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George Floyd deserved a better life

<p>George Perry Floyd, Jr. was murdered when Minneapolis police officer Derek Chauvin sank his knee into Floyd’s neck for nine minutes and 29 seconds. Video footage went viral within hours, helping to inspire protests against racism and police violence that lasted all the American summer of 2020.</p> <p>But while the size of the protests was unprecedented, the activism of that summer had <a href="https://theconversation.com/the-fury-in-us-cities-is-rooted-in-a-long-history-of-racist-policing-violence-and-inequality-139752" target="_blank" rel="noopener">deep roots</a>. Journalists across the United States and indeed the world, focused attention on that history of protest, as they had done during the 2014 police killings of Eric Garner, choked to death in New York, and Michael Brown, shot in Ferguson, Missouri.</p> <p>At the Washington Post, reporters and researchers devoted significant resources to a six-part series, <a href="https://www.washingtonpost.com/nation/2020/10/12/george-floyd-america/" target="_blank" rel="noopener">George Floyd’s America</a>. Now, two of those journalists, Robert Samuels and Toluse Olorunnipa, have expanded the work into a book: <a href="https://www.penguinrandomhouse.com/books/703358/his-name-is-george-floyd-by-robert-samuels-and-toluse-olorunnipa/" target="_blank" rel="noopener">His Name Is George Floyd: One Man’s Life and the Struggle for Racial Justice</a>.</p> <p>When Floyd was born in 1973, 200,000 people were incarcerated in the US. By the time of his death, as Samuels and Olorunnipa point out, that number exceeded 2 million. The proportionate rate of growth of that number in <a href="https://usafacts.org/data/topics/security-safety/crime-and-justice/jail-and-prisons/prisoners/?utm_source=usnews&amp;utm_medium=partnership&amp;utm_campaign=fellowship&amp;utm_content=bracketed_link" target="_blank" rel="noopener">Texas</a>, where Floyd grew up, is even worse. <a href="https://www.usnews.com/news/best-states/articles/2021-10-13/report-highlights-staggering-racial-disparities-in-us-incarceration-rates" target="_blank" rel="noopener">African Americans are locked up at 4.75 times the rate of white Americans; Latinos at 1.3 times the rate</a>.</p> <p>This <a href="https://www.sentencingproject.org/wp-content/uploads/2021/05/intl-rates.png" target="_blank" rel="noopener">extraordinary rate of incarceration</a> is a political choice rather than a reflection of more violent criminals being locked up. Rates of incarceration <a href="https://citeseerx.ist.psu.edu/viewdoc/download;jsessionid=ED19CF648065ABC51FE1605ED5D77E32?doi=10.1.1.462.6544&amp;rep=rep1&amp;type=pdf" target="_blank" rel="noopener">increase</a> with political conservatism and the increased rates of poverty, income inequality and unemployment that accompany that conservatism. Extensive investment in prisons, jails and police forces has created a self-perpetuating system that evolves by producing the very criminals it locks up.</p> <p>This life-and-times biography poignantly depicts the mechanisms by which African Americans, especially male children and adults, become disproportionately the fodder for that system. A long history of racism, it might be said, funnelled George Floyd to prison.</p> <h2>The grandson of sharecroppers</h2> <p>Floyd’s two parents were both born to <a href="https://www.merriam-webster.com/dictionary/sharecropper" target="_blank" rel="noopener">sharecroppers</a> in North Carolina. The cycle of poverty in which they were trapped was not of their own making. Black Americans have been prevented from building wealth from the moment slavery ended.</p> <p>Floyd’s great-great-grandfather, for example, who was born into slavery in 1857, amassed land worth $US30,000 in 1920, but his white neighbours stole it from him by a mixture of fraud underpinned by the threat of violence. That tale is absolutely typical for a majority of Black families in the US South.</p> <p>The knock-on effects have been intensified by government policies that meant for generations, Black Americans had <a href="https://theconversation.com/to-see-the-legacy-of-slavery-look-at-present-day-school-systems-43896" target="_blank" rel="noopener">fewer opportunities for education</a>; <a href="https://www.nytimes.com/2020/06/25/opinion/sunday/race-wage-gap.html" target="_blank" rel="noopener">earned</a> <a href="https://www.washingtonpost.com/business/2020/06/04/economic-divide-black-households/" target="_blank" rel="noopener">less</a> even for the same work; and were <a href="https://www.npr.org/2021/11/17/1049052531/racial-covenants-housing-discrimination" target="_blank" rel="noopener">prevented</a> <a href="https://aas.princeton.edu/news/2020-pulitzer-prize-finalist-history-race-profit-how-banks-and-real-estate-industry-undermined" target="_blank" rel="noopener">from buying property</a> that would <a href="https://www.vox.com/identities/2019/12/4/20953282/racism-housing-discrimination-keeanga-yamahtta-taylor" target="_blank" rel="noopener">build wealth over generations</a>.