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Speaker 1: You're listening to a Mumma Mea podcast.

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Speaker 2: Mumma Meer acknowledges the traditional owners of land and waters

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Speaker 2: that this podcast is recorded on.

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Speaker 1: Hey, I'm Taylor Strano. This is Mumma Mer's twice daily

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Speaker 1: news podcast, The Quickie. Earlier this week, the Reserve Bank

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Speaker 1: of Australia cut interest rates for the third time this year.

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Speaker 1: But what does that look like for those of us

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Speaker 1: with mortgages, maybe for renters or first home buyers, and

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Speaker 1: what does it tell us about the economy in general. Plus,

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Speaker 1: the Internet is known for its wealth of information and advice,

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Speaker 1: but at the same time it's also largely known for

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Speaker 1: its misinformation, especially when it comes to health. Alarming numbers

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Speaker 1: of young people are heading to TikTok for help with

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Speaker 1: birth control, despite major new studies showing it could end

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Speaker 1: in confusion, mistakes, and unintended pregnancies. Before we get there,

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Speaker 1: here's Claire Murphy with the latest from the Quicki newsroom

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Speaker 1: for Thursday August fourteen.

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Speaker 2: Thanks Taylor. Israeli Prime Minister Benjamin Netanya, who has resurfaced

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Speaker 2: an idea also enthusiastically floated by US President Donald Trump

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Speaker 2: that Palestinian should simply leave Gaza. Speaking to Israeli television

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Speaker 2: mister Netanya, who said they're not being pushed out, They'll

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Speaker 2: be allowed to exit, and that all those who are

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Speaker 2: concerned for the Palestinians and say they want to help

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Speaker 2: the Palestinians should open their gates and stop lecturing. Israel,

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Speaker 2: Arabs and many world leaders do not support the idea

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Speaker 2: of displacing the Ghazan population, which Palestinians say would be

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Speaker 2: like another Nakbar or catastrophe when hundreds of thousands fled

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Speaker 2: or were forced out during a nineteen forty eight war.

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Speaker 2: Israel's planned re seizure of Gaza City, which it took

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Speaker 2: in the early days of the war before withdrawing, is

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Speaker 2: probably weeks away. Officials say that means a ceasefire is

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Speaker 2: still possible, though talks have been floundering and conflicts still rages.

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Speaker 2: Another one hundred and twenty three people killed in the

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Speaker 2: past day, according to the Gaza Health Ministry. Our details

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Speaker 2: have been revealed about the shot fired at Sydney Airport yesterday.

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Speaker 2: The gun, a short barrel rifle belonging to an Australian

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Speaker 2: Federal Police officer, went off during a tussle with a

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Speaker 2: forty one year old Victorian man who was being arrested

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Speaker 2: after becoming aggressive when officers question him. Airport staff had

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Speaker 2: reported that he was acting suspiciously. The bullet ended up

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Speaker 2: lodged in the oven of a nearby cafe. Luckily, no

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Speaker 2: one was injured. The incident is being investigated. The AFP

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Speaker 2: acting commander refusing to say whether the officers are meant

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Speaker 2: to have their guns safety feature activated while on patrol. Catherine,

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Speaker 2: the Princess of Wales has released another of her Mother

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Speaker 2: Nature series of videos on her social media narrating a

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Speaker 2: story about how people, along with flowers blooming and fruit ripening,

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Speaker 2: also have the potential for growth in the warmer months

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Speaker 2: as we bask in the sun, lettowers, friends and families

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Speaker 2: come together.

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Speaker 1: Playing connecting cleare present.

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Speaker 2: The video shows people enjoying the outdoors, Catherine reminding us

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Speaker 2: to ignite our inner fire and explore our own creativity,

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Speaker 2: passions and dreams. The days are still long, so simply

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Speaker 2: love and be loved us. President Donald Trump has announced

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Speaker 2: that country musician George Straight, action movie star Sylvester Stallone,

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Speaker 2: and rock band Kiss will be celebrated with the twenty

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Speaker 2: twenty five Kennedy Center honors English stage actor Michael Crawford,

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Speaker 2: known for the Phantom of the Opera and I Will Survive.

