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What ‘psychological warfare’ tactics do scammers use, and how can you protect yourself?

<p><em><a href="https://theconversation.com/profiles/mike-johnstone-106590">Mike Johnstone</a>, <a href="https://theconversation.com/institutions/edith-cowan-university-720">Edith Cowan University</a> and <a href="https://theconversation.com/profiles/georgia-psaroulis-1513050">Georgia Psaroulis</a>, <a href="https://theconversation.com/institutions/edith-cowan-university-720">Edith Cowan University</a></em></p> <p>Not a day goes by without a headline <a href="https://www.vice.com/en/article/qjvaym/people-share-worst-scam-stories">about a victim being scammed</a> and losing money. We are constantly warned about new scams and staying safe from cybercriminals. Scamwatch has <a href="https://www.scamwatch.gov.au/research-and-resources/tools-resources/online-resources/spot-the-scam-signs">no shortage of resources</a>, too.</p> <p>So why are people still getting scammed, and sometimes spectacularly so?</p> <p>Scammers use sophisticated psychological techniques. They exploit our deepest human vulnerabilities and bypass rational thought to tap into our emotional responses.</p> <p>This “<a href="https://www.thecut.com/article/amazon-scam-call-ftc-arrest-warrants.html">psychological warfare</a>” coerces victims into making impulsive decisions. Sometimes scammers spread their methods around many potential victims to see who is vulnerable. Other times, criminals focus on a specific person.</p> <p>Let’s unpack some of these psychological techniques, and how you can defend against them.</p> <h2>1. Random phone calls</h2> <p>Scammers start with small requests to establish a sense of commitment. After agreeing to these minor requests, we are more likely to comply with larger demands, driven by a desire to act consistently.</p> <p>The call won’t come from a number in your contacts or one you recognise, but the scammer may pretend to be someone you’ve engaged to work on your house, or perhaps one of your children using a friend’s phone to call you.</p> <p>If it is a scammer, maybe keeping you on the phone for a long time gives them an opportunity to find out things about you or people you know. They can use this info either immediately or at a later date.</p> <h2>2. Creating a sense of urgency</h2> <p>Scammers fabricate scenarios that require immediate action, like claiming a bank account is at risk of closure or an offer is about to expire. This tactic aims to prevent victims from assessing the situation logically or seeking advice, pressuring them into rushed decisions.</p> <p>The scammer creates an artificial situation in which you are frightened into doing something you wouldn’t ordinarily do. Scam calls <a href="https://theconversation.com/we-have-filed-a-case-under-your-name-beware-of-tax-scams-theyll-be-everywhere-this-eofy-162171">alleging to be from the Australian Tax Office</a> (ATO) are a great example. You have a debt to pay (apparently) and things will go badly if you don’t pay <em>right now</em>.</p> <p>Scammers play on your emotions to provoke reactions that cloud judgement. They may threaten legal trouble to instil fear, promise high investment returns to exploit greed, or share fabricated distressing stories to elicit sympathy and financial assistance.</p> <h2>3. Building rapport with casual talk</h2> <p>Through extended conversation, scammers build a psychological commitment to their scheme. No one gets very far by just demanding your password, but it’s natural to be friendly with people who are friendly towards us.</p> <p>After staying on the line for long periods of time, the victim also becomes cognitively fatigued. This not only makes the victim more open to suggestions, but also isolates them from friends or family who might recognise and counteract the scam.</p> <h2>4. Help me to help you</h2> <p>In this case, the scammer creates a situation where they help you to solve a real or imaginary problem (that they actually created). They work their “IT magic” and the problem goes away.</p> <p>Later, they ask you for something you wouldn’t normally do, and you do it because of the “social debt”: they helped you first.</p> <p>For example, a hacker might attack a corporate network, causing it to slow down. Then they call you, pretending to be from your organisation, perhaps as a recent hire not yet on the company’s contact list. They “help” you by turning off the attack, leaving you suitably grateful.</p> <p>Perhaps a week later, they call again and ask for sensitive information, such as the CEO’s password. You <em>know</em> company policy is to not divulge it, but the scammer will ask if you remember them (of course you do) and come up with an excuse for why they really need this password.</p> <p>The balance of the social debt says you will help them.</p> <h2>5. Appealing to authority</h2> <p>By posing as line managers, officials from government agencies, banks, or other authoritative bodies, scammers exploit our natural tendency to obey authority.</p> <p>Such scams operate at varying levels of sophistication. The simple version: your manager messages you with an <em>urgent</em> request to purchase some gift cards and send through their numbers.</p> <p>The complex version: your manager calls and asks to urgently transfer a large sum of money to an account you don’t recognise. You do this because <a href="https://www.wsj.com/articles/fraudsters-use-ai-to-mimic-ceos-voice-in-unusual-cybercrime-case-11567157402">it sounds exactly</a> like your manager on the phone – but the scammer <a href="https://www.forbes.com/sites/thomasbrewster/2021/10/14/huge-bank-fraud-uses-deep-fake-voice-tech-to-steal-millions/?sh=1329b80e7559">is using a voice deepfake</a>. In a recent major case in Hong Kong, such a scam even involved a <a href="https://edition.cnn.com/2024/02/04/asia/deepfake-cfo-scam-hong-kong-intl-hnk/index.html">deepfake video call</a>.</p> <p>This is deeply challenging because artificial intelligence tools, such as Microsoft’s VALL-E, can create <a href="https://arstechnica.com/information-technology/2023/01/microsofts-new-ai-can-simulate-anyones-voice-with-3-seconds-of-audio/">a voice deepfake</a> using just three seconds of sampled audio from a real person.</p> <h2>How can you defend against a scam?</h2> <p>First and foremost, <strong>verify identity</strong>. Find another way to contact the person to verify who they are. For example, you can call a generic number for the business and ask to be connected.</p> <p>In the face of rampant voice deepfakes, it can be helpful to <strong>agree on a “safe word” with your family members</strong>. If they call from an unrecognised number and you don’t hear the safe word just hang up.</p> <p>Watch out for <strong>pressure tactics</strong>. If the conversation is moving too fast, remember that someone else’s problem is not yours to solve. Stop and run the problem past a colleague or family member for a sanity check. A legitimate business will have no problem with you doing this.</p> <p>Lastly, if you are not sure about even the slightest detail, the simplest thing is to hang up or not respond. If you really owe a tax debt, the ATO will write to you.<!-- Below is The Conversation's page counter tag. Please DO NOT REMOVE. --><img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/223959/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><a href="https://theconversation.com/profiles/mike-johnstone-106590"><em>Mike Johnstone</em></a><em>, Security Researcher, Associate Professor in Resilient Systems, <a href="https://theconversation.com/institutions/edith-cowan-university-720">Edith Cowan University</a> and <a href="https://theconversation.com/profiles/georgia-psaroulis-1513050">Georgia Psaroulis</a>, Postdoctoral research fellow, <a href="https://theconversation.com/institutions/edith-cowan-university-720">Edith Cowan University</a></em></p> <p><em>Image credits: Shutterstock</em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/what-psychological-warfare-tactics-do-scammers-use-and-how-can-you-protect-yourself-223959">original article</a>.</em></p>

Money & Banking

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How to protect yourself from cyber-scammers over the festive period

<p><em><a href="https://theconversation.com/profiles/rachael-medhurst-1408437">Rachael Medhurst</a>, <a href="https://theconversation.com/institutions/university-of-south-wales-1586">University of South Wales</a></em></p> <p>The festive season is a time for joy, family and festive cheer. However, it’s also a prime target for cybercriminals. As online shopping ramps up, so does the risk of falling prey to cyber-attacks. That’s why it’s crucial to be extra vigilant about your <a href="https://blog.tctg.co.uk/12-cyber-security-tips-of-christmas">cybersecurity</a> during this time.</p> <p>Here are some essential tips to safeguard yourself and your data during the festive period:</p> <h2>Phishing</h2> <p>Phishing is when criminals use scam emails, text messages or phone calls to trick their victims. Their <a href="https://www.ncsc.gov.uk/collection/phishing-scams">goal</a> is often to make you visit a certain website, which may download a virus on to your computer, or steal bank details or other personal data.</p> <p>This type of scam tends to <a href="https://www.egress.com/blog/phishing/holiday-phishing-scam-guide">increase</a> at this time due to the amount of people having bought or received new gadgets and technology.</p> <p>Look out for there being no direct reference to your name in any communications, with wording such as “Dear Sir/Madam” or other terms such as “valued customer” being used instead. Grammar and spelling mistakes are also often present.</p> <p>Be wary of any suspicious links or attachments within emails too, and don’t click them. It’s better to contact the company directly to check if the message is genuine. You can also <a href="https://www.ncsc.gov.uk/collection/phishing-scams">report</a> suspicious messages and phishing scams to the government’s National Cyber Security Centre.</p> <h2>Shopping safely online</h2> <p>The convenience of online shopping is undeniable, especially during the festive season. However, it’s crucial to prioritise your security when buying online.</p> <p>Before entering your personal and financial information on any website, ensure it’s legitimate and secure. Look for the “https” in the address bar and a <a href="https://theconversation.com/the-vast-majority-of-us-have-no-idea-what-the-padlock-icon-on-our-internet-browser-is-and-its-putting-us-at-risk-216581">padlock</a> icon, which indicates a secure and encrypted connection.</p> <p>When creating passwords for online shopping accounts, use strong, unique combinations of letters, numbers and symbols. Avoid using the same password for multiple accounts, as a breach on one site could compromise all your others.</p> <p>As with shopping in the real world, be cautious when encountering offers that are significantly below usual prices or which make extravagant promises. Always conduct thorough research on the seller and product before making a purchase. If a deal seems too good to be true, it probably is.</p> <p>And if you are out shopping in towns or city centres, there will often be a large number of public wifi options available to you. However, criminals can intercept the data that is transferred across such open and unsecured wifi. So, avoid using public wifi where possible, especially when conducting any financial transactions.</p> <h2>Social media</h2> <p>While social media platforms provide people with a means to keep in touch with family and friends over the festive period, they are often a goldmine for <a href="https://www.which.co.uk/consumer-rights/advice/how-to-spot-a-social-media-scam-aMtwF3u1XKGt">scams</a> and malware (software designed to disrupt, damage or gain unauthorised access to a computer). In the spirit of the festive season, people often share an abundance of personal information on social media, often without considering the potential consequences.</p> <p>This trove of data can make people vulnerable to cyber-attacks. Scammers can exploit this information to gain unauthorised access to social media accounts, steal personal information, or even commit identity theft. To protect yourself, be mindful of what you share.</p> <p>Be wary when interacting with posts and direct messages, especially if they contain suspicious links or attachments. Before clicking on anything, hover over the link to verify its destination. If it shows a website you don’t recognise or seems unrelated to the message, do not click on it. If you receive a message from someone you know but the content seems strange or out of character, contact them directly through a trusted channel to verify its authenticity.</p> <p>Likewise, be wary of messages containing urgent requests for money or personal information from businesses. Genuine organisations will never solicit sensitive details through social media.</p> <p>There are many buy and sell platforms available on social media. But while such platforms can be a great place to find a unique gift, it is also important to remember that not all sellers may be legitimate. So, it’s vital that you don’t share your bank details. If the seller sends a link to purchase the item, do not use it. When meeting to collect an item, it’s generally safer to use cash rather than transferring funds electronically.</p> <figure><iframe src="https://www.youtube.com/embed/aO858HyFbKI?wmode=transparent&amp;start=0" width="440" height="260" frameborder="0" allowfullscreen="allowfullscreen"></iframe><figcaption><span class="caption">Advice for staying safe online.</span></figcaption></figure> <h2>Package delivery scams</h2> <p>As well as being a time for giving and receiving gifts, the festive season is also ripe for cybercriminals to exploit the excitement surrounding <a href="https://www.citizensadvice.org.uk/about-us/about-us1/media/press-releases/scams-linked-to-parcel-deliveries-come-top-in-2023/">package deliveries</a>.</p> <p>Scammers often pose as legitimate delivery companies, sending emails or text messages claiming that a delivery attempt was unsuccessful or requiring additional fees for processing, or even customs clearance. Typically, these messages contain links or phone numbers that, when clicked or called, lead to fake websites or automated phone systems designed to collect personal information or payments.</p> <p>To protect yourself, always verify the legitimacy of any delivery notifications you receive. Check the sender’s email address or phone number against the official contact information for the delivery company. If the information doesn’t match or seems suspicious, don’t click any links or provide personal details.</p> <p>Legitimate delivery companies will never ask for upfront payment or sensitive information through unsolicited messages or calls.</p> <p>Remember, cybercriminals are skilled at manipulating the festive spirit to their advantage. Stay vigilant, exercise caution, and don’t let your excitement for gifts and deliveries compromise your cybersecurity.<!-- Below is The Conversation's page counter tag. Please DO NOT REMOVE. --><img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/218294/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><a href="https://theconversation.com/profiles/rachael-medhurst-1408437"><em>Rachael Medhurst</em></a><em>, Course Leader and Senior Lecturer in Cyber Security NCSA, <a href="https://theconversation.com/institutions/university-of-south-wales-1586">University of South Wales</a></em></p> <p><em>Image credits: Getty Images </em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/how-to-protect-yourself-from-cyber-scammers-over-the-festive-period-218294">original article</a>.</em></p>