</p> <p>Desperate for a better life for her three children, Floyd’s mother uprooted them to Houston, Texas, when Floyd was four. There, they lived in public housing in the segregated <a href="https://www.gpb.org/news/2020/07/20/george-floyds-third-ward-reflections-on-the-neighborhood-made-him" target="_blank" rel="noopener">Third Ward</a>.</p> <p>Government policies that requisitioned homes from Black residents elsewhere in Houston had forced them into this section of the city. In the Cuney Homes development, known as “the Bricks,” even today the median income is <a href="https://www.washingtonpost.com/politics/george-floyd-neighborhood-stimulus/2021/04/09/59f57e7c-9623-11eb-962b-78c1d8228819_story.html" target="_blank" rel="noopener">US$15,538</a>, well under half the <a href="https://fred.stlouisfed.org/series/MEPAINUSA672N" target="_blank" rel="noopener">national average</a>.</p> <p>Floyd attended the local Jack Yates Senior High School, opened in 1926 when education was segregated by race and never the equal of other Houston schools catering to white children. As Floyd grew to 193 centimetres tall, he learned to offset the alarm that his size and colour induced in people.</p> <p>He became self-deprecating and deliberately easy-going, charming people across generations everywhere he went. Excelling at football, he secured entry to college.</p> <p>But Floyd’s dreams of playing pro football were stymied by his academic achievements. Never good at tests, Floyd fell behind by middle school and struggled to graduate high school. There were just not the resources in the schools to make up for living in poverty in an overcrowded flat with the responsibilities of caring for relatives.</p> <p>After four years at two colleges, Floyd dropped out and returned to Houston. Not long after, he was arrested for the first time for selling drugs.</p> <p>Samuels and Olorunnipa do an extremely good job of showing that at every node along the passage toward being turned into fodder for the prison-industrial complex, Floyd’s chance of escape was significantly less than that of a white man of the same age. Reading how Floyd’s options narrowed, it was impossible not to share his frustration and despair.</p> <h2>Forensic exposé of injustice</h2> <p>Quotas for arrests meant police sought the “low-hanging fruit” of petty drug dealing done on the streets. Misconduct charges for these police officers are common: the cop who arrested Floyd in 1997 for selling drugs was sacked in 2002 after being charged with theft and hampering arrest. The officer who arrested Floyd in 2004 was “later accused of falsifying charges in hundreds of drug cases, including the one involving Floyd.”</p> <p>Chauvin himself had faced <a href="http://complaints.cuapb.org/police_archive/officer/2377/" target="_blank" rel="noopener">29 charges</a> of misconduct and internal investigations prior to murdering Floyd. (Only 18 appear on the city’s police internal affairs records.) But because <a href="https://www.brennancenter.org/our-work/research-reports/state-policing-reforms-george-floyds-murder" target="_blank" rel="noopener">records of “decertification” are patchy</a>, such “wandering” officers can often get themselves <a href="https://www.pbs.org/newshour/nation/wandering-cops-moving-from-department-to-department-is-a-roadblock-to-police-accountability" target="_blank" rel="noopener">rehired</a>.</p> <p>The officers can stay unaccountable by targeting impoverished men who, unable to afford lawyers, are more likely to accept plea deals. Floyd was never tried by jury; he rather accepted eight plea deals.</p> <p>He knew that even if he got to court, the decision was unlikely to be positive because the state of Texas does not provide public defenders. Rather, the court pays for a private lawyer to defend those who can’t afford their own representation. Judges in Harris County, where Houston is located, more often than not will appoint lawyers who had donated to their election campaigns.</p> <p>In 2007, police arrested Floyd for a violent assault on evidence provided by a dubious photo ID process. (It has since been improved.) Facing up to 40 years of prison, a reluctant Floyd accepted a plea deal for five.</p> <p>Claustrophobia made Floyd’s time in prison difficult, and yet he discovered that none of the mental health, drug addiction, or education programs included in legislation such as the notorious <a href="https://www.brennancenter.org/our-work/analysis-opinion/1994-crime-bill-and-beyond-how-federal-funding-shapes-criminal-justice" target="_blank" rel="noopener">1994 Crime Bill</a>, which sloshed billions of dollars into prison building, were available. As the authors point out, it was only after the <a href="https://www.communitycatalyst.org/blog/how-structural-racism-fuels-the-response-to-the-opioid-crisis#.YtX8puxBxqs" target="_blank" rel="noopener">opioid crisis</a> hit white communities that such funds were expended. In short, whereas policymakers declared crack cocaine a crime problem, they saw opiate addictions, more commonly associated with white people, as an epidemic or public health emergency.</p> <p>The man responsible for prosecuting the case against Derek Chauvin, Jerry Blackwell, knew well the racism inherent at every level of what we uncritically call “the criminal justice system.”