State of the NationSunday, March 19, 2017

Need anational newssnapshot first thing – well, we have you covered.
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► PORT MACQUARIE:Up to 179 millimetres of rain has been recorded during the 24 hours to 7pm Saturday over the Hastings River valley.

Flooding at Bellingen on NSW’s Mid North Coast.

► ILLAWARRA:An 18-year-old boyboy, an expectant mother, disability pensioners and aNovotel chef wereamong a dozen peoplearrested in sweeping drug raids across the Illawarra on Tuesday. Read more

►WAGGA WAGGA:The mother of a two-year-old boyrushed to hospital in a critical condition after Wednesday’s sickening alleged hit and runhas told of her“gut-wrenchingagony”. Read more

►SOUTH PAMBULA:A house fire at South Pambula on Friday night was caught on camera by a witness, showing the intensity of the flames and the huge plume of smoke. Read more

► NEWCASTLE:A Shortfall of placements in hospitals has forced University of Newcastle nursing students to rely on prison clinics, call centres and distant destinations such as Broken Hill to clock up their training hours. Read more

►SOUTH PURRUMBETE:Catherine Jenkins of South Purrumbete near Cobden is among the finalists for the 2017 Victorian Rural Women’s Award.Mrs Jenkinshas been nominated as a finalist for her plan to investigate the feasibility of a national network for women working in the dairy industry. Read more

►MANDURAH:Mandurah’s Crab Fest is much more than just food stalls, cooking demonstrations by celebrity chefs and music performances. Read more

► PORT STEPHENS: Port Stephens’ blue water wonderland isn’t just popular with the tens of thousands of tourists who visit each summer. New research shows the estuary is inhabited with far more great white sharks than previously thought. Read more

Splash: A hooked juvenile white shark breaching while being led away from the surf zone for tagging off Bennetts Beach. Picture: CSIRO

National news►A 92-year-old war veteran and great-grandfather who has lived in for 10 years is facing deportation back to Britain after being denied a visa and told he would be a financial burden on the health system.Read more

►Food companies are being accused of confusing customers by using the ratings only on their healthiest products, creating a halo effect on the rest of the range. Read more

►The Organisation for Economic Co-operation and Development has castigated for inadequate progress on tax, Indigenous affairs and support for business in a report card to be presented to finance ministers from the group of 20 leading industrial nations in Germany on Saturday. Read more

National weather radarWhat’s coming your way …

International news►PARIS: The man shot dead at Orly airport was the same individual who had shot at security services earlier in the morning in northern Paris and was “a radicalised Muslim” known to authorities, French police sources said.Read more.

►BEIJING:US Secretary of State Rex Tillerson has appeared with Chinese Foreign Minister Wang Yi to say the two countries share the view that tensions on the Korean Peninsula have reached “a rather dangerous level”. Read more

On this day1279–Emperor Bing, thelast emperor of the Song dynasty, died during theBattle of Yamen, bringing the dynasty to an end after three centuries.

1911–SocialistGerman politicianClara Zetkin established the firstInternational Women’s Day.

1915–Plutowas photographed for the first time, 15 years before it was officially discovered byClyde Tombaughat theLowell Observatory.

1962– Highly influential American musicianBob Dylanreleased hiseponymous debut album.

2011–Libyan Civil War: TheFrench Air ForcelaunchedOpération Harmattan, beginningforeign military interventionin Libya.

The faces of : Mar Gattek ON THE JOB: Emmanuel College’s David Gladman, apprentice Mar Gattek, 17, and Southern Victorian Plumbing’s Darren Smith at Mar’s workplace. Picture: Morgan Hancock

When Marwas 12, a plumber came to his house and he was intrigued by what he was doing.

“I started watching him working, fixing the taps, and I thought I wanted to try it and see what it was like,” he said.

A few years later, while at Emmanuel College, Vocational Education Training in Schools co-ordinator David Gladman told Mar about the Victorian Certificate of Applied Learning, where he would be able to study plumbing one day a week at South West TAFE, while still at school.

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Why a clucky Kyle Sandilands will have to wait for a baby

When it comes to Kyle Sandilands, no topic is ever off-limits, even his plans to have a baby with his girlfriend of six years, Imogen Anthony.
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“I’m going to give Imogen a baby soon,” he said on-air two weeks ago. And, last month, during a discussion with his KIIS 1065 radio co-host Jackie “O” Henderson about his relaxed approach to birth control, he added: “I don’t care, if a baby comes it comes.”

