Republic;Sydney;980807;Photo;Robert Pearce;SMH NEWS;story;Tony Stephens.The Republican movement celebrated it’s seveth birthday with a cake in it’s Park St offices.Pic Shows;Malcolm Turnbull blows out the candles, watched by [left] Wendy Machin and Neville Wran.It’s our Prime Minister’s birthday today. In a spirit of charity, we should wish him many happy returns. We must acknowledge, though, that, at the moment, he’s not in a sweet spot politically. He never will be.
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To thrive in the job, a prime minister must be a canny politician. Yet Malcolm Turnbull, even though he has held the office for more than two years, has only ever exhibited a limited mastery of the art and craft of politics.

Evidence of Turnbull’s fitful strike rate as a political performer can be drawn from past decades as well as more recent events.

Back in 1999, a masterful John Howard easily outfoxed Turnbull’s badly organised republican campaign. In an eerie near-reprise 18 years on, the poorly plotted same-sex marriage postal survey looks like being carried partly because Turnbull is running dead on the issue.

The tricky politics of energy policy undid Turnbull’s first stint as Liberal leader in 2009 and this issue is equally problematic for him eight years on. Highlighting the need for reliable energy was meant to embarrass Bill Shorten but has instead further emboldened Tony Abbott.

Abbott has every right to be cranky with Turnbull. Knifing Abbott in 2015 has led to endless complications. Abbott won a thumping victory in 2013. Three years later, it was Turnbull who called on an interminable double-dissolution election that ended in near defeat for the Coalition and produced an even more interesting Senate.

Turnbull twice tripped himself up when, in the early 1980s, he first sought to become a member of parliament – any parliament, in fact.

In 1981, a vacancy in the federal seat of Wentworth triggered a by-election. The Liberals needed to preselect a candidate. Turnbull ran, buoyed by his connection with media mogul Kerry Packer, for whom Turnbull had worked as a journalist.

Quite a few of the preselectors, though, were offended by Turnbull’s association with Packer, who was then seen as a friend of NSW Labor premier Neville Wran. Turnbull did not have the agility to brush the animus aside. He lost the preselection ballot.

In 1983, Turnbull settled for a tilt at being preselected for the safe Liberal seat of Mosman in the NSW state parliament. He ran his usual, unfocused campaign. His biographer, Paddy Manning, quotes Liberal Party notable Nick Greiner’s comment that Turnbull was “arguably petulant” when dealing with individual party members in Mosman. He lost again.

Turnbull was no good at retail politics but had many splendid qualities nonetheless. There was self-belief and a work ethic. He had married well. He was, to use words applied to him by Paul Keating, utterly fearless and brilliant.

Blessed with these attributes, Turnbull enjoyed worldly success after he switched from party politics in 1983 to focus on law and investment banking. He made heaps of money. He became richer than any one sitting in Federal Parliament.

Federal parliamentarians usually need to retire from electoral politics if they wish to truly beef up their material assets through consultancy or lobbying. With Turnbull, the exact opposite happened. He enriched himself before rather than after parliamentary life.

In the late 1990s, Turnbull began to use his own money in a bid to do good and buy affection along the way. Hence his involvement in the republic push.

In 2000, Turnbull again lacked the numbers when the Liberals held another preselection vote in Wentworth.

Three years later, though, he won a bitter preselection contest in the same seat. He now had the resources to barnstorm his way to victory. In retaliation, many local Liberals voted for his ousted predecessor, Peter King, who ran as an independent.

Turnbull invested more than $600,000 of his own money to become member for Wentworth with a reduced Liberal majority. This was a foretaste of the 2016 federal election campaign, which saw the Prime Minister reportedly donate more than $1.75 million as he sought re-election.

So we have a pattern whereby much money is spent to produce mediocre results. Something is wrong here.

Success outside politics propelled Malcolm Turnbull into The Lodge even though he lacks basic qualities needed to sustain success as a prime minister. He is very rich precisely because he is no good at politics. There is, as a result, a fearful asymmetry at the heart of n government.

On this day of all days, we wish Turnbull a happy and speedy retirement from politics, as well as a very happy birthday.

Stephen Holt is a Canberra writer. [email protected]

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A crackdown on polluting industries in northern China for an unprecedented five months over winter is not a one-off and could hit n iron ore and coal exports.
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The winter pollution shutdown, which began in September and will run until March, is set to continue, China’s environment minister says.

n iron ore and coal exports have been hit by a slowdown in Chinese demand since the crackdown on pollution. Steel mills and cement makers in some provinces have had to cut production by 50 per cent, and the sale and use of coal is banned in other cities.

In previous years, the winter shutdown has only lasted a few weeks.”This is not a one-off, it will continue in the future,” said environment minister Li Ganjie of the new measures.

Chinese cities have a deadline of the end of the year to meet clean air goals set five years ago. Some financial analysts had regarded the government-enforced shutdown as a seasonal impact as the government tries to head off air pollution which worsens in winter.

But Mr Li said: “These special campaigns are not a one-off, instead it is an exploration of long-term mechanisms. They have proven effective so we will continue with these measures.

Chinese President Xi Jinping has called for China to become an “ecological civilisation” and pursue green growth in his report to a twice a decade meeting of the Chinese communist party.