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Speaker 2: Singer Gloria gain Or will also be honored at the

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Speaker 2: event later this year, which will be hosted by Trump himself,

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Speaker 2: telling reporters he was asked to host the event, which

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Speaker 2: will air on CBS in December, and reluctantly accepted. Trump

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Speaker 2: saying they're going to say that he insisted on hosting

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Speaker 2: it himself, but claims he didn't. Trump did not attend

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Speaker 2: events at the Kennedy Center during his first term, but

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Speaker 2: has taken a keen interest in it this time around,

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Speaker 2: vowing to overhaul an institution he and his Make America

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Speaker 2: Great against supporters view as too progressive. He pushed out

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Speaker 2: its chairman in February and took on the role himself,

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Speaker 2: fired its longtime president, and installed his former ambassador to Germany,

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Speaker 2: Richard Grennell, as interim president. He also has plans to

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Speaker 2: renovate the space, saying he will make it a crown

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Speaker 2: jewel of arts and culture in the United States. Since

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Speaker 2: returning to power in January, Trump has sought to put

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Speaker 2: his stamp on US culture and institutions to align them

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Speaker 2: closer with his political and personal preferences. His administration has

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Speaker 2: ordered a review of some Smithsonian museums and exhibitions to

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Speaker 2: remove divisive or partisan narratives. At the White House, Trump

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Speaker 2: has added gold leaf to the Oval Office, paved over

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Speaker 2: the Rose Garden, and embarked on plans for a US

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Speaker 2: two hundred million dollar ballroom.

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Speaker 1: Thanks Claire. Next your guide to the recent rate cuts.

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Speaker 1: So some good news for mortgage holders. This week the

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Speaker 1: Reserve Bank announced they're cutting interest rates again. It's the

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Speaker 1: third rate cut this year, and this time it's a

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Speaker 1: quarter of eight percent, taking the official cash rate down

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Speaker 1: to three point six percent. That's the lowest we've seen

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Speaker 1: it in more than two years. If you've been tracking

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Speaker 1: the cut since February, the total monthly saving now adds

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Speaker 1: up to about two hundred and seventy bucks. All of

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Speaker 1: the big four banks that say and ZED, Westpac, Commonwealth Bank,

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Speaker 1: and NAB say they'll pass the cut on in full

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Speaker 1: to their variable rate customers. But if yours hasn't, this

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Speaker 1: could be a good time to shop around. So why

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Speaker 1: the cut this time?

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Speaker 3: The reason why the RBA did cut the cash rate

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Speaker 3: in August was that they were waiting on some data

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Speaker 3: to make sure that inflation wasn't out of control. They

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Speaker 3: like to operate in a bed of say two to

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Speaker 3: three percent, so they were waiting on some quarterly data

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Speaker 3: to come through to make sure that inflation was still

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Speaker 3: tracking where it should be. They were waiting on some

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Speaker 3: job number data as well. Essentially, they wanted to make

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Speaker 3: sure that the economy was in a good position to

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Speaker 3: still handle another rate cut without spiking inflation.

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Speaker 1: That's efzahas Money editor at nine News. We have her

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Speaker 1: to break down what these cuts mean for different people

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Speaker 1: in different situations, starting with homeowners with a mortgage.

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Speaker 3: Homeowners would have been very happy to hear of the

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Speaker 3: third rate cut this year. Essentially it does put more

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Speaker 3: money in their pocket. Having said that the last two

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Speaker 3: rate cuts, homeowners are saving that money. Naturally, they're concerned,

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Speaker 3: they're uncertain, so they're not willing to cash in any windfall.