Earlier this year, a sometimes gruff Sandilands showed off his more sensitive side when he opened up about his anguish at not being able to give his late father, Peter, grandchildren.

“I was thinking in the shower this morning … I was regretting not being able to give him a grandchild,” Sandilands said.

But while the shock jock, 45, is feeling clucky, the model and social media influencer, 26, has other ideas.

“He’s got to let me ripen a little bit more. I’m still in my prime,” she laughed, when speaking to Fairfax Media.

“Give me a couple of more years. I’m only 26, you know?

“We’ve been together for a long time, so it is due. But we are just taking our time. We are not really into rushing things. We’re chilled.”

When it comes to marriage for the pair, who live together on a seven acre farm in Ingleside in Northern Sydney, Anthony has the same laid-back attitude.

“Babe, when it happens, it’ll happen. We talk about it, absolutely but we are just waiting. We don’t need all of the titles,” she said.

Asked if she has the rock already picked out just in case he gets on bended knee, she laughed, “we talk, he suggests, and that’s about it”. Kyle nurses @KylyClarke’s youngest Kelsey Lee #CUTE #KJshow #KIIS1065A post shared by Kyle and Jackie O (@kyleandjackieo) on Apr 5, 2016 at 4:10pm PDT

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STD tests, critique a stranger: The Bachelor’s casting process

Excitement is building over season five of The Bachelor with Matty Johnson landing the starring role after he was left heartbroken by Georgia Love last year, but how are his potential suitors chosen?
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To become one of 22 women battling it out on national television for the affection of a man you have never met before, there are a few hoops producers will have you jump through first.

During a casting call for last season’s show with Richie Strahan, bachelorettes on their quest for true love took part in certain games, such as standing in a circle and critiquing each other; debating contentious topics, such as religion; and battling it out for a rose left in the centre of a room.

Those who made it through to the reality show then have to undertake a mandatory medical test, including one for sexually transmitted diseases. A spokesperson for the producers, Warner Bros, described the checks to Fairfax Media as a “duty of care”.

Last year’s “villain” Keira Maguire, 30, who was such a hit for Network Ten that she was asked back to star on this year’s I’m a Celebrity ??? Get Me Out of Here, also told Fairfax Media about the “shoe game”.

“We all had to take our shoes off and you had to guess whose shoes belonged to who and you had to describe their personality when you picked up the shoes,” Maguire explained.

She denied that it sounded a bit Mean Girls, explaining: “At the end of the day it is up to you what you do and say.”

However, Maguire was “mortified” about some parts of the casting process, particularly the chase for the single red rose.

“I stood back and was like, ‘what the hell? This is absolutely ridiculous.’ I literally wasn’t participating,” she laughed.

It was that non-compliance that she says landed her a spot in the final line-up.

“I just stood there with a look across my face as the other women ran to the rose ??? The producers have positions marked out and they thought, ‘We got our villain,'” Maguire laughed.

But she was surprised by some who were turned away.

“You are looking at all of these beautiful girls coming through and you think, ‘they will have to make it,’ and they don’t get through. It’s more about personality and what you will be like on TV,” she said.

Thousands of applications are submitted each year and its the producers’ job to ensure they have the right mixture of romance as well as entertainment Warner Bros explained the techniques used helped highlight someone’s character.

“Casting for The Bachelor aims to see how people express themselves and if they have the ability to describe how they feel, something that is instrumental to finding love with the Bachelor,” a spokesperson added to Fairfax Media.

“Auditions are voluntary and participants are encouraged to speak up if they are interested in the reasoning behind an activity.”

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US and China agree tensions on Korean Peninsula are at a ‘rather dangerous level’

Beijing: US Secretary of State Rex Tillerson has appeared with Chinese Foreign Minister Wang Yi to say the two countries share the view that tensions on the Korean Peninsula have reached “a rather dangerous level”.
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Speaking to the media after a meeting in Beijing on Saturday, Mr Tillerson said the US and China would work together to bring North Korea to “make a course correction and move away from the development of nuclear weapons”.