Mr Li said the progress made in addressing air pollution was not enough and China’s energy mix was “still dominated by coal” and the proportion of heavy industry too high.

Speaking to media at a press conference during the party’s 19th national congress, Mr Li said the environmental campaign may have a short term impact on economic growth “but in the long run, the big picture, the impact is minimal”.

He said his ministry was closely tracking economic data in cities where it sent in environmental inspectors, who are closing hundreds of factories, and it showed environmental protection has had no impact on unemployment levels.

“In my view there is a positive correlation between environmental and economic performance,” he said. He also rejected complaints the government was taking a “one-size fits-all approach” with pollution restrictions, and said they were being tailored to different cities.

Companies that were able to correct their mistakes would be put on probation before being shut down for environmental breaches, he said.

Mr Li didn’t specify which of the suite of measures being imposed on northern cities over winter would continue long term.

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MURDERER: Left; Daniel Petryk, 25, of Windale, was on Monday found guilty of murder over the shooting of Robert Parry at Wickham in March, 2015. Right; police investigate the home invasion shooting in Dickson Street. DANIEL Petryk’s problems started with a poker machine.
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The day before he snuck into the home of small-time cannabis dealer Robert Parry armed with a .22 shortened single-shot firearm,Petryk sat down in the pokie room of the Lambton Park Hoteland began to play.

He didn’t know it, but the decision to have a flutter on that Friday in March, 2015, would set in train a series of events that would lead to Mr Parry’s violent death in the botched home invasion“drug rip” and Petryk facing the prospect of life in jail.

After an often dramaticfive-week trial in Newcastle Supreme Court–during which Petryk’s co-accusedJesse Nikolovski was acquitted of murder and Petryk was forced to change his legal counsel after trying to change his story–the jury took a little over nine hours to find Petryk guilty of murder and armed robbery on Monday.

With no physical evidence tying Petryk to the scene, the prosecution case rested on the shoulders of one witness; a woman who said she was with Petryk and Nikolovski, 24, of Mayfield, during the home invasion.

The witness, who cannot be identified, told the jury she was armed with an axe when she snuck into the home behind Petryk and watched as he pulled the trigger and Mr Parry, a well-known Wickham identity who was deaf in one ear and left his front door unlocked,fell to the ground.

Petryk had maintained he wasn’t there that night.

But the trial heard that the day before the home invasion,hewas having a punt on the poker machines.

TRIAL: Main; Robert Parry (right) with his late father, Alan Parry. Left; Jesse Nikolovski was acquitted of murder, but pleaded guilty to armed robbery over the home invasion at Wickham. Right; Robert Parry’s sisters, Susie and Lynda Parry, after Daniel Petryk was found guilty of murder on Monday.

CCTVfootage played during the trial revealed that Petryk’s gamble at midday on March 6, 2015,was unsuccessful.

And frustrated at losing his cash, he decided to urinateinto a schooner glass and pourthe contents into a couple of the machines.

The licensee confronted him, watched the footage and called the police.

Petryk, on parole and thenundertaking the Drug Court program, knew any offence could land him back in jail.

“I’m f—ed,” Petryk texted a mate at 4.03pm that day.“I’m getting charged so I’ve gotta take off to Queensland.”But first,Petryk would need a firearm.

Petryk, then 23 and living at Windale, had been after a gun for a while and had been hassling this mate to provide one.

And on this night, only hours after the incident with the poker machine, the mate relented, agreeing to leave a.22 shortenedsingle-shot firearm and some ammunition in a bag outside his home.

Petryk swung by to collect it after midnight on March 7.

With him was Nikolovski, then 21, ofMayfield, and a young woman, who would later become the key witness in the murder trial against the two men.

Petryk had a plan to make a quick score before he fled north to avoid his problems.

“He said that he knew a house that his brother used to buy pot from,” the woman told the jury.“That the door would be open and that we would just sneak in and grab the pot.”

Petryk directed Nikolovski, driving a white Holden Commodore, to Wickham, where he parked a block away from Mr Parry’s Dickson Street home.

The trio got out, put on gloves and covered their faces. Petryk grabbed an axe and tried to hand it to Nikolovski, but he wouldn’t take it.

Instead, the woman was armed with the axe, while Petryk had the gun, the woman told the jury.

When asked by Crown prosecutor Lee Carr what the plan was, the woman replied: “Daniel was going to sneak in and if there was no one around he was just going to grab the pot and if there was someone around we were there to just look scary so he could take it”.

She said she was “a metre or two” behind Petryk in the loungeroom of Mr Parry’s home when she saw a man.

“He was holding a can in his hand,” the woman said.

“He went to whack Daniel. “I think I recall him telling us to f— off out of his house.

“Daniel let the gun off.

“[The man] dropped to the ground.”

Petryk’s defence disputed her account and always maintained he wasn’t there that night.

But ultimatelythe woman’s evidence sunk him and wholly exonerated Nikolovski on the murder charge, with the woman telling the court Nikolovski didn’t know the firearm Petryk was carrying was loaded.

That evidence led to Justice Helen Wilson giving the jury a directed verdict of not guilty in relation to the murder charge against Nikolovski.

