Consumers who only make the minimum repayment on their credit card could be paying hundreds of dollars a year in high interest payments. To help, BETA partnered with the Treasury and Westpac to see if reminders could encourage consumers to pay earlier and save money. We found any type of SMS reminder resulted in a $134 (28 per cent) increase in repayments in the following month, compared to those who received no message. However, different SMS messages all had a similar impact and we were unable to detect an effect from sending email reminders. Overall, the findings suggest that sending an SMS reminder to credit card consumers before their payment due date is a simple, cost-effective way to improve their financial wellbeing.

"It is timely that the higher education sector examines paths forward to address and indeed engage in the new environment in which it will work in the future. This fellowship explored two approaches to engage students more deeply in their education. The first approach is generally termed 'interdisciplinary studies' where students define their own program of study; the second approach focuses on topic structure where students are given a wide range of choice and in effect can build a topic that suits their interests."--Page iv.

"This study contributes to the limited evidence available on how invitational narrative approaches are used in the domestic and family violence field. It focused on invitational narrative ways of engaging and working with men who perpetrate domestic and family violence. Focusing on the processes and skills of practice embedded in invitational narrative ideas enabled the examination of different ways of engaging men that have the potential to lead to sustained change. Accordingly, the main aim of this study was to explore invitational narrative ways of working in order to build an understanding of the processes and skills that engage men and enable behavioural and attitudinal change." --Executive summary (page 6).

This handbook outlines the diversity of matters submitted to the Executive Council and presented to the Governor-General and Executive Councillors.

This evaluation report identifies experiences, motivations, supporting mechanisms, barriers and impacts of fee-for-service commercial activities undertaken by Indigenous Land and Water Management (ILWM) organisations. The report draws on a literature review, interviews with ILWM organisations, administrative data, in-depth case studies, and online survey data.

Told from two points of view: Drake: Most guys like their dads. Most guys aren't the son of the literal devil. When Daddy Dearest tells me its unseemly for the last living son of the Lord of Hell to be unmarried, I hate to think who he has in mind. Until, I remember I'm technically already married. Yeah, she's human and I was all of eight at the time. But, still counts. Now I just need to get my wife to Hell for a meet and greet with Pops and send her back home. Except, our marriage won't technically be legit until it's consummated. And I don't know that I want to send her home... Wren: Most girls live normal lives. Most girls aren't married to the devil's son. There is something weirdly familiar about the new guy next door, but I can't place it. Then a weird little demon thing turns up in my room to tell me a prince of Hell wishes for an audience with me. Oh, yeah. And, apparently - while I'm not even eighteen yet - he's my husband? So, I find myself stuck in Hell with a husband. And, I guess I don't hate it as much as I thought I would. There's always something going on and things to discover. And soon, I don't know that I want to go home.

This report provides an overview of the implementation of the Water plan (Mary Basin) 2006 and summarises the findings of the assessments undertaken for the last five years. The plan supports urban water supply and a variety of industries including significant agricultural production, a growing tourism industry and fisheries.

The Productivity Commission is to investigate the long-run economic impacts of transport regulatory reforms agreed by COAG in 2008-09 relating to heavy vehicle safety and productivity, rail safety and maritime safety and to make recommendations for further reforms towards a more integrated national market for transport services.

Two Aboriginal Elders, one of whom had been removed from her family as a child, and the other who was affected by siblings and other family members being removed, provided consent to share their personal stories specifically for this resource, with the vision that people would be better informed and communication improved when delivering care. To respect their privacy, their stories have been de-identified.

This paper assesses whether the Newstart Allowance for unemployed people should be increased. It investigates the relationship of the Newstart Allowance to Average Weekly Earnings, the Federal Minimum Wage, and Australian poverty lines, and considers the typical the duration of unemployment and long term unemployment, duration of time on income support, overseas allowances, cost of living, and a comparison with policy makers' remuneration. It finds that the value of the allowance has eroded since it was first set and that unemployment for many is not a transitional situation, and concludes that an increase is warranted to bridge the gap to the poverty line.

"... The report has been prepared for the purpose of highlighting several areas of concern I have about governance arrangements in SA Health that contribute to risks of corruption, misconduct and maladministration...." -- page 4.

In 2017 the Department of the Prime Minister and Cabinet and Australian Defence Force (Australian Army) undertook a joint review of the Army Aboriginal Community Assistance Programme (AACAP) to assess its efficiency and effectiveness. The review found AACAP is a highly regarded and effective means of achieving positive environmental and primary health outcomes for Aboriginal and Torres Strait Islander communities while providing valuable training outcomes for Army. AACAP's objectives align with the Council of Australian Governments (COAG) 'Closing the Gap' targets in Indigenous disadvantage and with the Australian Government's Indigenous Advancement Strategy (IAS). The report identified areas for potential improvement, recommending greater support for the sustainability of infrastructure and project investment, enhanced employment and training opportunities and strengthening of project governance.

The Regional Recycling Transport Assistance Package provides funding to support resource recovery and recycling in regional Queensland, helping fund the costs of transporting recyclable material from regional Queensland to facilities where it can be recovered or processed and turned into new products. Details regarding eligible applicants, projects and costs are provided in these guidelines.

The use of behavioural insights in public policy has traditionally focused on small, low cost 'nudges' to improve communications, increase compliance and enhance the way services are delivered. But BETA has begun to look beyond to identify a smaller set of 'richer veins' where BI can offer high financial and social impact. These areas includes consumer choice, financial decision-making and personal wellbeing.

The National Agreement for Skills and Workforce Development (NASWD) was agreed by the Australian, State and Territory governments in 2009 and updated in 2012. The NASWD sets out goals for skills attainment by Australians through the vocational education and training (VET) system and commitments to reforms to ensure that the system is accessible, produces high quality services and operates efficiently. This study will assess progress made by governments against the NASWD, and whether the agreement is still an effective long-term framework for government policy and cooperation.

"The HIV resilience framework will be of relevance to a wide range of people involved at all levels of the HIV response. We hope it provides encouragement for government decision makers and policy developers to pursue consistent and enabling policy and legislative environments and work cooperatively between jurisdictions and across departments to achieve best practice. Our consultation suggests that consistent legislation with the goal of supporting strong health outcomes, making disclosure safe, and eliminating stigmatising laws is crucial to creating environments in which people with HIV feel safe to access testing, treatment, and care. The HIV resilience framework also contains valuable insights for those who have responsibility for HIV health program management and service delivery, providing guidance to help ensure that programs, services, interventions or strategies supporting people living with HIV are developed and delivered in a way that is mindful of the interlinked twin goals of building personal resilience and eliminating stigma and discrimination." --President's message (page 6).