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.

Golden Circle did not respond to a request for comment. Savvy Consumer – Interact with us on FacebookLatest consumer affairs news

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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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The phone bill price that shocks Chinans the most

The first time Harriet Farkash went over her $89-a-month phone bill she kicked herself, but assumed it was merely “a busy month” and moved on.
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Then it happened again, and again, and again.

By the end of last year the freelance writer had paid an extra $1000 in excess mobile data charges.”I wasn’t sure what was causing it, before I realised the main culprit was probably [messaging app] WhatsApp,” Ms Farkash, 31, said.

“I’m in a few group chats with friends. I worked out that one thread would have around 3000 messages a month … so it was really chewing into my data.”

A recent survey by comparison site finder苏州夜总会招聘.au has found ns have a high tolerance for mobile bill shock, with $214 the average amount that shocks consumers.

For a typical mobile phone plan ns pay $47.70 a month, on average.

According to the research, one in four respondents have experienced bill shock, and of those, almost one third have received a bill of $200 or more.

Unsurprisingly, Generation Y is the age group most commonly hit.

After Ms Farkash received multiple bills for $300 or more, she approached her provider seeking an alternative plan to better suit her usage.

“I went onto a $40-a-month plan, where I get 10 gigabytes of data and I have not gone over once. I watch Netflix on my phone, use Spotify, and I don’t think about it at all.”

In December last year, the Communications and Media Authority revealed a decline in the incidence of consumers receiving unexpectedly high bills since 2013; from 33 per cent to 19 per cent.

For product bundles (mobile, broadband, landline) in the same period it has fallen from 26 to 10 per cent.

ACMA also found the average extra amount consumers were paying for unexpectedly high bills has reduced from $94 to $60 in the past four years.

“Fewer [consumers] are experiencing unexpectedly high bills, and they are making better use of spend management tools to monitor and track their expenditure,’ said acting ACMA Chairman, Richard Bean.

He said consumers were budgeting through SMS alerts, usage of which has increased from 67 to 78 per cent since 2013.

Alex Kidman, tech expert at finder苏州夜总会招聘.au, said bill shock was happening less, because the value of services had improved, but he maintained there were still ways consumers could “blow their cap”.

“Our figures point to the main culprit being data usage, although roaming is still a big one,” he said.

“While it is easy to go over your data limit, phone providers these days are obliged to message you when you’re close to reaching your data usage cap.”

The n Communications Consumer Action Network said bill shock was declining, however it had recently received an increase in inquiries about mobile premium services and direct carrier billing.

“Often the consumer has inadvertently signed up for a service … by accidentally clicking on an advertisement on a website. These can … accumulate to large amounts of money if the consumer does not unsubscribe and request a refund,” an ACCAN spokesman said.

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Meet three women who have turned their Instagram into financial freedom

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There was a time when the word businesswoman conjured up images of power dressing, corporate lunches and dull offices. But thanks to social media, successful businesswomen these days are just as likely to be snapping selfies, drinking green smoothies and travelling the world.

Instagram has 600 million monthly users and around 60 per cent of those are female. One in five ns use the powerful image-sharing platform, and this reach means many brands pay popular users, or “influencers”, big bucks to endorse products. Some influencers have thousands or even millions of followers.

“Influencer marketing has exploded because [influencers] have a very intimate relationship with their audiences,” says Anthony Svirskis, chief executive of Tribe, a company that brings influencers and brands together. “That [relationship] is hugely valuable for brands that want to tap into these conversations.”

While celebrities tend to be the most followed people on Instagram, a 2017 study published in the journal Computers in Human Behavior found non-traditional celebrities such as bloggers, YouTube personalities and the Instafamous have more influence on young females when it comes to purchasing decisions.

Influencers must clearly identify sponsored content, according to a new provision in the n Association of National Advertisers Code of Ethics, but Svirskis doesn’t think this will have a big impact.

“They’re just guidelines that require #ad to be placed on influencer posts which are paid for by brands,” Svirskis says. “The reality is the best influencers have been doing this for a while. “Our data shows it makes very little difference to engagement or audience sentiment when an influencer discloses a sponsored post.”

If a sponsored post can earn an influencer anywhere from $200 to $15,000, who could blame them for ditching the corporate dream and going after #Instasuccess?

We meet three business-minded n women whose Instagram accounts have given them financial freedom beyond their wildest dreams. SJANA EARP Yogi, digital influencer, 22 1.2 million Instagram followers @sjanaelise???

