The Best of Us: ProPublica Illinois 2019 – ProPublica

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Well, that was a year. Im not feeling particularly reflective about 2019, reader, or able to offer you a pretty bow to tie it all up. But I am going to make a list for you. You could say its our ProPublica Illinois Best of 2019 list, but this type of thing always raises the question: Best of what?

Our most popular stories? The ones with the most impact? Sort of both? Since we first started this newsletter in the fall of 2017, I promised it would be personal but not too personal. In light of that commitment, Im calling this list ProPublica Illinois at Its Best, or The Best of Us. In our second(ish) year of existence, heres a selection of our work, mostly organized chronologically, that, as a whole, shows who we are as a newsroom, what we do and why we do it. Ready?

First up, video gambling. In January, we published the first part of an ongoing investigation into how the legalization of video gambling has transformed Illinois. This story revealed how video gambling not only failed to help pull the state out of its financial tailspin, as was promised, but actually made it worse. It exemplifies the hard-hitting accountability reporting we do, and it also highlights how we collaborate within our newsroom, combining the strengths of data, news applications and engagement journalism. You can read subsequent parts of this project here.

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Our newsletter is written by a ProPublica Illinois reporter every week

This story is both big-picture and detailed, contextual and relevant. It examines the troubling inner workings of Chicago politics and how, for decades, that structure has partly relied on favor-trading to keep the mayor in control of the City Council and aldermen reigning over their wards. Also, reporter Mick Dumke hosted an excellent night of live-tweeting from our @ProPublicaIL account on the night of Chicagos mayoral election, including several on-point takes, soundtracks and a pet cat or two.

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In 2018, we published a series of stories about allegations of abuse and lax supervision of immigrant children and teens held at Chicago-area shelters, many of which are run by the nonprofit Heartland Human Care Services. In March 2019, we reported that, after public scrutiny and staffing issues, Heartland was closing four of these facilities. This was one of a number of stories we also published in Spanish this year.

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Our investigation into the failures of the states child welfare agency to adequately serve Spanish-speaking children in its care raises questions such as this one by an Illinois lawmaker: How in 2019 do we not have enough Spanish-speaking caseworkers? This piece centers on the narratives of three different families across more than 40 years who were affected by the states failure to follow a consent decree requiring it to place children in its care whose parents primarily speak Spanish in foster homes where that language is spoken. To report this story, we also had to go to court to fight for our right to publish it, as a Cook County judge initially ruled that we couldnt publish certain information involving one of the families but later loosened these unusual restrictions, calling her previous order overbroad. In response to our reporting, the state agency pledged to hire more bilingual workers and better track foster care placements, among other reforms.

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Its likely youve heard of or have already read this story, though perhaps you didnt know we broke it. It was our most-read article of 2019. Heres how the scheme worked: First, parents turned over guardianship of their college-bound teenagers to a friend or relative. At 18, the student declared financial independence to qualify for tuition aid and scholarships. The story drew national attention and prompted the state and federal governments to take action to try to close that loophole. Additionally, we wrote a piece that explained how we reported this story, including how it first came to us via a tip.

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In February 2018, we first reported on how Chicago ticket debt sends black motorists into bankruptcy. We revealed how the city also relied on ticketing as a tool to raise revenue. We published a database of more than 28 million parking and vehicle compliance tickets, and we used that data to fuel a news application, The Ticket Trap, which allows Chicagoans to learn more about ticketing in their wards.

We wrote about how we collaborated with WBEZ, created an event toolkit modeled after our event in March, and made sure that, through all our reporting, the stories of people most affected by this issue were front and center. The issue became a spotlight in this years mayoral race, and in September 2019 more than 30 published pieces of journalism later state and local impact happened. Theres a lot about this series that showcases the best of us, but perhaps this ethos describes it best: We stick with our stories until we see results. Speaking of which, on Tuesday we published an update about how many people applied for the citys ticket debt amnesty program. Hint: It is not that many.

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In ProPublica Illinois early days, I wrote to you with a promise to get out of Chicago and learn about our state. On one trip, I sat down at the bar of a restaurant in southern Illinois and heard something repeated to me that I couldnt shake. If you read the story, youll see what I mean. That instance led to a deep dive into one communitys history as a sundown town a pervasive history that plagues hundreds of cities, towns and suburbs across the state, whether they know it or not and ends in a present moment that some readers described as hopeful.

Here are more reactions from readers, including answers to various questions such as: What good do you bring the world by digging up skeletons? Answer: Not all skeletons of the past are buried.

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Its rare that journalism can spark change as quickly as this story did. Yet, within 24 hours of publishing this investigation, a sweeping, detailed examination of how Illinois schools use isolated timeout, which is when children are placed in separate often small, sometimes locked spaces, state officials issued an emergency ban on the use of locked, isolated seclusion. Our reporting with the Chicago Tribune found that in thousands of incidents, students had been put in seclusion for disobedience, refusing to do schoolwork and other reasons not related to safety in violation of state law.

Since then, weve heard from hundreds of people across Illinois, and around the country, with their own stories, information and concerns to share. We continue to publish stories in this series, including our most recent look into the use, and misuse, of physical restraint of students in school. More to come.

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On that note, heres a follow-up on our seclusion story, first published as a newsletter a few weeks ago, that I particularly admire. In this piece, our reporters Jodi S. Cohen and Lakeidra Chavis and Jennifer Smith Richards from the Tribune reflected on what it meant to them to report the story and listen to readers reactions. Heres an excerpt responding to comments about the upsetting nature of childrens experiences:

When reading their words and hearing their voices over the past year, we, too, were moved. We were disturbed. We cried.

Illinois current law mandated that school employees document seclusion incidents, but there was no requirement that anyone read them. The state didnt collect data to know how often it was being used.

Thats why we took this on. Isnt it better to know?

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That last line sticks with me: Isnt it better to know? As journalists, this is what keeps us going. Its why we do what we do. In some ways, the work of journalism can be described as the work of knowing; a process that can be painful, joyful and many other words in between. We hope, through this newsletter, to keep sharing that process with you, too.

Thanks for reading. Well see you in 2020.

Logan JaffeProPublica Illinois

P.S. Hi, this is Louise, ProPublica Illinois editor in chief and Logans boss. If youre made it this far, you have a good sense, I hope, of what strong, local investigative journalism can accomplish to make our city and state a better place to live. But to keep doing this kind of work, we need your help. ProPublica Illinois is a nonpartisan, nonprofit organization; we run on your support. So, as we close out 2019, please consider making a contribution. You can do it right here. Wishing you all the best in the new year.

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The Best of Us: ProPublica Illinois 2019 - ProPublica

Theres no one else to take care of us how women can, and should, achieve financial independence – Toronto Star

Bola Sokunbi, author of Clever Girl Finance: Ditch Debt, Save Money and Build Real Wealth (2019, John Wiley & Sons) grew up expecting to attend university, since her father had put her older brothers through school. However, the familys finances changed during her high school years when her father had to retire early. Luckily, her mother also worked while Sokunbi was growing up, so she funded her daughters university degree using her own retirement savings on the condition that Sokunbi promised to get good grades and work or apply for scholarships whenever possible.

It comes as no real surprise, then, that Sokunbi immersed herself in the world of personal finance to ensure that she could pay off her debts and start investing for the future. She runs a popular finance blog for women, http://www.clevergirlfinance.com, and is committed to helping women achieve comfort with their finances.

I talk to a lot of women every day and one theme that emerges is that they say they find money difficult or theyre not good with it, Sokunbi said. By writing this book I wanted to make the idea of finances approachable, relatable and fun and written from a womans perspective so women could identify with it.

Sokunbi talked with the Star about womens finances and personal finance issues.

Why did you target your blog and subsequently your book toward women?

This generation is different from those in the past where the societal standard dictated that men were the breadwinners. Today, we live longer than men and may be the sole heads of households and its not an option to be ignorant about finances anymore, because theres no one else to take care of us. This is an opportunity to combat all the things working against us.

Why does the financial industry do such a poor job serving women?

Because there arent enough women working in the industry. I read a statistic stating that more than 80 per cent of finance professionals are men and, when it comes to personal finance, the percentage is even higher. A 2009 study by the Boston Consulting Group found that women felt many of these men werent approachable and the women felt the men were talking down to them. Finding a feminine voice, angle and tone isnt as common.

What financial information arent women getting now? How can we fix the problem?

Personal finance specialists always assume everyone knows the basics about budgeting and stocks, even though these things arent taught in schools. The bulk of conversations about investing arent about mindset or self-discipline. We need to establish a foundation before moving on to advanced level discussions. We need to talk about the basics of establishing a financial plan. Education and information equal power. Personal finance skills can be learned, just like other life skills such as riding a bicycle. And you can make mistakes; if you fall off, you just get back on and practise until you no longer need training wheels.

Anyones army of dollars should speak loudly to investment personnel, no matter your gender. Are there questions women should be asking to ensure they are being treated equally?

If you choose to use a financial planner, be sure that what youre being sold or what is being presented to you is clear and explained in a simple way. Dont be afraid to ask questions. Also, do a bit of research first so your financial goals and objectives are laid out in advance. When youre presented with ideas and products, you can then make an informed decision about their relevance to your plans. You want to make sure that the planner is putting your best interests first.

Are there additional barriers or challenges for women of colour as they accumulate wealth?

As women of colour, we may be the first or second generation of our family to go to university, or we may be children of immigrants. Our socio-economic backgrounds dont necessarily provide us with financial guidance once we start earning more than our parents. Its important to educate ourselves and find likeminded people for support. Immerse yourself in books, podcasts and videos about finances and dont just keep what you have learned to yourself. Share it with your community and convey this knowledge to your children so they can do better themselves.

Whats the rule of thumb for women taking on student loan debt?

If youre considering university, get a sense of the salary youll earn upon graduation, based on your degree. Dont let your debt exceed your expected starting salary. Also, consider the cost of the same degree at various schools and consider what the degree will cost and what it will take to pay it off.

After graduation, you may need to move to a city that offers higher salaries so you can pay your debts more easily. Make sure you get a copy of your credit report to know what all your loans are. Determine the interest rate for each one and the different rules around each loan, including deferment options and the pros and cons of loan consolidation. Create a strategy for paying off your loans. The key is to pay more than the minimum monthly requirement as often as possible and be certain that the extra you pay is applied to the loans principle, not the interest.

Women generally earn less than men doing similar jobs. If I think I deserve a raise, how should I approach my boss?

Something women struggle with is doing negotiations and showcasing our work. Before making a move, list all of your accomplishments from the past six months.

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Talk to your boss about how youve been doing and the possibility for a raise, given your accomplishments. Ask what requirements youd need to meet to be in the best position to get a raise.

Its important to put yourself on your boss radar, especially if he or she supervises other employees, and you also want to prevent the company from making the assumption that youre okay where you are.

This interview has been edited and condensed.

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Theres no one else to take care of us how women can, and should, achieve financial independence - Toronto Star

THE AGE OF HYSTERIA – Concord Monitor

Published: 12/29/2019 6:01:47 AM

Modified: 12/29/2019 6:01:34 AM

The Bad Old Days by Jonathan Baird (Dec. 5) gives a good synopsis of anti-immigrant feelings and actions in the United States some 100 years ago. Those feelings, however, werent new to that era. With the beginning of the huge wave of immigrants at the end of the 19th century and continuing at least into the era described by Baird, Americans and the federal government did not want peoples from eastern and southern Europe, particularly, to enter this country.

Contrived reasons to exclude them were many and varied. They were dumb/stupid, dirty, lazy, politically dangerous, or lacked evidence of a job or financial independence. On the other hand, Scandinavians and, generally, Germans were acceptable because they were viewed as intelligent and industrious. Some of the undesirables were watched carefully. One was Emma Goldman, noted by Baird.

Goldman had become a naturalized citizen in 1887 through marriage to an immigrant who himself was a naturalized citizen. They divorced. By 1909, he was dead.

In that year, a federal judge revoked his citizenship as fraudulent. How does the government revoke citizenship from a corpse and why? How was a legal fiction. Why was so that the government could expel Goldman. Since her citizenship depended on his and now his was no more, neither was Goldmans. Finally in 1919 Goldman was deported to Russia.

To her dismay, she found that the workers paradise didnt exist. She moved to Toronto, Canada where she died in 1941.

Anarchists, of course, were on the watch list and many were swept up in the Red Raids. Most members of the Anarchist Party in the United States were Italian. Luigi Galleani was the titular head of the Anarchist Party here. He never became a citizen. During his time here, 1901-1919, he was a headache to the government. Finally, in 1919, he was deported to Italy. Since he wasnt a citizen, what took so long? No corpse was required.

Theres a connection of sorts between Galleani and the Anarchist Party and my family. One is through his daughter, Ilia Galleani. She was a doctor in Boston and delivered me. She also divested me of my tonsils.

The other is through Luigi and the Party. My father, Emilio Coda, was a Party member and friends with Luigi. In fact, in 1912, Luigi relocated from Vermont to Lynn, Massachusetts, my hometown. Evidence indicates that after Luigis deportation, my father considered himself the party chieftain. At least one other man felt he was and the battle was joined. Its interesting that there was a Party and that it had leaders, given that anarchism is opposed to government and structure of any sort.

