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Should you feel obliged to pay your partner’s rent?

<p dir="ltr">A woman has taken to <a href="https://www.reddit.com/r/relationships/comments/taeyri/should_i_help_my_bf_pay_his_rent_to_avoid_eviction/" target="_blank" rel="noopener">Reddit</a> to ask whether or not she should pay $3,000 for her boyfriend’s rent to avoid him being evicted. </p> <p dir="ltr">In her post, the woman says she has been dating her partner for a year and that he lost his job in August. </p> <p dir="ltr">Since then, he had been working odd part-time jobs to help pay the bills on the home he shares with two others. </p> <p dir="ltr">The woman’s way of helping was paying for “everything” on their dates before realising he may have been taking advantage of her. </p> <p dir="ltr">“I was okay with it at first, but seeing him get a little too comfortable made me have a conversation with him a few weeks ago about it,” she wrote. </p> <p dir="ltr">Miraculously, a few days after the chat, her boyfriend was hired full-time in a higher-paying job.</p> <p dir="ltr">“He’s working to get his bank account out of the negatives and catch up on bills.” </p> <p dir="ltr">She also revealed that the trio have to front court to avoid eviction for being so far behind in their rent. </p> <p dir="ltr">“Truthfully, I am conflicted. That’s a large sum of money, but I care about him and don’t want him to be evicted.” </p> <p dir="ltr">The woman wanted to also clarify that her partner was not asking for help – but neither was he opposed to her offer. </p> <p dir="ltr">Reddit users shared their opinions on the matter, with many saying she shouldn’t help her partner. </p> <p dir="ltr">“Are you comfortable with the idea of never seeing that $3000 ever again? Moreover, have the other two guys fixed the fact they can't come up with rent money?” one wrote. </p> <p dir="ltr">“I'm erring towards a no on this one. If your BF gets evicted, perhaps you can help him find a new place....but being involved in the finances of 3 grown men that can't pay rent sounds like a quick and painful way to ruin a relationship AND flush 3 grand down a toilet.”</p> <p dir="ltr">“Only ‘lend’ him the money if you're OK with not getting it back. Never lend money you can't afford to lose. Also don't let him move in with you, he sounds like a bad financial risk,” another commented.</p> <p dir="ltr">“Do. Not. Help. He was getting too comfortable and only got his sh*t together following a conversation about it,” another advised. </p> <p dir="ltr"><em>Image: Shutterstock</em></p>

Relationships

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Spotify’s response to Rogan-gate falls short of its ethical and editorial obligations