The glamorous life of Sjana Earp as seen by her Instagram followers. Photo: Instagram/ Sjanaelise

???”When I was in year 10, I went through a rough patch with depression and had a few stays in psychiatric wards. I dropped out of school at the end of that year. I did a Certificate III in fitness training and studied photojournalism, but stopped my studies because I started to earn an income through Instagram.

I used Instagram for self-expression and as a creative outlet, then I was asked to photograph an event in Perth. That job led to me being invited to Bali as an influencer for a yoga retreat. If someone sees your content and they like it, they’ll invite you somewhere else.

It was never my intention to achieve a certain number of followers. I remember reaching 10,000 and I couldn’t believe it. I think my following comes down to timing, luck and passion.

I can’t remember the first time I posted about my mental health issues. I started by saying little bits about how I was having a rough time. Instagram has provided me with an outlet – there’s nothing worse than bottling up your emotions – and my followers accepted me being open about my feelings.

Three years ago I was approached by an agency who wanted to manage me. My reaction was, ‘What? Really? I could get paid for doing this?’

I don’t do sponsored posts if I don’t use the brand or product myself, and I limit myself a lot more than many other influencers because it works better for my personal brand. It’s good to come forward and acknowledge when you have been sponsored.

I have a contract with yoga wear brand Alo Yoga. I became an ambassador for them because it’s my favourite yoga brand anyway.

As your following grows, opportunities grow and so does the price tag associated with posts. It’s a very spontaneous life. I don’t know what’s next but I do know how lucky I am to do what I do.”

I have a contract with yoga wear brand Alo Yoga Photo: Instagram/ SjanaeliseCHLOE MORELLOBeauty blogger, 26 853,000 Instagram followers @chloemorello???

Chloe Morello has a huge following on Instagram and Youtube. Photo: Instagram/ Chloemorello

???”I was only 16 or 17 when I found make-up tutorials on YouTube, but I became obsessed. Mum used to yell at me for using all the dial up [internet]! I learnt so much from social media and YouTube.

I was 20 when I decided to do my own online tutorials. My following grew quickly but I didn’t plan for it to become my full time job.

I use Instagram to post about makeup, but also my personal life, travel, relationships and fashion. Instagram is great because people can find you easily and it’s a way of sharing my knowledge.

I’ve been uploading make-up tutorials for Muslim women for about four years. It started when a Muslim friend asked me to do a tutorial to coincide with Eid al-Fitr [a celebration to mark the end of the fasting month of Ramadan].

The tutorial had more than double the usual number the comments of other videos I’d done, and all were positive, so I kept it up.

I’ve received thousands and thousands of requests from Muslim women [for] those videos, but last year I got some negative comments. The majority of criticism came from non-Muslim women.

When someone enquires about working with me on Instagram, my manager gives me the details and I decide whether I am interested. Usually I am not, because I am very picky. A sponsorship is not worth it if all it does is annoy your followers.

If it’s a make-up brand I already use and love, then the decision is super easy. I’ve worked with brands like Bobbi Brown, Smashbox, Dior, Benefit, Sephora, Givenchy and Coca-Cola.

It’s surreal because they’re brands I have used and loved for years.

Often a sponsored opportunity is not booked as a sole Instagram post but as part of a broader campaign, so the fee I am paid includes a YouTube video.

YouTube videos pay at least four times more than an Instagram post. Each post is definitely worth the money, but I only do one or two sponsored posts a month.

It is not enough to live off, but combined with YouTube I’m making much more money than I ever dreamed of: a strong six-figure income.

It is hard to keep up with posting to Instagram and to create quality pictures. Finding someone to take the photos of me is the hardest thing. I’m engaged but it is a long-distance relationship, so usually all I have is the length of my arm to take pictures. There’s only so many selfies I can manage to take.”

Chloe Morello. Photo: Instagram/ChloemorelloLAUREN BATH Travel photographer, 36461,000 Instagram followers @laurenepbath

Lauren Bath Travel photographer. Photo: Lauren Bath

???”When I was 26 I came back from my first overseas trip and decided I wanted a new direction in life. I left my partner of 10 years and moved back to my hometown on the Gold Coast.

I had been a head chef but I took a casual cheffing job so I had more time to pursue a new hobby, and that hobby became Instagram. I downloaded it purely by chance and had no idea Instagram was about photography.

In 2011 I went to Zimbabwe on holiday and started taking snaps, which I uploaded to Instagram. That was during a huge period of growth on Instagram. People were finding me through the Popular Page [now called Explore]. It was purely algorithmic: if you had a high number of likes per minute for 15 to 20 minutes after you posted, then you would go to the Popular Page.

My content was different to the pictures that were popular at that time – nail polish, cats and Justin Bieber – and my following grew by about 1000 each day.