“We share a common view and a sense that tensions on the peninsula are quite high right now and that things have reached a rather dangerous level, and we’ve committed ourselves to doing everything we can to prevent any type of conflict from breaking out,” Mr Tillerson said.

Mr Wang agreed, but also had some advice for his American counterpart.

“No matter what happens, we have to stay committed to diplomatic means as a way to seek peaceful settlement,” he said.

“We hope all parties, including our friends from the United States, could size up the situation in a cool-headed and comprehensive fashion, and arrive at a wise decision.”

Mr Tillerson and Mr Wang both tried to strike a positive tone, repeating the mantra that US-China relations were founded on the principles of avoiding conflict and confrontation, and promoting mutual respect and “win-win cooperation.”

That’s a far cry from the sort of language US President Donald Trump employed on the campaign trail.

Mr Wang called their talks “candid, pragmatic and productive,” while Mr Tillerson talked about a “constructive and results-oriented relationship.”

The Secretary of State also talked of a trading relationship that is “fair and pays dividends both ways,” made a glancing reference to their maritime disputes and said his country would continue to “advocate for universal human rights and religious freedom.”

The two men also said they were working toward a face-to-face meeting between Mr Trump and China’s President Xi Jinping to build on a cordial telephone conversation between the pair in February.

“We do look forward to this future opportunity for the two leaders to meet,” Mr Tillerson said at the beginning of a meeting with State Councillor Yang Jiechi, who outranks Mr Wang as China’s top diplomat.

“The better they know one another the stronger will be our bilateral relations as well, because they can provide direction and guidance to both of our governments on how we can work more closely together to strengthen this very important relationship,” Mr Tillerson said.

The comments from Mr Tillerson were more moderate than his warning a day earlier in South Korea that “all options are on the table” to deal with North Korea, and that the US would take military action if needed.

Mr Wang had last week likened the US and North Korea to two accelerating trains heading for a collision with neither willing to give way. Mr Tillerson meets China’s President Xi Jinping on Sunday.

China has said a return to negotiations with North Korea could occur if the US and South Korea agreed to abandon military drills in the region, and North Korea agreed to halt its rogue missile development.

But the proposal had been swiftly rejected by the White House, which is said to be considering secondary sanctions against Chinese companies that trade with North Korea.

US President Donald Trump tweeted before Mr Tillerson’s arrival in Asia that China did nothing to help to stop North Korea. North Korea is behaving very badly. They have been “playing” the United States for years. China has done little to help!??? Donald J. Trump (@realDonaldTrump) 17 March 2017

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Pay now and consume later for happier spending

Spending money can be as painful as stubbing your big toe. Studies have found facing a pricey purchase can activate parts of our brain associated with anticipating real, stub-your-toe-style pain.
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Behavioural economists coined the term “the pain of paying” to describe this experience and according to Elizabeth Dunn and Michael Norton, authors of Happy Money, if we can separate the pain of paying from consumption, we’ll enhance the pleasure of the purchase and reap more happiness for every dollar we spend.

Let’s look at how these two approaches of separating payment and consumption rate on the happiness scale. Pay now, consume later

“The pleasure of consumption is purest without the experience of paying for it,” say Dunn and Norton.

Nothing tastes better than free, and an all-inclusive resort holiday may be the ultimate pay now and consume later experience. You’ll pony up for the cost of the trip in advance but the pain of paying will be a distant memory when you hit the buffet, cocktail hour and kids activities without ever reaching for your wallet. Sure we paid for it, but it was so long ago, now it just feels free.

Paying now and consuming later is also an opportunity to capitalise on the excitement we feel when anticipating having an experience or using a product.

Joy increases as the days tick down to that month-long break in France or arrival of a pre-ordered iTunes album. Particularly in the case of holidays, there’s plenty of time to seek out details that promote exciting expectations about the experience itself, like reading every Lonely Planet article written about wine and cheese tours in France.

If the consumption part of the equation will be over quite quickly, the delay provides an opportunity to draw out pleasure beyond the experience itself. Anticipation is a sure way to squeeze out twice the happiness bang for your buck.

Paying in advance can also be a savvy way to manage personal finances, with early-bird discounts and pre-payment bonuses. Pay later, consume now

As a nation, collectively racks up an average $27,053,329,781 spend per month on credit cards. The plastic empire has been built on the idea that consumers are highly motivated by the power of now. We want the fun stuff immediately and to deal with the not so fun part of paying, later. Credit offers a temporary anaesthesia for the pain of paying now.