</p> <p>Blackwell anticipated the defence would claim that Floyd’s drug use or some physical anomaly was the reason he had died. He therefore required an independent medical examiner review the coronial findings into Floyd’s death.</p> <p>That person, and the examiner who worked for the Floyd family in the civil case against the city of Minneapolis (which the city settled before trial for a <a href="https://www.npr.org/2021/03/13/976785212/minneapolis-agrees-to-pay-27-million-to-family-of-george-floyd" target="_blank" rel="noopener">record $US27 million</a>), both questioned whether the autopsy had been conducted correctly. Specifically, they doubted whether the incisions made on Floyd’s body were sufficient to ascertain the cause of death. And, indeed, the defence claimed that Floyd’s drug use and a supposedly enlarged heart had contributed to his death.</p> <p>This was not unique; as the authors report, in 2021 researchers found evidence that medical examiners “had misclassified or covered up nearly 17,000 deaths that involved police between 1980 and 2018”.</p> <p>All this detail might make the book sound dull, but the research is woven lightly through the account of Floyd’s life so as to maintain momentum. We learn too about Floyd’s family, friends, girlfriends, and his young daughter Gianna. The authors bring to life Floyd’s ability to take people as he found them, underpinned by a deep Christian faith in God.</p> <h2>Activism</h2> <p>The final third of the book, which focuses on events after Floyd’s death, is also gripping. Even as we know the outcome, the twists and turns in the criminal case against Chauvin make for heart-in-the-mouth reading. Chauvin was <a href="https://theconversation.com/relief-at-derek-chauvin-conviction-a-sign-of-long-history-of-police-brutality-159212" target="_blank" rel="noopener">convicted of murder and manslaughter</a> and is serving a 22-and-a-half year sentence. And in <a href="https://www.theguardian.com/us-news/2022/jul/07/derek-chauvin-sentenced-violating-george-floyd-civil-rights" target="_blank" rel="noopener">early July</a> a federal judge sentenced Chauvin to 21 years in prison for violating George Floyd’s civil rights – the sentence will be served concurrently.)</p> <p>Even more striking is the depiction of the bravery of protestors in Minneapolis and of Floyd’s family members, especially his brother, Philonise Floyd, as they seized an opportunity they never wanted – as spokespeople for justice.</p> <p>Joined by the civil rights veterans, the Reverends Jesse Jackson and Al Sharpton, Philonise campaigned hard for federal legislation to reform policing. Republican opposition to the hardest-hitting sections of the <a href="https://www.congress.gov/bill/117th-congress/house-bill/1280" target="_blank" rel="noopener">George Floyd Justice in Policing Act</a>, introduced to Congress in February 2021 by Rep. Karen Bass, meant the bill foundered – and has still not been passed.</p> <p>Unlike all the earlier sections of the book, the activism around police and legislative reform is not given quite the context it deserves. Although Samuels and Olorunnipa interviewed 400 people for their book, activists who have long campaigned against police brutality and for the <a href="https://www.versobooks.com/books/2426-the-end-of-policing" target="_blank" rel="noopener">dismantling</a> of the entire criminal justice system in favour of a society built on <a href="https://www.teenvogue.com/story/what-is-prison-abolition-movement" target="_blank" rel="noopener">equal distribution of resources</a>, such as <a href="https://www.youtube.com/watch?v=oVjMNMG6Mxo" target="_blank" rel="noopener">Angela Davis</a> and <a href="https://www.nytimes.com/2019/04/17/magazine/prison-abolition-ruth-wilson-gilmore.html" target="_blank" rel="noopener">Ruthie Wilson Gilmore</a>, do not appear.</p> <p>Nor is there much comment on the <a href="https://www.brennancenter.org/our-work/research-reports/state-policing-reforms-george-floyds-murder" target="_blank" rel="noopener">efficacy of prior efforts</a> to reform the criminal justice system via legislation. Banning choke-holds, for instance, will not end police murders when Black lives are still not regarded as mattering as much as those of white people.</p> <p>This criticism aside, His Name is George Floyd is a monumental achievement – a work of activism in itself.</p> <p>Bringing Floyd vividly to life, it makes an impassioned and persuasive plea for the dignity and preciousness of life. The book’s cover deliberately evokes the <a href="https://www.torranceartmuseum.com/staffpicks/2021/1/7/i-am-a-man-written-by-hope-ezcurra" target="_blank" rel="noopener">posters held aloft during the 1968 workers’ strike in Memphis, Tennessee</a> (when Martin Luther King, Jr. was killed), that proclaimed “I Am a Man.”</p> <p>George Floyd was a man, too, who deserved a better life.</p> <p><strong>This article originally appeared on <a href="https://theconversation.com/george-floyd-deserved-a-better-life-a-new-book-charts-his-trajectory-from-poverty-to-the-us-prison-industrial-complex-and-the-impact-of-his-death-182947" target="_blank" rel="noopener">The Conversation</a>.</strong></p> <p><em>Images: Penguin</em></p>

