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We all know that Pink Ribbon day raises awareness and funds for research to find a cure for Breast Cancer.
Please see links below to find out how you can help.
But Did you know:
1) You can buy Insurance which will payout a lump sum (e.g. to clear debts or pay for medical treatments).
- Trauma Cover or Critical Illness is available through many life insurance companies. Contact us to find out more.
2) Current statistics are:
- One in nine women will be diagnosed with breast cancer before the age of 85.
- Currently 36 women in Australia are diagnosed with breast cancer every day.
- Breast cancer is the most common cancer among Australian women, accounting for 28% of all cancer diagnoses in 2006.
- The number of women diagnosed with breast cancer in Australia increased from 5,289 in 1982 to 12,614 in 2006.
- By 2015, the number of new breast cancer cases among women is projected to be 22% higher than in 2006, with an estimated 15,409 women expected to be diagnosed with breast cancer.
- Breast cancer is the most common cancer experienced by Aboriginal and Torres Strait Islander women. Indigenous women were significantly less likely to be diagnosed with breast cancer than non-Indigenous women in 2002-2006 (69 and 103 new cases per 100,000 women respectively).
- The risk of breast cancer increases with age. About 24 per cent of new breast cancer cases diagnosed in 2006 were in women younger than 50 years; 51 per cent in women aged 50-69; and 25 per cent in women aged 70 and over.
- The age standardised incidence rate has increased from 80.7 in 1982 to 112.4 in 2006.
- The highest age-standardised incidence rate occurred in ACT (129.2 cases per 100,000 females), followed by Western Australia (114.9), Tasmania (114.8), Queensland (114.6), South Australia (113.5), New South Wales (113.1), Victoria (111.4) and Northern Territory (83.3).
- The average age of first diagnosis was 60 years for a woman in 2006.
- The number of men diagnosed with breast cancer in Australia increased from 62 in 1982 to 102 in 2006.
- Breast cancer and lung cancer are the two leading causes of cancer-related death in Australian women. Lung cancer claimed 65 more lives than breast cancer in 2006.
- There were 2,618 female deaths from breast cancer in 2006.
- There were 25 male deaths from breast cancer in 2006.
- A woman’s risk of dying from breast cancer before the age of 85 has been declining, from 1 in 30 risk in 1982 to a 1 in 38 risk in 2006.
- The age-standardised rate of death due to breast cancer among women has fallen from 30.2 deaths per 100,000 females in 1994 to 22.1 deaths per 100,000 females in 2006, a decrease of 27%.
- Mortality rates for Indigenous women in Queensland, Western Australia, South Australia and Northern Territory were not significantly different from those of their non-Indigenous counterparts (25 and 23 deaths per 100,000 women, respectively).
- Australia’s death rate from breast cancer was significantly lower than the rates for New Zealand, Northern Europe, Western Europe and Western Africa
- For women, there was an increase in relative survival after diagnosis of breast cancer between 1982-1987 and 2000-2006, five-year relative survival increased from 72.6% to 88.3% respectively.
- In 2006 five-year relative survival was 98.2% for women with 0–10 mm tumours, 94.7% for women with 11–15 mm tumours, 93% for women with 16–19 mm tumours, 87.9% for women with 20–29 mm tumours, 73.1% for women with tumours 30mm or greater.
- Five-year relative survival was 96.5% for women with negative nodal status, 80.2% for women with positive nodal status in 2006.
- Five-year crude survival rates for Indigenous women in Queensland, Western Australia, South Australia and Northern Territory were significantly lower compared with non-Indigenous women (65% vs. 82% respectively) between 2002-2006.
- It is estimated that in 2006 there were 143,967 women alive who had been diagnosed with breast cancer in the previous 25 years
Information and statistics were obtained from the National Breast and Ovarian Cancer Centre Website. www.nbocc.org.au. Updated Statistics from Breast Cancer in Australia: an overview, 2009
The Generations and Generation X
Research shows the biggest divide facing our society is not a gender divide, racial divide, income or technology divide but it is the generational divide. For those of us involved in engaging young people it must be remembered that the gap between us and them is constantly growing: school students are always aged 5-18 but we are getting older, so we must work harder to understand them and so remain relevant.