But by reversing the steps and taking the experience now and paying later, ultimately the pleasure of the experience can be outweighed by a credit card bill looming at the end of the month. According to Nobel prize winner and founder of behavioral economics Daniel Kahneman, it’s the bill that will stick in your mind and taint the whole experience.

Kahneman’s “peak-end” rule means when we recall an experience, our primary feeling about it overall is largely determined by the either high or low point of the experience, at the end.

Using examples from holidays to colonoscopies, Kahneman’s TED Talk The Riddle Of Experience Vs Memory reveals how our “experiencing selves” and our “remembering selves” perceive happiness differently.

So the memory of the three rounds of mojitos is a lot less sweet when you wake up the next morning with a fuzzy head and check your credit card statement.

The detachment of using credit to consume now and pay later also leaves the mojito sipper disillusion about how much money has actually been spent ??? maybe those three rounds were actually five? Underestimating expenditure and habitually consuming now and paying later with credit is a slippery slope to financial over-commitment.

Pressing pause and waiting to consume is not harsh self-denial, it’s good for your wellbeing. When we make the decision to delay our consumption, we become better stewards of our own happiness. It can be difficult to overcome the power of now, but by planning for future consumption we can reap the benefits of delayed gratification, greater control of our finances and squeeze more happiness from our spending habits.

Catherine Robson is an award-winning financial planner with Affinity Private. Twitter:@CatherineAtAff.

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Cummins quickens Chinan hearts

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If not a red letter day for , it was at least a red leather day.

Pat Cummins on his return to Test cricket took four wickets, and is not done yet. Three were with well-aimed feather-ruffling short-pitched balls. Who does that in India? Not Curtly Ambrose, for instance; he didn’t even bother to go there. Cummins is the rare sort of cricketer who immediately changes the mood of a match when he becomes involved.

Meantime in Brisbane, James Pattinson took 5/7 to destroy Queensland. Selectors might even have preferred Pattinson to Cummins to proxy for Mitch Starc in India, except that he asked to be allowed to get some bowling under his belt for Victoria. In four matches, he has taken 20 wickets at 16. Suddenly, next summer’s Ashes can’t come too soon.

Cummins’s prize wicket was Virat Kohli, who was expertly taken at second slip by n captain Steve Smith. The story was in the shot, an assertive, alpha male drive, the sort of shot Smith played only once in his eight-hour opus and Cheteshwar Pujara played only once in his seven-hour and still incomplete reply, but Kohli tried to play after just a few minutes at the crease.

Put this down to the victory of sticks and stones over words. All the temper in this series has catalysed around Kohli, and might have again on Saturday when he made a show of walking onto the balcony to applaud after Smith had exhausted ‘s ration of DRS referrals. It was gamesmanship, but it had to be backed up with game. Kohli couldn’t.

The fact is that Smith in India is batting like an Indian – it is a rare batsmen indeed who can habituate himself in this way – but Kohli is batting like an n, which works best in . The fact is that Smith is winning the mind games.

That was the battle. The war is another thing. If the third quarter in AFL is the premiership quarter, and the third day in golf is moving day, the third day of the third Test might have become the axis of this absorbing series, and yet still it is impossible to say who has the advantage. Parity is itself to ‘s immense credit, since they were unfancied to begin and since have lost two players, including the spearhead of their attack. They have been the most intrepid tourists.

The pitch is holding up, but if and when it goes, it will be tough going for ‘s phalanx of left-handers. In what other game than cricket do incidentals count so crucially? The seamers in this match are all right-armers, and India’s principal batsmen are all right-handers, which means the developing rough is less likely to inconvenience them. But let us not catastrophise yet.

Saturday was as much about what each team was able to deny the other as gain for itself, classic Test match business. India denied more than five wickets, which leaves it with a few to to work with on Sunday. But starved India of runs, keeping them to just 240 for the day. Though the figures do not reflect it, this was an all-of-team effort. dislikes to play with only four frontline bowlers, but they were so resolute and unflagging this day that Smith was able to deploy Cummins in short, penetrating bursts. Josh Hazlewood and the spinners created perceived pressure, Cummins real.