While authorities questioned my father on a few occasions, he was not arrested. Ive never known why. He didnt hide his anarchist beliefs.

Anarchist Party actions didnt achieve positive results. It did provide fodder to the canons of those who moved to limit or deny immigration and to expel the unliked.

With respect to both my father and mother, they were active in the support of Nicola Sacco and Bartolomeo Vanzetti, two men who happened to be Anarchists and were arrested and ultimately convicted of murdering a Braintree, Massachusetts, shoe company paymaster the controversial Sacco & Vanzetti case that whether or not they were guilty, was rife with judicial error. Many people, worldwide, felt they were victims of anti-immigrant hysteria: they were Italian, they were Anarchists, they must be guilty.

The Boston Public Library archives holds letters between my father and Vanzetti written over the course of the seven years that the men were imprisoned until executed.

Jonathan Bairds main thrust . . . how bad things can get when hysteria commands public policy, is right on point. Back then, it was driven by public hysteria and used by government to bad ends. That is not much different from today. We need to be vigilant, lest bad things continue to happen to good people.

(Arnold Coda lives in Hopkinton.)

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THE AGE OF HYSTERIA - Concord Monitor

Weekend reads: ICYMI, the most popular MarketWatch articles of 2019 – MarketWatch

To celebrate the new year, here are some of the most popular MarketWatch articles of 2019. The one with the most readers by far was Catey Hills interview with a retired teacher who moved to Panama and believes it would be an act of insanity to stay in the U.S.

Dean Weymes quit his job at Amazon.com AMZN, +0.06%, and the companys human resources department found his reason difficult to believe.

Based on LinkedIns year-end emerging jobs list, this profession has had the most rapid hiring growth over the past five years and has an average annual salary of $140,000.

Every day there are warnings about the stock market, but this one about the next 20 years struck a chord with readers, who left more than 500 comments.

As part of a series of articles helping people decide where to live when they retire, Catey Hill listed three possible locations by the ocean for a man with modest income.

This teen figured out how to make good money by giving people what they wanted via social media but he was surprised how quickly it was pulled out from under him.

Nearly 1,000 readers left comments after reading this list of 16 money wasters that keep Americans from saving for retirement.

Heres how to do it.

Brett Arends interviewed Kristin Morrison, who started a very small and very successful business that led to an early retirement.

FIRE (Financial Independence, Retire Early) is an easy concept to sell who wouldnt want to be financially independent at a young age? There are, of course, many approaches people have taken to achieve financial independence heres how one couple did it.

Quentin Fottrell MarketWatchs Moneyist helped many readers over the year. This is the most-read of all those and involves someone facing a life-changing decision.

Want more from MarketWatch? Check out our Personal Finance Daily or other newsletters, and get the latest news, personal finance and investing advice.

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Weekend reads: ICYMI, the most popular MarketWatch articles of 2019 - MarketWatch

Songwriter and Detroit native Allee Willis dies at 72 – FOX 2 Detroit

(FOX 2) - Allee Willis, a songwriter whose work included the Broadway musical "The Color Purple" as well as the theme song from the TV show "Friends" and Earth, Wind & Fire's "September," has died. She was 72.

Her publicist told The New York Times the cause of death was a cardiac event.

She leaves behind countless works, but when she appeared on FOX 2 earlier this year she said the hit song 'September' put her on the map and gave her financial independence.

Willis was inducted into the Songwriters Hall of Fame in 2018. She won a Grammy more than 30 years ago and had been nominated for Tony and Emmy awards.

Willis grew up in Detroit on the sounds of Motown.

"Allee was a big songwriter," says Thomas McDonough. "She couldn't sing, and she couldn't could not do a musical note but that woman could write."

Like so many around the globe, music producer, TV host and record label owner Thomas McDonough woke up Christmas Day to learn that Allee, a native Detroiter who went to Mumford High School had passed away.

She leaves behind countless works, but when she appeared on FOX 2 earlier this year she said the hit song "September" put her on the map and gave her financial independence.

"By the end of the year that started with the food stamps, I had sold over 10 million records," she told us.

Thomas says for Willis, her heart was always in Detroit even when she relocated to California - and part of her love for Detroit was Motown.

"I was obsessed with Motown as a kid, which I think a lot of kids living in Detroit were," she told us on The Nine.

Those who knew Willis say her connection to Motown was through a large number of musicians who worked there.

"She wrote with all the Motown writers way back when, but she didn't get credit for all the songs because she was co-writing on them," McDonough says.

And although Willis leaves behind a massive amount of work, Thomas says she will also be remembered for having a kind heart.

"The woman was very giving; she would give you the shirt off her back."

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Songwriter and Detroit native Allee Willis dies at 72 - FOX 2 Detroit

Iconic Womens Empowerment Songs Of The 2010s – Forbes

NEW YORK, NY - JANUARY 19: A female marcher holds a sign that says, "The future is Female" in front ... [+] of Trump International Hotel during the Woman's March in the borough of Manhattan in NY. (Photo by Ira L. Black/Corbis via Getty Images)

Over the last decade, various womens issues and movements have surged to national attention. Music, which can be a beautiful form of resistance, has been part of this fight too.

The Me Too movement against sexual harassment and assault, price discrimination and unequal pay are just a few current concerns. Since the first Womens Marchwhich happened around the world one day after President Trumps inauguration in 2017there has been a growing coalition for womens and reproductive rights.

For every year of the 2010s, there is an iconic womens empowerment song below. While each has beauty in its protest, each song is marked by its own concerns and resistance, from questioning beauty ideals to the tones of religion.

HOLLYWOOD, CA - DECEMBER 09: Sara Bareilles performs live on stage at the Hollywood Palladium. ... [+] (Photo by Joe Kohen/Getty Images)

2010: King of Anything by Sara Bareilles isnt exactly about women being queens, but its about getting away from people, especially men, who are demeaning and consider themselves superior for no good reason. There is freedom in getting away from people who treat you like this because it allows you to make your own choices, be who you want to be and stop hurting inside from being bottled up. She also calls out men who expect women to quickly agree with them as well as obediently follow through plans, singing she wont ride off into a delusional sunset.

LOS ANGELES, CA - AUGUST 28: Singer Beyonc Knowles performs onstage during the 2011 MTV Video ... [+] Music Awards. (Photo by Kevin Winter/Getty Images)

2011: Run the World (Girls) by Beyonc says its philosophy plain and simple in the name: girls run the world. Her accompanying visual includes stunning, intricate scenes of dancing, fighting and detailed outfits embellished with fragmented metals. Beyonc also sings about womens financial independence and determination, singing, How we're smart enough to make these millions, strong enough to bare the children, then get back to business. With the textured feel of this song, sifting between the military drums and slower tempo, this was a natural anthem.

HOLLYWOOD, FL - JULY 23: Alicia Keys performs in Hollywood, Florida. (Photo by John Parra/Getty ... [+] Images)

2012: Girl on Fire by Alicia Keys is about relentlessness and power, describing girls as so powerful theyre on fire, so powerful theyre a flame. Shes just a girl, and shes on fire, Alicia sings, not only celebrating girls but changing what it means to be a girl. In other words, to be just a girl is something extremely powerful by itself. Then, the song details the power of her fire: even in the lonely times, shes still a flame. Similarly, the music video shows a flame, embodied by a mother, who struggles to pay bills and manage her kids scattered toys but is also joyful with her kids, dancing together and giving good night kisses.

NEW ORLEANS, LA - FEBRUARY 03: Beyonc performs during the Pepsi Super Bowl XLVII Halftime Show at ... [+] Mercedes-Benz Superdome on in New Orleans, Louisiana. (Photo by Christopher Polk/Getty Images)

2013: ***Flawless by Beyonc (again!) featuring Chimamanda Ngozi Adichie is a mix of song and speech. On this track, Beyonc is proud of her beauty but she digs into what it means to be a feminist and want equality for women. The song smoothly flows from Beyonc singing to audio from a speech by Adichie where she challenges the difference between what society tells boys and girls and then defines feminism: We say to girls,You can have ambition, but not too much. You should aim to be successful, but not too successful,otherwise you would threaten the man. Because I am female, I am expected to aspire to marriage, she continues. Feminist: a person who believes in the social, politicaland economic equality of the sexes.

LOS ANGELES, CA - NOVEMBER 03: Singer/songwriter Colbie Callait performs at The GRAMMY Museum in ... [+] Los Angeles, California. (Photo by Mark Sullivan/WireImage)

2014: Try by Colbie Callait may suggest there is something to try, but the song claims otherwise. She sings about the pressures women endure, like maintaining a slim shape, looking picture perfect and being sexy in order to be liked. Instead, of bending until you break or changing a single thing, Colbie sings over and over, you dont have to try. Following the message of the song, the music video features several women in their natural stateswithout makeup and with their natural hair, even if that means no hair at alland their reactions to the music. The song and video suggest the ways women try to change in order to be liked limit freedom and happiness. Try is about self-love, not only around others, but in moments alone when confronting yourself.

WEST HOLLYWOOD, CALIFORNIA - OCTOBER 24: Singer SayGrace performs at Guitar Center Music ... [+] Foundation's 2019 fundraiser. (Photo by Michael Tullberg/Getty Images)

2015: You Dont Own Me by SayGrace (Grace) featuring G-Eazy is ultimately about being free, independent and whole person. To be that as a woman includes directly telling men they do not own you or any other women. The dominant theme of this song, freedom, is described in a few ways: financial freedom, being able to say what you want and being able to do what you want. This version is actually a cover of the 1963 song recorded by Lesley Gore. Though the G-Eazy verses are, of course, are new additions, this song still remains relevant over 50 years after it was first released.

PHILADELPHIA, PENNSYLVANIA - DECEMBER 11: Lizzo performs onstage during Q102's Jingle Ball 2019. ... [+] (Photo by Lisa Lake/Getty Images for iHeartMedia)

2016: Good As Hell by Lizzo is a vibe, and the song digs into feeling good about yourself and shares the instructions. Not only does Lizzo sing about releasing inhibitions, but she sings about personally letting people go and leaving in order to be free, especially a guy. The video is mainly set in a hair salon where women are enjoying each others company through cheering and dance. The video goes a step further and empowers Black women by celebrating Black hair and beauty in various colors, curl patterns and shapes. Whether or not you sing this song with someone in mind, if you do a hair toss and check your nails, youll probably feel good as hell.

BILBAO, SPAIN - NOVEMBER 04: Hailee Steinfeld performs on stage at the MTV EMAs 2018 in Bilbao, ... [+] Spain. (Photo by Jeff Kravitz/FilmMagic)

2017: Most Girls by Hailee Steinfeld plays on generalizations made about (most) girls. While the song celebrates individuality across girls and that no two are the same, Hailee sings she wants to be exactly like most girls. This is not only is a clap back at generalizations made about being like most girls or doing something like a girl, but it celebrates girls being unstoppable and fierce in any and whichever ways they choose despite struggles.

LONDON, ENGLAND - AUGUST 17: Ariana Grande performs on stage during her "Sweetener World Tour" at ... [+] The O2 Arena in London, England. (Photo by Kevin Mazur/Getty Images for AG)

2018: God is a woman by Ariana Grande also has its message in the name. Beyond the bold statement that challenges the idea that God is a man, her music video is rich with symbols and images celebrating the divinity and bodies of women while also replacing men with women in classic works of art, like Michelangelos infamous Creation of Adam. Throughout the video, for example, womens open legs are shown as a symbol of power and creation of light and life. For example, Ariana depicts Mother Nature this way while she is soothing storms. Beyond the divinity and power of women, God is a woman explores justice for women, especially when Ariana breaks the glass ceiling inside a Pantheon-looking building with a gavel in her video.

ATLANTA, GA - SEPTEMBER 22: Megan Thee Stallion performs at Meek Mill & Future in Concert at The ... [+] Cellairis Amphitheatre at Lakewood in Atlanta, Georgia. (Photo by Prince Williams/Wireimage)

2019: Hot Girl Summer by Megan Thee Stallion with Nicki Minaj and Ty Dolla $ign is not just about the summer. Instead, its a year-round anthem. In an interview with the Root, Megan explains to have a hot girl summer you must to be unapologetically yourself, support your friends and not be bothered by what others say. In other words, a hot girl summer means youre a boss: accepting of yourself, including your body, choices and sexuality, as well as your people. Hot Girl Summer is about being so carefree and self-loving you make it summer all year long.

Surely some of these themes will continue into the next decade of musicfinancial freedom, self-love, empowered sexuality and equality on a broader scale. However, it will be interesting to see which new themes appear in response to events, cultural phenomenons and gender discrimination.

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Iconic Womens Empowerment Songs Of The 2010s - Forbes

SSS reaching out to farmers, fishermen – INQUIRER.net

State-run pension fund Social Security System (SSS) has inked a partnership agreement with Philippine Crop Insurance Corp. (PCIC) to bring social security coverage to Filipino farmers and fisherfolk.

SSS president Aurora Ignacio and PCIC president Jovy Bernabe signed a memorandum of understanding earlier this month for the promotion of SSS programs and the provision of social security protection to members of the agricultural workforce who are the most vulnerable to calamities, both natural and man-made.