<p>Audio streaming giant <a href="https://www.spotify.com/au/" target="_blank" rel="noopener">Spotify</a> is getting a crash course in the tension between free speech and the need to protect the public from harmful misinformation.</p><p>The Swedish-founded platform, which has 400 million active users, has faced a hail of criticism over misinformation broadcast on its <a href="https://variety.com/2021/digital/news/joe-rogan-experience-most-popular-podcast-news-roundup-1235123361/" target="_blank" rel="noopener">most popular podcast</a>, the Joe Rogan Experience.</p><p>Rogan, a former ultimate fighting commentator and television presenter, has <a href="https://variety.com/2021/digital/news/joe-rogan-anti-vaccine-podcast-spotify-1234961803/" target="_blank" rel="noopener">argued</a> healthy young people should not get a COVID vaccination. This is contrary to medical advice from governments all over the world, not to mention the <a href="https://www.who.int/emergencies/diseases/novel-coronavirus-2019/covid-19-vaccines/advice" target="_blank" rel="noopener">World Health Organization</a>.</p><p>A recent episode of his podcast, featuring virologist Robert Malone, drew <a href="https://www.theguardian.com/technology/2022/jan/14/spotify-joe-rogan-podcast-open-letter" target="_blank" rel="noopener">criticism from public health experts</a> over its various conspiracist claims about COVID vaccination programs.</p><p>There were widespread calls for Spotify to deplatform Rogan and his interviewees. Rock legend Neil Young issued an ultimatum that Spotify could broadcast Rogan or Young, but not both.</p><p>Spotify made its choice: the Joe Rogan Experience is still on the air, while Young’s <a href="https://www.theguardian.com/commentisfree/2022/jan/28/joe-rogan-neil-young-spotify-streaming-service" target="_blank" rel="noopener">music</a> is gone, along with <a href="https://www.abc.net.au/news/2022-01-29/joni-mitchell-take-songs-off-spotify-solidarity-with-neil-young/100790200" target="_blank" rel="noopener">Joni Mitchell</a> and <a href="https://www.rollingstone.com/music/music-news/nils-lofgren-spotify-neil-young-1292480/" target="_blank" rel="noopener">Nils Lofgren</a>, who removed their content in solidarity.</p><p><strong>Spotify’s response</strong></p><p>Spotify co-founder Daniel Ek has since <a href="https://newsroom.spotify.com/2022-01-30/spotifys-platform-rules-and-approach-to-covid-19/" target="_blank" rel="noopener">promised</a> to tag controversial COVID-related content with links to a “hub” containing trustworthy information. But he stopped short of pledging to remove misinformation outright.</p><p>In a statement, Ek <a href="https://newsroom.spotify.com/2022-01-30/spotifys-platform-rules-and-approach-to-covid-19/" target="_blank" rel="noopener">said</a>:</p><blockquote><p>We know we have a critical role to play in supporting creator expression while balancing it with the safety of our users. In that role, it is important to me that we don’t take on the position of being content censor while also making sure that there are rules in place and consequences for those who violate them.</p></blockquote><p><strong>Does it go far enough?</strong></p><p>Freedom of expression is important, but so is prevention of harm. When what is being advocated is likely to cause harm or loss of life, a line has been crossed. Spotify has a moral obligation to restrict speech that damages the public interest.</p><p>In response to the controversy, Spotify also publicly shared its <a href="https://newsroom.spotify.com/2022-01-30/spotify-platform-rules/" target="_blank" rel="noopener">rules of engagement</a>. They are comprehensive and proactive in helping to make content creators aware of the lines that must not be crossed, while allowing for freedom of expression within these constraints.  </p><p>Has Spotify fulfilled its duty of care to customers? If it applies the rules as stated, provides listeners with links to trustworthy information, and refuses to let controversial yet profitable content creators off the hook, this is certainly a move in the right direction.</p><p><strong>Platform or publisher?</strong></p><p>At the crux of the problem is the question of whether social media providers are <a href="https://socialmediahq.com/if-social-media-companies-are-publishers-and-not-platforms-that-changes-everything/" target="_blank" rel="noopener">platforms or publishers</a>.</p><p>Spotify and other Big Tech players claim they are simply providing a platform for people’s opinions. But <a href="https://www.zdnet.com/article/scott-morrison-says-social-media-platforms-are-publishers-if-unwilling-to-identify-users/" target="_blank" rel="noopener">regulators</a> are beginning to say no, they are in fact publishers of information, and like any publisher must be accountable for their content.</p><figure class="align-center "><img src="https://images.theconversation.com/files/443600/original/file-20220201-19-1kyj1oy.jpg?ixlib=rb-1.1.0&amp;q=45&amp;auto=format&amp;w=754&amp;fit=clip" alt="Logos of big tech platforms" /><figcaption><span class="caption">Tech platforms like to claim they’re not publishers.</span> <span class="attribution"><span class="source">Pixabay</span>, <a class="license" href="http://creativecommons.org/licenses/by/4.0/" target="_blank" rel="noopener">CC BY</a></span></figcaption></figure><p>Facebook, YouTube, Twitter and other platforms <a href="https://www.brookings.edu/blog/techtank/2021/06/01/addressing-big-techs-power-over-speech/" target="_blank" rel="noopener">have significant power</a> to promote particular views and limit others, thereby influencing millions or even <a href="https://www.statista.com/statistics/264810/number-of-monthly-active-facebook-users-worldwide/#:%7E:text=How%20many%20users%20does%20Facebook,the%20biggest%20social%20network%20worldwide." target="_blank" rel="noopener">billions</a> of users.</p><p>In the United States, these platforms have immunity from civil and criminal liability under a <a href="https://www.eff.org/issues/cda230" target="_blank" rel="noopener">1996 federal law</a> that shields them from liability as sites that host user-generated content. Being US corporations, their actions are primarily based on US legislation.</p><p>It is an ingenious business model that allows Facebook, for example, to turn a steady stream of free user-posted content into <a href="https://www.statista.com/statistics/277963/facebooks-quarterly-global-revenue-by-segment/" target="_blank" rel="noopener">US$28 billion in quarterly advertising revenue</a>.</p><p>Established newspapers and magazines also sell advertising, but they pay journalists to write content and are legally liable for what they publish. It’s little wonder they are <a href="https://www.theguardian.com/commentisfree/2020/apr/24/newspapers-journalists-coronavirus-press-democracy" target="_blank" rel="noopener">struggling</a> to survive, and little wonder the tech platforms are keen to avoid similar responsibilities.</p><p>But the fact is that social media companies do make editorial decisions about what appears on their platforms. So it is not morally defensible to hide behind the legal protections afforded to them as platforms, when they operate as publishers and reap considerable profits by doing so.</p><p><strong>How best to combat misinformation?</strong></p><p>Misinformation in the form of fake news, intentional disinformation and misinformed opinion has become a crucial issue for democratic systems around the world. How to combat this influence without compromising democratic values and free speech?</p><p>One way is to cultivate “news literacy” – an ability to discern misinformation. This can be done by making a practice of sampling news from across the political spectrum, then averaging out the message to the moderate middle. Most of us confine ourselves to the echo chamber of our preferred source, avoiding contrary opinions as we go.</p><p>If you are not sampling at least three reputable sources, you’re not getting the full picture. Here are the <a href="https://libguides.ucmerced.edu/news/reputable" target="_blank" rel="noopener">characteristics</a> of a reputable news source.</p><p>Social media, meanwhile, should invest in artificial intelligence (AI) tools to sift the deluge of real-time content and flag potential fake news. Some progress in this area has been made, but there is room for improvement.</p><p>The tide is turning for the big social media companies. Governments around the world are formulating laws that will oblige them to be more responsible for the content they publish. They won’t have long to wait.<!-- Below is The Conversation's page counter tag. Please DO NOT REMOVE. --><img style="border: none !important;margin: 0 !important;max-height: 1px !important;max-width: 1px !important;min-height: 1px !important;min-width: 1px !important;padding: 0 !important" src="https://counter.theconversation.com/content/176022/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /><!-- End of code. If you don't see any code above, please get new code from the Advanced tab after you click the republish button. The page counter does not collect any personal data. More info: https://theconversation.com/republishing-guidelines --></p><p><em><a href="https://theconversation.com/profiles/david-tuffley-13731" target="_blank" rel="noopener">David Tuffley</a>, Senior Lecturer in Applied Ethics &amp; CyberSecurity, <a href="https://theconversation.com/institutions/griffith-university-828" target="_blank" rel="noopener">Griffith University</a></em></p><p><em>This article is republished from <a href="https://theconversation.com" target="_blank" rel="noopener">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/spotifys-response-to-rogan-gate-falls-short-of-its-ethical-and-editorial-obligations-176022" target="_blank" rel="noopener">original article</a>.</em></p><p><em>Image: Getty Images</em></p>