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Speaker 3: But this is the third rate cut we've now had,

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Speaker 3: So someone on a six hundred thousand dollars mortgage would

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Speaker 3: find that they would save just on the August rate cut,

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Speaker 3: about eighty nine dollars a months. You put the three together,

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Speaker 3: that's two hundred and seventy two dollars a month. That's

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Speaker 3: quite a lot of money. Now, that's serious. This is

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Speaker 3: when savings start to snowball. And so what we may

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Speaker 3: find now is some homeowners will think, I'm feeling a

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Speaker 3: little bit better. I might take some of this windfall

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Speaker 3: now to help pay for grocery bills or my energy bill,

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Speaker 3: or maybe even splurge it a little bit. And that's

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Speaker 3: exactly what the RBA wants.

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Speaker 1: Okay, but what about people who are trying to buy

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Speaker 1: their first home.

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Speaker 3: For people wanting to buy property, this may sound like

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Speaker 3: good news because for every zero point two five percent

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Speaker 3: rate cut, the average income earner can borrow an extra

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Speaker 3: eleven thousand odd dollars. We've had three rate cuts. That

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Speaker 3: means you're borrowing power has gone up, you're a little

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Speaker 3: bit richer, you're about thirty odd thousand, you can borrow more.

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Speaker 3: But remember your mate next to you can do the

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Speaker 3: same thing. And if you've got two people bidding on

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Speaker 3: a property, what typically happens the price goes up.

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Speaker 1: And what about our renters.

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Speaker 3: Renters have been doing it tough, there's no doubt about it.

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Speaker 3: Even looking at the latest inflationary figures. Housing is one

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Speaker 3: of those buckets that are pushing inflation up, and food

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Speaker 3: is still pressure points. We have been seeing that rents

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Speaker 3: are not increasing as fast. That's not to say that

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Speaker 3: they're high, they're just not increasing as fast. What happens

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Speaker 3: typically is that when rates go up, landlord's feeling the pain.

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Speaker 3: They've got to pay their investment property loan, so they

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Speaker 3: do put that pain onto their tenets as well. It

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Speaker 3: is a case of a supply supplies a big issue here,

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Speaker 3: and that's keeping prices up. But hopefully what renters will

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Speaker 3: see is that their rental might be going up as much,

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Speaker 3: and hopefully it's starting to track down a little bit,

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Speaker 3: but there's still a lot of pain there. In theory,

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Speaker 3: if your mortgage goes down on your rental property, you

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Speaker 3: might like to pass it on to your tenant, but

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Speaker 3: there's nothing stopping you from spending it yourself. You've probably

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Speaker 3: got your own mortgage as well, and you want to

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Speaker 3: pay that off faster.

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Speaker 1: So while these cuts are generally welcomed, what do future

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Speaker 1: decisions look like and could there be even more cuts

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Speaker 1: on the way. RBA Governor Michelle Bullock says any future

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Speaker 1: decisions will be made meeting by meeting, depending on how

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Speaker 1: the data looks, but some experts have started laying out predictions.

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Speaker 3: There's only three more meetings for the RBA this year,

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Speaker 3: and the RBA made it very clear in their minutes

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Speaker 3: that they're going to be cautious their data driven. They

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Speaker 3: want to see the numbers before they make any kind

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Speaker 3: of action. The next quarterly inflation figures don't come out

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Speaker 3: till the end of October, so we probably may not

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Speaker 3: see any movement in September. They may want to wait

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Speaker 3: on that data so that it might be the first

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Speaker 3: rate cut in November. When you look at their pricing

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Speaker 3: their forecasts the RBA is that factored in are possible

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Speaker 3: two to three rate cuts by the end of next year,

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Speaker 3: and most economists are predicting two to three rate cuts.

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Speaker 3: So we may see a rate cut every quarter between

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Speaker 3: now and the end of next year. Anything is possible.

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Speaker 1: It feels like just about every health question can be

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Speaker 1: answered by social media. Is it normal to feel this

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Speaker 1: way after eating hot chili? Should my toenails look like that?