The one defence they could not breach they Pujura’s. He was Tweedlee to Smith’s Tweedledum, Yang to Smith’s Yin. By sessions, he made 30, 69 and in the last, when India needed a man to hold the bridge, merely 21. He was as stoic as the Gandhi impersonator in the crowd who neither twitched nor blinked as the television camera trained on him for many minutes. He was as stoic as Smith.

His discipline reminded me of a cricket photographer I once knew, a heavy drinker in a time of commonplace on-the-job drinking, who would not allow himself even a glass of water when on duty in case it meant a trip to the loo and a moment missed. On Sunday morning as on Saturday morning, Pujara’s wicket stands between and a lead.

‘s thoroughgoing preparation for this series is paying off. This day began ominously, when Murali Vijay blasted Steve O’Keefe for six as effortlessly as if hitting off a tee. But the ns did not fall back, and there would be no further boundary for an hour-and-a-half. allowed India only one burst of scoring for the day, predictably when taking the new ball, but it was off-set by the wickets of Kohli and Ajinkya Rahane. This all-round escalation is cricket business as usual.

In the last session, when the ns might have sagged, they rallied, keeping India to 57 and taking two more wickets. At stumps, half a dozen made to shake Pujara’s hand. As promised the match, hostilities were channelled strictly and exclusively into the cricket now, and it is far from over yet.

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Smartphones set to dominate digital payments

If cash is king, there’s a revolution in the land.
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Plastic started to dislodge cash from its throne, now smartphones and online payments are set to finish the job.

Reserve Bank figures show ATM withdrawals peaked at in 2009-10 and have been on the slide ever since.

And more than three out of four face-to-face payments are now estimated to be tap and go, according to Leila Fourie, the chief executive of the n Payments Association.

Increasingly that means tapping a smartphone rather than a credit or debit card.

Cash is falling out of favour in other ways too.

The rise of the subscription economy is a big trend, where goods and services and paid by direct debit.

For example, a subscription to Netflix or Stan has supplanted the video store, gym memberships are on rolling monthly payments, while companies such Aussie Farmers Direct or Hello Fresh are providing different ways to shop for groceries.

Mike Ebstein, the founder of payments consultant MWE Consulting, estimates that recurring direct debit payments would be about 10 per cent of of the value of credit card payments.

Meanwhile, in-app payments such as in rideshare and taxi services Uber and GoCatch provide yet another way to do away with cash.

And pretty soon the Reserve Bank’s New Payments Platform will make electronic payments from bank account to bank account even faster and easier, meaning you’ll be able to pay online for that secondhand fridge at a garage sale on a Saturday.

But who benefits from the decrease in cash? Electronic payments are convenient for consumers, but is there a downside?

Mark McCrindle, a social researcher with his own consultancy, McCrindle Research, says the convenience can come at a cost as “out of sight is out of mind”.

“It is all around us, with tollway e-tags, for example, where there is a bip but most people are not aware of how much they are paying,” he says.

“There’s not that ‘point of pain’ of paying with cash that has a psychological impact of making us aware that we are now poorer having made that transaction.” Game of phones

The major drawcard for contactless payments is convenience, including the ability to use a credit or debit card for small amounts and the efficiency of the transaction.

With Visa payWave and MasterCard PayPass, consumers can ‘tap and go’ for everyday transactions, up to $100 a time, without the need to enter a PIN or sign a receipt.

Smartphones are the next frontier in contactless payments with the big tech companies coming out with apps that allow payments without even require opening the app or unlocking the device.

is one of the leading countries in the world for smartphone uptake, with more than four out of five people owning a device, according to Deloitte for its Mobile Consumer Survey in 2016. That’s up from up from three out of four in 2014. ???

Elizabeth Barry, 26 from Sydney’s Zetland, uses CommBank’s contactless app, which has replaced its earlier app, Kaching, for everyday transactions.

“I use my phone for pretty much all of my smaller payments like grocery shopping. I find it more convenient taking my phone out than taking a card out,” Barry says.

Barry has a Samsung phone and she can put a short-cut on the phone screen but she prefers to log-in to make sure that she is making the payment correctly.

“It’s all really easy – I don’t remember the last time I logged-on for internet banking,” she says.