Money & Banking

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1 in 6 older adults fall victim to impersonation scams

<p>More older adults are likely to fall victim to scams than are currently recognised according to new US research. The problems are global. </p> <div class="copy"> <p>A research team from Rush University Medical Center in Chicago, US, says older Americans who aren’t cognitively impeded, are also at risk.  </p> <p>In their study <a href="https://10.1001/jamanetworkopen.2023.35319" target="_blank" rel="noreferrer noopener">published</a> today in <em>JAMA Network Open</em>, the group reports on a behavioural experiment where they targeted 644 adults aged 64-104 in Rush’s Memory and Aging Project – a local scheme that draws on participants from metropolitan Chicago to participate in research – with a pitch mimicking a real-world impersonation scam. </p> <p>The study’s fictitious ‘US Retirement Protection Task Force’ pitched itself to participants as a government social security initiative.  </p> <p>This USRPTF told participants via either post, email or a telephone call there’d been irregular activity on their Medicare or social security file and the inquiry was a routine account security check. As part of this, the fake agency asked participants to call a telephone hotline or login to a provided website to provide their details.  </p> <p>Over two-thirds of the study failed to respond to any attempts to obtain information by the phoney scheme.  </p> <p>The remainder were evenly split by either responding to requests for contact, but expressing scepticism at the authenticity of the USRPTF, or by responding and engaging with the request for information.  </p> <p>Those who were engaged with the request for information, but expressed doubts, were also those with the highest cognitive performance, and lowest proportion of dementia. They were also the most financially literate participants, while those who provided their details had the lowest literacy. </p> <p>Those who provided details were also found to have the lowest scam awareness of all participants.  </p> <p>Among this group, 1 in 10 willingly provided personal information and 1 in 5 provided details of their social security number.  </p> <p>“If extrapolated to a population level, these numbers are astounding and suggest that a very large number of older adults are at risk of victimisation,” the authors say. </p> <p>They also note that, given the use of a fictitious US government organisation name, the number of people vulnerable to well-organised scams is likely much higher.  </p> <p>Last year, the US National Council on Aging reported 92,371 older Americans were defrauded of a total of US$1.7 billion. Most were victims of government department impersonation, sweepstakes and robocall scams. Often such scams will simply demand payment while ‘spoofing’ the phone number of a government agency to add the veil of legitimacy. </p> <p>It’s a similar story around the world. This year, the Australian Competition and Consumer Commission found Australians lost a record $3.1 billion last year, mostly via phone scams. Australians over 65 years of age accounted for a quarter of losses and reports.  </p> <p>The UK’s Action Fraud initiative found Britons lost about ₤2.35 billion in the 2020/21 financial year, with those aged 50-69 most susceptible to falling victim.  </p> <div> <p align="center"> </p> <p><em>Image credits: Getty Images</em></p> <p><em><a href="https://cosmosmagazine.com/people/society/1-in-6-older-adults-fall-victim-to-impersonation-scams/">This article</a> was originally published on <a href="https://cosmosmagazine.com">Cosmos Magazine</a> and was written by <a href="null">Cosmos</a>. </em></p> </div> </div>

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Hilarious reason dad couldn't be fooled by online scam

<p>One savvy dad has outwitted a scammer who posed as his daughter, after the scammer made one hilarious error. </p> <p>Ian Whitworth, a dad from Sydney, took to his LinkedIn page to share the message a scammer texted him in a classic phishing scam that targets parents. </p> <p>He shared the photo of what he thought was the "funniest phishing text any parent has ever received".</p> <p>The text read, "Hey dad, dropped my phone in the sink while doing the dishes. Its unresponsive this is my new number for now just text me here x."</p> <p>Despite the terrible grammar and punctuation that would immediately alert anyone to the possibility of a scam, it was something else that caught the dad's attention. </p> <p>Instead, Whitworth said it was the fact his daughter would never do the chore mentioned by the scammers.</p> <p>Still, he thought it was worth sharing a photo of the text in a bid to warn others, which he uploaded along with the comment, "Cybersecurity update. I just got this."</p> <p>"Perhaps the funniest phishing txt any parent has ever received. 'Doing the dishes', yeah, for sure."</p> <p>In a reply to one of the people who commented on his post, Whitworth joked that his daughter "at age four emerged from my parents' kitchen with a shocked look on her face. 'What's pop doing?'. He was washing up in the sink."</p> <p>Another commenter wrote, "Haha! There is NO WAY this is from my son or daughter, that's for sure."</p> <p>Another commenter said the giveaway that it wasn't from his own child was that they didn't immediately ask for money, to which Whitworth replied, "Ha, yeah, the phishers are like the seven step ladder of confidence before the money issue gets raised. Actual kids: MONEY NOW."</p> <p>According to the federal government's Scamwatch website run by the Australian Competition and Consumer Commission (ACCC), the "Friends/Family Hi Mum" impersonation scam was common.</p> <p>"Scammers send messages pretending to be a family member or a friend desperate for money," it said.</p> <p>"They say they have a new phone and they need you to pay money to help them out of a crisis."</p> <p>Scamwatch warns: "Don't assume a person you are dealing with is who they say they are" and offers the following advice.</p> <p>"If someone you know sends a message to say they have a new phone number, try to call them on the existing number you have for them, or message them on the new number with a question only they would know the answer to," it said.</p> <p>"That way you will know if they are who they say they are."</p> <p><em>Image credits: Getty Images / LinkedIn</em></p>

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10 helpful etiquette rules for posting a loved one’s death on social media

<p><strong>There’s no right way to deal with death on social media</strong></p> <p>The first thing to bear in mind when sharing or hearing of a loss on social media is that everyone is different. “When it comes to grief, there’s no one way to deal with it, and no correct prescription, so each person’s way needs to be respected,” says Dr Fran Walfish, a family and relationship psychotherapist.</p> <p> “When people are experiencing a loss, it’s very important to step aside, not tell them what to do, and take your cues from them.”</p> <p><strong>Let the closest loved ones post first</strong></p> <p>While anyone affected by a death can feel a strong impulse to share the news on social media, such announcements should be left to the deceased person’s closest family members, who should have the prerogative to decide when, what, and how they want to post. “Sharing is really for the closest loved ones’ benefit, so leave it up to that core group to post the initial news of the passing,” says Stef Woods, who teaches classes on social media. </p> <p>“Note what information has been included or excluded from that post, then follow suit and show support.” A recent study found that the content of those posts can vary depending on the social media platform used. In a 2016 paper, two University of Washington students who had analysed the feeds of deceased Twitter users found, “People use the site to acknowledge death in a blend of public and private behaviour that differs from how it is addressed on other social media sites,” according to a press release.</p> <p><strong>Streamline logistics</strong></p> <p>Because social media has the power to reach such a large network simultaneously, it can be a helpful tool for a family dealing with preparations for a service or memorial. “When the loss is fresh and there are lots of plans to coordinate, it can save people time and emotional energy rather than re-sharing the same information in call after call,” says Woods. </p> <p>If you’re on the phone with someone, she explains, you could get stuck in a conversation that’s not just about you relaying information, it’s also about the other person processing it, and you may not have the time or mental patience for such an exchange. “It can be easier to post the information on Facebook, and then go focus on logistics. It can help give the closest loved ones their own time,” she adds.</p> <p><strong>Get your facts straight</strong></p> <p>While it seems like it should go without saying, when posting about a death on social media, it’s especially crucial to make sure your information is accurate. “I have a niece who was in the ICU for many months with pneumonia teetering between life and death, and all of a sudden on Facebook, I saw a close friend of my brother express condolences, but my niece was still alive!” says Walfish. </p> <p>She rushed to do damage control by contacting the friend – who was a kind, well-meaning person – to prevent her brother from ever seeing such an upsetting post. Fortunately her niece ultimately recovered. “We were lucky in my case, but you can’t always erase what goes out there.”</p> <p><strong>Be careful with details</strong></p> <p>People hearing of a death on social media may want to get more information, understandably, but your curiosity is less important than the family’s need for privacy. “If the core group doesn’t indicate the details of how someone passed in the post, there’s some reason they included or excluded that information,” says Woods. If you happen to know details that weren’t publicly shared by the relatives, it isn’t your place to put that information out there. “Let the core group take the lead,” adds Woods, who points out that ultimately, “finding out the Why and How doesn’t change the fact that someone is gone.” </p> <p>In addition, whether you’re the closest family or the most distant friend of the deceased, be aware that whatever information you post could be viewed by children. “So, if God forbid there was a suicide or any kind of questionable circumstances to the death, be very cautious about how and what you say if you don’t want a teenager or younger child to see it,” says Walfish.</p> <p><strong>Respond in the medium in which you received the news</strong></p> <p>Remember that in the first hours and days after someone passes, the loved ones of the deceased are dealing not only with a storm of emotion but also a long list of logistics. While social media can help that core group to share information more easily, such a public announcement can leave them open to getting bombarded with hundreds of calls and texts. “If you’ve been notified on social media rather than receiving a call, that means for whatever reason that the closest family members didn’t want to or didn’t have time to talk to everyone,” says Woods. </p> <p>“So when acknowledging the news, stick to the medium through which you received the information.” If someone posts on Facebook, she says, reply briefly online, but don’t rush to call or text; instead, give the family space to deal with what they need to deal with. “Wait and reach out later,” Woods advises. “The loss will still be felt long after the services have passed.” An exception may be if you can offer to help in any way – by taking care of children, for example, or hosting out-of-town relatives who may come in for the funeral.</p> <p><strong>Decide whether to keep the departed’s online profiles</strong></p> <p>There’s a good chance that the person who passed has an online profile, and it’s up to their loved ones to decide what to do with it. “Sometimes a person’s profile page is deleted, sometimes the page is kept up, sometimes a separate memorial site is created,” says Woods. “It’s all up to what’s best for those who are grieving the most – there’s no right or wrong way to handle it.” If a deceased person’s Facebook page, for example, continues to be active with respectful photos and posts, it can become a space where everyone can process the loss and remember together.</p> <p>“It can be healthy to express that those who are gone are not forgotten,” says Woods. For some, however, maintaining a lost loved one’s online presence can be detrimental. “When someone keeps a deceased person’s page alive, in a way it’s parallel to memorialising the deceased by making a shrine in your home,” says Walfish. “It can stop some people from moving forward in their life; it’s like not allowing the final resolution of acceptance.”</p> <p><strong>Make your own wishes known</strong></p> <p>When it comes to looking ahead to your own passing, if you have specific wishes about your own social media presence, share them with your loved ones, says financial planner, Pamela Sandy. “Because we live so much of our lives on various social media platforms, we need to think about whether we want all that out there after we’re gone,” she says. Speaking from personal experience, Sandy adds that when her significant other passed, she wasn’t sure of his wishes for his Facebook page and didn’t know where his username and password was. </p> <p>After a time, she found his login credentials and deleted his page, which is what she believes he would have wanted. In order to help her clients avoid similar situations, Sandy includes an online platform that stores people’s changing usernames and passwords to be accessed by their loved ones after their passing – among the services she offers. Additionally, in 2015 Facebook introduced a feature that lets people choose a legacy contact – a family member or friend who can manage their account when they pass away, according to a company press release.</p> <p><strong>Avoid platitudes</strong></p> <p>When you’re trying to show support for someone who has experienced a loss, avoid comments containing trite platitudes such as “They’re in a better place,” especially if you don’t know the family’s beliefs. </p> <p>“For example, saying the person lived a long life may not sit well because the family may not feel it was long enough,” says Woods, adding that it’s fine to be honest and say you don’t know what to say. “It’s OK to write ‘I’m so sorry; there are no words,’” says Woods. “It’s OK to be honest and sincere.”</p> <p><strong>Check your privacy settings</strong></p> <p>When posting, sharing, or commenting on any sensitive information – such as a death – make sure you understand who will be able to see it. “People have different social media privacy settings, so they may think no one can see a particular post when they can,” says Woods. </p> <p>“If you’re sharing a post, say, on Instagram and connecting it with Facebook, it automatically defers to your Instagram setting. Or your phone may have a different default setting than your laptop.”</p> <p><strong>Don’t give into a grief Olympics</strong></p> <p>Sometimes a close family member’s post about the loss of a loved one can attract not only sincere condolences, but also comments in which more distant family or friends get carried away with their own feelings. “It can become a ‘grief Olympics,’ and it should be avoided,” says Woods. Once news of someone’s passing has been announced by their core group, she says, avoid comments about yourself such as bemoaning how hard the news is for you. </p> <p>“If you feel the need to process your own grief, record that processing on your own page,” she suggests. “And do so without tagging any of the core loved ones or the person who passed. If they want to know your views, they’ll see it.”</p> <p><em>Image credits: Getty Images</em></p> <p><em>This article originally appeared on <a href="https://www.readersdigest.co.nz/culture/etiquette-rules-for-dealing-with-death-on-social-media?pages=1" target="_blank" rel="noopener">Reader's Digest</a>. </em></p>