Books

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Are B&Bs better than hotels?

<p>What does a bed and breakfast mean to you? Like many travellers, you may think of a cosy rural cottage with homemade biscuits, quilted doonas, and friendly live-in managers. But B&amp;Bs have now evolved far beyond these traditional bounds. In fact, many travellers seeking out true luxury are increasingly turning to B&amp;Bs for the modern accoutrements and personalised service that define a quality experience from check-in to check-out.</p> <p>B&amp;Bs are known for providing a unique and localised experience but it’s worthwhile doing your homework to ensure you make the best decision about your accommodation. This is where travel review resources such as Trip Advisor are useful tools. Fellow traveller reviews of B&amp;Bs can be highly valuable in assisting with the decision making process.</p> <p>You may be interested in a B&amp;B if you:</p> <ul> <li>Prefer smaller, more intimate accommodation than a large hotel.</li> <li>Appreciate rooms that are individually decorated, especially with antiques or period furniture.</li> <li>Enjoy getting to know other travellers often over a communal breakfast.</li> <li>Prefer charm to amenities, and don't mind if your room doesn't have Internet access or other modern conveniences although more B&amp;Bs are now adding such amenities.</li> <li>Like staying in residential neighborhoods or quiet rural settings.</li> <li>Are looking for adults-only accommodation (many B&amp;Bs do not accept children).</li> <li>Enjoy the experience of a home away from home – including quirky touches like the innkeepers' cat curled up in the corner of the living room.</li> <li>Like having the personal attention and expertise of an innkeeper at your disposal.</li> </ul> <p>However you may want to avoid B&amp;Bs if you:</p> <ul> <li>Prefer amenities like gyms, pools, room service and business centres.</li> <li>Like the privacy and anonymity of a big hotel.</li> <li>Would rather eat breakfast alone or with your travel companion than have to make small talk with a bunch of strangers.</li> <li>Are on a very tight budget (B&amp;Bs tend to be a little bit more expensive than ultra-budget hotels and motels).</li> <li>Will be checking in and out at odd times (very early or very late); unlike a large hotel, B&amp;Bs tend not to have 24-hour front desk service.</li> </ul> <p>With a broad range of discretional facilities available the following details are worthwhile clarifying before you book:</p> <ul> <li>Type of breakfast offered</li> <li>Policies on children and pets</li> <li>Dining and dietary options</li> <li>Payment terms, credit card options</li> <li>Check in-check out times</li> <li>Shared or private bathrooms</li> <li>Guest services – internet, bottled water, TV in rooms, laundry services, concierge</li> <li>Special promotions, offers</li> </ul> <p>Depending on the holiday experience you’re after B&amp;Bs are a worthwhile consideration when planning your accommodation needs.</p>