A senior writer with comparison site Finder, Barry doesn’t shop too much online and when she does she prefers to use PayPal if it is available, because it’s easy and PayPal will refund her money if something goes wrong. Cash not dead

However, not everyone is a winner from the shift. It is having a detrimental effect on waiters’ tips and charities that solicit cash donations from passers-by on the streets.

According to a survey of 2000 people, commissioned by ME Bank, those who pay with a card or smartphone are less likely to pay tips to waiters or to donate to a charity in the street.

Nic Emery, the ME head of deposits and transactional banking, says the move to digital money also excludes people who do not have a bank account, which sometimes includes the poorest people.

Though use of cash is slowing, cash is not dead. In fact, it’s going to remain part of the n economy and the payment system for the foreseeable future, says the Reserve Bank in its December 2016 Quarter Bulletin.

The Reserve Bank’s Consumer Use Survey of 2013, the latest available, found that about one in 10 respondents said they make all of their in-person payments with cash.

And cash remains an important store of value.

About three out of four people told the survey they held cash in places other than their “wallets”. Following day-to-day transactions, the next most-cited reason for storing cash was to cover emergencies.

McCrindle says tapping a smartphone connected to a credit card tends to loosen people’s natural restraint.

He points out that the ratio of household debt to income is the highest it’s ever been, and the January crunch from Christmas spending is now happening year round.

“It’s going beyond the budget and living in a financial fog, tapping here there and everywhere, making it harder to manage money,” he says. Which app?

Tech experts predict digital “wallets” will soon be used not only in place of cash, but for paying for all sorts of things such as travel tickets and passes.

Tech companies are seeking to strike deals with as many banks, card providers, retail chains and big providers of services as possible.

Apple Pay app is probably the market leader, though it is the only app that works with the iPhone’s “near-field communications”, which communicates with payment terminals, says Alex Kidman, tech expert at Finder.

It allows payments on an iPhone, Apple Watch, iPad or Mac using Visa, MasterCard and American Express debit and credit cards.

ANZ has entered into a deal with Apple to use Apple Pay, as has several smaller banks and credit unions.

Android Pay is probably the next most popular. It can be used by any smartphone using the Android operating system – such as popular Samsung, HTC and Google models – and works with those financial institutions who support it.

Android Pay supports MasterCard, Visa and American Express credit and debit cards.

Android Pay can be used on an ever-growing number of stores, including 7-11, Coles, McDonald’s and some government agencies.

PayPal remains the middleman for online payments for many online retailers, including eBay. Security

Trying to remember passwords is becoming a frustration of the past as biometric scanning gains traction.

Technology that involves our own money is always something that’s likely to make us nervous, but the reality is that smartphones can be significantly more secure, Kidman says.

Most mobile payment systems will allow you to use a PIN if that’s your desire, but payment by smartphone-apps like Apple Pay, Android Pay and Samsung Pay offer an additional level of security, provided your device is protected with fingerprint scanning.

These use your fingerprint to pre-enrol onto the device as an additional layer of authentication. Kidman says even if your phone is lost or stolen, thieves can’t use it for contactless payments.

“Your fingerprint data is stored securely on the device itself, so there are no worries about your biometric data being stored or illicitly accessed online,” he says.

Smartphone payment systems work like PayPal in that the details of your card do not go to the retailer. Instead, a one-time token is generated for each purchase. Warning for travellers

Travellers have to be careful and remember to carry more cash and cards with old technology, because contactless payments are not as widely used overseas as they are .

“You may see a sign that indicates Apple Pay or Android Pay compatibility, but it’s not a guarantee that when it comes time to tap the transaction will go through,” Kidman says.

“It’s wise to always travel with a card that can handle contactless, chip and PIN, magnetic stripe and even signature verification,” Kidman says. That is particularly the case in the United States, where many smaller retailers still use signature verification.

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The optical illusion which prompted Laxman’s rant at Smith

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Ranchi: India Test great VVS Laxman has accused n captain Steve Smith for setting a poor example to his team by mocking Virat Kohli’s shoulder injury. The only problem, however, is Smith did nothing of the sort.

There was outrage on social media with Smith being slammed for poor sportsmanship after pictures emerged of him appearing to hold his shoulder while celebrating Kohli’s wicket.

It came on a day where Kohli rushed out of the dressing room to sarcastically applaud Smith’s team after they had burnt a second review.