Caring

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Why am I online? Research shows it’s often about managing emotions

<p><em><a href="https://theconversation.com/profiles/wally-smith-1450210">Wally Smith</a>, <a href="https://theconversation.com/institutions/the-university-of-melbourne-722">The University of Melbourne</a> and <a href="https://theconversation.com/profiles/greg-wadley-203663">Greg Wadley</a>, <a href="https://theconversation.com/institutions/the-university-of-melbourne-722">The University of Melbourne</a></em></p> <p>Most of us <a href="https://wearesocial.com/au/blog/2022/02/digital-2022-australia-online-like-never-before/">go online</a> multiple times a day. About half of 18–29 year olds surveyed in a 2021 <a href="https://www.pewresearch.org/short-reads/2021/03/26/about-three-in-ten-u-s-adults-say-they-are-almost-constantly-online/">Pew Research Study</a> said they are “almost constantly” connected.</p> <p>How are we to make sense of this significant digital dimension of modern life?</p> <p>Many questions have rightly been asked about its broader consequences for society and the economy. But there remains a simpler question about what motivates people across a range of ages, occupations and cultures to be so absorbed in digital connection.</p> <p>And we can turn this question on ourselves: <em>why am I online?</em></p> <h2>What are we doing when we go online?</h2> <p>As the American sociologist Erving Goffman <a href="https://www.nytimes.com/1975/02/16/archives/frame-analysis.html">pointed out</a>, asking “What is it that’s going on here?” about human behaviour can yield answers framed at different levels. These range from our superficial motives to a deeper understanding of what we are “really” doing.</p> <p>Sometimes we might be content to explain our online behaviour in purely practical terms, like checking traffic routes or paying a bill. Other times we might struggle to articulate our reasons for going or remaining online.</p> <p>Why are we continually looking at our phones or computers, when we could be getting on with physical tasks, or exercising, or meditating, or engaging more fully with the people who are physically around us?</p> <h2>The ever-present need to manage our emotions</h2> <p>As researchers of human-computer interaction, we are exploring answers in terms of the ever-present need to manage our emotions. Psychologists refer to this activity as <a href="https://www.guilford.com/books/Handbook-of-Emotion-Regulation/James-Gross/9781462520732">emotion regulation</a>.</p> <p>Theories of the nature and function of emotions are complex and contested. However, it is safe to say they are expressions of felt needs and motivations that arise in us through some fusion of physiology and culture.</p> <p>During a typical day, we often feel a need to <a href="https://journals.sagepub.com/doi/abs/10.1037/1089-2680.2.3.271">alter our emotional state</a>. We may wish to feel more serious about a competitive task or more sad at a funeral. Perhaps we would like to be less sad about events of the past, less angry when meeting an errant family member, or more angry about something we know in our heart is wrong.</p> <figure><iframe src="https://www.youtube.com/embed/PQkNb4CLjJ8?wmode=transparent&amp;start=0" width="440" height="260" frameborder="0" allowfullscreen="allowfullscreen"></iframe><figcaption><span class="caption">Digital emotion regulation is becoming increasingly common in our everyday lives.</span></figcaption></figure> <p>One way to understand our frequent immersions into online experience is to see them as acts within a broader scheme of managing such daily emotional demands. Indeed, in <a href="https://www.sciencedirect.com/science/article/abs/pii/S1071581922001732">earlier research</a> we found up to half of all smartphone use may be for the purpose of emotional regulation.</p> <h2>Digital technologies are becoming key tools of emotion regulation</h2> <p>Over the pandemic lockdowns of 2020–21 in Melbourne, Australia, we investigated how digital technologies are becoming <a href="https://dl.acm.org/doi/10.1145/3491102.3517573">key tools of emotion regulation</a>. We were surprised to find that people readily talked of their technology use in these emotion-managing terms.</p> <p>Occasionally, this involved specially designed apps, for mindfulness and so on. But more often people relied on mundane tools, such as using social media alongside Zoom to combat feelings of boredom or isolation, browsing for “retail therapy”, playing phone games to de-stress, and searching online to alleviate anxiety about world events.</p> <p>To some extent, these uses of digital technology can be seen as re-packaging <a href="https://www.tandfonline.com/doi/abs/10.1080/026999399379285">traditional methods</a> of emotion management, such as listening to music, strengthening social connections, or enjoying the company of adorable animals. Indeed, people in our study used digital technologies to enact familiar strategies, such as immersion in selected situations, seeking distractions, and reappraising what a situation means.</p> <p>However, we also found indications that digital tools are changing the intensity and nature of how we regulate emotions. They provide emotional resources that are <a href="https://en.wikipedia.org/wiki/Ubiquitous_computing">nearly always available</a>, and virtual situations can be accessed, juxtaposed and navigated more deftly than their physical counterparts.</p> <p>Some participants in our study described how they built what we called “emotional toolkits”. These are collections of digital resources ready to be deployed when needed, each for a particular emotional effect.</p> <h2>A new kind of digital emotional intelligence</h2> <p>None of this is to say emotion regulation is automatically and always a good thing. It can be a means of avoiding important and meaningful endeavours and it can itself become dysfunctional.</p> <p>In our study of a small sample of Melburnians, we found that although digital applications appeared to be generally effective in this role, they are volatile and can lead to <a href="https://www.theguardian.com/commentisfree/2020/sep/27/social-dilemma-media-facebook-twitter-society">unpredictable emotional outcomes</a>. A search for energising music or reassuring social contact, for example, can produce random or unwanted results.</p> <p>A new kind of <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC10187756/">digital emotional intelligence</a> might be needed to effectively navigate digital emotional landscapes.</p> <h2>An historic shift in everyday life</h2> <p>Returning to the question: <em>what am I doing online?</em> Emotion regulation may well be the part of the answer.</p> <p>You may be online for valid instrumental reasons. But equally, you are likely to be enacting your own strategies of <a href="https://cis.unimelb.edu.au/hci/projects/digitalemotionregulation">emotion regulation through digital means</a>.</p> <p>It is part of an historic shift playing out in how people negotiate the demands of everyday life. <img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/208483/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /></p> <p><em><a href="https://theconversation.com/profiles/wally-smith-1450210">Wally Smith</a>, Professor, School of Computing and Information Systems, <a href="https://theconversation.com/institutions/the-university-of-melbourne-722">The University of Melbourne</a> and <a href="https://theconversation.com/profiles/greg-wadley-203663">Greg Wadley</a>, Senior Lecturer, Computing and Information Systems, <a href="https://theconversation.com/institutions/the-university-of-melbourne-722">The University of Melbourne</a></em></p> <p><em>Image credits: Getty Images</em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/why-am-i-online-research-shows-its-often-about-managing-emotions-208483">original article</a>.</em></p>

Technology

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Facebook Messenger scams are on the rise – here’s how to protect yourself