Then, two days later, in the jury’s absence, Nikolovski pleaded guilty to the armed robbery of Mr Parry and disappeared from the court dock.

After the directed verdict, Petryk spoke with his counsel,Public Defender Mark Austin and his instructing solicitor Mandy Hull, with that discussion leading Mr Austin and Ms Hull to withdraw from the matter.

Mr Austin was too polished a practitioner to air the dirty laundry in court, but Justice Wilson made it clear later that the parting of ways related to Petryk wishing to “change his version of events”.

A week of wasted court time later, and with new legal counsel, the pressure was on Petryk to decide whether he was going to run a defence case or not.

After Petryk claimed he was too sick to follow the evidence on Tuesday last week, Justice Wilson dismissed the jury for the day.

But after the final juror had filed fromthe courtroom, Her Honour made it clear to Petryk how she felt about his delaying tactics.

“I want to make it very clear, that this court’s patience is now at an end,” Justice Wilson said.

“This comes about, it seems to me, from everything that has been said, by him having a change of mind as to what his version of events might be and how he wants that version of events portrayedto the court.

“I do not propose to allow this court to be manipulated or held to hostage by an accused who cannot make up his own mind.”

Petryk returned to court on Wednesday and his new counsel, Public Defender Angus Webb, told Justice Wilson there would be no defence case.

Then, once closing arguments were out of the way, the jury retired at 12.50pm on Thursday to begin deliberating.

They returned on Monday to deliver their verdict, finding beyond reasonable doubt that it was Petryk who pulled the trigger and killed Mr Parry.

The verdictwas a huge relief to Mr Parry’s family, includingtwo of his sisters Susie and Lynda Parry, who sat through much of the trial.

“Robert is dearly missed by us all,” Lynda Parry said in a statement on behalf of the family.

“We particularly miss his smiles and his ever-ready willingness to help us and others in the community.

“There is a hole in our hearts and lives which can never be filled.

“The loss and pain of losing Robert can not be measured.”Petryk will be sentenced on February 2and faces the prospect of life imprisonment.

Nikolovski will be sentenced for the armed robbery on the same date and faces the maximum of 25 years in jail.

But before he is sentenced for his involvement in robbingMr Parry, Nikolovski will appear in CampbelltownDistrict Court to be sentencedfor three armed robberies and a conspiracy to commit armed robbery.

One thing the jury in the murder trial wasn’t told was that in the months after the bungled home invasion at Mr Parry’s house, Nikolovski and a crew of armed thieves got to work holding up Sydney pubs.

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What would it take to align competing views of the Hunter in government, industry and the community, to build regional consensus, synergies and attract investment?
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BRIDGE BUILDING: Will Rifkin delivers his recent New Professor’s Talk.

Misalignment and disagreement have many causes, including marginalisation of certain voices and domination by others. Those who feel disenfranchised can block agreement and change. These problems are compounded when questions are significant, outcomes are long-lasting, and uncertainty is high. Consider the nation’s energy mix and the planned closure of Liddell power station. What about the balance between the Hunter’s mining economy, agriculture, a rising service economy, opportunities for innovation, and desires to preserve community character?

One way to build a bridge between people with different areas of expertise, experience, interests, and values is through ‘dialogue’. In dialogue, strongly held assumptions and pre-existing relationships of power are momentarily suspended.

One can support dialogue through creation of something with a common meaning for the participants. That can serve as a springboard for conversation, drawing on each person’s expertise and insight. Such a tool is known as a ‘boundary object’, a term from the academic field of technology studies. What sort of boundary object could foster effective dialogue about key decisions for the Hunter?

The Hunter Research Foundation (HRF) Centre at the University of Newcastle has been creating such boundary objects for years. They are embodied in results from its quarterly Pulse surveys and analysis of other key social and economic indicators.

We are making them easier to access and use. We will be drawing on results of a $2million research effort addressing the changes in Queensland’s Darling Downs agricultural area due to $40billion in onshore natural gas development. This work was funded by the coal seam gas industry and the University of Queensland (UQ).

My team at UQ sought to develop a boundary object that stakeholders in different sectors would find meaningful and revealing. We had people from the communities, government, and industry prioritise a small set of social and economic indicators.

The research produced the Boomtown Toolkit. It was employed to create an annual report on trends in these socioeconomic indicators measured over 15 years.

Even just a single indicator – the rent on a three-bedroom house – helps us to understand the ‘system dynamics’ underlying a boom-bust-recovery cycle. The small set of indicators agreed on have helped to stimulate a shift in the regional conversation to address the distribution of benefits and burdens.

The HRF Centre is working on Hunter indicators. The priority indicators – e.g. population, primary school enrolment, mobile phone volumes, employment – would be selected by key stakeholders from the community. The data would then be ‘ground-truthed’ via local interviews, which can explain cause-and-effect relationships.

These Hunter indicators would be accessible on phones or laptops. They could de-mythologise debates about the region’s future and potentially attract more strategic investment. This sort of inclusive boundary object can help to put different parties ‘on the same page’.