There was a time when some Instagrammers didn’t want anyone else to do well and reported my pictures to be “inappropriate”, which meant my images were automatically taken off the Popular Page.

I didn’t grow a single follower for at least a month and I got really upset, but I knew it was so ridiculous because it’s just an app on my phone.

I was crying but at the same time I remember thinking, ‘I feel like Instagram is leading somewhere for me.’

On New Year’s Eve in 2012, I was washing dishes in the restaurant and I thought, ‘This isn’t what I want out of my life’. So I made a pact to quit my job and see if there was any potential to make money from Instagram.

I was not aware of anyone in the world making money from Instagram. But the universe had plans for me: I told my boss I was quitting and two hours later there were three opportunities in my inbox. All were paid and all were photography- and travel-based.

As an influencer you generally start out earning nothing but have all of your costs covered. As your influence grows, you start earning $100 a day and that quickly works towards $500-plus a day.

For the first two years I was pretty much the only person making money from Instagram in the tourism scene in . These days, it’s hectic. I earn six figures and hope to build on that. I know a day will come when someone will usurp my crown, but I work incredibly hard.

Landscape shooting in Japan. Photo: Instagram/ laurenbath

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Arts sector ‘delighted’ as government axes Brandis’ arts ‘slush fund’

The arts community has rejoiced at the Turnbull government’s decision to axe a George Brandis initiative for “excellence in the arts” and return the money to the Council.
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The Brandis-era outfit, now known as Catalyst and dubbed a “slush fund” by arts observers, allowed the minister and his department to hand-pick projects for government funding.

Council chief executive Tony Grybowski declared himself “delighted” at the policy reversal, which followed almost two years of pressure from arts groups and high-profile artists.

The decision was a “positive indication of the minister’s confidence in the Council and our programs and activities”, Mr Grybowski said.

In the shake-up, $61 million over four years will be transferred to the Council, which grants funding to artistic projects, organisations and individual artists based on an independent assessment process.

That includes $32 million already handed back to the council by Arts Minister Mitch Fifield when he took over the portfolio in 2015. The purpose is to boost funding to smaller artistic enterprises.

Senator Fifield said the change was an “important rebalancing” that showed the government was “open to feedback”.

One of the first beneficiaries of the new regime will be the Victorian Opera, which will receive a $340,000 annual grant to assist its transition to a major performing arts company, Fairfax Media can reveal.

The n Brandenburg Orchestra in NSW will also receive an additional $250,000 a year.

Kip Williams, artistic director of the Sydney Theatre Company, said handing resources back to the Council was a “great step” towards ensuring the vitality of ‘s cultural industry.

“This has been a disruptive period of upheaval for artists and for the small-to-medium sector particularly,” he said. “Large companies rely upon a vibrant small-to-medium sector in order to grow and develop artists.”

Evelyn Richardson, chief executive of Live Performance , also welcomed the decision but maintained concerns about ongoing underfunding of the arts.

“It’s not the full amount that was taken from the Council and the Council is still not funded sufficiently in our view,” she said.

“We are concerned that significant damage has already been done. We also want to know what the bigger picture plan was for stabilising the sector.”

Senator Brandis raided the Council’s budget to the tune of $104 million to create the National Program for Excellence in the Arts, which brought funding decisions into his own remit rather than at arm’s length from government.

The program was branded a “slush fund” by the arts sector, and the outcry eventually prompted $32 million to be handed back to the n Council in 2015, and the initiative rebranded as “Catalyst” under Senator Fifield.

Catalyst will now shrink to a $2 million pool used by the department that will focus on areas of artistry outside the Council’s general purview, such as architecture and fashion.

Gene Sherman, executive director of the Sherman Contemporary Art Foundation, said the small chest of funding would be useful because “the Council doesn’t cater for everything any more”.

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If your wallet is empty, you’re part of the new majority

Open your purse or wallet. If it’s empty, apart from cards, you’re part of something big.
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For the first time, cards account for more of our purchases than cash. Whether its payWave or myki or Opal or MyWay for the small things, or Visa, MasterCard and debit cards for the big ones, we are using cards more often than ever before and taking less cash out of ATMs than at any time in the past 15 years.

Often I have not a single piece of cash on me (much to my children’s annoyance).

A new Reserve Bank report released on Thursday finds that an astonishing one-fifth of ns carried no cash whatsoever on the day they were surveyed, up from 8 per cent three years before.

The typical amount carried fell from $55 to $40.

The typical amount secreted away around the home (such as in bedrooms and under fruit bowls) is $100.

