Beppi’s. Although Beppi Polese is no longer with us, his family-run trattoria in Darlinghurst maintains his standards – as it has since he opened it in 1956. It’s the only restaurant that appeared in both the first and 30th edition of the Good Food Guide. It’s not cheap, but it reflects Sydney’s historical and contemporary Italian dining heritage.</p> <p>At the other end of the timeline, it’s worth wandering past Central Railway down Broadway towards the World Square development then turn left into Kensington Street and the newly opened Spice Alley. Suddenly you feel like you’re in the back streets of Singapore with a wide range of Asia foods available very cheaply from the tiny vendor windows. You might have to battle for a seat but you won’t be waiting long for a very fresh meal.</p> <p>The Royal Botanical Gardens are not only the oldest scientific institution in Australia, but they may be the most beautiful, and the setting on the waterfront of Sydney Harbour is hard to beat. On a sunny day, a walk through the gardens for lunch at the indoor/outdoor Botanic Gardens Restaurant is a great Sydney experience. The food is seriously good (although not cheap) and the surrounds are superb.</p> <p>In Sydney to board a cruise ship? If the ship is too large to fit under the bridge (and most are) you’ll be at the Overseas Passenger Terminal at Circular Quay. You’ll also be next door to Sydney’s best restaurant: Peter Gilmore’s Quay. The chef is a genius and you’ll have to reserve well in advance unless you’re lucky enough to score a cancellation. The restaurant also has unsurpassed views of the Opera House but you may never discover this as your ship is likely to block them out.</p> <p>On the other hand, you may be departing from the new White Bay Terminal across the water in Balmain. If you feel like taking a walk into the suburb from the ship you won’t have far to go to reach Rosso Pomodoro, which serves some of Sydney’s best pizza.</p> <p>If you are visiting the Harbour City, there’s a good chance that you’ll end up at Bondi Beach at some time. The iconic Sydney landmark has a lot of food options but one that’s recommended by several locals is the vast China Diner that has offerings from across Asia, not just its namesake.</p> <p>Joining the commuters for the obligatory trip on the ferry to Manly? Make sure you walk down the Corso to the surf at the ocean beach. Try Chica Bonita a self-described hole-in-the-wall on the Corso for an affordable meal. Burritos, soft tacos and margaritas are the order of the day.</p> <p>The once working-class terraces of Paddington have been gentrified to the max so you’ll now find galleries and designer fashion aplenty in the area. Highly recommended at Five Ways is Mr T Vietnamese an offshoot of the Waterloo Restaurant of the same name.</p> <p>Kings Cross is more mellow than its raunchy past but it’s still a drawcard for both locals and travellers. If you want to watch the remarkable passing parade, head to the perennial Tropicana Caffe on Victoria St where the day begins with a healthy recovery breakfast (served from 5am) with good coffee and juice.</p> <p>Chinatown has so many food options that you can be numbed into indecision. My recommendation is BBQ King – and ignore your Sydney friends who say it’s closed. Yes, in 2015 the Chau family did close the restaurant that had adorned Goulburn St with formica tables and great Peking duck dishes since 1983. But it rose again (can a duck rise like a phoenix?) in 2016 around the corner at 76-78 Liverpool St. The duck and suckling pig are as good as ever.</p> <p>If you’re in the middle of the city when you need to eat, venture into Indu, a very attractive Indian basement restaurant at 350 George St, if you can find it. The virtually unmarked entrance is off Angel Place. It’s not as expensive as the décor would suggest and the creative menu is inspired and good value.</p> <p>Over at The Star you’ll find David Chang’s two-hatted Momofuku Seiōbo where the New York chef reveals how good Asian fusion can be. Before you leave you need to venture down to Adriano Zumbo at The Star for takeaway to challenge your tastebuds with his remarkable macarons. If you don’t make it to The Star you’ll find he has a store in the Queen Victoria Building (and another in Balmain), too.</p> <p>Who knows when you’ll next be in Sydney so why not splurge for the ultimate Sydney dining experience? You don’t have to move far from Circular Quay. Quay’s Peter Gilmore is also the chef for Bennelong Restaurant in the Opera House. It’s an iconic venue matched by wonderful food. Not far away, Matt Moran’s newly refurbished Aria Restaurant presents elegant Australian cuisine overlooking the harbour.</p> <p>Finally, what about a meal with a bird’s eye view of Sydney? When I really want to show visitors what’s special about my city I take them to the Shangri-la Hotel’s Altitude Restaurant. The trick is to arrive early enough for a drink in the adjoining Blu Bar before moving on to your table. From 36 floors above The Rocks – and with floor-to-ceiling windows - the views of the bridge, the Opera House and the harbour are sublime. The food is very good with service to match so it all combines into a great dining experience in the Emerald City.</p> <p>Have you got a special place to eat in Sydney? Share your recommendations here.</p> <p><em>Written by David McGonigal. Republished with permission of <a href="https://www.wyza.com.au/articles/travel/where-to-eat-in-sydney-%E2%80%93-without-emptying-your-wallet.aspx">Wyza.com.au</a>.</em></p>

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