<p><strong>Facebook Messenger scams prey on our vulnerabilities</strong></p> <p>Scams through Facebook’s Messenger platform are being reported at higher rates than ever before, according to AARP, citing its own data as well as that of the government. Since Facebook’s early days, cybercriminals have been mining Facebook’s direct-messaging capabilities to scam unsuspecting victims out of money. One of the earliest Facebook Messenger scams involved a message, purportedly from a friend, claiming they were stuck in a foreign country and in desperate need of immediate financial assistance to get out. It wasn’t really the friend, however, but rather a scammer who had hacked into the friend’s account. </p> <p>Imposter scams such as “the friend in a foreign country” have evolved and proliferated over the years. The common thread is the scammer either creates an account impersonating an actual Facebook account or hacks into an existing Facebook account. In either case, the scammer then uses the fake/hacked account to send private messages to the account holder’s friends that elicit either money or personal information. The messages vary, but all are designed to prey on our human vulnerabilities, including:</p> <ul> <li>the desire to be a “hero”</li> <li>the desire to appear “generous”</li> <li>the desire to win “free money”</li> <li>the desire to be loved and admired</li> <li>the desire to avoid shame or punishment</li> </ul> <p>If a scammer tries to message you, report them, Facebook advises, but that begs the larger question of how does one recognise a Facebook Messenger scam?</p> <p><strong>Current Messenger Facebook scams</strong></p> <p>According to Facebook and our cybersecurity experts, here are the most common Facebook Messenger scams today:</p> <p><span style="text-decoration: underline;"><em>Romance scams</em></span>. Preying on our desire to be loved and admired, romance scammers appear as attractive strangers with sad stories and a desire to love and be loved. The most effective romance scammers will friend a number of mutual friends before reaching out to any of them, in an attempt to make themselves seem less like strangers and more like people in the same social network. Many use photos they’ve stolen off the Internet and many pose as members of the military or as doctors, in an attempt to inspire trust, admiration, and even authority. What they all have in common is they can’t meet you just yet because they’re somewhere far away, and although it may take a bit of time, even as much as several weeks, they will eventually ask you to send money so that they can come to see you.</p> <p><span style="text-decoration: underline;"><em>Lottery scams</em></span>. Preying on our desire for “free money,” lottery scammers appear as friends or organisations who are thrilled to tell you you’ve won money in some lottery or contest. The common thread? It’s a contest you have no recollection of having entered and to get the prize, you’ll have to either pay a fee or “refundable” advance or provide personal information.</p> <p><span style="text-decoration: underline;"><em>Inheritance scams</em></span>. Also preying on our desire for free money, inheritance scammers claim to be lawyers or others who represent someone who has died and supposedly left you their estate or some portion of it – but first, you’ll have to fork over some money or personal information.</p> <p><span style="text-decoration: underline;"><em>Loan scams</em></span>. Another variation on the “free money” theme is the loan scam, whereby the scammer promises low-interest loans with no money down – except for a “refundable” application fee. Facebook points out that loan scammers may send messages via Messenger and also leave posts and comments on Pages and in Groups to legitimise themselves. However, legitimate lenders wouldn’t offer loans via Facebook Messenger, nor would they ask you for money to proceed with a loan application.</p> <p><span style="text-decoration: underline;"><em>Donation scams</em></span>. Facebook specifically warns users to watch out for “famous people” or people claiming to represent a charity hitting them up for a donation. Donation scams, which are easy money for a scammer because they are a direct request for payment, prey on our desire to be perceived, or to perceive ourselves, as generous.</p> <p><span style="text-decoration: underline;"><em>“Hey, is this you?” scams</em></span>. Consumer Affairs warns of this “phishing scam” that uses the threat of shame to goad you into giving up personal information. The scammer hacks into one of your Facebook friend’s Messenger accounts and sends you a video, asking if it’s really you in the video, and implying there’s something in the video that could embarrass you. If you ever get a message like this, Consumer Affairs urges you to ignore and delete it to avoid giving away personal information or introducing a virus onto your computer.</p> <p><strong>Red flags to watch out for</strong></p> <p>Unfortunately, Facebook Messenger scams evolve rapidly (as soon as we suss them out, there are several more to replace them). So, it’s a good idea to be aware of these warning signs that we culled from our experts:</p> <p><span style="text-decoration: underline;"><em>Someone is asking you for money</em></span>. While Facebook warns specifically against strangers asking for money, Rachel Wilson, investigative coordinator for The Smith Investigation Agency, points out to Reader’s Digest that any time anyone asks you for money over Messenger, it’s immediately suspect. “If friends or family ask you to help them in an emergency, always call to speak with them personally to confirm that the message originated with them.”</p> <p><span style="text-decoration: underline;"><em>Someone is getting a little too personal</em></span>. When someone sends you a message requesting personal information, especially financial information, it should be considered suspicious, advises Sean Messier, credit industry analyst for Credit Card Insider. Messier suggests not revealing any such information until you’re certain the message-sender is who they claim to be, but it’s probably also a good idea to never reveal any such information over Messenger at all.</p> <p><span style="text-decoration: underline;"><em>Someone is offering something for free</em></span>. You know how they say there’s no such thing as a free lunch? Well, there’s no such thing as free money on Facebook, points out Robert Siciliano, security expert. This is true for any kind of “free money” Messenger message, including those involving lotteries, loans, contest winnings, inheritances, lost bank accounts, and reimbursements of money owed.</p> <p><span style="text-decoration: underline;"><em>Someone who wants to take the conversation off Facebook (to text or email, etc)</em></span>. Facebook warns against taking conversations off Facebook unless you’re absolutely certain, beyond a shadow of a doubt, the message sender is who they say they are.</p> <p><span style="text-decoration: underline;"><em>Messages that seem out of character for the sender</em></span>. If a message seems “out of the norm” for the sender, trust your instincts and ignore it. This is doubly true if the message includes an attachment. Be very wary of opening attachments in general, and particularly if something seems “off” about the message or the sender.</p> <p><span style="text-decoration: underline;"><em>Messages rife with spelling and grammatical errors</em></span>. Facebook points out that when a message is filled with typos and grammatical errors, you should have your guard up. A single typo is one thing, but things like the misspelling of names and places are a big red flag.</p> <p><span style="text-decoration: underline;"><em>Messages from new accounts with few friends</em></span>. Roger Thompson, CEO of Thompson Cybersecurity Labs, points out that new accounts with few friends should always be considered suspicious until confirmed otherwise. Friend requests from such accounts and from duplicate friend accounts should be considered suspect as well.</p> <p>To avoid getting hacked (and used by a cybercriminal in an imposter scam), Wilson recommends updating your social media passwords regularly and always use two-factor authentication. She also notes that with Facebook use increasing among seniors, it would be a good deed to speak to older family members about Messenger scams and how to avoid them.</p> <p><em>Image credits: Getty Images </em></p> <p><em>This article originally appeared on <a href="https://www.readersdigest.co.nz/true-stories-lifestyle/science-technology/facebook-messenger-scams-are-on-the-rise-heres-how-to-protect-yourself" target="_blank" rel="noopener">Reader's Digest</a>.</em></p>

Technology

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Don't get caught out: 6 holiday scams ripping off travellers

<p>If you’re planning to take a trip across the world soon, then be warned, as there is an influx of new holiday scams affecting tourists as they travel to their dream break.</p> <p>Holiday-makers have money to spend and relaxation on their minds, which is why they are seen as easy targets for con artists.</p> <p>UK-based consumer group <a href="https://www.which.co.uk/" target="_blank" rel="noopener">Which?</a> has listed the six most common frauds travellers need to be aware of, along with tips on how to avoid getting scammed, <em><a href="https://www.thesun.co.uk/" target="_blank" rel="noopener">The Sun</a></em> reported.</p> <p>So, if you’re planning a trip abroad, here are the things you need to watch out for:</p> <p><strong>1. Accommodation booking scams</strong></p> <p>While the introduction of the internet has been a blessing in terms of ease, it’s also made it easier for scammers to lure you into their traps. With the growth of online holiday bookings, fraudsters often need nothing more than a few fake pictures to lure their victims.</p> <p>A common scam is one that includes picturesque photographs of holiday rentals that don’t seem to exist, advertised at affordable price points. The deals were often advertised on mainstream websites but asked those who were interested in booking to contact them via email, rather than use the site’s own booking system.</p> <p>Bookers were then sent a link to a convincing payment page, which suggested the payment hadn’t cleared. They then ask for a bank transfer instead.</p> <p><strong>How to protect yourself: </strong>Do your research. Google the property to see if it shows up on other reputable websites to check its authenticity. You could use Google Maps and Street View to see if the accommodation actually exists. Also, never pay by bank transfer.</p> <p><strong>2. Dodgy flight deals</strong></p> <p>Con artists have created fake airline websites that advertise budget deals on long haul flights that leave their victims high and dry.</p> <p>The UK government’s fraud agency has reported a recent surge of scams targeting those who are travelling to Asia, Africa and the Middle East.</p> <p>In many instances, tickets were purchased with stolen credit cards and then sold to unsuspecting victims, complete with a reference number.</p> <p>But tickets were then cancelled after the credit card was reported as stolen, leaving the victims out of pocket and nothing to show for it.</p> <p><strong>How to protect yourself:</strong> Book tickets through trusted agencies.</p> <p><strong>3. Wi-Fi hacks</strong></p> <p>It’s become human instinct to try and find Wi-Fi wherever you go, and the same applies when travellers land at airports.</p> <p>While it’s important to stay connected in order to get in touch with friends and family, there is a risk involved. Fraudsters have set up their own free networks in airports and use them to gain free information about anyone that logs on.</p> <p>Many passengers have been tricked into entering their credit card details before logging on.</p> <p><strong>How to protect yourself:</strong> Ask airport staff about the real Wi-Fi connection to make sure it’s the real deal and be on the lookout for connections that don’t ask for passwords straight away. Also, if you are asked for confidential information then provide fake details where possible.</p> <p><strong>4. “Free” holidays</strong></p> <p>This decade-long scam has been one that con artists have perfected throughout the years. Back in the day, people would be pressured into buying timeshares after accepting a complimentary break.</p> <p>Now, the con is conducted through scratch cards and other fake competitions.</p> <p>In one example of the scam, around 500 British travellers in Spain’s Costa del Sol have been scammed of around $27.5 million in the last year alone.</p> <p><strong>How to protect yourself:</strong> Refuse all offers of free holidays because if it’s too good to be true, then it probably is.</p> <p>Do you know of any other travel scams? Let us know in the comments below.</p> <p><strong>5. Document fraud</strong></p> <p>Over the years, the internet has seen a growth in websites selling fake travel visas and other important documents needed to visit foreign countries.</p> <p>A few cases were found to not be conducting illegal activity but were responsible for reselling documents at a huge premium compared to official channels.</p> <p>Some common examples included websites selling the European Health Insurance Card and US visa (Electronic System for Travel Authorisation, or ESTA) documents.</p> <p>While the sites looked extremely convincing, they had nothing to do with the governments of the countries they claimed to represent.</p> <p>According to Which?, out of the top 20 search results for “ESTA visa” over half were unofficial.</p> <p><strong>How to protect yourself:</strong> Follow links to official government websites through the Department of Foreign Affairs website.</p> <p><strong>6. Fake tickets</strong></p> <p>It’s no secret that music concerts and major sporting events are on top of the list of potential scams, but travellers are now falling victim to fake packages to international events and are only finding out the true worth of their ticket once they arrive in the country.</p> <p>The FIFA World Cup in Russia was one example where countless websites offered travel packages including tickets when the only tickets that were considered valid and authentic were the ones purchased directly from FIFA themselves.</p> <p>Scammers love to lure desperate fans with fake tickets, as they know the demand is high and it’s easy to trap people who are willing to go the extra mile for a ticket to their chosen event.</p> <p><strong>How to protect yourself:</strong> Make sure the tickets you are purchasing are from legitimate websites and web pages that start with “https” and have the padlock symbol in the URL bar. And if you’re on the hunt for second-hand tickets, then do a quick check if whether or not resale is allowed, as some tickets are only valid for the original buyer.</p> <p>“Criminals are finding ever more sophisticated ways to dupe holiday-makers, both in the booking process and when they’re on the holiday itself,” Which? Travel editor Rory Boland said.</p> <p>“If something seems too good to be true, it almost certainly is. Don’t hand your money over until you can be sure it’s the real deal.”</p> <p><em>Images: Getty</em></p>

Travel Trouble

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Transformers trailer sparks fury online

<p dir="ltr"><em>Transformers</em> released a string of teasers and behind-the-scenes footage ahead of the June premiere of <em>Transformers: Rise of the Beasts </em>- but quickly stripped a scene that appeared reminiscent of the September 11 attacks.</p> <p dir="ltr">The seventh<em> Transformers</em> movie in the franchise is set to hit Aussie cinemas on June 22, and <em>Transformers</em> shared an extended trailer that showed the Twin Towers of the World Trade Centre surrounded by black smoke, according to the New York Post. </p> <p dir="ltr">The scene’s evocation of 9/11 shocked viewers and many didn’t believe the image could be affiliated with a <em>Transformers</em> movie.</p> <p dir="ltr">“This image certainly made me stop scrolling,” wrote Twitter user Daniel Kibblesmith, alongside the jarring screenshot from the trailer.</p> <p dir="ltr">Kibblesmith’s tweet attracted more than 2.5 million views in less than 24 hours after being posted.</p> <p dir="ltr"><em>Transformers’</em> caption read, “It’s about to be epic. Go behind the scenes with our cast and crew, and meet the new characters of <em>Transformers</em>.”</p> <p dir="ltr">As of May 23, the post no longer appears to be on the franchise’s Twitter page. </p> <p dir="ltr">The nearly two-minute teaser features Anthony Ramos, who stars in <em>Transformers: Rise Of The Beasts </em>as Noah Diaz, an ex-military electronics specialist living in Brooklyn, New York.</p> <p dir="ltr">“This is about to be epic. This is about to be epically crazy,” Ramos said in the behind-the-scenes clip. </p> <p dir="ltr">The footage shows a peaceful NYC skyline with the Twin Towers before abruptly cutting to a shot of the Statue of Liberty in the foreground and the World Trade Centre covered in thick smoke in the background.</p> <p dir="ltr">Steven Caple Jr, the movie’s director clarifies in the clip that the upcoming movie is “in chronological order, is the second <em>Transformers </em>movie – it takes place during the ’90s”.</p> <p dir="ltr">“I didn’t think that it was possible, but here I am, even less interested than ever in seeing a <em>Transformers</em> movie. They’ve done it again, the mad genii,” one Twitter wrote.</p> <p dir="ltr">“This could have been easily avoided if they’d picked literally any other city besides New York,” another tweeted.</p> <p dir="ltr">“That is … an unfortunate shot,” yet another said of the upsetting image, while another said it was “too soon”.</p> <p dir="ltr"><em>Image credit: Twitter</em></p>