The program aims to increase the number of farmers and fisherfolk who are covered with SSS, which provides social security protection in times of sickness, maternity, disability, unemployment, retirement, funeral and death.

Most farmers and fisherfolk are situated in far-flung areas where certain government benefits are inaccessible. As such, they often cling to informal lenders like loan sharks during times of need, wherein rates could go as high as 20 percent a month.

SSS and PCIC share the same objective of providing adequate safety nets to one of the most vulnerable sectors of society, especially to our farmers and fisherfolk in the provinces. Hence, we are tapping PCICs regional network to cover more potential members with our pension fund, Ignacio said.

SSS is hopeful that with PCIC, it would be able to go into untapped areas where PCIC has established its presence, making it easier to encourage agriculture workers to develop financial independence.

PCIC provides insurance protection to farmers and fisherfolk in times of calamities, plant diseases and pest infestation.

Based on its 2018 annual report, about 2.7 million farmers nationwide or a quarter of the countrys entire agricultural workforce were able to avail themselves of insurance products and programs, and were able to establish partnerships with at least 3,000 government agencies, local government units, cooperatives, and microfinance and lending institutions.

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SSS reaching out to farmers, fishermen - INQUIRER.net

WHAT TO EXPECT IN 2020 SERIES / Mayor’s View: Duluth, on the rise, learning from its growing pains – Duluth News Tribune

In April I laid out bold priorities for streets, housing, jobs, and energy. With your support and the hard work of our city team, Im proud that we delivered fully on each of our commitments.

On streets, we secured a fully dedicated, half-percent sales tax, and in 2020 we will repair 17 miles of road compared to two and a half in 2019. Thanks to everyone who attended one of our 10 City Hall in the City events to review our comprehensive streets plan and meet our new transportation planner.

We prioritized affordable housing and are investing in new policies and innovative approaches. We launched the Mayors Task Force on Affordable Housing, and this dynamic group meets monthly to develop specific ideas for increasing housing affordability. We changed our Unified Development Code to make accessory dwellings and tiny homes possible. We created a dedicated housing-developer position alongside the Housing and Redevelopment Authority, formed a housing team, and announced Rebuild Duluth, a program that will provide up to 19 infill lots across the city, free of charge, to add to our stock of affordable housing. To date, more than 30 parties are interested in the lots, and have extended our submission date to accommodate requests for additional time.

On jobs, we built partnerships with the Duluth Building Trades and other community allies to meet worker shortages in key sectors and smash persistent disparities across race and gender. Our CareerForce center identified employer workforce champions committed to expanding their hiring pools and leading the way connecting good jobs with those who need them. We instituted community-benefit policies to spur local job creation and supported apprenticeship and training programs that help workers gain careers and financial independence.

For many families, holding a good job requires safe and convenient child care, and we changed zoning to allow child-care facilities to be closer to where parents work. The result: several local businesses are actively building child-care facilities to meet the needs of their employees. We also need more child-care slots overall and revamped our 1200 Fund to provide for start-up dollars to help meet this demand.

On energy, we laid down a bold commitment of 100% renewable energy, and we continue to be a regional and national leader for decreasing greenhouse gases. My Energy Plan Commission is now fully activated, and we are in the final stages of hiring a sustainability officer to lead our resiliency efforts in the city and in the community.

Its been an extraordinary year, for sure, but not without challenges. Superior Street construction continues to mess with the heart of downtown. Storms closed Park Point and damaged the Lakewalk again. And a gale-force blizzard delivered 35% of our annual snowfall in five days.

One of the things I love most about Duluth is that we face our hardships and focus on solutions. We adapt our physical growth and expansions to account for climate change and increase our resiliency. We shop local to support our entrepreneurs and small businesses which invest in us. And in the coming weeks well revisit snowplow routing, adapting systems to more fully support the hard work of our staff and providing clearer and faster communication on plowing progress.

Cities on the rise have growing pains, but they learn from them. This year shows what a city looks like when it invests in itself and believes that better is possible.

You have placed great trust in me and my team and have given us a second term, for which I am tremendously grateful. From our family to yours, we wish you a bright season of warmth, joy, and love.

Emily Larson is mayor of Duluth. She wrote this exclusively for the News Tribune at the invitation of the Opinion page.

THE YEAR AHEAD

The News Tribune Opinion page again this year asked community leaders and area experts to gaze into their crystal balls and to share what 2020 might be bringing us.

THURSDAY, DEC. 26: City of Duluth

Friday, Dec. 27: St. Louis County

Saturday, Dec. 28: Duluth school district

Sunday, Dec. 29: Congress

Monday, Dec. 30: Minnesota Legislature

Tuesday, Dec. 31: The Economy

Wednesday, Jan. 1: Tourism

Thursday, Jan. 2: Business

Friday, Jan. 3: Downtown Duluth

Continued here:

WHAT TO EXPECT IN 2020 SERIES / Mayor's View: Duluth, on the rise, learning from its growing pains - Duluth News Tribune

How Have Your Finances Changed Between 2009 and 2019? – Lifehacker

In 2009, I was 27 years old and a year into my first full-time job with benefits. I was working as an executive assistant at a think tank in Washington, DC, and had ended up in this job after spending the past five years telemarketing, temping, going to grad school to get a MFA in theater, coming out of grad school no longer wanting to work in the theater, and asking a professor whom I trusted how I could get a job that paid at least $50,000 a year.

With your skills, youd make a great executive assistant, he told meso I went to one more temp agency, told them I wanted a temp-to-perm executive assistant job that paid at least $50K, aced the typing tests, and got myself hired.

(It helped that all of this happened before we were fully into the swing of the Great Recession. Timing really is everything.)

Making $50K a year felt like an enormous amount of money compared to telemarketing and temping wages. I had no undergrad or grad school debtmade it through both on scholarships and stipendsso once I paid off the $5,000 my parents loaned me to cover the cost of the semester I spent teaching Shakespeare at the University of Hyderabad, I bought myself enough clothes that I could go two full weeks without having to repeat an outfit and then began focusing on saving as much money as possible.

I was already hugely interested in personal finance and knew the path I was supposed to be following: get out of debt, build an emergency fund, start saving for retirement. In 2009, I was debt-free and managed to save $10,000, which felt like a huge accomplishment and also like it was barely a drop in the bucket. How would I ever save enough to retire, let alone retire early like all those books in the library claimed I could?

I mean, I didnt want to be an executive assistant forever.

I ended up working as an executive assistant for four years. After that, I quit my job to move to Los Angeles and try to make it as an indie musician. I wasnt completely terrible at the musician thingI was playing gigs and geek conventions nearly every weekbut by the end of that year I had spent all my savings and was $14,000 in credit card debt, so I began Mechanical Turking to bring in a little extra cash.

Amazon Mechanical Turk, if youre not familiar, is a site where you can sign up to do short, repetitive tasks (taking surveys, identifying objects, confirming whether a review is positive or negative) for pennies. Back then there were a handful of Mechanical Turk clients offering better-paying gigs, including the content writing company CrowdSource, which has since rebranded asOneSpace. I started Turking for CrowdSource in late 2012, got invited to join up as a freelance writer and editor, and quickly became the sites fourth-highest earner (though I would assume that record no longer stands).

I also finished recording an albumlike, a professionally recorded and engineered album, funded by Kickstarter money, credit cards, and my Roth IRA. (Pulling the cash out of that Roth is one of the biggest money mistakes I made in the past decade, let me tell you.) When I met with the sound engineer to go over the final mixes, he said You know, youre a good musician. But youre a great writer. Have you ever thought about

Yeah, I told him. Ive thought about it.

From there it was pitching and writing and pitching and writing; spending five years at The Billfold and getting my byline everywhere from The Penny Hoarder to Popular Science; publishing two novels; becoming a regular contributor at Lifehacker and Bankrate and Haven Life and Vox.

This year, I grossed over six figures as a freelancer. I dont have the final numbers yet because Im expecting a few more checks before December 31, but my 2019 earnings currently include $119,831.57 in freelancing income and $204.30 in publishing royalties. I also more than doubled my net worth this yearfrom $84,700.47 to $174,809.19after moving to a low cost-of-living area and pursuing what you might call an aggressive saving and investing strategy. The FIRE calculators suggest that if I keep this up, I could retire in 2025.

I dont know what your finances were like ten years ago, but its worth taking some time to think about where youve been, how much youve earned, how much debt youve paid off, and so on. Remind yourself of your biggest accomplishments; ask yourself about your biggest regrets. Be honest about any advantages that may have helped you along the way; when I ended up $14K in credit card debt, for example, my parents essentially sat me down and said We are going to give you an interest-free loan and you are going to pay us back.

Whats interesting about doing this kind of reflection (at least in my case) is realizing that my core financial values and interestsfrugality, financial independence, making and publishing my own creative projectshavent really changed since 2009. The biggest difference, over the past ten years, is that I both worked and lucked my way into a career in which I could grow my income exponentially. I know well enough to treat my current earnings rate as temporary, which is one of the reasons why I dont really trust those FIRE calculators (even though they are a lot of fun to play with). 2019 may have been a six-figure year, but in 2012 my total income was $23,878.

How have your finances changed, over the past ten years? Have your financial values changed as well, or do you feel like your values have stayed consistent and youre simply living on more/less money than you were a decade ago? If you were to tell a story like the one I just told you, what would it includeand how might it shape what you hope to do with your finances in the next decade?

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How Have Your Finances Changed Between 2009 and 2019? - Lifehacker

Avoid These Common Investing Mistakes – Investment U

Financial Literacy

By Mable Buchanan

Originally posted December 28, 2019 on Wealthy Retirement

Theres one thing many of us have in common this holiday season, no matter where or what we celebrate

We like to gather with family and friends and give gifts to our loved ones.

For this reason, you may be familiar with the carol The Twelve Days of Christmas.

But just like the generous true love in that famous carol, you may have found yourself overspending this holiday season or committing a host of other financial errors.

For this reason, Wealthy Retirement continues to celebrate the holidays with an inventory of common financial missteps to check for in your own habits.

If any of these common investing mistakes sound familiar, dont worry. Theres always time to adjust your strategy, and you may see a difference sooner than you think.

12. Youre not getting the biggest bang for your buck. Failing to take advantage of undervalued stocks can limit your returns by putting a cap on your growth potential.

Then, like a band that needs 12 drummers to make a discernible beat, your portfolio may have a harder time hitting its crescendo.

Instead, consider adopting a value investing technique. Look for opportunities to buy at a discount when companies with upcoming catalysts and strong fundamentals are trading at low price-to-earnings (P/E) and price-to-book (P/B) values.

The current P/E and P/B averages for the Nasdaq are 21.05 and 3.23, respectively. Finding competitive ratios can help you recognize value. But remember, if a company doesnt have strong fundamentals, its low valuation is likely merited.

11. You follow the crowd. Eleven pied pipers piping might be enough prompting to lead you into a bad decision, like panic-selling when a stock takes a momentary downturn.

Instead, try a contrarian strategy. Buying when the market looks bleakest is the strategy that earned Warren Buffett his fame (and legendary returns).

And on the flip side, remember that sometimes investor glee can be a bad omen.

Take it from Michael Burry of The Big Short fame shorting the subprime mortgage market in 2007 earned him $100 million.

10. Youve put off trying options trading. If youve been looking for an opportunity to boost your income (beyond Perpetual Dividend Raisers and blue chip bonds), there are multiple strategies that can limit your risk while maximizing upside.

Consider trading Long-Term Equity Anticipation Securities (LEAPS), writing covered calls, selling puts or creating a bull spread.

Options trading may have your portfolio profits a-leaping.

9. Youve left the finances to the men. Theres still a gender gap when it comes to financial education, but investing is far from a boys club today.

In fact, more than one-tenth of fund managers are female, and mixed-gender portfolio management teams perform better than all-male ones.

If youve been putting off taking the reins of your finances, consider visiting a fiduciary financial advisor or browsing Wealthy Retirements Financial Literacy section.

Regardless of gender, financial independence can provide enough peace of mind to set you (and eight of your closest friends) dancing.

8. Youre investing only for price appreciation. As Marc has written before, employing a dividend reinvesting strategy yields dramatic results.

The following chart says it all: An initial $1,000 investment in 1960 would have netted you almost $2.5 million today with dividends reinvested, but less than $500,000 without dividends.

To really milk the most from your investments, turn to Dividend Aristocrats.

7. Youre always worried about the next black swan event. Keep long-term investing wisdom in mind: Follow the trend lines, not the headlines.

The market returns nearly 10% on average. While bear markets sell the most papers, staying in the market and managing investing anxiety will ensure that you maximize your return.

Hang in there and take the stress out of the decision. The Oxford Club recommends setting trailing stops at 25% to avoid emotional trading while still protecting your principal.

Like our seven swans a-swimming, your portfolio is most likely to stay afloat if you give the market time to recover from momentary lows.

6. Youve left your nest egg vulnerable to taxes. Consider opening a tax-advantaged account, like a 401(k), IRA, Roth or 529, depending on your investing goals.

Then, remember that each investing vehicle carries different tax implications. Master limited partnerships, for example, are already tax-advantaged, and dividends carry a lower tax rate than the national average.

