Global Humanity Looks to Unity of Minds in Crisis: Massacres of Muslim Worshipers in Christchurch, New Zealand

"And if we do act, in however small a way, we don’t have to wait for some grand utopian future. The future is an infinite succession of presents, and to live now as we think human beings should live...

Dr Mahboob A Khawaja, PhD. - avatar Dr Mahboob A Khawaja, PhD.

New TAFE program for Aboriginal health-care students sees a near perfect completion rate

If we are to close the gap in health outcomes for Aboriginal people, we need to develop and staff culturally competent health-care services.from shutterstock.comA customised scholarship program develo...

Kylie Gwynne, Associate Professor and Research Director, Poche Centre for Indigenous Health Faculty of Medicine and Health, University of Sydney - avatar Kylie Gwynne, Associate Professor and Research Director, Poche Centre for Indigenous Health Faculty of Medicine and Health, University of Sydney

Two million Aussies delay or don't go to the dentist – here's how we can fix that

When did you last visit the dentist?By Concept Photo/ShutterstockDental care in Australia is a policy anomaly; for some reason, the mouth is treated very differently to other parts of the body. About ...

Stephen Duckett, Director, Health Program, Grattan Institute - avatar Stephen Duckett, Director, Health Program, Grattan Institute

We need a new definition of pornography - with consent at the centre

In a search of social science literature on pornography, none of the definitions reviewed mentioned consent.ShutterstockWe all think we know what pornography is, whether we oppose it, use it, or toler...

Sarah Ashton, PhD Candidate, Monash University - avatar Sarah Ashton, PhD Candidate, Monash University

Women can build positive body image by controlling what they view on social media

It is possible to limit your bombardment with images of bodies that feel way out of reach – so choose wisely who you follow. hannah grace / unsplash, CC BYSocial media use is often described as ...

Rachel Cohen, Clinical Psychologist and PhD Candidate, University of Technology Sydney - avatar Rachel Cohen, Clinical Psychologist and PhD Candidate, University of Technology Sydney

Ultra low wage growth isn't accidental. It is the intended outcome of government policies

This is the first in a three-part mini-symposium on Wages, Unemployment and Underemployment presented by The Conversation and the Academy of the Social Sciences in Australia.The long debate over the c...

John Quiggin, Professor, School of Economics, The University of Queensland - avatar John Quiggin, Professor, School of Economics, The University of Queensland

Curious Kids: why bats sleep upside down, and other stories of animal adaptation

Zzzzzzz...Flickr/Ryan Poplin, CC BY-SACurious Kids is a series for children. If you have a question you’d like an expert to answer, send it to curiouskids@theconversation.edu.au You might also l...

Amy Edwards, Post Doctoral Researcher, La Trobe University - avatar Amy Edwards, Post Doctoral Researcher, La Trobe University

'Give us a sniff, love': giving marsupials scents from suitors helps breeding programs

A baby eastern barred bandicoot pokes its head out of its mother’s pouch. M. Parrott, Zoos Victoria, Author providedSmell is a vital part of sexual attraction for all kinds of animals (including...

Marissa Parrott, Reproductive Biologist, Wildlife Conservation & Science, Zoos Victoria, and Honorary Research Associate, BioSciences, University of Melbourne - avatar Marissa Parrott, Reproductive Biologist, Wildlife Conservation & Science, Zoos Victoria, and Honorary Research Associate, BioSciences, University of Melbourne

Youth homelessness efforts get a lowly 2 stars from national report card

Despite a ten-point roadmap and bold commitments, Australia has not stayed on track to reduce youth homeless over the past decade.Roman Bodnarchuk/ShutterstockA National Report Card on Youth Homelessn...

David MacKenzie, Associate Professor, Department of Social Science, Swinburne University of Technology - avatar David MacKenzie, Associate Professor, Department of Social Science, Swinburne University of Technology

View from The Hill: A truly inclusive society requires political restraint

“Standing against hate” requires robust leadership from the politicians.AAP, CC BY-NCTerrible tragedies test leaders to the full. Anyone watching from afar must be impressed with the way i...