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Speaker 1: Unusual hair growing in my armpit? I should say none

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Speaker 1: of those above questions have ever been pondered by me,

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Speaker 1: but if they were, I'm not sure. Social media is

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Speaker 1: the first place I'd go looking for answers. However, when

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Speaker 1: it comes to contraception, TikTok is now one of the

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Speaker 1: top places young lozzies are going for advice. More than

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Speaker 1: half of the most popular TikTok videos about birth control

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Speaker 1: come from influencers, hormonal health coaches, or everyday users sharing

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Speaker 1: their own stories. Will very few are actually made by

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Speaker 1: medical experts. Think of it like your high school friend

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Speaker 1: telling you about the effectiveness of the pull out method,

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Speaker 1: but like on a mass scale. And look, there's no

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Speaker 1: shame or judgment here. But when it comes to actively

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Speaker 1: seeking out advice for something as serious as contraception, maybe

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Speaker 1: crowdsourcing info from TikTok isn't the best place to start.

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Speaker 1: A recent study out of Latrobe University found that most

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Speaker 1: of these videos are not just unhelpful, but seriously misleading.

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Speaker 1: The research shows that over half ak fifty three percent

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Speaker 1: of TikTok creators reviewing birth control advice actually reject hormonal contraception,

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Speaker 1: meaning methods like the pill are uds or patches. Instead,

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Speaker 1: nearly forty percent we're promoting natural methods like cycle tracking

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Speaker 1: and fertility awareness, often without warning viewers that these methods

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Speaker 1: are far less reliable if use solo. Also, almost a

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Speaker 1: third of these videos express distrust in doctors or health professionals,

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Speaker 1: suggesting you're better off listening to someone's lived experience than

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Speaker 1: a qualified expert. And while a person's lived experience is

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Speaker 1: always valid, we know that there is no one size

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Speaker 1: fits all approach when it comes to health, especially reproductive health.

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Speaker 1: So what are the risks? Well, TikTok's huge reach means

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Speaker 1: misinformation spreads fast. With billions of views on birth control hashtags,

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Speaker 1: young people may get confused, skip medical appointments, and make

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Speaker 1: decisions by on partial truths or personal anecdotes. All this

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Speaker 1: increases the risk of unplanned pregnancies and unnecessary anxiety around contraception,

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Speaker 1: especially when only ten percent of that content being made

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Speaker 1: is actually from a healthcare professional. Researchers say the solution

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Speaker 1: isn't shaming or banning TikTok, but making sure more experts

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Speaker 1: use the platform and encouraging doctors to work with patients

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Speaker 1: as a team when deciding on contraception. Doctor Caroline D.

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Speaker 1: Moel Mandel is from La Trope University's School of Psychology

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Speaker 1: and Public Health. She's been looking into the rise of

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Speaker 1: contraceptive advice on TikTok. Caroline, Let's start with who is

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Speaker 1: actually spreading information on this platform. What kind of people

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Speaker 1: are posting about contraception on TikTok? Is it more doctors

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Speaker 1: and healthcare professionals or the average everyday person.

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Speaker 4: Yes, that's a very good question. So in our study,

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Speaker 4: we actually examined one hundred of the most popular TikTok

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Speaker 4: videos about contraception, and they had nearly five billion fuels,

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Speaker 4: and most of the uploaders were actually influencers or general users,

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Speaker 4: so that was about fifty eight percent and thirty percent

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Speaker 4: where from those so called hormone health cultures and wellness educators,

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Speaker 4: so not medical professionals, and ten percent came from medical professionals.

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Speaker 1: Were there common themes with what advice was being dished out?

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Speaker 1: Were people being warded off traditional birth control for alternative ideas?

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Speaker 4: Oh yes absolutely. So many of the video shared their

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Speaker 4: negative experience, so that was mainly those influences or general users,

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Speaker 4: so negative experiences with contraceptive bill More than half of

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Speaker 4: the content creators explicitly actually rejected hormonal contraception, and a

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Speaker 4: third expressed distrust in health professionals, which was something that

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Speaker 4: we didn't really expect, and most videos reflected the common

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Speaker 4: trend that we nowaday see to be hormone free. So

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Speaker 4: they promoted the effectiveness of natural birth control methods, often

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Speaker 4: using those specific fertility tracking apps that are around.