Save space in your tax-advantaged account for the investments that need it most. Itll help you lay a healthy nest egg.

5. You hold too many precious metals. Precious metals (even gold rings) shouldnt represent more than 5% of your total assets. You can also do better than secure but paltry payouts from government bonds in a low interest rate environment.

Remember, Alexander Greens Gone Fishin Portfolio recommends holding 30% of your core portfolio in U.S. stocks and 30% in foreign stocks.

It also recommends holding 10% each in high-grade bonds, high-yield bonds and inflation-adjusted Treasurys.

The final 5% are allocated to real estate investment trusts (REITs). These, like precious metals, provide balance to the portfolio. Do not count on them for income or appreciation.

4. You try to time the market. Consider this: Investors who time the market underperform those who stay invested for the long haul.

This is because some of the markets biggest leaps come right after a downturn, when all of the calling birds have cut their losses and sold.

In fact, market timing nearly cuts your yield in half.

According to a study conducted by Dalbar, investing in the S&P from 1995 to 2014 would have earned you a 9.85% annual return but even missing 10 of the markets best (and most unexpected) days would have dropped your return down to 5.1%.

Not to mention, market timing makes you a target for short-term capital gains taxes.

3. Youve overlooked international stocks. If so, its high time you added some French hens to your portfolio.

Contributing Editor Aaron Task recently wrote that investors should consider broad indexes, like the MSCI World Index, or exchange-traded funds (ETFs), like the Vanguard FTSE Emerging Markets Index ETF (NYSE: VWO).

These global portfolios are currently competitive with our record U.S. bull market. Whats more, some individual countries especially those in emerging markets that will see dramatic growth over the coming years are currently undervalued.

2. Youre worried about a dovish Fed. A declining interest rate doesnt mean that a recession is near even when the yield curve is inverted, as we saw earlier this year.

Even if we do see inflation in the coming years as a result of the Feds current policy, you can dovetail a two-step inflation management plan.

1. Youve put off saving for retirement. Theres no time like the present to plant the seed. Open a tax-advantaged account if youre still working, or take advantage of catch-up contributions if you are 65 or older.

For help judging where you are in your planning, try our free five-minute Retirement Readiness Calculator.

Work toward a future where you can sit pretty in the shade of a retirement you planted yourself. Make sure you establish an income stream independent from Social Security before you retire.

Get Back on the Nice List

Each of us is guilty of one (or more) of these investing faux pas. As the new year approaches, consider ways you can replace any financial bad habits in 2020.

Build a retirement where you have enough income to give your true love whatever you want.

Good investing,

Mable

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Avoid These Common Investing Mistakes - Investment U

How I retired early: ‘At 41, I’m selling my three properties and will live off the stock market while I write a movie script’ – Telegraph.co.uk

This is the fifth in a Telegraph Money serieslooking at how people achieved a dream they never thought possible: retiring early.

No more early morning alarms, and relaxing on a tropical beach are images that most come to mind when we think about retirement. Not for Alan Donegan, who effectively retired and became financially independent at the age of 40.

Donegan, a true self-starter who set up his own businesses, has poured most of his money into property, and stocks and shares.

Now a regular speaker for the Financial Independence, Retire Early (FIRE) movement, quitting the rat race has given him the freedom to enact a lifelong ambition: write a movie script to pitch to big film producers....

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How I retired early: 'At 41, I'm selling my three properties and will live off the stock market while I write a movie script' - Telegraph.co.uk

More Money in 2020: Analysts Recommend 3 Simple Resolutions to Increase Net Worth in Uncertain Times – CCN.com

When it comes to achieving financial independence, most agree that taking small, measured steps is far more effective than overwhelming giant leaps. Instead of making vague resolution like save more, experts recommend getting into new habits that will bring you closer to your overall financial goals in 2020.

Money expert, best-selling author, radio host and CEO of Ramsey Solutions Dave Ramsey told CCN that putting pen to paper is the key to increasing your wealth in 2020. He recommends purposefully writing out a budget to stay on track with your finances.

He says:

When you give every dollar an assignment before the month begins and you live according to the numbers you write down, you will get the stress off of your back. It will feel like you got a raise. Youre money is out of control when its not in control. It sounds basic, but if you dont have a clear written plan for your money, then youre just hoping.

Hes not alone, a host of finance experts recommend purposeful budgeting to keep track of spending. Presidential candidate Elizabeth Warren advocates for the 50/30/20 budget rule, calling for after tax income to be divided as follows: 50% on needs, 30% on wants and 20% for saving.

Paying off debt, especially high-interest debt, should be a primary focus when it comes to budgeting in 2020. Last year U.S. consumers who did their Christmas shopping on borrowed money racked up $1,230 in debt. Most of those people said they planned to pay it off via minimum payments, making their splurge all the more expensive.

Rate Rush CEO Harry Maugans told CCN that shoring up your investment portfolios is more important than ever this year:

Max out your Roth IRA and diversify your investments! The stock market is at an all time high, but it cant stay there forever, so missing out on a little upside now is worth avoiding a big drop when things inevitably reverse course. Ensure your portfolio has a healthy balance of market exposure, and alternative or non-stock investments.

Brian Davis, the co-founder of SparkRental.com had a similar perspective, saying that diversified investing is the key to building wealth. He recommends using an automated service to make stock-picking easier for those unfamiliar with the stock market.

Everyone with a net worth under $500,000 use a robo-advisor to help them invest. Only around 55% of Americans own any stocks at all, and failing to invest in equities is a surefire way to not build wealth. The Americans who dont own any stocks are often intimidated by the process of choosing equities to invest in, but in todays world they can delegate that to AI algorithms.Many robo-advisors are free; I personally use Charles Schwabs robo-advisor service, which is free if you have at least $5,000 invested. Regardless of which you use, the important point is simply to open an account and start automating your savings and investments.

2020 could be a tricky year to pick winning stocks as uncertainty looms over the U.S. stock market. Still, most analysts are expecting to see relatively smooth waters ahead which bodes well for well-diversified portfolios.

Sandy Yong, the author of The Money Master, says 2020 is the year to know your worth and ask for a pay increase.

Negotiate a raise with your boss. Since its the time to have an annual performance review, its a good opportunity to share the highlights of what you have accomplished the past year and what value you bring to the company. You should also do some research online to view comparable salaries within your industry and with your job title so that you are informed about the standard compensation ranges. You can look up statistics through Glassdoor, Linkedin or Payscale.

Research from Columbia Business School suggests that asking for a specific sum of money is more effective than rounding. A precise number implies that youve done your research and are well-informed about your own worth.

Yongs tip isnt just for those at the top of the food-chain either. Nick Bunker, an economist at Indeed.com says strength in the U.S. labor market has given lower-paid workers more bargaining power.

This article was edited by Sam Bourgi.

Last modified: December 27, 2019 14:51 UTC

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More Money in 2020: Analysts Recommend 3 Simple Resolutions to Increase Net Worth in Uncertain Times - CCN.com

Disability Life In Ten Years: Fears And Hopes For 2030 – Forbes

Getty

As we start a new decade, we can see hopeful signs of improvement for people with disabilities. At the same time, its hard not to notice more negative trends evidence that in some ways we may be heading in the wrong direction on disability issues and culture.

What will life be like for disabled people ten years from now? Will todays worrying trends turn into frightening realities? Or will we finally achieve some of the access, equality, and opportunity breakthroughs we have been working on for decades?

Lets first look at three ways things could end up much worse for disabled people in 2030, given current trends:

1. Division

The disability community could become even more bitterly divided than it is already by race, gender, and sexual orientation, between haves and have-nots, among conflicting political identities, and between groups of people with different kinds of disabilities.

Disability is an incredibly diverse set of experiences, encompassing physical, cognitive, sensory, and emotional impairments and hundreds of specific diagnoses. And disability itself intersects with all other flavors of human experience and social identity. Despite this, the overall trend over the last 30 years has been for the disability community to come together as much as possible. Cooperation has contributed to historic advances, and these advances have in turn helped reinforce the value of unity.

Yet even now, we see that external threats and zero-sum, circle the wagons thinking threaten to overwhelm the drive for solidarity, shared experience, and collective action. It would be tragic for the disability community, (such as it is), to once again shatter into competing and mutually resentful camps tragic, but entirely possible.

2. The sinister side of innovation

Medical and technological advances could increasingly make disability seem like something people can choose to fix, and should further stigmatizing people with more persistent, ongoing disabilities.

Many people, including many with disabilities, view innovations in medicine, technology, and wellness as hopeful opportunities to cure and essentially conquer disability itself. Its a major component of technological utopianism, the belief that ever-advancing technology holds the key to fixing our most difficult social problems. And its true that technology has done a lot to liberate disabled people, through better wheelchairs and prosthetics, relatively cheap adaptive products, and of course computers and the internet. Medicine, too, is largely responsible for vastly improved everyday health and longevity for people with disabilities that once cut lives short.

Unfortunately, the impressive contributions of technology also fuels more problematic attitudes and sinister goals. People who believe that any affliction or disability can be fixed with the right tool, treatment, or lifestyle tend to develop a judgmental view of disabled people generally. And its not just about treatment. Already we can see an alarming interest in eliminating disabled people entirely from society, through prenatal screening, a renewed interest in eugenics, and an ever more permissive and sympathetic approach to assisted suicide. These threats may seem far-fetched and abstract now, but in ten years, how will society regard disabled people whose continued existence doesnt seem to belong in a world where every problem has a shiny new solution?

3. Back to institutions

Nursing homes, institutions and other controlled care facilities of various kinds could again be widely promoted and used as the solution to disabled peoples needs.

A large portion of the story of disabled people in the last 20 years has been the effort, on several fronts, to move disability care and services away from nursing homes, institutions, and other types of centralized facilities. Instead, we have moved towards disabled people being able to live in their own homes, on their own terms, with whatever services and support they need provided individually, in the community, and as much as possible under their own control. Disability policy has come a long way on this, benefitting people with physical disabilities, including older people with age-related impairments, people with developmental or intellectual disabilities, and people with mental health diagnoses, among others. The fairly obvious personal preference for greater independence, and the relative cost-effectiveness of these models can make continued progress seem inevitable.

However, it seems that there is literally no belief or practice of the past so awful that it cant be revived. Against all expectations of just a few years ago, there is a renewed interest in defending and even expanding disability service models that emphasize institutionalization, control, protection, and segregation. Traditional nursing homes still enjoy at best lukewarm acceptance. But innovators are hard at work coming up with exciting new communities and assisted living campus programs that are little more than high-end institutions with the same segregation and day to day control of disabled peoples lives that contributed to outrages like Willowbrook, which helped launch the movement against institutions in the first place. Straightforward advocacy for a wholesale return to institutions is becoming more common and accepted.

Maybe its just a fleeting fashion a nostalgic flirtation with old ways of doing things. But it could easily become a real trend, perhaps in response to underfunding, perceived unpredictability, and occasional failures of more individualized models like home care. Plus, misunderstood and fabricated financial pressures, and the fear of bad things happening always threatens to overwhelm hopes and ambitions for independence. Will most disabled people live independently in 2030? Or, will we be back inside closed facilities, wondering how we got here again?

Now that we have reviewed some realistic fears, lets look at three entirely feasible hopes for how life could actually be much better for people with disabilities by 2030:

1. Health insurance for everyone

There will no longer be any such thing as eligibility for complete health care, and long term services and supports for disabled people. It will be automatic for everyone.

Whether this means Medicare For All or some other hybrid model, the key is not just affordability, but stability. Today, people with disabilities have to worry constantly about sudden, even accidental loss of health insurance. Many of us rely on health insurance not just for standard health care, but also for adaptive equipment and home care. As a result, the constant need to maintain fragile eligibility factors into every major decision we make, including whether to marry, and whether and how much we can work if we have the opportunity.

Taking health insurance off the table, and fully covering home care for all who need it, would liberate disabled people even more than the landmark Americans with Disabilities Act of 1990. It would once and for all make unwilling placement in facilities impossible, and fulfill the true promise of independent living.

2. End of the poverty trap

Disabled people will be able to work, earn money, and save much more than they can now without fear of losing support benefits.

There are many factors that influence whether or not any particular disabled person is working for pay. As already noted, maintaining steady health insurance is both essential and complicated. The same is true for other financial benefits like Social Security, food stamps, and housing subsidies, not to mention any support services people with particular disabilities need to maintain safety and independence.

Eliminating any financial downside to working, or working more, would be a huge step in the right direction for disabled people, regardless of our ability and opportunity to work at any given time. Figuring out how to do this isnt difficult in the technical, policy sense. Whether or not the political will exists to do it will go a long way towards deciding how life with disabilities will be in 2030.

3. Accessibility is done

Physical and communication barriers in workplaces, businesses, and transportation will be almost unheard of.

Maybe it really will just take longer than we thought before the promise of the ADA is finally realized in full. Maybe the legal and practical tools are already in place, and we will reach some sort of final accomplishment by 2030 of full accessibility largely through time and the natural process of repairing and replacing the infrastructure. Or maybe we will ramp up the effort, (so to speak), with some combination of stronger mandates, tighter enforcement, and targeted funding.

