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10 things you need to know this morning in Australia

The death toll from the Indonesian earthquake and tsunami hits 800. Test rugby's plan for a proper global competition. Musk declares Tesla about to make a profit.

Francesco Molinari took a beer shower, Tommy Fleetwood crowd-surfed, and Ian Poulter dressed up as a red post box after Europe trounced the US in the 2018 Ryder Cup

Europe just trounced the United States in the 2018 Ryder Cup.

I'm a financial planner, and I repeatedly watch smart people make the same investing mistake

Successful investing isn't about timing the market, it's about time in the market.

What happens if you stopped brushing your teeth

Kidney disease and dementia. An urge to support Collingwood.

Theresa May gives standing ovation to speech branding Boris Johnson 'irrelevant and offensive'

Lord Digby Jones savaged the former foreign secretary.

Kellyanne Conway reveals that she is a victim of sexual assault in emotional CNN interview

Conway condemned the "raw partisan politics" that she said are dominating the confirmation process.

Former Navy SEAL commanders say the '4 laws of combat' are easily adapted to the business world

Jocko Willink and Leif Babin are former Navy SEAL commanders who have worked with more than 400 businesses since founding their leadership consulting firm, Echelon Front, in 2010.

Take a look inside the Freemasons' oldest Grand Lodge in the world

The lodge is home to 200,000 Freemasons and is located in Covent Garden, London. There's not a greasy turkey in sight.

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The 10 most important things in the world right now

Hello! Here's what's happening on Friday. 1.

The Royal Commission calls into question the pay regimes across Australia's entire banking industry

A dirty four-letter word is at the heart of Australia's financial industry. Sell.

ANZ's credit impulse points to smaller house price falls ahead

ANZ Bank is forecasting that Australian home prices will fall 4% this year and 2% next.

Royal Commission: Banks decided their own punishment withhollow promises to do better

Punishments amounted to just $1.3m over 10 years.

Macquarie's CEO is likely to be a 'person of interest' in German share-trading investigation

CEO Nicholas Moore and incoming chief Shemara Wikramanayake are expected to be included as "persons of interest or suspects".

Casual Australian retail staff were just handed a 15% pay rise for working Saturdays

The Fair Work Commission increased penalty rates casuals working Saturdays and after 6pm weekdays 150% of the ordinary hourly rate.

Telstra has refunded $9.3 million to 72,000 customers over misleading third party charges

The refunds come on top of the $10 million penalty the telco paid over false or misleading representations about charges for digital content, such as games and ringtones.

Here's how Australian couples divide their financial responsibilities

Two-thirds of Australian women (64%) take control of grocery shopping, says a survey by HSBC. But men tend to be in charge when a decision has to be made on larger purchases, such as a car.

Halle Berry credits cardio with boosting her sex drive — and science says she's right

Halle Berry's #FitnessFriday posts on Instagram frequently feature helpful workout tips - including this one about how cardio can enhance women's sexual arousal.

'Too often, the answer seems to be greed': The royal commission's damning first report is out

Commissioner Kenneth Hayne declared "greed" was a primary motivator.

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