Technology

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What happens when you free unemployed Australians from ‘mutual obligations’ and boost their benefits? We just found out

<div class="grid-ten large-grid-nine grid-last content-body content entry-content instapaper_body inline-promos"> <p>During COVID-19 the government ran what turned out to be a giant real-world experiment into what happens when you boost someone’s unemployment benefits and free them of the “mutual obligation” to apply for jobs.</p> <p>On April 27 2020 the government as good as doubled the $565.70 per fortnight JobSeeker payment, lifting it by $550 per fortnight for what turned out to be six months. In September the boost dropped to $250 per fortnight, and in December to $150 per fortnight.</p> <p>Next Thursday the boost vanishes, although the base rate of JobSeeker will climb by a less-than substantial $50 a fortnight, leaving recipients $100 a fortnight worse off than they have been, $500 per fortnight worse off than back when JobSeeker doubled and back well below the poverty line.</p> <p>From Thursday April 1 they will also be subject to much more demanding work tests, having to show they have applied for a minimum of 15 jobs a month, climbing to 20 jobs a month from July 1.</p> <p>On top of that the government has announced:</p> <ul> <li> <p>a return to compulsory face-to-face meetings with Jobactive providers</p> </li> <li> <p>work-for-the-dole after six months of unemployment</p> </li> <li> <p>a dob-in line for employers to report jobseekers who seem not to be genuine</p> </li> <li> <p>increased auditing of job applications to ensure they are legitimate</p> </li> </ul> <p>They are the sort of “mutual obligations” that were scrapped while JobSeeker was doubled.</p> <p>Yet the government’s natural experiment where they doubled benefits and freed recipients of “mutual obligations” provides us with an opportunity to examine how a more generous approach affected recipients and whether, as the government says, a tougher approach is needed in order to compel people to work.</p> <p>During last year’s more generous approach, we conducted an online survey of JobSeeker recipients and found that (contrary to what appears to be the government’s expectation), it was helping get people into work.</p> <p>Freed of “mutual obligations”, many were able to devote time to reengaging with the workforce.</p> <p>As one respondent said,</p> <blockquote> <p>I was able to focus on getting myself back into the workforce. Yes, mutual obligation activities PREVENT people from being able to start a new business or re-enter the workforce as an employee</p> </blockquote> <p>And the extra income freed recipients to do things that would advance their employment prospects; either through study, through properly looking for work, or buying the tools needed to get work.</p> <p>One said</p> <blockquote> <p>I could buy things that helped me with employment — equipment for online work, a bicycle for travel, a proper phone"</p> </blockquote> <p>An Australia Institute review of unemployment payments and work incentives in 33 OECD countries found something similar — that higher payments correlate to lower unemployment.</p> <p>Another respondent said the suspended mutual obligation requirements made it easier to care for an elderly parent during pandemic and their recovery from major surgery.</p> <p>Another said she had been able to focus on her health needs and her children.</p> <p>People on social security are often accused of being dependent on welfare, but it’s often the economy and society that are dependent on their unpaid labour.</p> <p>Yet (except for during the worst of the pandemic) these people have been denied a safety net that ensures their survival.</p> <span class="attribution"><span class="source"></span></span> <p>The inadequacy of payments goes to a major and enduring flaw in the Australian social security system — its inability to recognise all of the productive activities people undertake, including unpaid care  largely undertaken by women.</p> <p>The decisions the government took during 2020 made a major difference to the lives of people outside the formal workforce.</p> <p>They enabled them to turn their attention away from day-to-day survival towards envisioning and realising a more financially and emotionally sustainable future for themselves and their dependants.</p> <p>The flow-on benefits, to all of us, ought to be substantial.</p> <p>The government ought to be very interested.</p> <p>If it was, it would examine the findings further, but they don’t seem to be on its radar.</p> </div> <div class="grid-ten grid-prepend-two large-grid-nine grid-last content-topics topic-list"> <p class="p1"><em>Written by Elise Klein, Kay Cook and Susan Maury. This article first appeared on <a href="https://theconversation.com/what-happens-when-you-free-unemployed-australians-from-mutual-obligations-and-boost-their-benefits-we-just-found-out-157506">The Conversation</a>.</em></p> </div>