Will we simply coast towards this final elimination of practical barriers to full liberation, equality, and mobility for disabled people? Or will it require something more? And can we do it in another ten years or less?

***

These two lists were informally brainstormed, not carefully surveyed and sorted. Ask any disabled person and they might produce completely different predictions. However, these negative and positive forecasts do accurately reflect the pessimism and optimism that exist side-by-side among people with disabilities.

Its also interesting that all of the predictions on the darkest timeline list are social threats, while the optimistic hopes are all about concrete policy. It could just as easily be the reverse. After all, the disability community faces dozens of policy threats too, while disability culture is arguably more vibrant and collaborative than ever before.

Stil, policy advancement alongside social stagnation or decline would be consistent with the disability communitys history. Our legal and policy victories have always tended to run a few laps ahead of our progress on social attitudes and beliefs about disabled people. Big systemic improvements have often been followed by backlash something we may be seeing right now, and not just with the disability community.

What if both lists come true by 2030? What if the disability wins strong material victories, but loses cohesion, community in effect, its soul]? What if portions of the disability community gain power, freedom, and respect, while we sacrifice the rest of us to rejection, shame, and confinement?

Of course, there are infinite possible futures for all of us. But the disability community has unique opportunities to shape the world it will inhabit in 2030. We just have to be clear about what we want, and what we are and arent willing to do to get it. Now is a good time to think about it, and seriously.

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Disability Life In Ten Years: Fears And Hopes For 2030 - Forbes

Facing off in the world’s only traditional sumo ring outside Japan – CNN

(CNN) A man with strawberry-blonde hair squats to face his dark-bearded, well-toned opponent. Both are wearing black loincloths, and stand in a meticulously groomed circle, surrounded by ceramic tiles that link together to form a perimeter.

At the Mie Nishi complex, which opened in 1958 and also houses a baseball stadium, Brazilians come to train, wrestle and watch sumo. The wrestling arena was purpose-built and opened its doors in 1992.

In 2000, the Brazilian Sumo Confederation (CBS) was formed in So Paulo state, and the Brazilian National Championships, alongside the South American Championships, were held in the gymnasium.

With the aid of funding from the So Paulo Federation of Sumo, alongside a public fundraising campaign, the arena was refurbished in 2008, much to the delight of Brazil's Japanese population.

"At the time, the new gymnasium was considered to be the first and only exclusive sumo gym in the world outside Japan," says president of the gym Oscar Morio Tsuchiya. It's still the only one with a traditional clay ring, he says.

A crowded arena marks the opening of the refurbished sumo gym in 2008.

Courtesy Mie Nishi Gym

Every year since, the Brazilian Sumo Confederation has held major championships there, offering free admission to the public.

A championship was held at the opening in 2008 with around 400 athletes, including wrestlers from Japan.

The championships are now an annual event and, Tsuchiya says, the number of participants has been steadily increasing. He cites the local Japanese community as being "integral" to supporting the training of wrestlers and organizing the competition.

Brazil is home to the largest Japanese population outside Japan -- known as "Nikkei" -- with the last estimate in 2016 putting the number at 1.9 million.

In the Liberdade neighborhood of So Paulo, where more than half a million Japanese live, Shinto shrines line the streets, their traditional red torii gates framing the avenues in the district known as Little Tokyo.

"Before there was no permanent space for the practice of sumo here in So Paulo," Tsuchiya continues. "The championships were held in a makeshift manner in various places. Because of this, there were no children in So Paulo who could start practicing sumo, so [it was] only practiced by adults who trained in judo arenas."

Now, he says, the Brazilian community pull its weight by sending young wrestlers -- and women -- to the school to train.

'A source of pride'

Two opponents face each other during a training session in Mie Nishi gym.

Courtesy Mie Nishi Gym

There are around 30 members at the gym, many of whom travel for hours from small towns to come and train.

"The success of Brazilian sumo is certainly a source of pride for all those who, like us, work hard to maintain this sport," Tsuchiya beams.

Brazil now regularly sends wrestlers to national sumo championships, and one of the best sumo wrestlers outside Japan is Brazilian-born Ricardo Sugano, who goes by the name of Kaisei Ichir.

The third generation Brazilian-Japanese rikishi, or sumo wrestler, turned his back on his homeland's favorite pastime of soccer to study martial arts, which eventually led him to sumo.

Indeed, Sugano's training at the gym is a point of pride for Tsuchiya. When asked what some of his favorite memories have been so far, he lists "our dear Ricardo" and his debut at the gym as one of them.

Another wrestler, 25-year-old Rui Junior, drives eight hours to train at Mie Nishi. He's a 10-time Brazilian champion and a three-time South American champion, and recently competed in the World Sumo Championships in Osaka.

The Japanese government is so pleased with the spread of its sport to Latin America it even sent a coach to the gym to help train budding talent.

Unlike sumo in Japan, women are allowed to take part in the sport in Brazil, and it is growing in popularity among women and children.

Courtesy Mie Nishi Gym

However, there is one notable difference at the So Paulo arena: there are women wrestling.

In Japan, women have long been banned from entering, or even touching, the wrestling ring -- called dohy in Japanese. It is traditionally seen as a violation of the purity of the dohy, a view which critics say is based on the Shinto belief that women are "impure" because they menstruate.

But Tsuchiya says it was important to him to include females in the dohy ring.

"In order for Sumo to be recognized as an Olympic sport, it is also necessary to have the female sport, so the Brazilian Confederation created the female sport and started the first championship that included females in 2001."

And Tshuchiya has big dreams for the future, hoping that, some day, his humble gym in Brazil will host the World Championship.

In the meantime, the gym hosts tournaments once a month that are open to the public.

Ginsio de Sumo do Bom Retiro, Av. Pres. Castelo Branco, 5446 - Bom Retiro, So Paulo - SP, 01142-200, Brazil

Lucy Sherriff is a freelance multimedia journalist based in Bogot who covers environment, travel and gender issues.

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Facing off in the world's only traditional sumo ring outside Japan - CNN

A world of cruise options to kick off the new decade – The Union Leader

The Caribbean still reigns supreme when it comes to cruising, but theres a whole new world to explore. Classic ports such as the Bahamas are recovering, new itineraries are opening up in Japan for the 2020 Summer Olympics and luxury options abound in the Seychelles.

Here are eight places to prioritize in 2020.

Japan

Remember when Olympic organizers in Rio de Janeiro slept on cruise ships and called them floating hotels? Tokyo will do the same for its turn in the spotlight. From July 24 to Aug. 9, the city is chartering at least one large ship to serve as a floating hotel in response to a shortage of rooms on dry land.

But youd be better off going a more traditional route: Two of Royal Caribbean Cruises Shanghai-based ships, Spectrum of the Seas and Voyager of the Seas, will offer itineraries that overnight at Tokyos new terminal. Passengers with tickets can easily get to Olympic events and then sail on to other, less frenetic parts of the country.

Windstar Cruises is betting that the summers television coverage will drum up tourism interest for Japan in general, so its skipping the marquee games and sending its 312-passenger, all-suite Star Breeze to the country for a series of temple- and garden-centric sailings this fall.

But the most peaceful way to sail might be a three-night trip on Gunt, a 38-passenger design ship thats like a floating ryokan on the Seto Inland Sea, complete with traditional open-air onsen baths in some of its suites.

The trip were most likely to book: Star Breeze 10-night sailing, from $3,599 per person.

All itineraries of Virgin Voyages first ship, Scarlet Lady, will stop at The Beach Club at Bimini in the Bahamas.

The Bahamas

Typically cruise lines have relied heavily on the Bahamas. Not only is Nassau, the capital, a frequent port of call, but several companies have organized sailings throughout the commonwealth around islands that they own. In the last year, however, the roles have changed. After Hurricane Dorian devastated Grand Bahama (also a cruise port) and the less-visited Abaco islands, cruise companies helped deliver recovery supplies and made major donations. In the storms aftermath, theyre helping revitalize the entire Bahamian tourism economy.

The second phase of Royal Caribbeans Perfect Day at CocoCay in the Bahamas, which is set to open in January, will include the first overwater floating cabanas in the region.

Royal Caribbean is opening the second phase of its $250 million Perfect Day at CocoCay island in January. The Coco Beach Club includes the first overwater floating cabanas in the region. Norwegian Cruise Line has boosted the offerings at its Great Stirrup Cay, a chic, South Beach-style beach oasis where you can shell out as much as $1,100 a day for a private, air-conditioned villa conveniently located near a Moet & Chandon bar.

MSC Cruises recently opened, 95-acre Ocean Cay offers a more tranquil experience that focuses on spa treatments and underwater activities in its protected marine reserve.

And when adults-only Virgin Voyages debuts its first ship in March, every sailing will stop at a swanky private resort think Ibiza or St. Tropez developed by Resorts World Bimini.

The trip were most likely to book: A four-night itinerary on Virgins Scarlet Lady, from $2,750.

Kinsale, Ireland

Cruise lines are jumping on the DNA tourism trend, and harbor towns in West Cork, including the historic fishing town of Kinsale, are trying to get a piece of the pie. Promotional efforts have focused on attracting small expedition and boutique ships, and theyre paying off.

Last year, French line Ponant sent one ship; this year its sending four. Ultraluxury line Seabourn has been sniffing around, too. Nearby attractions include a 3.7-mile trail around the ocean cliffs of the Old Head of Kinsale, where the Lusitania was sunk just offshore by a German U-boat in 1915. Theres also a star-shaped fort built by Charles II. And if you find through an ancestry search that youre related to the notorious 18th-century pirate Captain Anne Bonny, Kinsale is said to be where shes from.

The trip were most likely to book: A seven-night sailing from London to Portsmouth, England, from $3,830.

Taucks 84-passenger MS Andorinha, which will debut in the spring, was specifically built to sail along Portugals Douro River, from coastal Porto to the Spanish border.

The Douro River, Portugal

Lisbon is a popular port, but attention has also shifted north to the quieter Portuguese city of Porto, famous for its sweet red fortified wine. Its also becoming a popular starting point for cruises on the Douro River. Hillsides covered in terraced vineyards and historic quintas reflect 2,000 years of winemaking in the valley, with itineraries that include stops for tastings and time to cross the border toward the medieval city of Salamanca in northwestern Spain.

Luxury tour operator Tauck and luxury brand Uniworld River Cruises are each debuting ships in the spring: Uniworlds 100-passenger S.S. So Gabriel has butler-serviced suites, Douro-influenced decor and locally sourced cuisine; Taucks 84-passenger MS Andorinha features an infinity-style pool, outdoor dining and Balinese daybeds on the sun deck. Dinner at a family-owned wine estate near the sleepy village of Pinho is included.

The trip were most likely to book: One-week Tauck Villages and Vintages itinerary, from $4,190.

Raja Ampat Islands

Far from the fancy resorts in Bali in miles, scenery, and style this Indonesian archipelago occupies an enviable position in the center of the Coral Triangle. Cruises here lead to fascinating cultural encounters, but the big attraction is the warm sea, home to about 75% of known coral species and about half of all the worlds marine tropical fish. Typically the best way to see it all has been on small dive boats, but upscale expedition cruise ships from Ponant and Australian line Coral Expeditions have recently moved in.

Joining them is Aqua Expeditions, best known for its top-notch Amazon River sailings. It transformed a naval vessel into its first ocean ship, the 15-suite yacht Aqua Blu, on which it offers a culinary program designed by Aussie superstar chef Benjamin Cross and sailings that stretch through the winter.

The trip were most likely to book: One week on Aqua Blu, from $7,525.

Subantarctic Islands

These islands in the Southern Ocean, which are on the way to Antarctica from Australia and New Zealand, are protected nature preserves, where only researchers live among birds and marine mammals. On Macquarie Island, beaches may be covered with royal penguins and fur seals. The island also has a weird geologic feature: Some of its shores are piled up with exposed green rocks from the Earths mantle that look eerily like theyre covered in snakeskin. And the Snares, one of several chains of New Zealand islands, feature crested penguins endemic to the islands.

Cruise passengers visit on zodiacs that hug the shoreline or make a landing for guided walks, all in places where the number of visitors is tightly controlled. Get here on expedition ships from Silversea Cruise or Lindblad Expeditions-National Geographic, which have new itineraries traversing the region.

The trip were most likely to book: A two-week cruise round trip from Dunedin (on New Zealands South Island) on Silver Explorer, from $13,950.

The Seychelles

Luxurious options abound in this Indian Ocean paradise off of East Africa. Crystal Cruises 62-passenger superyacht, Crystal Esprit, has suites with butler service and a private submarine. Ponants 184-passenger Le Bougainville has a snazzy, underwater Blue Eye Lounge, somewhat like a submarine with a panoramic view and where you can get a martini. But the real beauty of sailing here is taking tiny zodiacs to islands with uninhabited beaches, where you may snorkel among coral reefs or wander past tortoises in lush forests. Keep an eye out for the Seychelles warbler and other native birds, as well as Valle de Mai, a rare palm forest little changed since prehistoric times.

The trip were most likely to book: A seven-night trip on Crystal Esprit, from $5,599.