For the complete New Professors Talk, visithrf苏州夜总会招聘.au/news-events/events

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For blacksmith Robert Everingham, soot, sweat and searing heat is just another day in the office. While his skills and processes are of the traditional European method, his aesthetic, he says, is distinctly his own.
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“I do a good share of traditional work, but am more contemporary in style,” says Everingham. “My key inspiration is nature and its fluidity. It makes for an interesting contrast with the materials I work with. It can be challenging to soften steel and give it an elegant flow.”

Working as a blacksmith for nearly 20 years, Everingham founded his eponymous business, Ironfist by Robert Everingham, in 2001.

“I trained in Sydney under Swiss blacksmith, Hans Schappi, learning the numerous forging techniques you require to become a blacksmith, as well as the fundamentals like welding and fabrication,” he says.

Working from his studio in Brisbane’s south side, Everingham’s team has swelled to five.

“The project sizes and workload have increased,” he says. “We work with private clients, architects and companies to create custom-made pieces, from small to substantial, like the ironwork for St Johns Anglican Cathedral in Brisbane. Each piece is different and extremely time-consuming, and can take weeks to go from design through to completion.”

Everingham’s process begins with a design brief, and is followed by multiple sketches before the forging and manufacturing process can begin. “Forging is very much a process of heating and hammering, and then reheating and hammering again,” he says. “We repeat the process until the desired effect is achieved.”

Raised in country Queensland, Everingham is the only son of a creative family that includes an artist and two jewellers. He is, not surprisingly, innately artistic. “A good eye is an asset in this job,” he says. “The forging process relies on it because you need to be able to visualise your end product. It can be a game of patience.” Related: ‘s ceramicists taking the industry by stormRelated: The latest retro trend making a comebackRelated: The biggest trends from Denfair 2017

Everingham says that while some consider blacksmithing a dying art, he senses a revival.

“There are not many of us around,” he says, “but there are still people out there who are interested, even at a hobby level. The attraction I think, is that it is an art often perceived as quite romantic – the heat of the forge and working on an anvil to create something unique and beautiful.”

Along with other traditional arts, like ceramics, weaving and woodwork, sustainability has assisted in reinstating and modernising the art of blacksmithing.

“It is very much a renewable art form,” he says. “We restore vintage wrought iron rather than replace it, and recycle old steel. Wrought iron is a very robust product and if it is done well, outlasts most other materials.”

Putting yesteryear’s nuts, bolts and horseshoes aside, today’s blacksmith crafts far sexier objects. Residential and urban art sculpture, architectural wrought iron gates, leggy coffee tables, curvy candelabra, and Argentinian barbecues are just some of Everingham’s commissions.

“Each design is functional art,” he says. “It is one of the few trades that still use the same techniques that have been used for hundreds of years to create a product by hand. There are no pre-forged components in my work. You can’t replicate the hand working with machines. Every piece, regardless of what it is, is an original and one-off.”

So how are the burns? “Thankfully there are not many,” he says. “Certainly no serious ones. I’ve always said if you are burning yourself too often, you are probably in the wrong game.”

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Prime Minister Malcolm Turnbull addresses the media during a doorstop interview at Parliament House in Canberra on Wednesday 18 October 2017. fedpol Photo: Alex Ellinghausen Attorney-General Senator George Brandis during Senate estimate hearings at Parliament House Canberra on Tuesday 24 October 2017. Fedpol. Photo: Andrew Meares
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Senator Eric Abetz during Senate estimate hearings at Parliament House Canberra on Tuesday 24 October 2017. Fedpol. Photo: Andrew Meares

Treasurer Scott Morrison addresses a CEDA conference at Parliament House in Canberra on Tuesday 24 October 2017. fedpol Photo: Alex Ellinghausen

Treasurer Scott Morrison addresses a CEDA conference at Parliament House in Canberra on Tuesday 24 October 2017. fedpol Photo: Alex Ellinghausen

Emeritus Professor Rosalind Croucher during Senate estimate hearings at Parliament House Canberra on Tuesday 24 October 2017. Fedpol. Photo: Andrew Meares

Emeritus Professor Rosalind Croucher during Senate estimate hearings at Parliament House Canberra on Tuesday 24 October 2017. Fedpol. Photo: Andrew Meares

Emeritus Professor Rosalind Croucher with Attorney-General Senator George Brandis during Senate estimate hearings at Parliament House Canberra on Tuesday 24 October 2017. Fedpol. Photo: Andrew Meares

The High Court will consider the eligilbility under Section 44 of the Constition for politicians (anti-clockwise from top left) Barnaby Joyce, Fiona Nash, Matt Canavan, Nick Xenophon, Malcolm Roberts, Larissa Waters and Scott Ludlam. Montage created 9 October 2017.

Deputy Prime Minister Barnaby Joyce departs question time at Parliament House Canberra on Thursday 19 October 2017. Fedpol. Photo: Andrew Meares

Senator Malcolm Roberts during a Senate estimates hearing at Parliament House in Canberra on Tuesday 24 October 2017. fedpol Photo: Alex Ellinghausen

Greens Senator Larissa Waters reacts as she announces her resignation in Brisbane, Tuesday, July 18, 2017. Ms Waters resigned as a result of her dual n-Canadian citizenship. (AAP Image/Dan Peled) NO ARCHIVING

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It seems those summoning spells from localHarryPotterfans have paid off – hit stage playHarry Potter and the Cursed Childis coming to .
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The show’s producers announced on Tuesday the play will run exclusively at Melbourne’s Princess Theatre in early 2019.

