Archive for: January, 2019

Majority support green groups using ‘lawfare’ to challenge mining ventures: poll

Jan 20 2019 Published by under 苏州美甲美睫培训学校

Australians want the federal government to protect the Great Barrier Reef, new poll finds. Photo: Lady Elliot Island Eco Resort Damselfish in distress: Degraded habitat in the northern part of the Great Barrier Reef. Photo: Supplied

Environment groups should have the right to challenge approvals of large mining projects, a new poll has found.

The Turnbull government should make saving the Great Barrier Reef “an absolute priority”, and green groups should be able to use existing laws to protect the environment, new polling has found.

The ReachTEL survey of 2636 respondents commissioned by the Australian Conservation Foundation found broadbased backing for the reef and the use of the courts to challenge new mines, even among self-described as Liberal-National Party supporters.

The poll was taken Tuesday, a day after an ACF challenge failed in the Federal Court against the federal government’s approval of the giant Adani​ coal mine in Queensland. Some conservative politicians have accused green groups of using “lawfare​” to delay major projects by testing approvals in court.

Some 83 per cent of polled Coalition supporters, for instance, agreed with comments by Josh Frydenberg​, the environment and energy minister, that protecting the reef was “an absolute priority”. That tally was close to the 86 per cent of all respondents who “strongly agreed” or “agreed” with the statement.

Similarly, almost three-quarters of coalition backers agreed with the view Australians “should be able to use the current environmental laws” to safeguard the environment. Coalition voters’ support, though, dropped below 60 per cent when “environment groups” are cited as the actors, rather than “Australians”. This story Administrator ready to work first appeared on 苏州美甲美睫培训学校.

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Generation Y and Baby Boomers lead a boom in new entrepreneurs

Jan 20 2019 Published by under 苏州美甲美睫培训学校

Naomi Moon is typical of young enterpreneurs, dropping out of uni to start her own business. Photo: Wolter PeetersNaomi Moon is one of thousands of Generation Y and baby boomers leaving traditional jobs to become their own boss.

The 24-year-old from Penrith has worked in warehousing and abandoned her university studies after deciding she was on the wrong path.

“I was warehousing at night and studying during the day,” she said.

“I was sick of studying and needed to work.”

It was during a late night conversation with a friend that the pair decided to go into business together doing photography and graphic design.

“It’s fantastic. Ever since we moved into [a shared office space in Penrith] our productivity has gone through the roof,” Ms Moon said.

“We are finding our niche in the world.”

KPMG demographer Bernard Salt said more than 340 new start-ups were popping up every week in entrepreneurial hotspots including Riverstone in NSW, Frankston in Victoria, Aspley in Queensland, Mandurah in Western Australia, Hobart in Tasmania and Victor Harbor in South Australia.

“There are more than 17,000 new businesses created with up to five people every year. It is easily the fastest growing new business area,” he said.

“Bigger businesses might be putting on more staff, but this is new business creation.

“There is an extraordinary amount of creative entrepreneurial energy at the micro business level. This level is sole traders and people employing up to five people”.

The biggest surge in new business owners was made up of Generation Y and Baby Boomers.

“I think Baby Boomers are reimagining how life is lived in your 60s,” Mr Salt said.

“I’m arguing that this is actually an Aussie dream, being your own boss, especially if you can do it in a lifestyle area.

“Generation Y are not committed to marriage, mortgage or children in their 20s as were preceding generations and can be more entrepreneurial at a younger age.”