Nile River

In January, Uniworld Boutique River Cruises launches the 84-passenger, all-suite S.S. Sphinx, and because it will only sail in Egypt, its look will have an authentic sense of place. (Think Egyptian fabrics and artworks.) Similarly, Viking River Cruises in September adds the 82-passenger Viking Osiris, done up in Scandinavian design despite her Nubian name. Standard 12-day sailings on both ships start and end in Aswan, usually after a hotel stay in Cairo and flight to Luxor.

For DIY types, there are also four-night sailings to Aswan on Sanctuary Retreats elegant, recently upgraded, 64-passenger Sanctuary Nile Adventurer. Its shorter sailings arent packaged with pre- and post-cruise land experiences and are a little more flexible. This year, especially, a must-do is drinks on the terrace of Aswans Old Cataract Hotel, where Agatha Christie wrote parts of her 1937 novel Death on the Nile. Kenneth Branaghs film based on the book will debut in theaters in the fall.

The trip were most likely to book: Four nights on the Sanctuary Nile Adventurer, from $1,410.

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A world of cruise options to kick off the new decade - The Union Leader

Everything you need to know about traveling during Australias bush fire season – The Points Guy

Record-breaking heat waves, melting roads, savage fires. Dehydrated koalas desperate for help. The news around Australia is alarming.

However, fires are more nuanced than dozens of flame icons on a map express. Before abandoning plans for the Land Down Under, make an informed decision. Needlessly canceling deprives local communities of key tourism income while costing you fees, hassle and a much-anticipated vacation. Instead, manage expectations, stay flexible, and monitor regional developments.

The overarching message from Tourism Australias Managing Director Phillipa Harrison is one of cautious optimism. Whilst bushfires continue to impact parts of Australia, many areas are unaffected, and most tourism businesses are open. It is more important than ever that we rally around our communities and the tourism sector who may have been impacted she said. She pointed to the Australian Governments Bureau of Meteorology as a source for countrywide weather updates and fire warnings.

Heres what tourists need to know about bush fires throughout Australia.

Destination New South Wales (NSW) acknowledges the persistence of bush fires around the state. Check the Rural Fire Service, National Parks, NSW Police and the Bureau of Meteorology for updates, however, as many popular places are safe. Visitors may encounter travel delays due to damaged or partially closed roads and should check Live Traffic for updates.

Of course, the number one destination in NSW is Sydney. The citys denizens have endured weeks of haze and polluted air, generally dampening the mood and forcing people indoors. A new report by Reuters warns fire threatens the water supply. Check in with area hotels and tour operators before arriving.

Beyond Sydney, the Blue Mountains draw Americans to its rainforests, canyons and rock formations. Huge fires have been reported. However, as Scenic Worlds Chief Experience Officer Amanda Byrne reminds us, the World Heritage region is enormous. It is important for tourists to understand that the Greater Blue Mountains World Heritage area is vast more than 1 million hectares and there are many popular tourist areas currently unaffected by the bushfires, she said.

Scenic World in Katoomba is Australias most visited privately owned tourist attraction, welcoming around 40,000 American guests annually.

All eyes will be on Melbourne when the Australian Open kicks off in late January. Victorias fire season starts later than neighboring states though for now, its business as usual.

Kyle Ross of Grand Slam Tennis Tours, an American tour operator focused on packaged trips to key tournaments including the Australian Open, said he has fielded concerned calls and one cancellation due to a preexisting respiratory issue. Ross is keeping tabs on air quality:Weve obviously been tracking the firesand communicating with any travel partners with whom weve booked excursions for our tennis guests. While the danger from fires is low in Melbourne, the air quality can be affected from fires elsewhere.

If fires or smoke make travel challenging for guests, he added, conditions will affect players, too. An air quality situation could present a test of the functionality of HVAC systems; however, Tennis Australia runs arguably the best tennis venue in the world, he says.

Wineries in Yarra Valley and Mornington Peninsula, popular day-trips from Melbourne, continue to welcome visitors.

South Australia (SA) has suffered blistering heat waves. According to the South Australia Tourism Commission (SATC), four December days saw temperatures above 104 Fahrenheit. Such conditions led to warnings of catastrophic fires and danger for frail and young travelers.

SATC recommends checking emergency warnings and alerts via Country Fire Service, the State Emergency Service, the Metropolitan Fire Service and the South Australian Government website.

For interested wine travelers, the area of Adelaide Hills suffered an estimated loss of a third of its vines. We do know there have been vineyards, wineries and cellar doors damaged but the extent of what has occurred is not clear. Whats important now is the safety of all involved and we urge everyoneto follow the advice of theSA Country Fire Service, activate your Bushfire Survival Plans and be aware that some roads in the area have been closed, said Kerry Treuel, Executive Officer of Adelaide Hills Wine Region. (Check Adelaide Hills cellar door openings here.)

Nick Knappstein, brand manager of Riposte Wines, confirmed reports of road closures and electrical outages. However, there are plenty of cellar doors openthe smoke has died down considerably, he said. Knappstein reminds tourists that around Adelaide, many other attractions, beaches and the wine regions of McLaren Vale and Barossa have not been impacted.

Only small scrub fires have afflicted remote places. Popular destinations in Northern Territory are unaffected. Darwin and surrounds, Kakadu National Park, Arnhem Land, Katherine and surrounds, Alice Springs and surrounds, and Uluru-Kata Tjuta National Park are operating per usual, said a tourism representative.

Tourism in Tasmania remains unaffected. Discover Tasmania has added a page with emergency information including links to the Fire Service and TasAlert should the situation change.

If heading to the heart-shaped island, check out summer programming on Tourism Tasmania.

Tour operators have suffered preemptive cancellations due to media coverage but insist popular tourism sites remain open. Check regional fire coverage before and during travel.

But for a few fires beyond Perth, the state is operating per usual.

If you dont have trip coverage through a credit card, buy a policy. In the event you have to change or cancel flights, hotels or scrap an itinerary altogether, several companies have customizable plans.

Always confirm flights with airlines before departure. Earlier in the year, airlines cancelled several flights in NSW due to low visibility from bush fire smoke.

Campers should check total fire bans around camp sites.

Travel parties inclusive of the asthmatic, frail, and elderly can monitor the air quality index of destinations. Bring a mask, if needed. During Californias wildfires, the Governors Office recommended N95 or P100 respirators. The N95 is small and light compared to the P100.

If visiting high risk areas, consider a fire survival plan. Discuss with travel partners what to do if fire threatens your location; know bush fire alert levels if youre in a vulnerable area; and keep fire information numbers, websites and smartphone apps handy.

As in life, be smart, flexible and have fun.

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Everything you need to know about traveling during Australias bush fire season - The Points Guy

The most dangerous countries in the world for 2020, mapped – indy100

According to a new map designed for travellers, the most dangerous places on earth for 2020 areLibya and Somalia.

The annual interactive 'Travel Risk Map'reveals the countries where people are most likely to have trouble when it comes to road safety, security and medical matters.

By contrast, the safest places are Finland, Norway and Iceland.

Libya and Somalia both rank lowly in each of the three categories in the study by international medical and security specialists International SOS along with Afghanistan and Venezuela, meaning they are the most dangerous.

When it comes to health, countries with the highest risk of contracting medical issues or disease include African nations Niger, Guinea, Sierra Leone, Liberia, South Sudan, Eritrea and the Central African Republic.

Places with a low risk of disease are most of those in Europe, Canada, the US, New Zealand, Australia, South Korea and Japan.

For security, researchers evaluated the threat posed to travellers by political violence (including terrorism), social unrest and violent and petty crime.

Countries with an extreme risk to travellers' safety include Afghanistan, Syria, Yemen, Iraq, Somalia, Libya and parts of Nigeria.

Placeswhere security risks are deemed insignificant are Norway, Greenland, Finland, Iceland, Switzerland and Slovenia.

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The most dangerous countries in the world for 2020, mapped - indy100

20 best new hotels to visit in 2020 – CNN

(CNN) Whether it's for business or pleasure, today's travelers are more discerning than ever about their hotel choices.

Luckily, the newest batch of hotels and resorts have stepped up to the challenge.

Reefsuites, Great Barrier Reef, Australia

As if scuba diving alongside the Great Barrier Reef's 1,500 species of tropical fish wasn't enough of an adventure, you can now sleep among them -- in a luxury glass-walled suite, submerged 15 feet underwater.

Opened in December 2019, Reefsuites, Australia's first underwater hotel, allows visitors to take in the Reef's incredible underwater world -- and all its fish, rays, sharks and turtles -- from the comfort of a plush, king-sized bed.

Each suite also features a light switch that allows you to illuminate the water surrounding your room for extra effect.

On top of that, every stay also includes a scenic cruise through the Whitsunday Islands, dinner under the stars with unlimited wine and a guided snorkeling tour.

Hotel Chteau du Grand-Luc, France

Hotel Chteau du Grand-Luc: Built in the 18th century and renovated in 2019.

Courtesy Hotel Chteau du Grand-Luc

With its bucolic location and acres of mazes, lakes and rose gardens, Hotel Chteau du Grand-Luc might possibly be the world's dreamiest countryside escape.

The chteau, built in 1760, opened its doors to guests in June 2019 after a multimillion-dollar renovation that restored the structure to its original Neoclassical splendor.

Its 17 rooms, adorned with hand-painted murals and antique furnishings, are large and light-filled and boast sweeping views over the chteau's manicured gardens.

Added bonus: It's just 55 minutes from Paris by train, making it an easy weekend trip.

Aman Kyoto, Japan

Tucked away inside 80 acres of dense forest just outside of Kyoto, the newest Aman, opened in November 2019, is the perfect place to unwind and unplug.

Its 26 suites -- scattered throughout minimalist ryokan-inspired pavilions -- are clean-lined and almost monastically sparse, yet still undeniably luxurious. Think super-soft beds, deep-soak wooden tubs and floor-to-ceiling windows looking out over the woods.

Other highlights include a spa with mineral-rich onsen (hot springs) and five-star Japanese cuisine. Pro tip: Ask to have dinner in one of the seven al fresco dining spots hidden carefully throughout the woods.

Kachi Lodge, Bolivia

Kachi Lodge: Plush pods on the Bolivian salt flats.

Courtesy Kachi Lodge

From above, Kachi Lodge looks like a cluster of tiny geodesic domes set amidst the lunar-like Uyuni Salt Flats.

But don't be fooled by its sterile, space station-like appearance: Inside each dome, you'll find bohemian-chic interiors, plush beds and huge bay windows that offer some of the world's best stargazing. (Being 35 miles from the nearest town -- and 11,800 feet above sea level -- Kachi is virtually free of light pollution).

In the daytime, there's plenty to see and do, from biking across the arid, otherworldly landscape to high-altitude hikes on the nearby Tunupa volcano.

Alternatively, guests can simply relax in the main dome, take a class on Andean cosmology, or enjoy the homemade Bolivian cuisine. Thanks to a culinary partnership with Gustu -- one of Bolivia's finest restaurants -- the food at Kachi is as impressively unforgettable as the views.

August, Antwerp, Belgium

It doesn't get much cooler than August, a former Augustinian convent-turned-boutique hotel behind private walled gardens in Antwerp's leafy Green Quarter.

Sprawled across five renovated Neoclassical buildings, the hotel's rooms are full of raw natural materials and thoughtful artisan touches, from the handwoven carpets to the custom-built lights.

Amenities include a curated library and a luxurious spa with a hammam and sauna.

InterContinental Hayman Island, Australia

You have a choice of pool or ocean at InterContinental Hayman Island.

Courtesy InterContinental Hayman Island

Just two years after Cyclone Debbie left the Whitsunday Islands battered in her wake, the iconic Hayman Island Resort debuted a $135 million transformation -- and its stunning new incarnation as an InterContinental Resort.

The sleek new property has eight beachfront villas, built mere steps from the ocean.

Its crowning jewel is the Beach House: a 4,000-square-foot, three-bedroom villa, outfitted with a whopping three private pools, that looks out over the Coral Sea.

But don't be fooled; it's not all infinity pools and ocean views. Rooms are energy-efficient, single-use plastics are forbidden and guests are provided with reef-safe sunscreen and glass water bottles upon arrival to ensure the resort is as sustainable as it is luxe.

Puro Vik, Chile

When the design-forward hotel Vik opened in Chile's Millahue Valley in 2015, it brought an unprecedented level of luxury and sophistication to the destination. Now, its sister property, Puro Vik -- opened in April 2019 -- is doing it again.

Comprised of 19 literal glass houses carved into the hills just below the original hotel, Puro Vik makes guests feel as if they're completely immersed in their lush natural landscape without having to leave the comfort of their own beds.

Though the focus here is the landscape, each house is also carefully furnished with striking art pieces and sleek furniture handpicked by owners Alex and Carrie Vik. .

Naturally, such an experience will cost you: nightly rates start at a cool $1,100. But sipping wine in your own deep-soak tub, engulfed by lush, unobstructed mountain vistas? Priceless.

Jao Camp, Botswana

The spectacular surroundings of Jao Camp's swimming pool.

Courtesy Jao Camp

When it comes to glamping, it doesn't get much plusher than Jao Camp in Botswana's Okavango Delta. Though the camp was established in 1999, it was completely rebuilt and reopened in the summer of 2019.