An astounding 30 per cent of us keep no cash whatsoever in the house, up from 25 per cent three years ago.

If nothing else, it suggests incredible faith in banks.

The Reserve Bank carries out the survey every three years. In November it gave 1500 people diaries and asked them to record every transaction for a week, more than 17000 transactions in total. In a telling irony it rewarded them with gift cards rather than cash.

Only one-third of the transactions were in cash, down from two-thirds in 2007. The use of cards jumped from one-quarter to 52 per cent, supercharged by a surge in the use of contactless payments for amounts under $20.

Only for payments of less than $10 did cash still hold its own, and predominantly among older and poorer ns.

The said they used it because it was cheaper (no surcharges) and easier to budget with because it could be seen. Some said they were concerned about privacy and fraud, but not many.

Soon many of them will be abandoning cash. Smartphone payments (made by waving phones instead of cards) accounted for only 1 per cent of transactions in November, but they are about to get big.

For people like us. Different Reserve Bank statistics suggest there’s another (smaller) class of people for whom cash is almost everything and becoming even more. The use of $100 notes jumped 9 per cent in the past year, well above the long-term growth rate of 7 per cent.

There are now an extraordinary 12 $100 notes per person in circulation, twice as many as the more widely-seen $20 notes. The Bank knows this because it pumps them out. In an attempted explanation, its annual report limply says they are “used as a store of wealth”.

But not by people like you or me.

A raid on the home of the now-jailed NSW Labor powerbroker Eddie Obeid found $30,000 in cash. There are more Obeids around, and their wallets are anything but empty.

Peter Martin is economics editor of The Age.

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Daryl Gibson concedes Waratahs are in a hole after Brumbies loss

SYDNEY, AUSTRALIA – MARCH 18: Jack Dempsey of the Waratahs reacts as he receives attention from the trainers after injuring his leg during the round four Super Rugby match between the Waratahs and the Brumbies at Allianz Stadium on March 18, 2017 in Sydney, . (Photo by Mark Kolbe/Getty Images) Photo: Mark KolbeDaryl Gibson has admitted the Waratahs are in a “real hole” following their loss to the Brumbies and third consecutive defeat of the Super Rugby season.
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After a disappointing couple of losses in South Africa, the Waratahs failed to deliver on their home turf, succumbing to the Brumbies 28-12 at Allianz Stadium.

Two tries to Brumbies winger Henry Speight put the result beyond doubt and has now left the Tahs with one win from four starts.

It is a position that has not pleased Gibson, who was rather frank at the post-match press conference, saying it was up to his players to dig themselves out of a major hole.

“That puts us into a real hole, we’re in a real battle again and that’s down to our own doing,” Gibson said. “We’ve got no one else to blame but ourselves.

“Credit to the Brumbies, they got the points, got the job done well. Things aren’t working currently so we’re going to have to look at what we’re going to change to get them clicking.

“[We are] just really inconsistent at the moment. Trying to piece that together and put together a sustained pressure at every area, whether that be set-piece, defence, kicking, just trying to make sure each individual is performing well and at the moment we’re struggling to get that consistency across the whole board.”

Gibson lamented a struggling Waratahs set-piece in the second half which contributed to NSW giving up a seven-point lead in the first half and an even playing field at half-time.

“We lost four lineouts in the second spell and failed to convert any pressure into any points,” Gibson said. “Scrum late on came under pressure, we conceded some penalties, so that’s disappointing. We can’t continue to shoot ourselves in the foot each week through our own inaccuracies and succumbing to pressure at set-piece time.”

Gibson is preparing to be without blindside breakaway Jack Dempsey for perhaps the rest of the season after he sustained a leg injury. He will have an MRI scan on Sunday.

Dean Mumm had a stint at No.6 last year for the Waratahs but it appears youngster Ned Hanigan is in the box seat in the likely event Dempsey is ruled out for the Rebels match on Friday.

“It doesn’t look good for him,” Gibson said. “At the moment best case, potentially is 8-12 weeks [on the sidelines], so that could be the season for him. [It is] particularly [tough] when he was coming into some pretty good form.”

Prop Sekope Kepu copped a head knock in his 100th game and had to leave the field. He will be monitored in the coming days.

Captain Michael Hooper said the most frustrating part of the 16-point loss was that players were putting in the hard yards on the training paddock but not being rewarded when it came to game day.

“If guys weren’t working hard each day I would be [annoyed],” Hooper said. “But I’m frustrated because guys are working really hard at training and we’re not a getting a pay on the weekend, so it’s hard to think why we put in so much hard work and don’t get the pay.”

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