Movies

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Divorce led me to my true love

<p><em><strong>Over60 community member, Mary Green, 63, shares her story about how when her marriage suddenly ended after 44 years she found that it was a blessing in disguise.</strong></em></p> <p>"On the Easter weekend of 2012 I was dumped by my husband of 44 years! After a small disagreement I had gone to our holiday flat on a remote golf course outside Melbourne to work on a book fast approaching its publishing deadline. When I messaged that I would be back on Tuesday, he replied by SMS that he had changed the locks.</p> <p>I was incredulous. Marriage is often not easy, but I was about to find out just how tough I was. For the next two months I travelled gypsy style between the golf flat and the tiny new South Yarra studio my second of three sons had just moved into. I have not been inside our family home since.</p> <p>This was the situation I was in when I decided to date. At 63 I just started again. I joined three online dating sites and did not waste time. I booked to meet seven men in the next seven days, apparently breaking all the rules of being cautious and discreet. All seven men were polite and interesting. We had a coffee or met in a wine bar and I had fun, but there was no chemistry. I was just happy being free from my husband.</p> <p>During this time my husband sent my belonging to me on a truck (which I paid for) and when I was sorting through the boxes of files, a page caught my eye. It was the minutes of the golf estate owner’s corporation, and out jumped the name of a man that I had been at school with. Our sisters were best friends in those days. I checked Facebook, and there he was, with three children, seven grandchildren – but I couldn’t see a wife. A bit of messaging banter later, I asked him to ring me.</p> <p>We met up for a drink that turned into dinner and a hug that I will never forget. In my eyes he was still the handsome sporting hero that I had beaten in the high school mixed doubles tennis finals. He was not looking to date. I hoped he would just give me some lessons in online dating. He had been divorced for about 15 years and had two very long relationships with women that he had met on dating sites. He told me that my booking of seven men in seven days was breaking the rules, but also admitted that he had stacked his dates, just hours apart, in order to meet them all. By Christmas 2012 we were a couple in love.</p> <p>It’s been nearly two years since that first date and I am grateful for the internet and the coincidence that we both owned property on the same golfing estate. He plays A Grade, and I try. We are similar in so many other ways that it’s quite spooky sometimes. Our families have embraced each other and the joy of just knowing he is there helps me immensely through what has been a difficult time.</p> <p>Having worked as a support in my ex-husband’s career, and suddenly having to pay bills without a job of my own, led me to Centrelink. They said that I was too old to retrain at no cost, unless I wanted to study Aged Care – something rather peculiar in that thinking, a subsidised course in bookwork software would be more useful and help me save on accountant’s fees. In the meantime I’m setting up my own Facebook blog, called Healthy Ageing. If I can find a good man on the internet, I am optimistic about building a good lifestyle on it too."</p> <p><em>*Names have been changed</em></p> <p><em>Images: Getty</em></p>

Relationships

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Get-rich-quick schemes, pyramids and ponzis: five signs you’re being scammed

<p><a href="https://theconversation.com/profiles/bomikazi-zeka-680577">Bomikazi Ze<em>ka</em></a><em>, <a href="https://theconversation.com/institutions/university-of-canberra-865">University of Canberra</a> and <a href="https://theconversation.com/profiles/abdul-latif-alhassan-1390159">Abdul Latif Alhassan</a>, <a href="https://theconversation.com/institutions/university-of-cape-town-691">University of Cape Town</a></em></p> <p>Consumers are under a lot of financial strain. The <a href="https://www.weforum.org/agenda/2022/09/cost-of-living-crisis-global-impact/">World Economic Forum</a> reports that the cost-of-living crisis is affecting people across the globe. With food and fuel prices rising, it’s becoming increasingly difficult to keep financially afloat. On top of that, salaries <a href="https://www.wsj.com/articles/workers-pay-globally-hasnt-kept-up-with-inflation-e6df92d">aren’t keeping up with inflation</a>, making it more difficult to save and build wealth.</p> <p>It’s during such times of economic difficulty and uncertainty that fraudsters lure unsuspecting consumers into “<a href="https://www.sabric.co.za/">get-rich-quick</a>” schemes, offering <a href="https://www.sabric.co.za/stay-safe/ponzi-pyramid-schemes/">an avenue to make easy money</a> by investing in a “lucrative” financial opportunity.</p> <p>Nothing beats the prospect of making easy money, and every now and again there seems to be a “get-rich-quick” scheme circulating on WhatsApp or on social media that seems legitimate. But it’s not.</p> <p>Our research interests centre on financial systems in emerging economies, and we advocate for financial inclusion and empowering marginalised communities through financial literacy and financial planning. We use our academic platform to share our expertise on finance, including common financial traps people should steer clear of.</p> <p>“Get-rich-quick” schemes are one such trap. They’re also sometimes called ponzi or pyramid schemes. The schemes are a form of <a href="https://www.lawinsider.com/dictionary/financial-fraud">financial fraud</a>. The people running them take money through deception: the misrepresentation of information and identity. They promise financial benefits that don’t exist.</p> <p>You should avoid them because, more often than not, they are bogus and fraudulent business ventures.</p> <p>There have been some massive fraud schemes over the past 30 years. In the early 1990s, <a href="https://www.independent.co.uk/news/world/africa/mmm-global-russian-ponzi-scheme-from-1990s-reborn-and-now-spreading-like-wildfire-in-africa-a7333366.html">MMM Global</a> - one of the world’s largest and most notorious ponzi schemes - defrauded up to 40 million people, who lost an estimated $10 billion. Ponzi schemes have since resurfaced in different forms in <a href="https://www.iol.co.za/weekend-argus/news/ponzi-scheme-investigated-as-some-victims-lost-as-much-as-r200-000-c3c3633c-2abb-4dd4-b668-a5ea608deb41">South Africa</a>, <a href="https://guardian.ng/business-services/nigerians-lose-over-n911b-to-ponzi-schemes-related-fraud-in-23-years/">Nigeria</a>, <a href="https://www.voazimbabwe.com/a/zimbabwe-money-pyramids-ponzi-schemes/6305100.html">Zimbabwe</a>, <a href="https://allafrica.com/stories/202105170964.html">Kenya</a>, <a href="https://doi.org/10.1108/JFC-09-2020-0177">Ghana</a> and several other African countries.</p> <p>There are five tell-tale signs of a “get-rich-quick” scheme. Watch out for them.</p> <h2>The five tell-tale signs</h2> <p><strong>Firstly</strong>, they offer exaggerated and above-market returns within a short period of time, with the promise of little to no risk.</p> <p>There are two golden rules when it comes to investing. The first is that it takes time to make money. Amassing a small fortune within a short space of time should raise questions about the scheme.</p> <p>The second rule is: the higher the risk, the higher the return. In other words, no investment is risk free or can guarantee significant returns. There is always some risk involved. An investment that promises substantial returns tends to be quite risky, which repels most people with a low appetite for risk.</p> <p><strong>Secondly</strong>, new members are constantly recruited to join the scheme.</p> <p>Typically, such schemes are sustained by relying on the investments of new members to pay existing members. Once the number of existing members exceeds new members, the scheme goes “belly-up”. At best you lose out on the returns you were promised. At worst you lose all the money you’ve invested.</p> <p>When the scheme collapses, it is almost impossible to recover the money you’ve lost because you’ve technically given it to a stranger (remember, the definition of financial fraud encompasses the misrepresentation of identity).</p> <p><strong>Thirdly</strong>, there is urgency to join the scheme and no clarity on how the scheme works.</p> <p>This is a classic characteristic of a “get-rich-quick” scheme. There is usually no clear answer about the nature of the scheme, what it invests in, how it generates its returns or the credentials of the organisation.</p> <p>Legitimate investments are transparent and can provide investors with all the information they need to help them decide whether to invest. Unsurprisingly, a proper check of “get-rich-quick” schemes will unmask their fraudulent nature. This is why there’s always the urgency and coercion to make an immediate financial commitment under the guise of missing a once-in-a-lifetime opportunity to get rich.</p> <p><strong>Fourthly</strong>, the scheme is not registered with or regulated by any recognised authority.</p> <p>Regulatory authorities are important because they monitor the conduct of financial service providers and protect consumers by keeping their best interests in mind. The protection provided by financial regulators also instils confidence in financial systems.</p> <p>“Get-rich-quick” schemes are not registered and operate outside the framework of regulatory bodies. This makes investors more vulnerable to loss and makes it more difficult to seek legal recourse when the loss occurs.</p> <p>Legitimate investments in South Africa are offered by authorised financial service providers and regulated by the <a href="https://www.fsca.co.za/Pages/Default.aspx">Financial Sector Conduct Authority</a>. You can search for any authorised financial service provider on the authority’s <a href="https://www.fsca.co.za/Fais/Search_FSP.htm">website</a>.</p> <p><strong>Fifthly</strong>, they use the testimonies from existing members who’ve earned big bucks to promote the scheme.</p> <p>At the initial stages, the scheme tends to pay out to those who have invested early, and these members are encouraged to share the news of their wealth (which travels fast and far) to promote the scheme.</p> <p>But this is a tactic used to create the impression that you too can earn returns in the double digits. These schemes are both unsustainable and unethical as one person gets wealthy through someone else being deceived.</p> <h2>Too good to be true</h2> <p>It’s worth repeating that if it sounds too good to be true, then it probably is.</p> <p>Wealth comes from a sound investment strategy and decisions made over time. Any promise to “get rich quick” should be treated with the cynicism it deserves. It will ultimately reveal its fraudulent nature. Recognising the signs of “get-rich-quick” schemes can save you from unnecessary financial distress.</p> <p>It’s always a good idea to do your own investigation before committing your finances into any investment. You can find more information on the various types of scams through the <a href="https://www.sabric.co.za/">South African Banking Risk Information Centre</a>’s website and report them to the <a href="https://www.safps.org.za/Home/Contact">South African Fraud Prevention Service</a>.<img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/205798/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /></p> <p><em><a href="https://theconversation.com/profiles/bomikazi-zeka-680577">Bomikazi Zeka</a>, Assistant Professor in Finance and Financial Planning, <a href="https://theconversation.com/institutions/university-of-canberra-865">University of Canberra</a> and <a href="https://theconversation.com/profiles/abdul-latif-alhassan-1390159">Abdul Latif Alhassan</a>, Associate Professor in Development Finance & Insurance, <a href="https://theconversation.com/institutions/university-of-cape-town-691">University of Cape Town</a></em></p> <p><em>Image credits: Getty Images</em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/get-rich-quick-schemes-pyramids-and-ponzis-five-signs-youre-being-scammed-205798">original article</a></em>.</p>

Money & Banking

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5 essential tips for buying clothes online