Travel Tips

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The best travel review websites

<p>Planning an overseas holiday can be an arduous task. Making the right decisions on airlines, hotels, must-see tourist attractions and best routes can be key to the whole experience. Thankfully these days you don’t have to rely solely on the slick hotel marketing blurbs or the limited recommendations of your local travel agent.</p> <p>Travel review guides like Lonely Planet have been indispensable for travellers over the years, however, the broader power of the internet now delivers a whole new layer of real advice and recommendations from the most trusted source of all – fellow travellers.</p> <p>The leader of the internet review pack up until now has been TripAdvisor. What makes this site so useful is its huge database of user reviews. When you need a broad range of honest feedback, sometimes mixed with cranky complaints about a hotel or vacation rental property, TripAdvisor is likely to have it. Sure, it also has flight, hotel, and vacation rental search and booking capabilities, but other sites handle those features better. Go to TripAdvisor for advice.</p> <p>However, TripAdvisor is not alone in the mushrooming space of online travel reviews, and with a plethora of websites, forums and traditional guides now online to choose from, where else should you go for advice on your dream holiday experience?</p> <p>All the major players on a global and national scale (think Orbitz, Travelocity, Webjet, Wotif, Hotels.com, Lastminute.com) offer some advice in areas such as location, types of available rooms, proximity to local attractions and the like.</p> <p>But beware – these sites often rehash marketing material from the hotels themselves. They are also in business with the hotels they provide information for, negotiating commissions for the bookings they take.</p> <p>Websites of this nature make no claim to independent editorial and can change the material posted at any time. Hotels even have the option of self-rating their services. However it is worth noting that many online travel agents offer the opportunity for guest reviews where users can provide their own account of a particular accommodation site, either named or anonymously.</p> <p>Other more independent options offer a real-time question and answer engine for travellers around the world to share their travel knowledge. Much better than a travel forum, questions are routed to locals and past visitors with similar interests to source the best possible answers through intelligent Q&amp;A profiles, connections on Twitter and Facebook, and geo-tagging. You're notified when new answers, comments, ratings and messages are posted and you can browse other questions and answers by topic and location.</p> <p>Trippy.com, lets globetrotting friends essentially plan your vacation for you by syncing with social sites like Facebook, thereby using your online friends to provide recommendations for your itinerary.</p> <p>Oyster.com provides reviews compiled by so called expert hotel investigators. These investigators provide untouched photos of the hotels they review, which they have taken themselves during their visit. Oyster also promotes the work of their local reporters who provide insider’s advice on food, drinks and activities once you get to your destination.</p> <p>There are more independent review sites popping up all the time and they’re well worth checking out when considering your travel needs.</p> <p><em>Image credit: <span>GongTo / Shutterstock.com</span></em></p> <p> </p>

Travel Tips

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Bucket-list destinations for the adventurous