Harry Potter and the Cursed Child is coming to Melbourne in 2019. Photo: Supplied

“You can’t ever assume a new play is going to have a further life, but we knew that ifHarry Potter and the Cursed Childdid have a life beyond London and Broadway, that the next stop would be [],” producers Sonia Friedman and Colin Callender said in a statement.

n producer Michael Cassel, who has had hits locally with the tour ofKinky Bootsand the production ofBeautiful: The Carole King Musicalcurrently playing in Sydney, will executive produce the show locally.

The play –based on an original story by JK Rowling, playwright Jack Thorne and director John Tiffany, and featuring music by Grammy winnerImogen Heap– had its premiere on London’s West End in July 2016, selling out inhours. It’s had a sold-out run ever since.

It also broke records at this year’s Laurence Olivier Awards, scooping up nine awards amongst its cast, as well as Best New Play and Best Director.

A Broadway adaptation is set to open in New York in April 2018.

The eighth instalment in Rowling’sHarry Pottersaga, the play is set 19 years after the end of the last novelHarry Potter and the Deathly Hallows, and follows Potter as a married husband of three.

Jamie Parker as Harry Potter in The Cursed Child. Photo: Supplied

Victorian Premier Daniel Andrews described the announcement as a coup for Melbourne.

“To secure a production of this calibre is a testament to Melbourne’s standing as an arts and cultural capital and leading global city for theatre,” he said.

Performance dates are set to be announced soon, the producers said.

The play will be the latest stage hit to open in Melbourne, following this year’ssuccessful run of Tony-winning musicalThe Book of Mormon(it opens in Sydney in February), and ongoing tour rumours overBroadway hitHamilton.

The Age

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???I’m loving the flurry of attention – and innovation – being given to round-ups.
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It began with the Acorns “fractional” investment app, which collects your virtual “loose change” and almost immediately funnels it into a diversified portfolio of your choice. The concept is now being applied to some banks’ ordinary transaction and savings accounts (for example, your everyday purchases may get rounded up and that money squirreled into your savings account) and even by a superannuation fund.

This is inconspicuous and unobtrusive future-proofing ??? because micro-saving and, in particular, micro-investing has maximum bearing on your life. Just $6 a day invested at 8 per cent from age 20 will make you a millionaire at 65. Better still, only about $100,000 will have come out of your pocket; nearly $900,000 will be “free” investment returns.

Wait 20 years to start, though, and you’ll need to find $35 a day (and save more than $300,000 yourself).

Round-up apps and features make saving automatic and therefore, psychologically, pretty pain-free.

But there are ways to use similar mind tricks, without waiting for the next bells-and-whistles product, to pay down your mortgage quickly and easily – and save a fortune. Trick 1: “Round up” your repayment

If you’re like most people, a set amount is whisked out of your account each month for the mortgage. Say you’re the average Aussie with an average $369,600 home loan on an average 5 per cent interest rate (of course you should be paying less). Your required monthly repayments are $2161 but without too much discomfort to your brain or budget, you could round that up to $2200 ??? and save more than $11,000 and get out of debt nearly a year early.

Just be sure to re-set your direct debit so there’s never any active deliberation.

By the way, never adjust your mortgage repayments down. You’ve already got your head – and your hip pocket – around that level of repayment. If the minimum falls, you’re making a “bonus” overpayment that will save you significant money and time. Trick 2: Make your repayments more frequently

You may never have given thanks for our Gregorian calendar. But you should start, because you can use it to make an extra repayment every year and barely notice.

Although there are 12 months in a year, there are not double that number of fortnights, 24, but 26. So if you very simply makehalfyour required monthly repayments instead fortnightly, you’ll be ahead by a full month. Don’t ask your lender, whatever you do, to simply switch your repayments to fortnightly – they will adjust the amount so that you’re in debt the full 25 or 30 years and so pay them the full whack of interest. You need to figure out yourself what is half, and then simply establish that direct debit.

On our model mortgage, above, the saving from repaying $1081 fortnightly versus $2161 monthly, is almost $45,000 and debt freedom 3.5 years early.

This works if weekly repayments better suit your pay cycle, too. There are not (12 x 4) 48 weeks in a year – but 52. So if you make one quarter of your required monthly repayments weekly, you’ll also be ahead a full month. Trick 3: Use every dollar twice

A magic little Aussie invention called an offset account lets you use every dollar twice. A savings account that runs parallel to your mortgage, it nets off 100 per cent off any money you have in it against your home loan balance. So if you have a $100,000 mortgage and $5000 in an offset, you’ll pay interest only on $95,000.

You might have separate savings for a holiday, for your next car, for kids’ school fees ??? you should instead be putting every single dollar – which you get to keep – in an offset account. That way you get to use it for its intended purposeandto save dramatic interest.

Let’s assume you have the average mortgage and an average of $10,000 sitting in your offset. You’ll save more than $22,000 in interest, and almost a year and a half.