In his new report: Small Business, Big Thinking: The entrepreneurialism of the Aussie workforce, Mr Salt has identified three new tribes of entrepreneurs:

Lifestylepreneur: is a sole trader living in lifestyle locations including Byron Bay and Lismore in the Northern Rivers region of NSW, Melbourne’s Mornington Peninsula and the Gold Coast and Sunshine Coast hinterland. They are typically retired or Baby Boomers who are chasing a sea or tree change and a cheaper cost of living. They include artists, masseuses and pilates instructors. Illustration: John Shakespeare

Tradiepreneur: sole trader and small business owners made up of Generations Y and X who work in trades including construction, plumbing, carpentry, shopkeeping, accounting, financial planning, motor mechanics, medical, dental, legal and personal services such as hairdressing. They live in the city, middle and outer suburbs. Locations include Sydney suburbs Kenthurst and Catherine Field. In Melbourne, areas including Park Orchards. Illustration: John Shakespeare

Corporatepreneur: Lives in more exclusive suburbs of capital cities and operate larger-scale small business enterprises. The entrepreneurs in this area include established Gen X and ambitious Gen Y start-ups. Locations include Vaucluse in Sydney, the North Shore and Northern Beaches and Bright to Toorak in Melbourne. Illustration: John Shakespeare

The report, commissioned by NBN, said the number of sole traders had increased by 3700 in the 12 months to June 2015, taking the total to almost 1.2 million.

It said new technology including virtual reality, video collaboration, data analytics, cloud computing and Fintech were contributing to the growth in start-ups.

Mr Salt said the days of car manufacturers or companies such as Alcoa coming from overseas to Australia to hire thousands of workers on local pay rates were over.

“We have to create our own jobs of the future,” he said. “Therefore any level of entrepreneurship should be encouraged.”

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What we learn about money from our parents, whether they teach it or not

Jan 20 2019 Published by under 苏州美甲美睫培训学校

Father and daughter, Bella and Jim Buda, with Bella’s daughter, Ruby. Photo: Janie Barrett Simon Clifford’s children, 12-year-old Angus and 10-year-old Olivia, started receiving pocket money from about age 5. Photo: Quentin Jones

Bella Buda has many reasons for wishing her father a happy Father’s Day.

Her father has not only provided the money to get her cafe, the Market Lane in Sydney’s Manly, off the ground but also helps her with ideas for the business.

“He gives me ideas but he’s not controlling and when I have an idea he will back me 100 per cent,” says the 25-year-old.

Her father, Jim, works for himself as an architect and has his office above his daughter’s cafe.

Four years ago, Jim saw that the space below would be ideal for a cafe and suggested the idea to Bella.

Jim didn’t take specific steps to teach his three children about money; in fact, he says he’s been a bit “delinquent” in that regard.

“I thought it was more important for them to think independently and be resourceful,” Jim says. “Being self-employed, you see the highs and the lows and the kids probably picked up on that.”

Bella has an 8-month-old daughter, Ruby, with her Brazilian-born husband.

The couple’s goals include buying a home and to be able to afford to travel to Brazil once a year.

The couple is receiving advice from a certified financial planner on how to grow business and achieve the couple’s financial goals.

“Financial planners can help you understand what you’re capable of,” Bella says. “In our first year of opening we thought we’d reached our peak, but now, four years later, we still want to build it up; we want to open at nights and are working on how to do that.” Family influence

The role of parents in determining how children relate to money is strong, says Mark McCrindle, a social researcher who has his own consultancy, McCrindle Research.

“They see their parents’ attitudes to spending and saving every day,” he says.

In fact, the influence is even longer lived today and extends into adulthood as more young people stay in the parental home well into their 20s,” McCrindle says.

It’s not just about dads. Research from the United States suggests the mother’s level of education is the most important factor in forming children’s money habits.

Divna Haslam, senior research fellow at the University of Queensland’s School of Psychology,  says young adults whose mothers have higher education tend to have better financial literacy than those whose mothers are not so well educated.

The education levels of fathers do not have as much effect on the financial literacy levels of their children, according to the research.

Dr Haslam, a clinical psychologist and family researcher, says financial literacy in young adults is important because it affects financial behaviour. Low financial literacy is associated with higher debt and less retirement planning, among other things.

The research suggests children’s later success and upward mobility in life is influenced by parents’ income, education, marital stability and where they live. It’s what social researchers call the “birth lottery”.

However, the research also shows that children from less advantaged families can overcome some of the negative effects of the birth lottery if their parents teach them about money.

Dr Haslam says the effects of learning about money are significant over and above the effects of the birth lottery.