<p>It all seems so easy – a few clicks and you can have a pretty pile of clothes (or shoes, bags, jewellery – anything you like really) delivered to your door.</p> <p>But if you’ve ever gotten a bit click-happy with your online shop and then had buyer’s remorse, read on. We’ve got some advice that will ensure you’re left with nothing but five-star reviews for the items you purchased.</p> <p><strong>1. Buy from stores you trust</strong></p> <p>Often we are left dissatisfied when we buy clothes from a brand we don’t know. The fit isn’t quite right, or the quality might be off. Try to point your credit card at labels that you know and love. You’ll know your true size, you’ll know how well the clothes stay in shape after ten washes, and you’ll know you can return it with no hassles.</p> <p><strong>2. Check your wardrobe</strong></p> <p>Often we are attracted to clothes that we think we love, but it turns out we already own something pretty similar. This could explain why you might have five blue and white striped tops (and so perhaps you don’t need another?). Think about whether the items you want to buy fit into your current collection. If you’re buying shorts, do you have some shirts to go with them? If you have your eye on a dress, do your sandals go with it?</p> <p><strong>3. Check the returns policy</strong></p> <p>Many online shopping hubs offer free returns – but it always pays to check the details. Some will only offer store credit, while others offer your money back (no question asked). You’ll also want to be sure that you can either return the items in the post (without paying for postage), or that you can pop in-store to get a refund in person. Don’t get stuck with a bag full of ill-fitting clothes that you can’t easily give back.</p> <p><strong>4. Look for discounts first</strong></p> <p>Many sites offer discounts online, but you have to know where to look to find them. Simply search online for the store name and the word ‘discount coupon’ and you should find a few options to try. Or if you want to save time, download the Honey app, which automatically applies any working coupon available on the web. Then just enjoy the savings.</p> <p><strong>5. Sign up to be notified about sales</strong></p> <p>If there is a brand or site you use often, sign up to the newsletter so that you’re in the loop about big discount sales. Often there are change of season sales, pre- and post-Christmas offers, and more. Stay in the know and plan your splurges accordingly, rather than buying now and then seeing everything half price the following week.</p> <p><em>Image credits: Getty Images</em></p>

Beauty & Style

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Online travel giant uses AI chatbot as travel adviser

<p dir="ltr">Online travel giant Expedia has collaborated with the controversial artificial intelligence chatbot ChatGPT in place of a travel adviser.</p> <p dir="ltr">Those planning a trip will be able to chat to the bot through the Expedia app.</p> <p dir="ltr">Although it won’t book flights or accommodation like a person can, it can be helpful in answering various travel-related questions. </p> <blockquote class="twitter-tweet"> <p dir="ltr" lang="en">Travel planning just got easier in the <a href="https://twitter.com/Expedia?ref_src=twsrc%5Etfw">@Expedia</a> app, thanks to the iOS beta launch of a new experience powered by <a href="https://twitter.com/hashtag/ChatGPT?src=hash&amp;ref_src=twsrc%5Etfw">#ChatGPT</a>. See how Expedia members can start an open-ended conversation to get inspired for their next trip: <a href="https://t.co/qpMiaYxi9d">https://t.co/qpMiaYxi9d</a> <a href="https://t.co/ddDzUgCigc">pic.twitter.com/ddDzUgCigc</a></p> <p>— Expedia Group (@ExpediaGroup) <a href="https://twitter.com/ExpediaGroup/status/1643240991342592000?ref_src=twsrc%5Etfw">April 4, 2023</a></p></blockquote> <p dir="ltr"> These questions include information on things such as weather inquiries, public transport advice, the cheapest time to travel and what you should pack.</p> <p dir="ltr">It is advanced software and can provide detailed options and explanations for holidaymakers.</p> <p dir="ltr">To give an example, <a href="http://news.com.au">news.com.au</a> asked “what to pack to visit Auckland, New Zealand” and the chatbot suggested eight things to pack and why, even advising comfortable shoes for exploring as “Auckland is a walkable city”. </p> <p dir="ltr">“Remember to pack light and only bring what you need to avoid excess baggage fees and make your trip more comfortable,” the bot said.</p> <p dir="ltr">When asked how to best see the Great Barrier Reef, ChatGPT provided four options to suit different preferences, for example, if you’re happy to get wet and what your budget might look like.</p> <p dir="ltr">“It’s important to choose a reputable tour operator that follows sustainable tourism practices to help protect the reef,” it continued.</p> <p dir="ltr">OpenAI launched ChatGPT in December 2022 and it has received a lot of praise as well as serious criticism. The criticisms are mainly concerns about safety and accuracy. </p> <p dir="ltr"><em>Image credits: Getty/Twitter</em></p>

International Travel

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Bride’s online dress disaster

<p>Bride-to-be Zuzanna was full of excitement ahead of her engagement party - she was free of stress, and she had an amazing dress … until she didn’t. </p> <p>Zuzanna had been under the impression that her Amazon find - a gorgeous white lace maxi dress with nearly 3000 promising reviews - was going to be everything she dreamed. But that dream was destined to become a nightmare, with the online retail supergiant sending her a much shorter version of the garment. </p> <p>Gone was any vision of a long skirt swirling around her ankles as she strode in to her upcoming engagement party, with the new hem barely grazing Zuzanna’s knees in a picture she posted to Facebook group What I Asked For VS What I Got. </p> <p>“It’s not a bad dress at all,” she wrote, “but it’s really not what I was going for.” </p> <p>Continuing from there, Zuzanna took the opportunity to warn others who might have had the same idea as her, pleading for them to “be careful what you order. I bought this dress for my engagement party on Saturday … I definitely will not be wearing it!” </p> <p>She then explained that it had taken her by surprise to open her package and made the unexpected discovery, as the reviews for the product had been so positive. Her misfortunes weren’t to end there, however, with Zuzanna noting that the dress’ “material is super cheap feeling, but I feel like I could have worn it once before it fell apart in the wash.”</p> <p>She hadn’t had any problems with her Amazon purchases before, and hadn’t even considered that poor outcome, though it now meant she’d have to go out in search of another dress for her party. </p> <p>“I don’t hate the dress,” she surmised, “it's just not right for the occasion and that's so sad.”</p> <p>And although Zuzanna seemed to have come to terms with her fate, and didn’t seem too upset about it, people in the comments still wanted to offer her their support, with a few suggestions on how she should proceed with Amazon. </p> <p>“They have a short dress on the site, they probably scanned the wrong item when they sent it to you,” one said.</p> <p>'It's probably a mistake,” another wrote, before sharing that they actually “had several of these maxi dresses” and that Zuzanna should try contacting the company. </p> <p>Meanwhile, others seized the opportunity for some fun, with one asking “where's the other half of the dress?”</p> <p>“Wow,” said another, “you must be really tall!”</p> <p><em>Images: Facebook</em></p>

Beauty & Style

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"Back to the kitchen": Granny Guns flexes down at online trolls

<p>A body-builder granny has hit back at trolls after showcasing her killer biceps online.</p> <p>The TikTok star, 62, shows herself pumping iron, and doing various workouts on her account, with nasty individuals leaving comments saying she belongs in the kitchen.</p> <p>The 62-year-old enjoys making TikTok fitness videos, and she’s proved to be extremely successful online, having just shy of 800,000 followers.</p> <p>In one video, the granny is pumping iron at the gym.</p> <p>The video then cuts to her dancing around with a tray of homemade cookies, which she says is how she acts “any other time”.</p> <p>However, trolls online labelled her as just a woman made for the kitchen, and that’s when the biceps came out.</p> <div><iframe title="tiktok embed" src="https://cdn.embedly.com/widgets/media.html?src=https%3A%2F%2Fwww.tiktok.com%2Fembed%2Fv2%2F7208386374041423146&amp;display_name=tiktok&amp;url=https%3A%2F%2Fwww.tiktok.com%2F%4065_strong%2Fvideo%2F7208386374041423146%3Flang%3Den&amp;image=https%3A%2F%2Fp16-sign.tiktokcdn-us.com%2Fobj%2Ftos-useast5-p-0068-tx%2F632c57901f47459e97728aea3dbe7729_1678333249%3Fx-expires%3D1678683600%26x-signature%3DQUziUnUI1Gk%252FIjO45MfLA8OhWNk%253D&amp;key=59e3ae3acaa649a5a98672932445e203&amp;type=text%2Fhtml&amp;schema=tiktok" width="340" height="700" frameborder="0" scrolling="no" allowfullscreen="allowfullscreen"></iframe></div> <p> </p> <p>The granny made a video where she threw shade at a few hate comments such as “women are weak” or “back to the kitchen”.</p> <p>The video then cuts to her friends lifting weights in a show of strength.</p> <p>The gym granny was showing off a tough move at the bicep curl machine.</p> <p>As she pulled the bar to her chest, her biceps flexed to reveal some serious muscle.</p> <p>She captioned her TikTok, “For all my fellow female fitness lovers”.</p> <p>Fellow users flocked to the comments to show their support.</p> <p>“I have a crush on everyone,” one user said.</p> <p>Another exclaimed: “I love this! And all the amazing women in this video!”</p> <p>“I love you grandma”, a third gushed.</p> <p>To which the granny replied, “Love you back”.</p> <p><em>Image credit: TikTok</em></p>

Body

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Can ideology-detecting algorithms catch online extremism before it takes hold?

<p>Ideology has always been a critical element in understanding how we view the world, form opinions and make political decisions. </p> <p>However, the internet has revolutionised the way opinions and ideologies spread, leading to new forms of online radicalisation. Far-right ideologies, which advocate for ultra-nationalism, racism and opposition to immigration and multiculturalism, have proliferated on social platforms.</p> <p>These ideologies have strong links with violence and terrorism. In recent years, <a href="https://www.asio.gov.au/sites/default/files/2022-02/ASIO_Annual_Report_2020-21.pdf">as much as 40%</a> of the caseload of the Australian Security Intelligence Organisation (ASIO) was related to far-right extremism. This has <a href="https://www.abc.net.au/news/2023-02-13/right-wing-terror-threat-declines-says-asio/101965964">declined</a>, though, with the easing of COVID restrictions.</p> <p>Detecting online radicalisation early could help prevent far-right ideology-motivated (and potentially violent) activity. To this end, we have developed a <a href="https://arxiv.org/abs/2208.04097">completely automatic system</a> that can determine the ideology of social media users based on what they do online.</p> <h2>How it works</h2> <p>Our proposed pipeline is based on detecting the signals of ideology from people’s online behaviour. </p> <p>There is no way to directly observe a person’s ideology. However, researchers can observe “ideological proxies” such as the use of political hashtags, retweeting politicians and following political parties.</p> <p>But using ideological proxies requires a lot of work: you need experts to understand and label the relationships between proxies and ideology. This can be expensive and time-consuming. </p> <p>What’s more, online behaviour and contexts change between countries and social platforms. They also shift rapidly over time. This means even more work to keep your ideological proxies up to date and relevant.</p> <h2>You are what you post</h2> <p>Our pipeline simplifies this process and makes it automatic. It has two main components: a “media proxy”, which determines ideology via links to media, and an “inference architecture”, which helps us determine the ideology of people who don’t post links to media.</p> <p>The media proxy measures the ideological leaning of an account by tracking which media sites it posts links to. Posting links to Fox News would indicate someone is more likely to lean right, for example, while linking to the Guardian indicates a leftward tendency. </p> <p>To categorise the media sites users link to, we took the left-right ratings for a wide range of news sites from two datasets (though many are available). One was <a href="https://reutersinstitute.politics.ox.ac.uk/our-research/digital-news-report-2018">based on a Reuters survey</a> and the other curated by experts at <a href="https://www.allsides.com/media-bias/ratings">Allsides.com</a>. </p> <p>This works well for people who post links to media sites. However, most people don’t do that very often. So what do we do about them?</p> <p>That’s where the inference architecture comes in. In our pipeline, we determine how ideologically similar people are to one another with three measures: the kind of language they use, the hashtags they use, and the other users whose content they reshare.</p> <p>Measuring similarity in hashtags and resharing is relatively straightforward, but such signals are not always available. Language use is the key: it is always present, and a known indicator of people’s latent psychological states. </p> <p>Using machine-learning techniques we found that people with different ideologies use different kinds of language. </p> <p>Right-leaning individuals tend to use moral language relating to vice (for example, harm, cheating, betrayal, subversion and degradation), as opposed to virtue (care, fairness, loyalty, authority and sanctity), more than left-leaning individuals. Far-right individuals use grievance language (involving violence, hate and paranoia) significantly more than moderates. </p> <p>By detecting these signals of ideology, our pipeline can identify and understand the psychological and social characteristics of extreme individuals and communities.</p> <h2>What’s next?</h2> <p>The ideology detection pipeline could be a crucial tool for understanding the spread of far-right ideologies and preventing violence and terrorism. By detecting signals of ideology from user behaviour online, the pipeline serves as an early warning systems for extreme ideology-motivated activity. It can provide law enforcement with methods to flag users for investigation and intervene before radicalisation takes hold.</p> <p><em>Image credits: Getty Images</em></p> <p><em>This article originally appeared on <a href="https://theconversation.com/can-ideology-detecting-algorithms-catch-online-extremism-before-it-takes-hold-200629" target="_blank" rel="noopener">The Conversation</a>. </em></p>