You could also take this to a higher level by getting your salary/ies paid in and using a credit card for all your expenses, shifting the money out only when your credit card bill is due each month. At which point more salary should go in ??? Trick 4: Make it a race

n interest rates are at all-time lows so, now, you have a once-in-a-lifetime chance to repay your debt cheaper and faster than ever before. Do so at an average 7 per cent rate and the total cost of your average house will be $784,000. Do so at 5 per cent and that falls by about $200,000 to $585,000. And you save even more when you repay extra … even if you trick yourself into it!

Nicole Pedersen-McKinnon is a commentator and educator who presents her Smart Money Start, fun financial literacy incursion, in high schools around . Follow Nicole on Facebook.

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Live long and prosper, they say – though it would seem like a more accurate statement to say, “Prosper, and live long.” Taking a glance at the countries around the world with the longest life expectancy, it’s pretty obvious that money might not buy love, but it can buy you a much longer time to have a shot at it.
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The citizens of Monaco, one of the richest countries on Earth, have a life expectancy of 89 years. That’s four years longer than their closest rivals, and those rivals come in the form of Japan and Singapore – not exactly places where people are struggling financially.

Still, there’s more to a long life than simply earning a heap of money. For travellers, it can be an interesting experience visiting those destinations where people have a long life expectancy to see what it is that keeps everyone so healthy, and to soak up a little of that goodness for yourself.

Is it the food? The lifestyle? The relationships? The medical care? And is it something you can learn from and take home with you? Italy

If ever there was an advertisement for lifestyle over financial gain, it would be Italy. According to the CIA World Factbook (which all of these stats are taken from), the life expectancy of a newborn in Italy right now is 82 years, which puts the country right up there with the best of them – one position, in fact, above . Visit Italy and you’ll see what keeps people hanging around so long: the focus on family and friends, on sitting down for a long lunch of excellent food instead of going to work for 12 hours a day, on balancing the necessities with the things you really enjoy. South Korea

The life expectancy in South Korea is skyrocketing – it’s expected to be up beyond 90 years by 2030. So what are they doing so well? It’s probably not diet, or so you would think after witnessing the Koreans’ passion for fried chicken and beer. It’s probably not lifestyle, either, given the long hours Koreans put in at the office. In fact, the longevity here is popularly attributed to excellent healthcare, and a love of vitamin-rich kimchi. Israel

You might expect that living in an area of such high tension as Israel would cause people’s lives to be cut short – but you would be wrong. Israelis can now expect to hit the ripe old age of 82, something many of the locals put down to the strong sense of family and community that most Israelis have, as people band together in times of difficulty. A good healthcare system and a Mediterranean climate also help. Switzerland

Photo: Shutterstock

It would come as no surprise to anyone who’s visited Switzerland to discover that the life expectancy is high there. At 82.6 years it’s the ninth highest in the world, and no wonder: Switzerland is not just a prosperous country, but a peaceful one, a clean one, and a beautiful one. It’s a well organised society where very little ever seems to go wrong. No wonder people hang around to enjoy it. Hong Kong

Here’s an interesting one. The common assumption is that big cities and polluted skies are not conducive to long life, but here you have a densely populated and, in some cases, fairly dirty place where people are expected to live past 82. Much of Hong Kong’s success is put down to diet, with plenty of fresh seafood and vegetable-heavy soups, as well as low consumption of hard alcohol, and a very low smoking rate. That’s good news for travellers: eat as much as you like. Iceland

Could stinky, fermented shark meat be the secret to a long life? Some in Iceland would have you believe so, crediting their seafood-heavy diet – including the national “delicacy”, hakarl – for their life expectancy of 83 years. Visitors to this island nation would probably also credit the clean air, the low population, and the general prosperity, while geneticists also point to the Iceland population’s strong genes. Which is good news: you can give the hakarl a miss. Macau

The tiny nation of Macau shares many of its cultural traits with nearby Hong Kong, which probably explains the similarly long life expectancy. At 84 years, however, the residents of Macau do have the edge. What’s their secret? Surely it isn’t legal gambling. My feeling is that it’s probably the addition to their diet of Portuguese tarts. Japan

Photo: Shutterstock

Japan has long been famous for the lifespan of its residents, with stats propped up by the phenomenal longevity of those in the islands of Okinawa, where the average expectancy is 87 years, and plenty make it into triple figures. It’s the Okinawa diet that’s often cited as the reason they live so long – plenty of seafood and vegetables – however, for the rest of the country it’s not only the fresh, healthy cuisine, but also plenty of exercise, and time set aside for socialising. That’s something even visitors can enjoy. Singapore

Singaporeans are wealthy, and they also live in one of the cleanest, safest and most strictly ordered societies on the planet – all of which contributes to a life expectancy above 85. Of course when you’re there you notice both the up sides and the down sides of the Singaporean model. Yes, it’s orderly and safe, but the rules can feel just a little constricting. Many would argue, however, that that’s a reasonable trade-off. Monaco

There’s little to be learned, unfortunately, from the country with the world’s longest life expectancy. The good citizens of Monaco can expect to reach the ripe old age of 89, thanks in large part to predictable factors such as being one of the wealthiest places on the planet, and having – despite the fact no one pays income tax – an excellent healthcare system and good social services. It would appear that in Monaco, neither death nor taxes are inevitable.