Retirement Income

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Why you shouldn’t live out of obligation

<p><em><strong>Megan Giles, Retirement Transition Consultant, supports those approaching retirement to successfully transition and create a retirement they will love to live!</strong></em></p> <p>All too often we worry about what others expect of us in retirement, i.e. the ‘shoulds’. For example we start to volunteer because we feel obliged. Perhaps your neighbour invites you along and with more free time on your hands you can’t find a justifiable reason to say no. Your neighbour is thrilled and you go through the motions on a weekly basis because you don’t want to let her down. But the reality is that you find this particular work mind-numbing and you start to dread your weekly shifts.</p> <p>If not volunteering, it might be that you feel compelled take up golf because that’s what all of your friends are doing or there might be the expectation that simply because you have reached the retirement age you will be retiring. This is despite that fact that you really enjoy your role. You describe your colleagues as your second family, and love the challenging work that you do.</p> <p><strong>The downside of keeping others happy</strong></p> <p>Unfortunately all too often people get caught up in retirement activities which keep them busy and<em> others</em> happy, but that do not bring any joy or fulfilment to them. It’s not that you’re selfish and that you don’t want to volunteer or play golf, it’s just that this is not the right ‘gig’ for you.</p> <p>There is much evidence to show that staying connected to the community around you and participation in meaningful ‘work’ is a strong predictor of wellbeing in retirement. Sure, getting out and moving your body to participate in these activities you can reduce your blood pressure and slow cognitive decline (Sneed &amp; Cohen, 2013). But unfortunately this is not the complete picture. What about your psychological health?</p> <p>New research shows that simply going through the motions of volunteering (for example) is not enough to starve off depression and loneliness in retirement. To reap the psychological benefits of volunteering, you need to be truly engaged in what you do. It needs to be something that you actually enjoy doing, that brings you a sense of satisfaction, and that you connect with the people you do it with. Without this, is becomes a burden that weighs you down.</p> <p>So what you can do to get rid of the ‘shoulds’ in retirement and pursue the things that motivate you, make you happy and provide a sense of fulfilment?</p> <p><strong>1. Get comfortable saying no.</strong></p> <p>Recognise that you don’t have to say yes to everything, but when you do decline frame it positively. Let the other person know promptly (don’t leave them hanging), explain briefly why not (e.g. ‘I’m still testing the waters of retirement – I don’t want to commit to anything yet’), and remember that ‘no’ can be a complete sentence.</p> <p><strong>2. Give yourself permission to pursue what lights you up (and not anyone else)</strong></p> <p>The challenge is that so many people, and in particular women, feel guilty about pursuing their own interests. Juggling a busy career, raising a family and perhaps caring for elderly parents means that they have spent decades putting the needs of others before their own. Often they’ve forgotten the things that they value and enjoy. However, with the kids having left home and with greater financial security, retirement is a wonderful opportunity to finally focus on the things that give meaning to you.</p> <p><strong>3. Do give to others, and do it in a way that is meaningful to you</strong></p> <p>Retirement is a wonderful opportunity to give back to your community and it can provide an enormous amount of satisfaction. There are so many ways to volunteer, such as a joining the board of a not-for-profit, contributing specific expertise such as HR or marketing skills, building schools overseas, or supporting one-off events. The best match may not be with the first not-for-profit you approach and so don’t be afraid to contact multiple causes, explore the volunteering opportunities available, and find the right fit for you.</p> <p>Create a retirement that it fulfilling and meaningful to you (and only you) and try not to worry about what you feel you <em>should</em> be doing. The baby boomers have always been the ones to break the rules and challenge social norms, so why stop now!</p>

Retirement Life