The camp's five tented suites are lavishly outfitted with spacious sun decks, plunge pools and indoor-outdoor bathrooms, while an additional two villas created for families and groups come equipped with their own private vehicle, guide, chef and butler.

It's architecturally stunning, too. Communal areas feature floor-to-ceiling windows, and the swimming pool sits beneath a spectacular bird's nest-like canopy that allows guests to soak in their wild surroundings, uninterrupted.

Nobu Hotel Los Cabos, Mexico

Unlike most hotels in Los Cabos, it's not your traditional, hacienda-style property; instead it blends Nobu's signature Japanese minimalism with the area's stark desert beauty. The hotel is fronted by a wide, windswept beach over which the sun sets rather dramatically.

Gorgeous George, Cape Town

Stylishly mismatched furniture and mid-century modern accents are the name of the game at Gorgeous George.

Courtesy Gorgeous George

The aptly named property is a design lover's dream, blending its Art Deco and Edwardian architecture with raw industrial vibes and midcentury accents.

Its 32 rooms are all individually decorated with stylishly mismatched furniture and colorful rugs and huge potted plants, and they feel more like the downtown loft of a cool artist friend than hotel rooms.

On the rooftop, there's a cute plunge pool shaded by leafy palms and an excellent restaurant serving up elevated comfort food, like mac and cheese with black truffles and fancy craft cocktails.

Islas Secas, Panama

If you thought a private island was the pinnacle of exclusivity, what about your own private archipelago? Located 33 nautical miles south of mainland Panama, Islas Secas is the sole development on a dreamy 14-island archipelago, offering guests an unparalleled level of privacy and tranquility.

It has just four casitas (three more will be added in March 2020) nestled amidst the lush, Jurassic Park-like landscape. Though they're undeniably luxe -- each comes with an ocean-facing private plunge pool -- they're also sustainable, powered entirely by solar energy and fitted with water recycling systems.

Activities include snorkeling, scuba diving, kayaking and whale watching -- or simply dozing off on one of the archipelago's dozens of private island beaches.

Mama Shelter, London

Mama Shelter has two karaoke rooms for hotel guests and the public to enjoy.

Courtesy Mama Shelter London

The Mama Shelter hotel brand is fast becoming an empire, having opened three new properties in 2019 and two more slated for 2020.

Like its sister properties, Mama Shelter London is offbeat and funky and doesn't take itself too seriously with its eclectic decor and "anything goes" vibe. But what you're here for is the trendy East London location, the Japanese-style karaoke rooms (first hour is free for guests) and the extraordinarily good fish and chips.

Rooms are admittedly on the small side, averaging at 200 square feet, but the beds are comfy and the layout is so functional and intuitive that you'll hardly notice or care.

Nayara Tented Camp, Costa Rica

Flanked by lush rainforest near the base of the Arenal Volcano, Nayara -- one of the first luxury tented camps in Costa Rica -- is worth visiting for its location alone.

Just minutes from camp, guests can enjoy thermal hot springs, whitewater rafting, countless hiking trails and horseback riding. There's even an on-site sloth sanctuary home to more than 15 sloths (and a "sloth concierge" to guide you through it).

Of course, you won't be judged for staying holed up in your room, either. Each of Nayara's 29 hillside tents feature plunge pools fed by natural hot springs, luxurious indoor-outdoor bathrooms and unobstructed views of the volcano.

Rosewood Bangkok, Thailand

Lennon's is the bar on the top floors of the Rosewood Bangkok.

Courtesy Rosewood Bangkok

The Rosewood's newest hotel wows from the outset with its striking architecture: two slim, separate structures connected together to mirror the wai, the Thai greeting of hands pressed together in greeting.

The inside is just as impressive, thanks to a 10-story indoor waterfall (a tribute to the Chao Phraya River upon which Bangkok is built) and dozens of pieces of original work by Thai artists.

In signature Rosewood fashion, its rooms feel more like upscale residences than traditional hotel rooms. Rich woods paired with rattan furnishings, plush chairs topped with soft throws and fresh flowers and books on every table make each room feel like a cozy hideaway in the heart of the city.

The Standard, Maldives

It was an odd move for The Standard, an urban hotel chain known for its hip hotels in New York and Los Angeles, to open up shop on the white sands of the Maldives. But they did, and it works strangely well.

Its 115 villas (several overwater) are a departure from the romantic, honeymoon vibes of many other Maldives resorts, instead going straight for the hearts of millennial travelers with their psychedelic decor (think disco balls in the bathroom) and neon-pink pool toys.

Other highlights include nightly beach bonfires, drum circles, karaoke and a glass-floored overwater night club that stays open until after sunrise. Bring friends.

Equinox Hotel Hudson Yards, New York City

Equinox Hotel is fitness-focused, but there's still space for rest and relaxation.

Courtesy Equinox Hotels

The upscale gym chain's hotly anticipated first hotel is exactly as you'd imagine it to be: minibars stocked with magnesium supplements, a 60,000-square-foot gym outfitted with cryotherapy chambers, on-call "sleep coaches" and vitamin-fused IV drips.

But chances are, you'll like it even if you're not a fitness junkie. Rooms are fitted with lighting and temperature presets optimal for rest and relaxation and beds made from spring-free, organic fiber mattresses.

If you're after a little more action, there's also a rooftop pool and bar with panoramic views over New York City. Or simply step outside and hit Hudson Yards, which sits at the hotel's very doorstep.

Six Senses Shaharut, Israel

Perched atop a cliff in Israel's rugged Negev Desert, the Six Senses Shaharut -- opening in Spring 2020 -- is the perfect destination for the intrepid luxury traveler.

The hotel offers a menu of unique and thrilling desert-centric diversions, from camel safaris to rappelling off the Makhtesh Ramon -- the world's largest erosion crater, located at the peak of Mount Negev.

Afterwards, guests can retreat to their sumptuous sandstone villa and watch the sunset over the arid landscape from their private outdoor plunge pool.

The Fantauzzo, Brisbane, Australia

The hotel is named for award-winning Australian contemporary artist Vincent Fantauzzo.

Courtesy The Fantauzzo

Brisbane is having a moment, thanks to a frenzy of hotel openings -- including Australia's first W hotel -- in the past two years. The Fantauzzo, a fantastical, shimmering, geometric-walled boutique hotel in the trendy Howard Street Wharves precinct, is not one you want to miss.

It's got everything you'd want from a hip Aussie boutique hotel in a hip Aussie city: minimalist-modern rooms decked out in timber, stone and leather, original art by local artist Vincent Fantauzzo (after whom the hotel is named) and a central location steps from the city's hottest restaurants and bars.

But what you're really here for are the views. Whether you're at the rooftop pool, in the restaurant, or in your room, you're smacked with heart-stopping views over the Brisbane River, Story Bridge and city skyline.

&Beyond Sossusvlei Desert Lodge, Namibia

Opened in October 2019 after a top-to-toe $3 million renovation, the sleek new &Beyond Sossusvlei Desert Lodge is as luxe as it gets in the great outdoors.

Its ten 1,400-square-foot suites boast desert views from every corner and the finest amenities, from fire pits and plunge pools to butler hatches with solar-powered freezer drawers stocked with ice cream and Namibian craft beer.

The biggest draw, of course, is the desert itself. Though you won't find the Big Five here, there's still tons to explore, from the surrounding caves to the stark, otherworldly landscape of the nearby Deadvlei salt pan.

Santa Monica Proper Hotel, Los Angeles

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20 best new hotels to visit in 2020 - CNN

Can the Art World Kick Its Addiction to Flying? – frieze.com

In 2009, the critic and curator Nicolas Bourriaud published (in English) a book-length essay called The Radicant. The term radicant refers to plants that root from the stem above ground instead of below; to be radicant, Bourriaud wrote, meant setting ones roots in motion, staging them in heterogeneous contexts and formats, denying them any value as origins. It was a critical concept that he already lived, de-emphasizing his home base in Paris in favour of an itinerant existence amongst international museums, galleries and studios, the roosting points of art-world peregrination. Bourriaud documented his travels explicitly in his introduction, as if to demonstrate his commitment to cultural nomadism: This book was written between 2005 and 2007 in the places to which circumstances brought me: Paris, Venice, Kiev, Madrid, Havana, New York, Moscow, Turin and, finally, London. Cities and places, rather than countries. Nations are abstractions I distrust, he wrote too xed, too ideological.

To Bourriaud, the Centre Pompidous pointedly international 1989 mega-exhibition Magiciens de la terre (Magicians of the Earth) represented the official entry of art into a globalized world shorn of master narratives, a world that is henceforth our own. In other words, the art world grew to encompass territories beyond its usual Western poles. At the same time, perhaps, art history lost its previous teleological thrust in exchange for a continuous, low-amplitude motion. Cultural globalization represented a kind of loss of self: Nothing counts, since nothing really binds us or requires us to commit to ourselves. The diaphanous, churning loss of self must be countered instead by travel, constant juxtaposition against new people and places.

Over the past decade, Bourriauds itinerancy has become commonplace not just for academic celebrities and the milieu of less-famous curators, artists and critics, but for a wide swathe of those who are or want to be associated with the cultural vanguard: from collectors and start-up CEOs to so-called digital nomads remote freelancers tapping away at laptops in co-working spaces in Bali, maybe making a living by ghostwriting gallery press releases distributed by e-flux. Radicant living has been codified and commodified via the neverending global schedule of biennials, art fairs, panels and openings. Tech companies like Airbnb and Uber extract prot from mobility as we rely on them for on-demand apartments and rides in each new city, while critics and curators fare no better than drivers in the precarious gig economy. Bourriauds itinerary now resembles not a whimsical intellectual adventure but the stops of atravellingsalesman.

Its a lifestyle the critic Andrew Berardini both summarized and parodied in a 2014 essay for the Canadian art website Momus, How to Survive International Art: Notes from the Poverty Jetset. Already that piece reads like a nostalgic elegy for a bygone time. Berardini trades Bourriauds theoretical polemics for a soft sensualism, evoking the pleasures of travel in the lifestyle of the art nomad: You live on one continent and work on two others. You have a firsthand knowledge of the sunrise over the Po, the sunset over Shenzhen, the crackle of the midday sun as the Acqua Alta wets your calves. You might be a poor culture-ronin, but you have accidentally attained an enviable air of weary cosmopolitan glamour, which follows you back to your shabby, expensive at.

The art worlds addiction to travel and the aura it imparts is chronic and its only getting worse. Today, as I watch colleagues depart for another fair, residency or retrospective, I think not of their open-bar, expenses-paid, five-star destination, but of the plane trip there. The three square metres of Arctic sea ice that melt for every tonne of carbon dioxide released into the atmosphere. (A return flight New York to London generates approximately 986 kg.) The fact that one small group the 12 percent of Americans who make more than six round-trip flights a year are responsible for two-thirds of the USs aviation emissions. We see the pointed internationalism of the cultural vanguard as a bulwark against the inward-oriented conservatism of our moment, but we talk less about how all that movement is only accelerating climate change.

Its a strange double-consciousness, reflective of what the writer Daisy Hildyard has called the second body in her 2018 book of that name. When I fly for work, I feel briefly enlightened, empowered, like I am someone valuable enough to have been transported simply to see a talk or exhibition. (A delusion, of course, but one many people share.) And yet, I also have the crushing awareness of that collective second body: the way that each of us, undertaking our mundane lives, is also invisibly contributing to the damage, our habits and hobbies inseparable from flooding in Bangladesh, droughts in East Africa and extreme heatwaves across European cities.

Our second bodies become bigger and bigger. We know that an overall rise in temperature of just two degrees would mean the displacement of 30 million people a year, 388 million people exposed to water scarcity, a 25 percent increase in hot days.1 It is the age of climate panic, according to journalist David Wallace-Wells, and each year we do not solve the problem, the harder it gets to solve. Any sense of optimism often takes the form of nationalist narcissism: in November 2019, Donald Trump withdrew from the Paris Climate Agreement on the grounds that it would punish the American people. This kind of exceptionalism is like the subconscious assumption that your flight alone wont hurt the environment.

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Despite our awareness of the apocalyptic Anthropocene a curatorial buzzword long before it became mainstream we seem to feel that travel is either a right or a necessity. There are plenty of good reasons. The small, scattered art world is kept united by flights and human relationships built on both planned and chance physical encounters. Museums, galleries, magazines and individual freelancers alike must maintain their networks and knowledge of what is happening elsewhere, not just because of the cosmopolitan ethic, but to stay competitive in the creative marketplace. Still, the deeper reason for our desire to travel might have something to do with the nature of art itself, particularly in the digital era, when the Benjaminian aura seems scarcer than ever.

Art has always had an aspect of pilgrimage the imperative to travel to encounter the physical object in its original surroundings. The Grand Tour, the 18th-century tradition for the British gentry to travel continental Europe as a kind of cultural coming of age, was oriented around seeing and buying art. One such 1722 guide to Italys pictures and statues put forth its goal to endeavour to persuade our nobility and gentry to become lovers of painting, andconnoisseurs.2

First we visited individual works, then the great museums and collections, then the ephemeral academic salons of Paris. 1895 saw the first Venice Biennale. Since the 2000s, art fairs and all sorts of -ennials have taken up the mantle of pilgrimage destination. The motivation to attend these events chimes with the goal of the Grand Tour, as the critic Dave Hickey described in his account of the fair circuit c.2007 in Vanity Fair: No matter how rich you are, you cant learn how to be rich playing pitch and putt in Sun Valley or throwing down vodka shooters in Misto Kyyiv. You need to absorb the evolving global etiquette by immersion.