Have you visited any of the countries with the longest life expectancy? What do you think we can learn from them?

Email: [email protected]苏州夜总会招聘.au

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See also: The world’s best places to retire to

See also: The top 10 best destinations of the decade namedLISTEN: Flight of Fancy – the Traveller苏州夜总会招聘.au podcast with Ben Groundwater

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At your service: Barista Chris Woodgers at Fort Whiskey Espresso’s window. Picture: Marina NeilFort Whiskey Espresso, Evatt Chambers Building, 380 Hunter St, Newcastle, Mon-Fri 7am-1pm.
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As unusual as this might sound, the best way to gain an insight into how the coffee scene in Newcastle looks in the present is to step into a space steeped entirely in the past. At the foot of a staircase to a criminal law chambers, behind a wall of wooden framed mugshots of waist-coated gangsters, Fort Whiskey Espresso does not only dress up like a prohibition bootlegger, it serves drinks like one too.

Steaming up his milk inside the speakeasy bar the Coal & Cedar and handing out coffee and toasties through anopen window, barista Chris Woodgers is cosily hidden from pedestrian traffic -it may take you a second to spot him. When he appeared from behind the coffee machine on the morning of my visit, I felt like I had finally found the coffee brewing fugitive – that charming and elusive character that is hard to catch but easy to like. As if the mobsters on the wall, the advocate upstairs and the courthouse across the road weren’t enough, Chris even serves coffee to an adjacent barbershop named The Alibi Room.

Behind the Fort Whiskey window is an more interesting story about how an ex-Bacchus and Coal & Cedar barmancame to find himself here in the first place. His café is not a hole in the wall but a window in somebody else’s wall. He is all about opportunistic cheekiness and good timing. So much about what Chris has done in here embodies what is unique about the Novocastrian coffee culture. Chris is proof that abig budget and a brand new interior has never meant less to making a quality cup of coffee.

It is not often that a barista uses a blend from Sydney roasters Single Origin and then goes looking for something better, but that is exactly what Chris has recently done at Fort Whiskey. After enlisting the services of local roaster Nick Tarrant, Chris now grinds a Colombian and Brazilian blend with dark chocolatey, rum and molasses notes.

Fort Whiskey isabout in-and-out convenience. Order a banana bread ($4) or a toasted melt of salty prosciutto, tomato and cheese ($10 with a large coffee). Pungent short blacks ($3) go down a treat. Strong, reliable and difficult to fault -like all good alibis.

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The information of stocks that lost in prices are displayed on an electronic board inside the n Securities Exchange, operated by ASX Ltd., in Sydney, , on Friday, July 24, 2015. The n dollar slumped last week as a gauge of Chinese manufacturing unexpectedly contracted, aggravating the impact of declines in copper and iron ore prices. Photographer: Brendon Thorne/Bloomberg MARKETS. 7 JUNE 2011. AFR PIC BY PETER BRAIG. STOCK EXCHANGE, SYDNEY, STOCKS. GENERIC PIC. ASX. STOCKMARKET. MARKET.
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Stock information is displayed on an electronic board inside the n Securities Exchange, operated by ASX Ltd., in Sydney, , on Friday, July 24, 2015. The n dollar slumped last week as a gauge of Chinese manufacturing unexpectedly contracted, aggravating the impact of declines in copper and iron ore prices. Photographer: Brendon Thorne/Bloomberg

It’s was all quiet on the Western Front in European and US trade and a pause after what has been such a strong run for global equity and credit markets. The long and short of it

Whether the gains can continue this week is obviously yet to be seen. I remain bullish, but of the view that these markets are tired, fatigued and need new information to feed the beast. So much cash has come off the sidelines, with one US investment bank recently disclosing that its institutional clients have never held a lower cash balance in the bank’s account, which suggests both active discretionary and systematic funds are all-in on this rally. The idea of reflation and this well-documented goldilocks backdrop for equity appreciation and risk-taking is now mature, with investors having reacted to good economic growth (75 per cent of countries enjoy above-trend GDP), robust earnings growth, fairly low inflation and predictably central bank policy, which is helping keep implied and realised volatility low. SPI futures down 7 points or 0.1% to 5868AUD -0.2% to 78.01 US centsOn Wall St: Dow -0.2%, S&P 500 -0.3%, Nasdaq -0.6%In New York, BHP -0.1% Rio -0.7%In Europe: Stoxx 50 +0.1%, FTSE flat, CAC +0.3%, DAX +0.1%Spot gold flat at $US1280.16 an ounceBrent crude -0.6% at $US57.39 a barrelUS oil flat at $US51.86 a barrelIron ore -0.7% to $US62.00 a tonneDalian iron ore +0.2% to 460 yuanLME aluminium +0.1% to $US2137 a tonneLME copper +0.8% to $US7004 a tonne10-year bond yield: US 2.37%, Germany 0.43%, 2.79%

This column was produced in commercial partnership between Fairfax Media and IG

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Facebook shuts down Bendigo ‘no’ campaign Picture: FACEBOOK
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Image, complete with authorisation, posted after the page was reopened to n audiences. Picture: FACEBOOK/VOTE NO AUSTALIA

Lewis Freeman-Harrison. Picture: FACEBOOK/VOTE NO AUSTALIA

TweetFacebookA Bendigo-based campaign against marriage equality has been temporarily banned from Facebook after failing to comply withnew laws designed to ward off hate speech.