Michelle Grattan, Professorial Fellow, University of Canberra - avatar Michelle Grattan, Professorial Fellow, University of Canberra

NSW election neck and neck as voters face a 1950s-style 'I'll see you and raise you' campaign

On Saturday, March 23, the people of New South Wales will head to the ballot boxes for a state election. It is looking increasingly close, with polls showing government and opposition neck and neck on...

David Clune, Honorary Associate, Government and International Relations, University of Sydney - avatar David Clune, Honorary Associate, Government and International Relations, University of Sydney

Ultra low wage growth isn't accidental. It is the intended outcome of government policies

This is the first in a three-part mini-symposium on Wages, Unemployment and Underemployment presented by The Conversation and the Academy of the Social Sciences in Australia.The long debate over the c...

The Conversation - avatar The Conversation

Christchurch attacks are a stark warning of toxic political environment that allows hate to flourish

When lives are tragically cut short, it is generally easier to explain the “how” than the “why”. This dark reality is all the more felt when tragedy comes at the hands of murd...

Greg Barton, Chair in Global Islamic Politics, Alfred Deakin Institute for Citizenship and Globalisation, Deakin University - avatar Greg Barton, Chair in Global Islamic Politics, Alfred Deakin Institute for Citizenship and Globalisation, Deakin University

Can a senator be expelled from the federal parliament for offensive statements?

In the wake of comments about the Christchurch massacre, members of the public have raised the question of whether a senator can be expelled from the Senate for making offensive statements. It is now...

Anne Twomey, Professor of Constitutional Law, University of Sydney - avatar Anne Twomey, Professor of Constitutional Law, University of Sydney

The psychology of fear and hate, and what each of us can do to stop it

New Zealand Prime Minister Jacinda Ardern has travelled to Christchurch after yesterday's terror attacks.NZ Prime Minister's office, CC BY-SAAs an immigrant to New Zealand, I am saddened and outraged ...

Stephen Croucher, Professor and Head of School of Communication, Journalism, and Marketing, Massey University - avatar Stephen Croucher, Professor and Head of School of Communication, Journalism, and Marketing, Massey University

Why overhauling NZ's gun and terrorism laws alone can't stop terrorist attacks

Grieving members of the public following a shooting at the Masjid Al Noor in Christchurch.EPA/Martin Hunter, CC BY-SAMy research focuses on terrorism in or affecting New Zealand. Until yesterday, my p...

John Battersby, Police Teaching Fellow, Massey University - avatar John Battersby, Police Teaching Fellow, Massey University

Random Thoughts V

If Planned Parenthood was selling puppy body parts they would be shut down yesterday. The thirties and forties are a blur with work and family.  The fifties start to slow down and in the sixties yo...

Dr. Robert Owens - avatar Dr. Robert Owens

Christchurch mosque shootings must end New Zealand's innocence about right-wing terrorism

Members of the Armed Offenders Squad push back members of the public following a shooting at the Masjid Al Noor mosque in Christchurch.AAP/Martin Hunter, CC BY-SATonight, New Zealand police continue t...

Paul Spoonley, Pro Vice-Chancellor, College of Humanities and Social Sciences, Massey University - avatar Paul Spoonley, Pro Vice-Chancellor, College of Humanities and Social Sciences, Massey University

Why news outlets should think twice about republishing the New Zealand mosque shooter's livestream

Like so many times before with acts of mass violence in different parts of the world, news of shootings at two Christchurch mosques on Friday instantly ricocheted around the world via social media. Wh...

Colleen Murrell, Associate Professor, Journalism, Swinburne University of Technology - avatar Colleen Murrell, Associate Professor, Journalism, Swinburne University of Technology

Few areas of public policy are as hotly debated as how to close the income gap between Indigenous and non-Indigenous Australians. There are some uncontroversial goals, such as improving job opportunities and reducing the high rate of Indigenous unemployment. But other ideas to better target welfare are bitterly divisive.

The cashless credit card, for example, has been described as a vital response to the problem of welfare policies that systemically enable illicit drug use, alcohol abuse and gambling. It has also been called the epitome of neocolonial and punitive policy implemented for some imagined political gain at the expense of vulnerable people.