“This suggests children from disadvantaged homes who are taught basic financial concepts may do as well as those children who are winners in the birth lottery but do not have good money habits,” she says. Knowledge gap for parents

The problem is many parents are not financially literate themselves so cannot pass on their skills to their children.

In the latest of survey of the financial attitudes and behaviour of adults commissioned by the Australian Securities and Investments Commission, only one in three said that they understood the “risk/return trade-off” –  that higher investment returns comes with higher risk.

Two out of five said they did not really understand it with just over one in four saying they had heard of the concept but did not really understand it.

The results were better for basic investing concepts such as “diversification” but still not that good – only about 40 per cent saying they understood the concept of diversification.

There also remains a gender divide with regards to money and confidence in making the big financial decisions.

Recent research by McCrindle Research for the Financial Planning Association found women were more likely than men to defer to their partner to make financial decisions.

About 17 per cent of women said they let their partner make most financial decisions while just 12 per cent of men said the same.

Dr Haslam says her “gut feeling” is that, historically, parents may have focused more on boys’ financial literacy than girls’ financial literacy. “Luckily, this seems to be changing”, she says. Proactive parenting

Simon Clifford, a father of three, takes a different approach to Jim Buda when it comes to money. As a certified financial planner by trade, Simon believes in teaching his children about money from a young age.

His children, 12-year-old Angus and 10-year-old Olivia, started receiving pocket money from about age 5.

“We started giving them pocket money equal to half their age, so that at age 5 they received $2.50 a week,” says Simon.

“I would give the change to them in all sorts of dominations and they would learn to count it and then it would go into their money boxes.”

With the shift to the cashless society, children do not see as many people using notes and coins to buy things and handling cash helps them to learn the value of money, he says.

When the children were a bit older Simon would pay them the wrong amounts and get them to check it.

Every so often the money boxes would be opened on the dining room table and the money counted and they were surprised by how much had been saved.

The children now have online accounts and the money goes into accounts directly.

Simon and his wife, Annick, have always expected the children to do some basic chores for the pocket money like tidying up their rooms and brushing their teeth.

“We have tried to instil in them the value of things they have like phones and laptops, he says.

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Josh Pyke: books that changed me

Jan 20 2019 Published by under 苏州美甲美睫培训学校

Singer/songwriter Josh Pyke learnt about adventure from Huckleberry Finn and mindfulness from the Dalai Lama. Photo: SuppliedJosh Pyke is one of Australia’s leading singer/songwriters and a storyteller through his songs. As a lifetime ambassador for the Indigenous Literacy Foundation, he will perform at Sydney Opera House for Indigenous Literacy Day on September 7.

Adventures of Huckleberry Finn

Mark Twain

I read this book when I was about 10, and was drawn in by Huck’s narration and vernacular. Most of the subtleties were lost on me, but the pure adventure of it captivated me: this world where children were adventuring in the streets at night, rafting down rivers, camping on islands. I entered a radio competition asking listeners to write an essay on their favourite book, and won my own “adventure”, flying in a light plane and abseiling down a cliff. This was probably the first book that allowed me to be fully immersed in an imagined universe, and I was hooked.

Prince Caspian

C.S. Lewis

I moved on to the Chronicles on Narnia, barely leaving that imaginary world for years. Prince Caspian was my favourite, I think because, at first, Caspian was unaware of his own potential. A veil was lifted for him, to reveal this world of talking animals, children from another world, and that he was the rightful heir to the throne. The book convinced me that my “real life” was out there and waiting for me to find it, and when I discovered music I engaged in that pursuit with the spirit of some great unveiling too.

The Adventures of Augie March

Saul Bellow

I read this book in my 20s after discovering one of my favourite Australian bands had named themselves after it. It’s a complex read, but the “everyman” character of Augie – this person who seems to dodge and weave his way through life, never quite fulfilling the potential others see in him – appealed to me. I was wholeheartedly pursuing a career in music, and very much floundering. Augie, however, never really aimed for anything but seemed to come out on top. He never really tries, so he never really fails. It’s a compelling way to live when the alternative is to pin your hopes to a fragile dream. In the end the book taught me that I’d rather regret trying something, than regret not having tried it at all.