The n Electoral Commission referred Vote No – Marriage Plebiscite to Facebook after receiving several complaints about its lack of authorisation.

Safeguards legislation passed in federal parliament last month required some advertisements, printed material, and “material intended to affect whether a person provides a response to the survey or the content of the response” bear the name and address of the person responsible.

A Facebook spokesman said Vote No administrators were contacted on several occasions to amend their page before the restriction was put in place.

Almost 20,000 Facebook users followed the page when its n audience was locked out.

Until the ban was lifted on Monday afternoon, users were met with an error message explaining the page could not be viewed because it violated local laws.

The page remained visible to Facebook users overseas.

Page manager Lewis Freeman-Harrison, from Bendigo, said he complied with Facebook’s request to authorise its material, and did not understand why n users were declined access.

The shutdown was a “breech of freedom of speech”, he said.

“I think it’s really important that every person has freedom of speech and, sadly, we were taken down.”

The Facebook spokesman said the social network sought to reflect the diversity of views held by its two billion users. But local laws, as well as user safety, meant content could be blocked.

“When a regulator notifies Facebook that some content may be illegal in their country we look at each request to ensure that it is valid and enforceable before taking any action,” the spokesman said.

A government order, as well as complaints from individuals and non-government bodies, could result in access to its content being restricted, the Facebook website explained.

AEC confirmed yesterday is sought assistance from Facebook to make aware Vote No organisers of their responsibilities.

“It was then a matter for Facebook, whether they could contact the page owner or block the page,” an AEC spokesman said.

When the page was made visible again to ns on Monday, a picture authorised by Aaron Haywood, from Tasmania, could be seen.

Speaking while the Vote No was inaccessible, marriage equality campaigner Tash Joyce – who authorises the Bendigo Says Yes page – said authorisation was a simple but crucial part of campaigning.

“It’s about transparency and we have always been transparent about who we are and what we stand for,” Ms Joyce said.

But responsibility for the page’s contents did not stop there, she said; strict moderation took place throughout the campaign to protect Facebook users.

”It takes time and effort to manage, but it is possible to ensure that page content remains respectful and does not cause harm or distress to others,” she said.

“I can’t imagine there would be any material published on the page for anyone to have made a complaint about.”

Mr Freeman-Harrison is not the only Bendigo connection to the Vote No effort. Church leader Samuel Tshisekedi is also among the page’s administrators, soliciting for donations in messages to Vote No followers.

He is also one of a group of people responsible for driving a billboard in support of traditional marriage across Victoria and NSW.

Bendigo Advertiser

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BIG THUMPER: Thor’s hammer, Mjolnir, will make an appearance in the newly released film, Thor Ragnarok, which prompts us to ask – What’s your favourite hammer? #ShowYourHammerONE of the biggest movies of the year opens this week with ThorRagnorok coming to n cinemas on October 26.
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It’s the third film for Marvel’s Thor, played by Aussie Chris Hemsworth, and directed by New Zealander,Taika Waititi.

Chris Hemsworth as Thor, holding his preferred tool of the trade, a hammer. #ShowYourHammer Picture courtesy Paramount Pictures.

The film has been generating generally positive reviews and considerable review at its overseas openings and most movie analysts are expecting it to do the same here.

What’s it got to do with rural industry? Well, nothing really… except that Thor has a hammer, and that seemed like enough of an excuse to celebrate the movie’s launch by putting a call out to farmers and producers to“Show Your Hammer”.

Every shed and workshop has a hammer–sledge, claw, ball pein, club, plus rubber and wooden mallets (they classify)and so on.

Thor fans, take a pic and #ShowYourHammer Good Fruit & Vegetable’s editor Ashley Walmsley gets into the spirit of Thor Ragnarok, minus the Chris Hemsworth good-looks. #ShowYourHammer

A great generic shot of someone (probably a man) with a hammer. #ShowYourHammer

Hammer time, you’re honour. If you’re a judge and you’re reading this, please post a photo of you wielding a similar hammer. #ShowYourHammer

Yep, that’s a hammer on the right, for sure. #ShowYourHammer

This isn’t Thor on his day job, however he seems pretty adept at using a hammer. Could he also summon thunder? Who knows. #ShowYourHammer

Sometimes all you need is a good sledge hammer. #ShowYourHammer

Here is a hammer in action. #ShowYourHammer

It’s not going to drive in any nails but an auctioneer’s hammer can sure have some impact, especially on the housing market. #ShowYourHammer

Again, Thor’s hammer, Mjolnir, this time with a bit of a crack in it. What could that mean? #ShowYourHammer

A hammer with creative lighting always goes down well. #ShowYourHammer

TweetFacebook #ShowYourHammer GalleryDo your best Thor pose and show off your hammer!So take a photo of yourself or someone holding aloft your favourite, best or interesting hammer in a suitable Thor-like pose and post to social media with the hashtag– #ShowYourHammer.

Come on–be proud of your hammer. #ShowYourHammer

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