Let’s begin by defining these generations:
(Figures from the ABS Census)
Generation X has been synonymous with young people since the name was first coined by Douglas Coupland in 1991. However many Xers are now in their 30’s and when it comes to understanding school students we are talking about Generation Y.
Why are young people so different to the other generations?
Obviously the age or life-stage of this generation makes them unique to other cohorts. Being young they have different priorities to older generations. They generally have no financial commitments, thus over 70% of their income is spent arbitrarily, with the majority going on entertainment, travel, and food. They have different recreational pursuits to other generations with their top 3 spare time activities being: “go to a party” (74%); “listen to the radio” (74%); and “go to a movie” (72%). The point is that people operate in different ways because of their age. However age is not the sole reason for generational behaviours otherwise teenagers today would be indistinguishable from teenagers of a generation ago. Yet this is clearly not the case, and it is because life-stage is just one of three broad factors that differentiate the generations.
The current economic, social, and political conditions which we all live under actually further divide the generations. The same conditions act upon people of different ages in different ways. Take text messaging on mobile phones as an example: the technology is available to all, however 74% of messages are sent by Generation Y’sv and so they are developing the new text language (eg “CU L8R” for “see you later”).
Experiences that occur during the formative childhood and teenage years also create and define differences between the generations. These social markers create the paradigms through which the world is viewed and
decisions are made.
Baby Boomers were influenced by the advent of the TV, Rock and Roll, the Cold War, Vietnam War, the threat of nuclear war, and the decimal currency.
Xers saw in the Personal Computer, AIDS, single parent families, the growth in multiculturalism, and the downsizing of companies.
Generation Y’s have lived through the age of the internet, cable television, globalisation, September 11, and environmentalism. Such
shared experiences during one’s youth unite and shape a generation. There is an ancient saying that bears much truth: “People resemble their times more than they resemble their parents”.
A little insight to the X Generation…
Generation X is a term used to describe a group of people born from 1964 to the early 1980’s the United States and Canada. This generation follows the powerful Baby Boomer generation which spiked after World War II. Although the term Generation X is used to describe people born in this time period, it has also been used to describe anyone who is “twentysomething” at the time. The biggest impact that Generation X has had on popular culture probably began in the 1980s and peaked in the 1990s.
While the term Generation X can be used to describe a wide group of people, it has come to be popularly accepted that members of this generation, wrought in the shadow of the Baby Boomers, felt alienated and disenfranchised by the cultural icons of the time. “X” described the lack of identity that members of Generation X felt — they didn’t know where they belonged, but knew for sure that they weren’t a part of the overbearing generation of Baby Boomers.
The media played its part in promoting the Generation X stereotype by portraying them as grunge-listening, Starbucks-drinking, flannel-donning slackers who were quietly revolting against their overachieving, conservative Baby Boomer parents or older siblings. While the term Generation X has been used by a more punk faction of the generation, it has also labeled a group of musicians and actors represented by Eddie Vedder of Pearl Jam and Janeane Garafolo of the movie Reality Bites. While Gen-Xers probably feel passionate about some things, in general they have been portrayed as apathetic, disaffected twentysomethings with no course in life.
Writer Jane Deverson was the first known person to use the term Generation X in 1964. In a study of British teenagers for Women’s Own magazine, she came across a group of teenagers who were living outside of acceptable conservative mores by sleeping around, rejecting religion and disobeying their parents. When this group was rejected for use in the magazine, she co-authored a book with Charles Hamblett called Generation X.
The idea of Generation X exists in many other cultures around the world. In France, people of a similar age are labeled, Génération Bof, translated to “Generation Whatever.” Why Generation X feels as it does is another question. Many believe that the transition from colonialism to globalism and the relative safety many Americans enjoyed after World War II had an effect. Gen-Xers’ parents had marched for equal rights and felt the impact of Kennedy’s assassination, possibly giving them a stronger sense of social responsibility. Skyrocketing costs in housing and education in the 1980s and 90s, coupled with intense competition from overachieving Baby Boomers, may also have alienated Gen-Xers.
written by: The Australian Leadership Foundation Suite 12, 1-7 Belmore Street, North Parramatta NSW 2151 Australia P: (02) 9890 5363
This is the first of a series of articles to help you be a saver not a “week by week-er”.