<p>A bucket list is a pretty personal selection of must-see or must-do experiences. When it comes to travel, there are plenty of well-recognised big ticket destinations that are popular on people’s lists – the Eiffel Tower, Taj Mahal, Grand Canyon and Pyramids of Giza to name a few that are worth a visit. However, there are many other paths less travelled for additional and similarly inspiring attractions also worth considering.</p> <p><strong>Visit the Galapagos Islands</strong> – The Galápagos Islands are probably the most famous wildlife-watching destination in the world. And no wonder – it’s almost impossible to exaggerate the sheer spectacle of the place that provided inspiration for Charles Darwin’s ground-breaking theory of natural selection.</p> <p><img width="500" height="273" src="https://oversixtydev.blob.core.windows.net/media/6949/bucket1_500x273.jpg" alt="Bucket Galapagos" style="display: block; margin-left: auto; margin-right: auto;"/></p> <p><strong>Visit the Amazon</strong> – The Amazon is a 7,000km river with thousands of tributaries. It is a 6.9 million square km basin, draining rivers and streams in eight countries (Brazil, Bolivia, Peru, Ecuador, Colombia, Venezuela, Guyana and Suriname), as well as French Guiana. Its forest is the largest on the planet and its biome – the forest combined with the savannah, floodplains and rivers – is a region of immense diversity, sheltering more than 30,000 plant species, 1,800 fish, 1,300 bird species, 311 mammal types and 165 types of amphibian.</p> <p><strong>See the Northern Lights</strong> – The Northern Lights are one of nature’s great displays: a mysterious, multicoloured show in which the night sky is suddenly lit up with a wondrous glow that twists and swirls like a heavenly lava lamp. Elusive and ethereal, it is one of the great, timeless thrills of travel, a beautiful, shifting dance of nocturnal rainbows that many viewers find a humbling and spiritually uplifting experience.</p> <p><img width="500" height="333" src="https://oversixtydev.blob.core.windows.net/media/6950/bucket2_500x333.jpg" alt="Bucket2" style="display: block; margin-left: auto; margin-right: auto;"/></p> <p><strong>Witness the Serengeti's great migration</strong> – When United Nations delegates met in Stockholm in 1972 to choose the first World Heritage Sites it was the Serengeti that came top of the list. Today it is one of the most famous national parks on Earth, renowned for its magnificent lions but best known for its great migration.</p> <p><strong>Explore the temples of Angkor</strong> – The masterpiece of Angkor Wat is Cambodia’s most beloved and best preserved temple. The 500-acre site is one of the largest religious monuments in the world and represents the architectural pinnacle of the Khmer Empire. Originally dedicated to the Hindu god Vishnu, it has remained a place of worship since its founding in the 12th century.</p> <p><img width="500" height="335" src="https://oversixtydev.blob.core.windows.net/media/6952/bucket3_500x335.jpg" alt="Bucket3 (1)" style="display: block; margin-left: auto; margin-right: auto;"/></p> <p><strong>See the sun rise over Bagan</strong> – Located in central Burma, Bagan is one of the world’s greatest archeological sites, a sight to rival Machu Picchu or Angkor Wat but, for the time being at least, without the visitors. The setting is sublime – a verdant 6700 hectare plain, part-covered in stands of palm and tamarind caught in a bend of the lazy-flowing Irrawaddy (Ayeyarwady) river and framed by the hazy silver-grey of distant mountains.</p> <p> </p>

International Travel

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The world's biggest hotel yet is coming

<p>Las Vegas’ status as home to the biggest hotels in the world is about to be toppled by a mammoth new development currently under construction in the holy city of Mecca in Saudi Arabia.</p> <p>Set to open in 2017, the Abraj Kudai hotel will feature 10,000 rooms, 70 restaurants and a total usable floorspace of around 1.4 million square metres, dwarfing all before it. By comparison The Venetian and The Palazzo in Las Vegas, which operate as a single hotel offer 7117 rooms. </p> <p>The project will cost around upwards of $5 billion and has been designed to look like a desert fortress. The architecture has also followed the wedding-cake pastiche style of the city’s recent hotel boom with cornice piled upon cornice.  Four helipads will cluster around one of the largest domes in the world, and the whole complex will rise 45 levels into the sky above the deserts of Mecca.</p> <p>The lofty scheme also comprises 12 towers perched atop a 10-storey podium. Two of the towers will offer five-star facilities while the other ten will provide four-star accommodation. Five of the floors will be strictly off limits to guests and reserved entirely for the Saudi royal family.</p> <p>The Abraj Kudai will be an entire city of luxury, catering to the increasingly high expectations of affluent visitors from the Gulf. There will be a shopping mall, food courts, a bus station and a huge ballroom to service the millions of people that converge on the city for the annual Hajj pilgrimage.</p> <p>Located in the Manafia district, 1.5kms south of the Grand Mosque, the complex is funded by the Saudi Ministry of Finance and designed by the Dar Al-Handasah group, a 7,000-strong global construction conglomerate that is involved in everything from designing cities in Kazakhstan to airports in Dubai.</p> <p>The Abraj Kudai is not the only new hotel planned for Mecca. Hilton, the worldwide brand, is developing the Conrad Makkah, due to open in 2016, which, once built, will also help to meet the demands for a wider variety of accommodation from the rising number of pilgrims visiting Saudi Arabia every year.</p> <p><em>Photo source: Dar Al-Handasah architects</em></p> <p> </p>