Technology

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The unusual items passengers are stealing from planes to sell online

<p dir="ltr">A flight attendant has revealed one of the main items passengers on planes are trying to take home with them after their journey.</p> <p dir="ltr">In a column for <em>The Sun</em>, a cabin crew member shared that passengers are trying to take lifejackets home with them after their journey and sell them online. </p> <p dir="ltr">"If you have even just a quick glance at eBay, you'll see loads of people flogging them on there, for sometimes as much as £100 ($174.65 AUD) a pop, so it's easy to see why people take them," they said.</p> <p dir="ltr">According to the columnist, it is the worst thing to take from a plane. </p> <p dir="ltr">"If the flight after yours has to land in the sea, then you're quite literally putting someone's life at risk, which seems a little unfair for the sake of £100 ," they said.</p> <p dir="ltr">Flight attendants are also able to track down who stole the lifejackets after they go missing, given they keep a record of where passengers are seated.</p> <p dir="ltr">The airline could also cop a hefty fine for not having adequate safety equipment on board if an auditor found out, which the culprit would have to pay for. </p> <p dir="ltr">According to the flight attendant, another item which often goes missing are the safety cards.</p> <p dir="ltr">While taking these information cards is not as life-threatening as taking a lifejacket, it is still not ideal. </p> <p dir="ltr">"These are mostly taken by aviation geeks who collect them from each plane they go on. I'm not sure why, but it's a bit annoying to have to go round and replace them, which often ends up being my job," the flight attendant said.</p> <p dir="ltr">The cabin crew member reinforced that while a passenger is paying for a flight, some items are not designed to be taken home as souvenirs, specially when it might be needed to save someone else's life.</p> <p dir="ltr"><em>Image credits: Getty Images</em></p>

Travel Tips

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Aussie cat-fluencer claws in a staggering salary online

<p>Honey, who lives in Melbourne with her human parents Paul and Nicole, has proven herself to be quite the star of her very own Cinderella story. </p> <p>Honey had been spending her days on the streets when she was taken to a local animal shelter, and stayed there for months while she waited on someone to give her a place in their hearts and in their home. Luckily, cat lovers Nicole and Paul became smitten with the kitten on a visit to the shelter, and wasted no time in adopting her.</p> <p>Their furry friend, who is now 3 years old and living a delightfully pampered life, has come a long way from her lonely start in life. These days, Honey dazzles people from all around the world with her Instagram account, where she “performs” as a chef, poses in custom costumes, and shares delicious recipes with her 164k followers. </p> <p>Honey’s success has proven a treat for her owners, too, with the cat drawing in a stunning salary of $63k last year alone. Although this income already falls above the median national salary (according to the Australian Bureau of Statistics), it’s predicted that the sum will only rise from here, having already skyrocketed from $50k in 2021. </p> <blockquote class="instagram-media" style="background: #FFF; border: 0; border-radius: 3px; box-shadow: 0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width: 540px; min-width: 326px; padding: 0; width: calc(100% - 2px);" data-instgrm-captioned="" data-instgrm-permalink="https://www.instagram.com/p/CjBzTWuPkz0/?utm_source=ig_embed&amp;utm_campaign=loading" data-instgrm-version="14"> <div style="padding: 16px;"> <div style="display: flex; flex-direction: row; align-items: center;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 40px; margin-right: 14px; width: 40px;"> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 100px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 60px;"> </div> </div> </div> <div style="padding: 19% 0;"> </div> <div style="display: block; height: 50px; margin: 0 auto 12px; width: 50px;"> </div> <div style="padding-top: 8px;"> <div style="color: #3897f0; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: 550; line-height: 18px;">View this post on Instagram</div> </div> <div style="padding: 12.5% 0;"> </div> <div style="display: flex; flex-direction: row; margin-bottom: 14px; align-items: center;"> <div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(0px) translateY(7px);"> </div> <div style="background-color: #f4f4f4; height: 12.5px; transform: rotate(-45deg) translateX(3px) translateY(1px); width: 12.5px; flex-grow: 0; margin-right: 14px; margin-left: 2px;"> </div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(9px) translateY(-18px);"> </div> </div> <div style="margin-left: 8px;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 20px; width: 20px;"> </div> <div style="width: 0; height: 0; border-top: 2px solid transparent; border-left: 6px solid #f4f4f4; border-bottom: 2px solid transparent; transform: translateX(16px) translateY(-4px) rotate(30deg);"> </div> </div> <div style="margin-left: auto;"> <div style="width: 0px; border-top: 8px solid #F4F4F4; border-right: 8px solid transparent; transform: translateY(16px);"> </div> <div style="background-color: #f4f4f4; flex-grow: 0; height: 12px; width: 16px; transform: translateY(-4px);"> </div> <div style="width: 0; height: 0; border-top: 8px solid #F4F4F4; border-left: 8px solid transparent; transform: translateY(-4px) translateX(8px);"> </div> </div> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center; margin-bottom: 24px;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 224px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 144px;"> </div> </div> <p style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; line-height: 17px; margin-bottom: 0; margin-top: 8px; overflow: hidden; padding: 8px 0 7px; text-align: center; text-overflow: ellipsis; white-space: nowrap;"><a style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: normal; line-height: 17px; text-decoration: none;" href="https://www.instagram.com/p/CjBzTWuPkz0/?utm_source=ig_embed&amp;utm_campaign=loading" target="_blank" rel="noopener">A post shared by HONEY | Cat Chef | Princess (@princesshoneybelle)</a></p> </div> </blockquote> <p>“We started Honey’s Instagram in January 2020 when we adopted her,” Nicole said in an interview with <em>news.com.au</em>, “as a way to document her growing up.”</p> <p>“When the pandemic started, I had a bunch of extra free time so really started to research and invest myself into learning more about social media and how to be successful,” Nicole explained of the decision to start the account, going on to add that they “grew followers pretty quickly and had 20k within four months, but the only brand deals we could secure were gifted at first.</p> <p>“We got our first paid deal about six months after we had started, but didn’t start to see decent earnings until mid-2021.”</p> <p>Nicole credits Honey’s rise to internet fame to their Instagram reels, telling <em>news.com.au</em>, “things really started to take off when we started posting the reels. We do baking reels, they really show off Honey’s persona as a cat chef. People adore her.”</p> <blockquote class="instagram-media" style="background: #FFF; border: 0; border-radius: 3px; box-shadow: 0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width: 540px; min-width: 326px; padding: 0; width: calc(100% - 2px);" data-instgrm-captioned="" data-instgrm-permalink="https://www.instagram.com/reel/CoDVHDaNsPG/?utm_source=ig_embed&amp;utm_campaign=loading" data-instgrm-version="14"> <div style="padding: 16px;"> <div style="display: flex; flex-direction: row; align-items: center;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 40px; margin-right: 14px; width: 40px;"> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 100px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 60px;"> </div> </div> </div> <div style="padding: 19% 0;"> </div> <div style="display: block; height: 50px; margin: 0 auto 12px; width: 50px;"> </div> <div style="padding-top: 8px;"> <div style="color: #3897f0; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: 550; line-height: 18px;">View this post on Instagram</div> </div> <div style="padding: 12.5% 0;"> </div> <div style="display: flex; flex-direction: row; margin-bottom: 14px; align-items: center;"> <div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(0px) translateY(7px);"> </div> <div style="background-color: #f4f4f4; height: 12.5px; transform: rotate(-45deg) translateX(3px) translateY(1px); width: 12.5px; flex-grow: 0; margin-right: 14px; margin-left: 2px;"> </div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(9px) translateY(-18px);"> </div> </div> <div style="margin-left: 8px;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 20px; width: 20px;"> </div> <div style="width: 0; height: 0; border-top: 2px solid transparent; border-left: 6px solid #f4f4f4; border-bottom: 2px solid transparent; transform: translateX(16px) translateY(-4px) rotate(30deg);"> </div> </div> <div style="margin-left: auto;"> <div style="width: 0px; border-top: 8px solid #F4F4F4; border-right: 8px solid transparent; transform: translateY(16px);"> </div> <div style="background-color: #f4f4f4; flex-grow: 0; height: 12px; width: 16px; transform: translateY(-4px);"> </div> <div style="width: 0; height: 0; border-top: 8px solid #F4F4F4; border-left: 8px solid transparent; transform: translateY(-4px) translateX(8px);"> </div> </div> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center; margin-bottom: 24px;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 224px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 144px;"> </div> </div> <p style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; line-height: 17px; margin-bottom: 0; margin-top: 8px; overflow: hidden; padding: 8px 0 7px; text-align: center; text-overflow: ellipsis; white-space: nowrap;"><a style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: normal; line-height: 17px; text-decoration: none;" href="https://www.instagram.com/reel/CoDVHDaNsPG/?utm_source=ig_embed&amp;utm_campaign=loading" target="_blank" rel="noopener">A post shared by HONEY | Cat Chef | Princess (@princesshoneybelle)</a></p> </div> </blockquote> <p>Honey’s success has led to opportunities most can only dream of - she has her own merchandise, and a cookbook coming out later in 2022. Of their branching enterprise, Nicole admitted that “it is important to have multiple streams of income, as brand deals are not always available.”</p> <p>She went on to explain that they try to keep their content relevant, watch out for what’s trending, and to balance education with entertainment. But most all, they try to do whatever Honey wants - despite criticism that they are only using their furry friend for financial gain. </p> <p>“Honey loves making videos, and really enjoys all the attention she gets when we film or take pictures,” Nicole assured, “she is often purring through the whole process. She also always gets her favourite treats as payment, of course.</p> <p>“We never do anything she doesn’t want to do, and ensure her health, safety and happiness always come first.</p> <p>“Creating content with her has been an amazing way to bond and document her life with us, make friendships and connections from around the world, and inspire others to adopt from and support shelters.”</p> <p><em>Images: Instagram</em></p>

Family & Pets

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Sam Neill's warning to single women