Budgeting for many people is hard to do and not very exciting. Yet living from week to week financially is very stressful and can be easily avoided.
Simply put, everyone needs to live with-in their means and have a budget. It can be simple and is really just habit.
As I write this, I am working out what to pay my 16 y o daughter for washing the cars on the weekend. She knows the rules, when she gets paid- save half and spend half. The spend half she also needs permission on what she can buy. Sounds tough you say, well she is a 16yo girl with $200 in her wallet and $300 in her piggy bank ready to be banked and a share portfolio (and yes a social life).
The world of Gen Y finances is unique. People of the minute, are a generation unsuited to thinking of the long-term and are definitely unused to the idea of saving for the long-term. Or at least half are. According to a survey conducted by the American Savings Education Council, 51% of American youth are saving for a long-term goal. I would assume the number is fairly similar in Australia1.
There is no need to add yet another article to the pile of harping missives trying to frighten ‘young people these days’, talking about superannuation and recessions and financial security. Instead, let’s look at what you can do today so when tomorrow arrives (and yes, I know we’re all immortal and there is no such thing as tomorrow and we’ll never get old. Noted), when tomorrow arrives, you will be financially prepared for it.
Some basic tips:
Overestimate your spending when you budget
- MSN Money suggests this is a great place to start. Taking into account a youthful proclivity to forgetting the true cost of living, the article suggests that you set your expenses high and you will end up with cash left over, as opposed to having to use your credit card to cover the unexpected costs incurred month to month.
- In your financial journal or budget have two columns. One for expected spending, one for actual costs. You’re aiming to have the actual costs smaller than the amount you budgeted for. That way you’ve got a bit of emergency financial fat, and an amount you can add into your savings account on a regular basis.
Pay yourself first (this mean save first)
- Out of sight, out of mind. Gen Y is constantly confronted with a new distraction and thinking of the next thing, so why not use that mindset to your financial benefit? Don’t just save whatever is leftover at the end of every week, as recommended above, but also put aside some savings straight up. As soon as your income comes in, set up a direct debit into a savings account.
- Don’t do it manually as, while you might be disciplined today, it may desert you tomorrow. Do it first, and you won’t even miss the money.
Spend cash – avoid the plastic credit card.
Get your slip on
- The government has set up a number of systems to make paying tax and super relatively painless. All you have to do is go with the flow. Check that your employer is signed up to PAYG and that super is additional to your wage. Keep an eye on your payslips, and you should be set.
Some Strategies to Save Money:
Shopping around and be patient- no impulse buying.
- Always shop around for the best deal. If you give in and just pay the first price you get given for anything, you can almost be certain you have lost out on money potentially saved.
Minimising your debts
- If you have debts over your head, your ability to save extra money for investments and rainy day funds goes right out the window. Minimising your debts will allow you to save more money, and focus on creating and maintaining wealth. Of course, saving money tips that are found on this site are perfect for enabling you to put more money towards your debt by not spending as much on other items in life.
- In order to fully understand your financial commitments and standing, one must create a way of identifying problem areas and areas that could be improved upon. A personal budget is the perfect way to save money, utilising a strong understanding of tips of budgeting we have written a number of articles to explain how to best go about it. Personal finance budgeting is very important .
Start a nest egg
- People forget just how important it is to save money and ensure they have a nest egg for the future. Yes we have superannuation for this, but at the same time we need to build up some rainy day funds to allow us to have substantial cash flow when we need big ticket items, like cars or properties.
Start thinking about Superannuation
- Our last but not least topic, is Superannuation, otherwise known as Super. Everyone must realise just how important superannuation is, it is the backbone to our retirement, it is the key to a prosperous old age. Considering that at our current 9% super rate we will NOT have enough money to retire come 55 years of age, we should be making every effort to try and add our own super contributions and locate our lost super before we lose it. Here are some useful links for you regarding Superannuation:
- Locate your lost super
- Super co-contribution scheme
1 Information in this article obtained from savingsguide.com.au. Posted by: Francesca Sidoti