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Speaker 1: It's one thing to share your personal experience with something

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Speaker 1: like a medical contraception, either device or peel, whatever it

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Speaker 1: may be. But why is it wrong to spread that

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Speaker 1: online or promote something like a natural alternative or like

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Speaker 1: an app for instance. Is there actually an issue with

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Speaker 1: doing that?

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Speaker 4: I don't believe that. It's something that people do because

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Speaker 4: they want to spread information. It's based by personal experiences

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Speaker 4: and beliefs, but that of course is not evidence based.

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Speaker 4: So TikTok if a platform that allows people to express

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Speaker 4: their feelings and to foss solidarity among others with similar experiences,

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Speaker 4: so they sort of show what's happening among women in

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Speaker 4: the world right now.

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Speaker 1: So it's a good thing, I guess then, to have

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Speaker 1: that conversation if it's happening somewhere like TikTok where it's

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Speaker 1: reaching a lot of people. But what are the risks

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Speaker 1: of having that information so easily spread across the internet.

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Speaker 4: First of all, it's a bad thing because a lot

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Speaker 4: of the information that it's on there is not correct.

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Speaker 4: So it's what people feel and experience, but it's not

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Speaker 4: based on evidence. And of course those non medical professionals,

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Speaker 4: they promote fertility awareness based apps, and even though those

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Speaker 4: methods can be effective, they don't disclose their limitations. There

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Speaker 4: is a lot of biological variability, dependence on motivation. You

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Speaker 4: have to take your temperature every day. At the same time,

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Speaker 4: your partner needs to cooperate in those periods that you're

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Speaker 4: not allowed to have sex because otherwise you can get pregnant.

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Speaker 4: So they are not effective as such. And of course

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Speaker 4: when people make their decisions on what contraception methods they

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Speaker 4: want to use based on that misinformation, there might be

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Speaker 4: a risk of unplanned pregnancies, which really concerned us.

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Speaker 1: Is there a benefit to this conversation happening online though, Caroline,

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Speaker 1: I mean, shouldn't while we know we shouldn't be taking

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Speaker 1: medical advice as gospel truth from TikTok? Is it a

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Speaker 1: good thing that it can potentially start that conversation with

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Speaker 1: your healthcare provider.

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Speaker 4: Yeah, And I think that that was also one of

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Speaker 4: the things that really came out of our studies that

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Speaker 4: women are you know, not having that discussion anymore with

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Speaker 4: their healthcare advisors because they don't feel hurt, they feel

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Speaker 4: coerthed into using hormonal contraception. But TikTok is also a

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Speaker 4: platform that can empower women as long as it provides accurate,

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Speaker 4: relatable information. So if we can pick up that part,

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Speaker 4: and as healthcare providers, that is something that we have

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Speaker 4: to look into, we can actually try to provide accessible

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Speaker 4: information to everybody.

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Speaker 1: Maybe that's a role then that healthcare providers can play

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Speaker 1: if people aren't going to come to and they can

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Speaker 1: bring the information to people meet them where they're at,

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Speaker 1: which is on TikTok.

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Speaker 4: Yeah, yeah, absolutely, that might be a good thing that

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Speaker 4: comes out of this. But of course this requires training

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Speaker 4: as well. You know, it's hard to talk to somebody

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Speaker 4: with a lot of resistance and scepticism within a consultation.

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Speaker 1: We can't doctors just to become TikTok influencers overnight, and

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Speaker 1: that's totally fair.

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Speaker 4: No, no, no, and I don't think that's necessary as well.

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Speaker 4: It's just the awareness needs to be there and the

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Speaker 4: conversation needs to be ongoing. That's basically what I hope

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Speaker 4: will come out of this, and as public health providers,

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Speaker 4: I think we need to step into this and use

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Speaker 4: TikTok as a platform that can be very beneficial young

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Speaker 4: people that seek advice.

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