The pair are feuding after Smith admitted he had broke the rules of the decision review system by consulting the dressing room during the second Test. It prompted Kohli to accuse of systematic DRS rorting, claims he has failed to substantiate.

The third Test hangs in the balance with India 6/360 at stumps on the third day, trailing by 91.

Criticism of Smith intensified after host broadcaster Star Sports aired a segment during the tea break where Laxman unloaded on Smith for “defying the spirit of the game”.

Laxman, who made his reputation for his heroics against , even referenced the death of former n opener Phillip Hughes to condemn Smith for not showing due respect to an injured opponent.

Glenn Maxwell, however, did make light of Kohli’s injury, holding his shoulder in jest after making a diving save on the boundary. Kohli had broken down on the first day in similar circumstances. It might be funny but its highly immature from Maxwell and Smith to make fun of Kohli’s injury #IndvAuspic.twitter苏州夜总会招聘/BcOss8oYCf??? Shubh AggarWall (@shubh_chintak) March 18, 2017All about Camera Angle. pic.twitter苏州夜总会招聘/68f1l0wBRo??? Manish (@Slysterr) March 18, 2017Hey, @jatinsapru.If Steve Smith wasn’t mocking Kohli, then explain this, please. pic.twitter苏州夜总会招聘/NZj1Lp80lP??? Divyang (@divyangasm) March 18, 2017

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Food companies criticised over use of health star ratings

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There’s a row of snack bars on the supermarket shelf. Half proudly display health star ratings of three or greater, while the rest are void of the feature.

Food companies are being accused of confusing customers by using the ratings only on their healthiest products, creating a halo effect on the rest of the range.

Muesli business Carman’s, for example, has only slapped the ratings on bars with ratings of three or more, but kept them off the rest, such as its coconut-flavoured Oat Slice, which scores 1.5 stars.

And beverage company Golden Circle has displayed the ratings on a handful of its “no sugar added” fruit juices, but not on others, such as cordials and nectars.

Jane Martin, executive manager of Obesity Policy Coalition (OPC), says companies are using the system selectively and as a promotional tool, and the need to make the ratings mandatory was urgent.

“If the star system isn’t being used comprehensively across all products it makes it harder for consumers to make healthier choices,” she says.

“The system’s been around for 2.5 years and companies know how it operates. Consumers are being kept in the dark.”

She had a particular issue with Kellogg’s LCM products, as some companies have blamed delays on the need to design and rollout new packaging.

While Kellogg’s LCM Oaty Bubble Bars show a rating of 3.5 stars, its Split Stix products, which score as low as 0.5 stars, lack the feature.

“Kellogg recently changed the packaging of its LCM Split Stix to include a free book promotion, and it didn’t use the opportunity to add health stars,” she says.

The system was launched by the federal government in June 2014 to help shoppers compare the nutritional value of food products.

A 2016 Heart Foundation study found that despite increased awareness of the system, fewer people believed it was credible and reliable.

The Health Star Ratings (HSR) Advisory Committee is in the midst of planning a formal five-year review, with a report expected to be delivered in June 2019.

Ms Martin says consumers should be wary of simply relying on the stars, and instead read the nutrition information panel.

OPC questioned why Mother Earth chose to show high ratings on its peanut butter range, but withhold the information on its snack bars.

It also cast the spotlight on juice brands such as Golden Circle and Just Juice, which it says only use the stars on healthier options.

“If the stars are not there, then customers can’t be guided by it when making a choice.”

A Kellogg’s spokesman explained the company had prioritised the launch of its new products, which carry star ratings, such as Special K Bliss Bites, Nutri-Grain Edge Bars and LCMs Oaty Bubble Bars.

“We’ve also made HSR information for all our snacks available on our website since last year,” he said.

A spokeswoman for Carman’s said it was prioritising the new Country of Origin labelling requirements, which, unlike health stars, are mandatory.

“We originally applied HSR in our breakfast range where it now applies to all products. We have commenced within our snacks range,” she says.

“Carman’s intends to roll out HSR across its entire range however a time-frame for this has not been put in place as the system is currently under review and changes to it may be made.”

However Ms Martin revealed that Carman’s told her in an earlier conversation that it wasn’t using the ratings because it didn’t agree with the algorithm.

