Welcome to Daily Trivia. There is a game to play here. The photo above relates to one of the items below. The first reader to correctly tell us in the comments what item the photo belongs to, and why, gets bragging rights. Sometimes they are obvious, other times the obvious answer is the decoy. Can you figure it out tonight?
Three men forced their way into a 67-year-old man’s home with the intention of raping his granddaughter and stealing the money in his safe. He agreed to open the safe and take out the cash, but instead of taking out the money, he took out a gun and shot all of them. (source)
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Controversial “granny mortgages” are facing a crackdown by the Reserve Bank.
The loans – also called “reverse mortgages or equity release” – have been criticised for being capable of wiping out the value of a family home and leaving relatives with nothing.
But the Reserve Bank is moving to protect banks rather than borrowers.
It fears lending banks could be left underwater if house prices slump or interest rates rise, and plans to force them to put more capital aside to cover the higher risk.
A consultation period ended on Friday, with the regulator expected to move on the growing $400-$500 million market for this type of loan this year.
Reverse mortgages work by home-owning seniors borrowing cash against the value of their property with the debt recovered with compound interest when they die or move.
The loans are already much more expensive than standard home loans, and experts believe tighter regulation could further widen the gap.
Massey University banking expert David Tripe said banks might shoulder the costs, but otherwise could hike interest rates by anywhere from 0.2 to 1 percentage points.
The main players in the niche market, Heartland and ASB, currently charge 8.35 per cent and 8.25 per cent interest respectively.
Neither bank would comment on whether they would increase rates under the proposed rules.
But Heartland’s calculator shows a 65-year-old who borrowed $100,000 against their $500,000 home would owe $1.2 million at age 95, or 12 times the original debt.
They would also have wiped out all their equity, assuming house prices rose 3 per cent a year.
But the families do not have to make up the shortfall after their death as there is a guaranteed no negative equity and they can stay in their home until they die.. Read more »
Charity collectors are using checkpoints to stop drivers on a popular holiday highway and asking for cash.
The collectors, wearing high-visibility vests and waving stop-go signs, have set up on Colville Rd between Port Jackson and the Coromandel township. Read more »
Andrew Bolt says it is the politicians fault, more specifically those politicians who were responsible “through years of reckless immigration and refugee policies.”
I ACCUSE Australiaâs political class of a crime. Of wilfully Âendangering the safety of ÂAustralians.
They â with much media help â have put Australians in danger through years of reckless immigration and refugee policies.
And itâs come to what we saw on Saturday â anti-terrorism police in Melbourne Âarresting five more young men from Muslim families, two for allegedly plotting attacks on police on Anzac Day.
These men were allegedly associates of Numan Haider, an Afghan refugee and Islamic State supporter who last year stabbed two Victorian policemen before being shot dead.
Police have been typically coy about identifying exactly which âcommunityâ the five were from, refusing in two press conferences on Saturday to even mention the words âIslamâ or âMuslimâ.
But their use of the word âcommunityâ made clear they meant something other than the Australian one.
The fact is we have imported people from âcommunitiesâ so at odds with our own that a minority of members has declared war on our institutions, our police and even â allegedly â Anzac Day, the most potent symbol of our nationhood.
We are going to have the same problem here in New Zealand, with years of the Clark administration pandering to Islamic refugees.
[T]he hard facts remain. Of the 21 Australians jailed for terrorism offences so far this century, all were Muslim. Most were born overseas. Most of the rest are children of immigrants from Muslim countries.
Add the following: some 150 Australian Muslims have enlisted with barbaric terrorist groups of the Middle East, Ânotably Islamic State.
Another 100 Australians thought likely to join them have had their passports confiscated, and some 200 have been pulled off planes.
Meanwhile ASIO is investigating 400 other cases involving Islamist threats.
This is an astonishing harvest of danger from a Muslim community here of fewer than 500,000 people.
Compare: we have more than 400,000 Buddhists, yet not one Buddhist has been convicted here of terrorism Âoffences or shot a hostage in a Sydney cafe in the name of their faith.
There is undeniably something different about Islam, or at least the way many interpret it.
New Zealand needs to halt Islamic immigration, and possibly seek to reverse it.
So who is to blame for this problem in Australia? Bolt blames liberal elites.
[W]ith the dangers now so obvious, itâs time to call out those who so blindly exposed us to them.
There is Malcolm Fraser, the Liberal prime minister who ignored official warnings in 1976 that many refugees he was taking in from the Lebanese civil war were unskilled, illiterate and âof questionable characterââ, meaning ââthe conflicts, tensions and divisions within Lebanon will be transferred to Australiaââ. Too true.
Thereâs Paul Keating, who, before becoming another high-immigration prime minister, overturned the Hawke governmentâs decision to deny permanent residency to Grand Mufti Taj Din al-Hilali, a hate preacher who went on to call the September 11 terror attacksÂ âGodâs work against oppressorsâ.
Thereâs Kevin Rudd, who as prime minister scrapped our tough border laws, opening the doors to 50,000 illegal boat people.
There is Rudd again, who, when warned by Liberal MP Wilson Tuckey that among the many peaceful boat people could be a terrorist or two, damned Tuckey to media applause for âdivisive and disgusting remarksâ.
Thereâs current Labor leader Bill Shorten, who still opposes the Abbott Governmentâs successful border policies and last year suggested we repeat Fraserâs mistake in response to wars in Iraq and Syria: âPerhaps itâs time to discuss do we take more refugees from these countries.â
And thereâs even Prime Minister Tony Abbott. Yes, Abbott has stopped the boats, but even he still pandered to radical Muslim ârepresentativesâ he should have shunned, for instance consulting the Islamic Friendship Associationâs Keysar Trad, described by the NSW Supreme Court as a âdangerous and disgraceful individualâ who âincites people to commit acts of violenceâ.
Even Abbott cops it. And then the media…
Disturbingly, much of the media has gone alone with this great denial.
SBS notoriously refused to screen video it shot just days before the September 11 Âattacks which showed our Mufti Hilali praising suicide bombers as âheroesâ.
And âhuman rightsâ lawyer and writer Julian Burnside this year claimed âthe Islamophobia stirred up by Abbott and Bolt is a bigger threat to us than terrorismâ.
This denial most stop.
Our refugee intake must be stricter, taking fewer people from cultures likely to clash with our own.
And we must be slower to shut down debates with screams of âracistâ.
If you fear racists, then fear the ugly fallout if police one day fail to stop an Anzac Day plot by people that more prudent politicians would have kept out.
Our politicians are pretty squeamish, they need to remember that they are there to represent us, not pander to offshore moaners.
– Andrew Bolt, Herald Sun
The Daily Mail reports on a study that confirms that being poor makes you stupid, with brains on average 7% smaller.
Poor children develop smaller brains than their richer classmates, according to two US studies.
Neuroscientists who studied the brains of more than 100 young people found that the surface area of their cerebral cortex could be linked to family income.
The region of the brain studied is responsible for language, memory, spatial skills and reasoning.
Columbia University found children in families that earned less than $25,000 ( ÂŁ16,900) a year had surface areas six per cent smaller than those whose families earned $150,000 (ÂŁ68,500) or more. Â Â Read more »