The Art of Happiness

Dalai Lama XIV and Howard C. Cutler

In 2007, my first album had just gone gold, and after 10 years of waiting for my “real life” to begin, things were firing. For some reason though, I just couldn’t find the joy in it all. I ran into a fellow musician while on tour, and he posted me this book after I’d admitted how I was feeling. Creative people spend a lot of time in their own heads, and that’s not always healthy. I’m not religious but this book introduced me to the concepts of mindfulness and shifting one’s perspective. It helped me not take everything so seriously and brought a little of Augie March’s lack of resistance to life back into my own.

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Cath Crowley’s Words in Deep Blue a love story about books

Jan 20 2019 Published by under 苏州美甲美睫培训学校

Researched her latest book while grieving for her father: Award-winning author Cath Crowley. Photo: SuppliedWhen Cath Crowley’s father became ill a few years ago, he would mail his daughter copies of the books he had read so they could discuss them.

“Those books arrived smelling of tobacco and old woollen jumpers,” Crowley says. “In some books he’d left the wrappers of sweets.

“His books arrived with him on the pages, And they arrived covered with his thoughts – invisible – on the pages. Those things were precious before he died, but even more so after.”

Crowley’s father died in September 2014, and “as horrible as it is to say it”, she says, her latest book, Words in Deep Blue, got a bit of a kick-start during her grieving.

“I realised grief is very particular to each person,” she says.

“I hadn’t felt that sort of grief before and to know that people react differently and there is humour in grief, lighter moments. I couldn’t imagine how that would be until I felt it.”

Words in Deep Blue is a love story. The story of Henry and Rachel, best friends once, before Rachel moved away, before her brother Cal drowned, before they had both been hurt.

But it is also a story about the love of books. Henry works in Howling Books, a second-hand bookstore with a “letter library”, a section of the shop where customers are encouraged to circle words and sentences, write notes in the margins, leave letters in books for other people to read.

Crowley loves this idea. One night she was reading an old copy of Tennessee Williams’ play A Streetcar Named Desire where she found notes had been made by two people. A niece lent her a copy of John Green’s The Fault in Our Stars with margins crammed with comments and exclamation marks.

“And for my 40th birthday a friend organised this big search across Melbourne for me,” Crowley says.

“She hid messages in books in the State Library for me to find, that kind of thing. It was a lovely idea, pulling out a book and finding a quote in there. And I thought if I missed one of those quotes someone else would have pulled the book out and found it in there.”

Crowley took a long time to write Words in Deep Blue. Her last book, Graffiti Moon, published in 2010, won a Prime Minister’s Literary Award, a NSW Premier’s Literary Award and was an honour book in the Children’s Book Council of Australia Book of the Year Awards.

“I had the idea for Words a long time ago, it was a matter of a few things falling to place, life got in the way a little too, and I had to work out the exact story.”

While grieving for her father and doing more research for the book, Crowley met the man who would become her husband, the author and bookseller Michael Kitson. She agrees that sometimes when you are at  your most vulnerable, you are also more open, a theme she explores in Words in Deep Blue.

“That is how it was for me, anyway. There were reminders that life does go on, there are things that pull you out of grief.”

Crowley and Kitson have just moved into a new house and one of the first things they sorted out were the bookshelves.

“There’s something about coming home and seeing them all there. We’ve alphabetised them all, which is just hilarious,” she says.

Crowley is optimistic they will be able to fill their bookshelves for years to come.

“We had to change one of the lines in the book because I’d talked about this idea that digital was thriving and maybe books weren’t but my publisher said that’s not the case anymore.

“I was visiting a second-hand bookstore the other day and a woman said me to she’s not even entertaining the end and I’m not either. We’ll always have physical books.”

Which means margins to scribble in and pages to leave love notes between.

Words in Deep Blue. By Cath Crowley. Pan Australia. $18.99.

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