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How we are holding ourselves back from affordable housing

Photo shows ( l-r) Member for Coogee Bruce Notley Smith with Mayor of Waverley, Cr Sally Betts and Member for Wentworth, the Hon Malcolm Turnbull at the the opening of the Mill Hill Early Education Centre located in Bondi Junction. MUST CREDIT : Bruce Notley-Smith Member for Coogee website Photo: Bruce Notley-Smith Member for Coogee websiteMillennials pushed out of suburbs by NIMBY baby boomers who oppose developmentDevelopers should be slugged to raise funds for affordable housing, report suggests???Affordable housing shortage in inner Sydney leaves workers sleeping rough
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Sydneysiders may be standing in their own way when it comes to creating a more affordable city, with community opposition slowing down the supply of much-needed affordable housing, experts say.

Often confused with social housing, affordable housing – which provides cheaper rental accommodation for very low to moderate income earners – receives a disproportionate share of complaintsrelative to other residential developments

“I’d say they get double the number of objections,” said Strategic Housing Solutions principal Robert Furolo.

“People don’t like development in general but they’re more averse to it when it’s affordable housing. It changes the tone and quantity of the complaints.”

While a proposal by the City of Sydney forcing developers in the inner city to contribute to building affordable housing could help boost the much needed supply, there’s still much to be done to get the community on board.

“People wrongly think they’ll be living near junkies or people just out of jail, and all these fears and prejudices come up,” the former mayor and state MP added. “They think the nature of the people living there will bring down the value of property in the area, bring trouble and antisocial behaviour.”

University of Sydney chairman of urban and regional planning and policy, Peter Phibbs, said addressing misconceptions about affordable housing was key to overcoming the not in my backyard (NIMBY) mentality, which hindered such developments.

“Everyone is cool about it, except when it’s in their street,” he said. “Then you get a few ringleaders that fire everybody up.”

He pointed to a proposed development by Sutherland Shire District Trade Union Club to build a childcare centre and affordable housing in Gymea, which received more than 130 objections. The development application (DA) for the affordable housing was withdrawn this week. The Trade Union Club has been contacted for comment.

While overdevelopment had been flagged as a key concern, Professor Phibbs suspects many objections would have been prompted by presence of affordable housing tenants.

Professor Phibbs conducted research into opposition to affordable housing, which looked at 401 formal submissions made against affordable housing proposals in Parramatta between 2009-2011. Forty per cent of submissions raised crime and safety as a concern and 24 per cent flagged the low income of future residents as being an issue.

Most of these fears we never realised – a later survey of residents found the majority of people had experienced no negative impacts from the developments.

Professor Phibbs said objectors to affordable housing needed to change their tune, as it was “the sort of product a lot of their kids may end up in as they’ve been priced out of the market”.

Andrea Galloway, chief executive officer of community housing provider Evolve Housing, said Baby Boomers were the most likely generation to oppose affordable housing development – even though their own children may have to rely on it as house prices continue to soar – and noted that new-generation boarding houses in particular received a lot of complaints.

In the city of Canada Bay, where Evolve has 11 affordable housing properties, data supplied by council shows that in the 2015/16 financial year approved DAs for affordable housing boarding houses received an average of 17.6 submissions from individuals and groups within the community. By comparison there was an average of one submission for every four DAs for other development.

Ms Galloway said protracted planning and approval processes in NSW – which are only lengthened by community resistance often based off misunderstanding – were a key hurdle for increasing the supply of affordable housing.

“We had a development up in Toukley where the rumours were the people would be coming from prison using the chemist to try to get drugs as they were hooked to meth,” she said.

“Then they’d hear tenants had to have proof of income, all of a sudden that changes the dynamic.” “

Waverley Council mayor Sally Betts, has seen how “incredibly difficult” it can be to get the community on board with affordable housing.

In Bondi, land long-owned by The Benevolent Society was sold to Mirvac in 2013 after opposition from residents and extensive design modifications required by council and the Land and Environment Court made a proposed 128 unit development for the elderly – which would have included affordable housing – financially unviable.

In its place, Mirvac developed a recently-completed 190-unit development, where a one-bedroom apartment is currently being advertised for $750 a week.

“We had hundreds of community meetings…we negotiated and negotiated,” she added. “But the development just became smaller and smaller…and it pushed [The Benevolent Society] past the break-even point.”

“It was a great loss,” she said, noting locals ended up with just another development that had no community benefit.

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