I would argue that it is neither the art nor the artists that provide the attraction these days, but the surrounding social scene. Each event forms a de facto installation of relational aesthetics, a 1998 coinage again of Bourriauds, which privileges social experiences as art objects. The party-as-art was documented, disseminated and intensified through Artforums tongue-in-cheek Scene & Herd diaries, an online column that, from 2003, became weekly propaganda for the privilege of travel. Its name-dropping established an exclusive social cohort. Geoff Dyer satirized the scene in his 2009 novel Jeff in Venice, Death in Varanasi: This was the Biennale, there were lots of other parties to go to and as soon as a party began flagging it quickly fizzled out. Dyer, via his writer-protagonist, evokes a zone of encounters with art objects, vaguely theoretical discourse with colleagues in which consensus is easily reached, casual sex and cocaine ingestion.

Hans Ulrich Obrist is the latest patron saint of art-world travel, his reliquary a rolling suitcase. In a 2014 New Yorker profile, D.T. Max recounted that the curator had made 2,000 trips over the past 20 years and travelled for 50 of the previous 52 weekends. (All in, we could say hes responsible for at least 6,000 square metres of melted Arctic ice.) The curator made meeting artists and having conversations his practice; both necessitate physical co-presence. Obrists travel habit trickled down. How many participants in the art world today must fall within that 12 percent demographic of maximum polluters?

For DISs 2014 disaster issue, it collaborated with the magazine ECOCORE to solicit data about the climate impact of individual exhibitions; one show at Artists Space in New York with works shipped from Germany produced 0.0449 tonnes of carbon dioxide bad, but not as bad as one intercontinental flight, which produces twice as much. (Multiply that by thousands to get the impact of a single art fair.) In 2018, Olafur Eliassons Ice Watch brought 30 chunks of glacier from Greenland to London, slowly melting in order to incite us into second-body guilt. But the installation also produced 55 tonnes of carbon dioxide between the flights, hotels, ships and trucks needed to execute the project its mechanical and human resources.3

In regard to climate change, theres a gap between what art attempts to communicate and its literal consequences. If a work is particularly memetically successful, as Ice Watch was, perhaps the cost was worth it. Judging between the frivolous and the adequately persuasive is a gamble. In installations such as these, the problem tends to get aestheticized rather than solved, because its easier to respond to or engage with than to undertake the obvious fix, which is to opt out of the global circuit. In his book The Uninhabitable Earth (2019), Wallace-Wells critiques the neoliberal misconception that consumer choices can be a substitute for political action if only we conscientiously buy the right things, we might fix the environment. The climate crisis demands political commitment well beyond the easy engagement of rhetorical sympathies, comfortable partisan tribalism and ethical consumption, he writes. This applies to the consumerism of the art world as well: buying environmentally woke art isnt going to stop the seas from rising.

Art does have the potential for activism in the sense of changing the way we envision climate change and its causes. It can remind us that, for most people in the West, its not too much flying that is their greatest contribution to the warming planet, but emissions from their cars and the way they heat and air-condition their homes. Or it can show that individual choice doesnt even play the most significant role in climate change: 100 corporations including ExxonMobil, Shell, BP and Chevron cause 71 percent of global carbon emissions.4

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We are all implicated in making travel aspirational, for accepting the idea that living between places is more cosmopolitan, more creative, than settling in just one and staying there. We keep choosing to leave every few weeks, constantly advertising for subletters on Facebook, melting the Arctic ice, because movement is so pleasurable.

I remember how legitimizing travel felt to me as I tried to make my way through the art world a decade ago as a journalist and critic. Previews, press trips, opening parties, panels: I was a professional spectator. My first full-time job out of university was as the English editor of the Beijing-based magazine Leap. The first moment I felt like I was part of a scene that I barely knew existed as a student the Scene & Herd zone I was leaning against the wall of my own giant hotel suite in Hangzhou, having travelled there in a van from Shanghai with three Chinese art critics to attend an artists museum opening. At the afterparty, there were bowls of Zhongnanhai cigarette packs and plates of smoked duck necks stacked on the bar, which the artist owned. Later came the junkets, the upgraded flights to Istanbul, the dinners on drifting boats or in the courtyards of closed museum, the several times I went to Savannah, Georgia, less for the art than because I liked the Spanish moss and the ageing neoclassical architecture.

In the end, I wasnt even that successful at gaming the system. I always marvel at one friend who seems to have been on the road for the past five years straight: biennial, art fair, fashion retrospective, boutique hotel opening, all with the dubious veneer of art-world relevance. Travel doesnt cost writers anything except the questionable value of our time; the payment we offer in return is often no more than a quick dispatch posted on the website of a major glossy magazine. Some triangulation of real and cultural capital happens between the client, PR agency and publication and, all of a sudden, youre halfway around the world.

In retrospect, I feel both guilty at my own largesse and embarrassed that it wasnt as extreme as others. Was it worth the environmental price? The travel seems like a kind of social pressure that, if we decided to, we might be able to give up, or at least cut back on sneaking in just a few flights like clandestine cigarettes. The young Swedish climate activist Greta Thunberg has pioneered environmental guilt-tripping, mounting her activism using sustainable methods like sailing across the Atlantic, a durational performance of two weeks. In her home country, Thunberg has pushed the term flygskam (or flight shame) to some effect: this past summer, Swedish domestic flights decreased by eight percent compared to the previous year.

Travelling doesnt have to be such a burden on our industry. We consume images on Instagram already; why not leave installation shots to be produced by those who live close to an exhibition or a studio and then just look at them online? Alternatively, there seems to be an opportunity for a kind of Leadership in Energy and Environmental Design (LEED) certification for exhibitions: sustainably curated art experiences, biennials that travel on ships, like Thunberg, or on lower-impact trains, which remain an evocative mode of continuous movement. The trick might be coming up with new formats and new expectations, admitting that our current methods of drop-shipping shows are unsustainable at best. How do we re-localize art through curation, without sacrificing the global culture that we prize?

An answer could come from Obrist, with his formula-based do it exhibitions, launched in 1993, in which works take the form a set of instructions that can be restaged by other artists who are conveniently accessible. Or, we could move at a consciously slower speed, with residencies instead of junkets, commissions instead of short-term installations. I recall Dougald Hine co-founder of the UKs Dark Mountain Project, which advocates retreat from civilization in response to climate change mentioning an idea for a pan-European theatre troupe that travelled only by land. Hines latest project is Home: a school based in rural Sweden for studying the mess the world is in, grounded in bringing people together, in one spot, on a small scale. The goal here is finding a sustainable ecology not just for the climate but also cultural community, rooted in place. We dont need to stop travelling, but its worth admitting that the trips can be made more worthwhile. There are enough parties wherever you already live.

In 2009 Bourriaud asked us to deny our origins any value as origins, to travel as a means of challenging our identities and our aesthetics. But to continue accelerating on the nomadic path risks homogenization in the short term and literal disaster in the long. Ignoring nationhood now seems ignorant, patronizing. Beyond a connoisseurship of places, of cities and their various charms, we need to cultivate an appreciation of staying put. Invite a few local friends over, light some candles and call it hygge it might even be fun.

1The Impacts of Climate Change at 1.5C, 2C and Beyond,CarbonBrief, 20182 Cited in Bruce Redford, Venice and the Grand Tour, 1996, YaleUniversity Press, New Haven, p. 363Ice Watch, report produced by the London-based arts environmental awareness nonprofit Julies Bicycle in collaboration with Studio Olafur Eliasson, February 20194 Dr Paul Griffin,The Carbon Majors Database: CDP Carbon Majors Report 2017, EJ/CJ Digital Hub, July 2017

This article first appeared in frieze issue 208 with the titleVanity & Vapour Trails.

Main image:Roger Hiorns, A Retrospective View of the Pathway, 1990-2016, jet airliner, burial, dimensions variable. Courtesy: Roger Hiorns, Luhring Augustine, New York, Corvi-Mora, London, Marc Foxx Gallery, Los Angeles, and Annet Gelink Gallery, Amsterdam

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Can the Art World Kick Its Addiction to Flying? - frieze.com

Weekend’s wet weather in Nebraska could affect travel, cause flooding – Omaha World-Herald

Rain and snow smacked Nebraska on Saturday and will continue to do so Sunday in some areas.

Persistent precipitation led to National Weather Service flood warnings until early Sunday in Omaha, Lincoln and other communities in southeast Nebraska.

Meteorologist David Eastlack said the vast storm system has lived up to expectations, hammering Nebraska, Colorado, South Dakota and the Northern Plains this weekend.

Authorities advised caution for drivers throughout the weekend because of rain or snow in all directions from Omaha.

Rain late Saturday in northeast Nebraska most likely will turn to a wintry mix and blowing snow Sunday.

Omaha had received up to 2 inches of rain as of late Saturday morning and rain was expected to persist. The National Weather Service said Omaha has a chance of snow Sunday.

Western Nebraska and most of northern Nebraska were placed under a winter storm warning through Saturday.

Cody Thomas, a spokesman for the Nebraska State Patrol, urged drivers to be cautious and alert. "I know it's getting slick out west," Thomas said Saturday. "All the way through the panhandle."

Nebraska travelers can check up-to-date travel conditions at 511.Nebraska.gov or with 511s smartphone app. You may also simply Google NWS Scottsbluff, NWS Kearney, NWS Valentine and other cities to get area conditions and forecasts. NWS stands for National Weather Service.

Forecasts for some communities and cities in the region:

Kearney will be under a winter storm warning through much of Sunday with rain and snow expected to continue.

Scottsbluff can expect snow showers to give way to sun on Sunday, but temperatures will stay well below freezing.

Des Moines will be cloudy Sunday with a chance of rain and snow Sunday night.

Chicago might see rain today and tonight with a chance of rain or snow Monday.

Minneapolis probably will see some rain Sunday with chances of drizzle and a wintry mix Sunday night.

Denver will experience sun and some wind Sunday with a low of 12 degrees on a clear Sunday night.

Many Panhandle cities, including Scottsbluff, declared snow emergencies beginning at 5 a.m. Saturday.

Travel on some roads well north and west of Omaha was expected to be difficult over the weekend as fluctuating temperatures caused ice to melt and refreeze during the storm, according to meteorologist Alex Trellinger at the Sioux Falls, South Dakota, weather service office.

A dry New Years is expected for Omaha, with highs Tuesday in the low 30s and temperatures falling to the low 20s early New Years Day.

The 10 biggest single-day snowfalls in Omaha history

No. 10: The only entry on the list of the 21st century saw 10.5 inches of snow fall onJan. 5, 2005.

Iowa and Nebraska prepared for a "wintry blast" in 2005, when Omaha received 10.5 inches of snow.

No. 9: Omaha was hit with 10.6 inches of snow on Jan. 5, 1932.

A record-breaking snowstorm hit Omaha on Jan. 5, 1932, when the area got 10.6 inches of snow the most ever recorded on a January day at the time.

No. 8: 11.5 inches fell in Omaha on Jan. 27, 1949.

The Jan. 27, 1949, winter storm brought 11.5 inches of snow to Omaha, which hardly compared to the 40 inches that blasted Chadron, Nebraska, earlier in the month, The World-Herald wrote on Jan. 27, 1949.

No. 7: On Feb. 18, 1908, a storm dumped 11.7 inches on Omaha.

A cartoon printed in the Feb. 19, 1908, edition of The World-Herald anticipates how people will remember the storm decades later. The Omaha area received 11.7 inches of snow the previous day.

No. 6: Omaha saw 12.1 inches of snow onJan. 10, 1975.

The Jan. 10, 1975, winter storm was among the deadliest snowstorms in Omaha history, claiming the lives of six people.

No. 5: Omaha saw a snowfall of 12.8 inches onFeb. 21, 1945

The Feb. 21, 1945, storm brought 12.8 inches of snow to the Omaha area. Pictured is a truck foreman lending a helping hand to a car stuck in the snow.

More photos from the Feb. 21, 1945, snowstorm.

No. 3 (tie):It snowed 13 inches in Omaha again onMarch 15, 1923.

The March 15, 1923, snowstorm which produced 13 inches of snow claimed the lives of three in the Omaha area.

No. 3 (tie): It snowed 13 inches on Dec. 7, 1892 the only 19th century entry on the list, largely due to a lack of earlier accurate weather data.

No. 2:It snowed 13.7 inches in Omaha on Feb. 23, 1942

Despite nearly 14 inches of snow, the Feb. 24, 1942, edition of The World-Herald reported that classes were still in session. Previous generations walked to school uphill both ways, as they say.

No. 1: It snowed a whopping 18.3 inches in Omaha onFeb. 11, 1965

The same storm that dropped more than 18 inches in Omaha dumped as much as 30 inches in Clatonia, Nebraska.

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Weekend's wet weather in Nebraska could affect travel, cause flooding - Omaha World-Herald