<p>Actor Sam Neill has issued a warning to women everywhere, cautioning them against a devious "online love scam" that is using his name and photo. </p> <p>The 75-year-old shared the warning to his Instagram followers on Thursday, telling people to be wary of scams that use the promise of romance as a means to rob money from victims in search of companionship. </p> <p>The post, written on behalf of Sam by his assistant, Lauren, said that scammers having been posing as Sam and contacting fans over social media.</p> <p>Lauren explained that this was impossible, as the actor does not have a private account and "does not keep secrets" from his social media team.</p> <p>"Sam has asked me to post on here to share with his followers an idea of the number of fake Sam Neill accounts out there on Instagram," it said.</p> <p>"The ONLY real Sam Neill account is this one - with the blue verified tick," the message continued.</p> <p>Included in the post was a screen grab of Sam's Instagram with a red marker circling the star's account and the message, "Warning".</p> <blockquote class="instagram-media" style="background: #FFF; border: 0; border-radius: 3px; box-shadow: 0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width: 540px; min-width: 326px; padding: 0; width: calc(100% - 2px);" data-instgrm-permalink="https://www.instagram.com/p/CoIsALtyfzw/?utm_source=ig_embed&amp;utm_campaign=loading" data-instgrm-version="14"> <div style="padding: 16px;"> <div style="display: flex; flex-direction: row; align-items: center;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 40px; margin-right: 14px; width: 40px;"> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 100px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 60px;"> </div> </div> </div> <div style="padding: 19% 0;"> </div> <div style="display: block; height: 50px; margin: 0 auto 12px; width: 50px;"> </div> <div style="padding-top: 8px;"> <div style="color: #3897f0; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: 550; line-height: 18px;">View this post on Instagram</div> </div> <div style="padding: 12.5% 0;"> </div> <div style="display: flex; flex-direction: row; margin-bottom: 14px; align-items: center;"> <div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(0px) translateY(7px);"> </div> <div style="background-color: #f4f4f4; height: 12.5px; transform: rotate(-45deg) translateX(3px) translateY(1px); width: 12.5px; flex-grow: 0; margin-right: 14px; margin-left: 2px;"> </div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(9px) translateY(-18px);"> </div> </div> <div style="margin-left: 8px;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 20px; width: 20px;"> </div> <div style="width: 0; height: 0; border-top: 2px solid transparent; border-left: 6px solid #f4f4f4; border-bottom: 2px solid transparent; transform: translateX(16px) translateY(-4px) rotate(30deg);"> </div> </div> <div style="margin-left: auto;"> <div style="width: 0px; border-top: 8px solid #F4F4F4; border-right: 8px solid transparent; transform: translateY(16px);"> </div> <div style="background-color: #f4f4f4; flex-grow: 0; height: 12px; width: 16px; transform: translateY(-4px);"> </div> <div style="width: 0; height: 0; border-top: 8px solid #F4F4F4; border-left: 8px solid transparent; transform: translateY(-4px) translateX(8px);"> </div> </div> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center; margin-bottom: 24px;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 224px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 144px;"> </div> </div> <p style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; line-height: 17px; margin-bottom: 0; margin-top: 8px; overflow: hidden; padding: 8px 0 7px; text-align: center; text-overflow: ellipsis; white-space: nowrap;"><a style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: normal; line-height: 17px; text-decoration: none;" href="https://www.instagram.com/p/CoIsALtyfzw/?utm_source=ig_embed&amp;utm_campaign=loading" target="_blank" rel="noopener">A post shared by SamNeillTheProp (@samneilltheprop)</a></p> </div> </blockquote> <p>"I’m saddened by the stories I hear every day of people who have fallen victim to these disgraceful, despicable scammers. Their sole purpose is exploiting peoples weaknesses and lonely hearts. It’s shameful and disgusting and both Sam and I are committed to bringing this to light," Lauren continued. </p> <p>"Please, please check for the blue tick. If the account doesn’t have it, but has Sam’s name, you know it’s a fake."</p> <p>Lauren explained that the scammers after often pedalling get-rich-quick cryptocurrency schemes, while most of them are offering a romantic relationship. </p> <p>"He definitely isn't having an online romantic relationship with you," Sam's assistant messaged on behalf of the star.</p> <p>"That's the trash bag scammer wasting your time, potentially breaking your heart and disappearing with your money!"</p> <p>Followers were grateful for the warning, with one comment reading, "Please continue to report the fake accounts that contact you. It helps a lot and will continue to make Instagram a safer place for everyone."</p> <p>Others didn't take the warning too seriously, with many of his followers keen to poke fun at the scammers.</p> <p>One person said, "Who the hell have I been sending all those nudes to?"</p> <p>"Wait, you mean the message he sent me asking me to send him bitcoin to be in a Jurassic Park movie wasn't real?" said another, before adding, "Well, this is awkward!"</p> <p><em>Image credits: Getty Images</em></p>

Technology

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Black Friday: so many online returns end up in landfill – here’s what needs to happen to change that

<p><a href="https://www.salecycle.com/blog/featured/11-black-friday-and-cyber-monday-online-retail-stats/">Two of the busiest</a> online shopping days of the year are upon us. In the middle of a cost-of-living crisis and <a href="https://www.ft.com/content/65cd5dda-a5ea-411a-b0ef-08caee388b47">recession</a>, retailers will be desperately hoping that shoppers take advantage of discounts on Black Friday and Cyber Monday to bump up annual sales figures. </p> <p>While this would boost a sector that has <a href="https://www.reuters.com/world/uk/uk-retail-sales-rise-by-06-october-2022-11-18/">yet to fully recover</a> from the COVID pandemic, there’s a major downside. The more that shoppers buy online, the bigger the problem with returned goods. </p> <p>Almost <a href="https://www.statista.com/topics/2333/e-commerce-in-the-united-kingdom/">60 million people</a> shop online in the UK – in other words the vast majority. But most shoppers buy more than they intend to keep. They order multiple sizes and colours to find the perfect item, safe in the knowledge that there’s a convenient and “free” return option to dispose of the rest. </p> <h2>The returns nightmare</h2> <p>This has become so standard that there’s even a name for it – “wardrobing”. Around <a href="https://www.forbes.com/sites/forbesbusinessdevelopmentcouncil/2020/06/12/how-your-return-policy-can-influence-new-sales-and-long-term-loyalty/?sh=4749b17a1c42">66% of </a> people in the UK consider the returns policy before buying online, and abandon orders when the policy isn’t obvious. <a href="https://inews.co.uk/news/consumer/instagram-shoppers-buy-clothes-wear-once-ootd-picture-return-186572">One in ten shoppers</a>even admit to buying clothes solely for the purpose of taking a photo for social media. </p> <p><a href="https://www.royalmail.com/sites/royalmail.com/files/2019-08/royal-mail-delivery-matters-returns-2018.pdf">More than half</a> of all clothes purchased online are returned. Put another way, each British shopper returns an average of <a href="https://www.royalmail.com/sites/royalmail.com/files/2019-08/royal-mail-delivery-matters-returns-2018.pdf">one item per month</a>.</p> <p>But if people have become used to treating their bedrooms and living rooms as the new in-store changing room, it’s not only clothes that cause an online returns problem. For example, <a href="https://www.royalmail.com/sites/royalmail.com/files/2019-08/royal-mail-delivery-matters-returns-2018.pdf">42% of electrical goods</a> ordered online get returned, mostly because they arrive damaged or faulty. </p> <p>Returned goods are much more <a href="https://eprints.whiterose.ac.uk/170890/">complex to process</a> than other stock because they tend to arrive as single items that need inspecting individually to see why they were returned. They need sorting and possibly repairing or cleaning before being returned to stock, which for many retailers is in a different location. </p> <p>The associated costs are significantly higher than shipping out new products. According to <a href="https://edition.cnn.com/2022/06/26/business/retail-returns/index.html">one US expert</a>, every dollar in returned merchandise costs a retailer between 15 and 30 cents. </p> <p>Returns were estimated to be costing retailers <a href="https://www.clearreturns.com/portfolio-item/black-friday-costs-uk-retailers-180m-in-returned-goods/">about £20 billion a year</a> in 2016, roughly half that of shop-bought products. Since then, it will have <a href="https://www.statista.com/statistics/286384/internet-share-of-retail-sales-monthly-in-the-united-kingdom-uk/">increased considerably</a> – particularly during COVID as online sales went through the roof. </p> <p>Every time you move a product there are also environmental costs associated with the journey. According to <a href="https://www.nature.com/articles/s41558-021-01246-9">one recent study</a>, the carbon emissions from returning a product are about a third higher than shipping it out in the first place. </p> <h2>What can be done</h2> <p>It is tempting to think we need rules to curb all this over-buying and returning. But that would be very difficult to police and also potentially disastrous for online retailers. </p> <p>In any case, the sector is developing its own solutions: <a href="https://internetretailing.net/delivery/25-of-top500-brands-now-charging-consumers-for-returns/">a quarter</a> of leading UK brands now charge customers for returns, including fast-fashion players like <a href="https://www.retailgazette.co.uk/blog/2022/11/end-free-returns/">Zara and Boohoo</a>. They will not be doing this lightly: the Royal Mail <a href="https://www.royalmail.com/business/system/files/delivery-matters-uk-edition-2018.pdf">estimates 52%</a> of shoppers would be unlikely to use a particular online retailer if they had to pay for the returns. </p> <p>We both still see reports online claiming that substantial amounts of returned clothes end up in landfill, but this is not what we hear from our discussions with leading retailers. <a href="https://www.sustainability.vic.gov.au/You-and-your-home/Waste-and-recycling/Furniture-andhousehold-items/Clothing">Over 95%</a> of returned clothing can be reprocessed and made available for resale as a new product – subject to cleaning and sewing repairs and retailers having access to ozone cleaning facilities to remove perfume/aftershave smells, which is actually a major one issue.</p> <p>Our understanding is that many retailers are approaching that sort of turnaround figure. ASOS reportedly <a href="https://www.asos.com/responsible-fashion/packaging-and-delivery/6-ways-our-returns-are-more-responsible/">resells over 97%</a> of its returns, for instance. </p> <h2>Challenges with bulky goods</h2> <p>Unfortunately it’s very different with bulkier goods like furniture or kitchen appliances. These often require additional packaging, two-person collection and much more besides. </p> <p>Take memory foam mattresses. A consumer returning one won’t be able to squeeze out all the air and put it back in the modest-sized delivery box. The return will therefore be the size of a mattress, and you can’t get that many on a truck.</p> <p>Mattresses have also been slept on so there are hygiene considerations. The cover needs to be washed or discarded, depending on its condition. The mattress has to be inspected for damage like scuff marks, then cleaned and sanitised before being reboxed to be sold as reconditioned.</p> <p>There are comparable challenges across the board with bulkier products. To give another example, electrical items are expensive to repair and by law need to be tested before they can be resold. </p> <p>Faced with such issues, retailers frequently take the easy way out. They let returns languish in distributors’ warehouses before eventually sending them to landfill. </p> <p>We have seen this first hand in <a href="https://eprints.whiterose.ac.uk/170890/">our research</a>, working with four major retail brands that use returns specialist Prolog. One beauty retailer insists their returned electrical products in beauty kits be destroyed to protect their brand, leading to many being sent to landfill. </p> <p>We were able to demonstrate that these items could be processed more sustainably by harvesting the unused components for new kits, retained by Prolog Fulfilment for supplying missing components to other customers, or salvaged for warranty replacements. </p> <p>These sorts of options are available with a bit of investigation. Sometimes value engineering is also possible, where engineers repair returned products and provide feedback to manufacturers about common reasons for returns. </p> <p>Carbon footprints can also be reduced. For instance, the delivery company could hold the returns rather than sending them back to the retailer’s distribution centre. It’s still commonplace for retailers to process returns in a different location from where they ship out new products, so companies need to look at this too. </p> <p>These failures are both unacceptable from a sustainability point of view but also a major missed selling opportunity. Many returns could be refurbished with little effort and sold as “A-” grade at a small discount. </p> <p>When products can’t be resold, other options include resizing, donating to charity or working with specialist recycling companies to dismantle and recycle the smaller components to prevent any material going to landfill. </p> <p>As everyone gears up for the Black Friday weekend and then Christmas, it’s time for these retailers to do better. Consumers also need to be aware of this issue and apply more pressure.</p> <p><em>Image credits: Getty Images</em></p> <p><em>This article originally appeared on <a href="https://theconversation.com/black-friday-so-many-online-returns-end-up-in-landfill-heres-what-needs-to-happen-to-change-that-195310" target="_blank" rel="noopener">The Conversation</a>. </em></p>

Beauty & Style