Both assessments may be valid, given the context. One of the problems with Indigenous welfare policy is an oversupply of assumptions and a lack of detailed information about the realities of lived experience.

Read more: How to get a better bang for the taxpayers' buck in all sectors, not only Indigenous programs

It is generally assumed, for example, that the patterns of why people in Australia are poor, and how they manage the money they have, are largely the same for Indigenous and non-Indigenous. But this might be incorrect.

We decided to dig into the statistics and compare the experience of financial stress in Indigenous and non-Indigenous households.

Our findings surprised us.

While financial stress is much more common in Indigenous households, we found evidence of substantial capacity to manage scarce resources. Indigenous households in remote areas seem to manage better than those in urban areas. Large Indigenous households do better than non-Indigenous ones.

We are hesitant to draw any grand policy conclusions, except to underline a clear truth: those in the field of Indigenous policy need to base their decisions on accurate information, lest they undermine the capabilities and strengths that people already possess.

Defining financial stress

Financial stress is a relative experience. It’s not just about income level, but how individuals or households cope. The degree of stress can be different for two people on the exact same income, depending on the choices they make.

The Australian Bureau of Statistics defines a range of indicators to determine financial stress. Spending more than your income is one. Being unable to pay power and phone bills is another. Going without meals and not having money to heat your home are two others.

We split financial stress into “cashflow” (inability to pay housing costs or utilities or borrowing from friends) and “hardship” (missing meals, pawning something, not being able to pay to heat the home or applying for welfare) problems. These two types of problems are fundamentally different. Hardship problems are rarer and more likely to be associated with severe disadvantage.

We then devised a method to better compare the experience of these two forms of financial stress in Indigenous and non-Indigenous households. For this we use two large surveys covering more than 12,000 households: the Household Income and Labour Dynamics in Australia (HILDA) and the 2014-15 National Aboriginal and Torres Strait Islander Social Survey (NATSISS).

Cashflow stress

Indigenous households experience more cashflow problems than comparable non-Indigenous households, even when we control for income and other household characteristics.

That is, an Indigenous household with the same income as an average non-Indigenous household is more likely to experience cashflow problems – in some cases substantially so.

There is evidence this financial stress is exacerbated by the widespread demand-sharing custom known as “humbugging”. An Indigenous person is more likely, for example, to let someone else use their ATM card.

Hardship

Yet when it comes to the more extreme form of financial stress, Indigenous households are at least as effective as non-Indigenous households at avoiding hardship.

That is, while Indigenous households experience more financial stress – because they have, on average, much lower incomes – our model indicates an Indigenous household with the same income as the average non-indigenous household has the same or smaller probability of experiencing financial hardship.

Remote households

Our modelling also shows Indigenous households in remote and very remote areas appear to do better at avoiding financial stress than counterparts in non-remote areas.

The ABS uses five classes of remoteness based on relative access to services. ABS

Again, while remote households have, on average, much lower incomes – and therefore more financial stress – our method is able to show that a remote household is less likely to experience financial stress than a non-remote household with the same income.

This suggests there is value in traditional practices for Indigenous households.

Large households

Finally, large Indigenous households seem to manage better than large non-Indigenous households. As household size grows, Indigenous households need less extra income to have the same probability of experiencing financial stress.

This is significant because it suggests policies that encourage better sharing of resources among large extended family groups could be a highly efficient social insurance mechanism.

Interestingly, the presence of multiple families in a household has no significant effect on the probability of experiencing financial stress. This contradicts the policy assumption that multiple families in a house makes things worse.

Read more: FactCheck Q&A: is $30 billion spent every year on 500,000 Indigenous people in Australia?

Overall our research suggests Indigenous people, particularly those in remote areas, have substantial capacity to manage scarce financial resources. Policy makers need to leverage these capabilities through implementing policies that support and enhance them.

Authors: The Conversation

Read more http://theconversation.com/traditional-culture-may-help-indigenous-households-manage-money-better-104060