International Travel

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Best motor home journeys to take in the US

<p>Exploring the US in a motor home or RV (recreational vehicle) is a great form of escapism. You can sleep in comfort at places so remote that there are no hotels for miles around. You can wake up at dawn, pull up the blinds and watch the morning sun climb up the cliffs and pinnacles of Monument Valley or pull into a picnic spot and cook a hearty meal as the evening sun warms the grey granite of Yosemite.</p> <p>When you take the keys to a motor home they give you unparalleled access to the USA and Canada with such epic icons as Niagara Falls and Yellowstone National Park to discover. They provide a fresh perspective on Mount Rushmore, the sparkling lakes of the Canadian Rockies, the Californian deserts, the wide-open spaces of Texas or Alberta or the beaches of Florida.</p> <p>A motor home holiday in North America brings out the pioneering instinct in anyone. Having your temporary home behind you means you can let your free spirit take you almost anywhere. Many people are drawn to this type of holiday because of the freedom – not having to be anywhere at any particular time. However, at busy times in popular regions adding a bit of structure to your trip is advisable, such as booking some of your overnight camping ground stays in advance. It’s worthwhile checking availability particularly on the popular spots in advance.</p> <p>Following are four of the most popular routes to consider in order to make the most of your motor home experience.</p> <p><strong>Route 66 (Arizona to Chicago) –</strong> Although the traditional Route 66 is no longer open to travel, you can still enjoy a piece of history as you travel west from Chicago into Santa Fe. This is a traditional travel route of the past and makes a great lead-up to the Grand Canyon.</p> <p><strong>The Grand Circle –</strong> The vast, rugged landscapes of the Colorado Plateau are home to geological features of astonishing delicacy and elegance – graceful sandstone arches and enchanting gardens of rock needles. With such an array of natural beauty on offer, it is not surprising that the Grand Circle, a route that takes in all five of Utah's national parks and the Grand Canyon, is a perennial favourite for a road trip.</p> <p><strong>California –</strong> A round-trip offers the chance for a scenic mountain holiday combined with a beach break. You can pick up an RV in Los Angeles and drive up the spine of the Sierra Nevada to the high mountains north of Yosemite Valley, via Sequoia and Kings Canyon National Parks. Include a quick dash west to San Francisco and then head south along the Big Sur coast to Los Angeles. The 2,400km trip including some time in the Sierra Nevada takes around three weeks.</p> <p><strong>Yellowstone and the Grand Tetons –</strong> These two national parks sit side by side, but the beautiful Grand Tetons are often overlooked and, consequently, feel far more secluded. Add a Wild West twist to the holiday by visiting nearby Cody for rodeos and staged cowboy brawls. Hire RVs from Jackson or Salt Lake City.</p> <p> </p>

International Travel

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The new holiday trend: A learning vacation

<p>More and more savvy travellers are looking to skip your usual holiday in search of a more hands-on and educational experience. An active learning excursion can include everything from archeology to zoo keeping and chances are, whatever your interest, there’s an educational vacation to suit.</p> <p>Smithsonian Journeys offers tours to the French Riviera bringing the Modern Masters to life. The sun and striking scenery of the Cote d’Azur have attracted artists and leisure-seekers for more than 100 years. By the mid-20th century, the French Riviera had drawn influential artists like Henri Matisse, Pablo Picasso, Marc Chagall, and a host of others. Explore not only the works of these iconic painters, but the towns and landscapes that moved them, enjoying the culture and cuisine of southern France.</p> <p>Smithsonian also offer a British Cars excursion. On this grand tour of British automotive history, trace the development of the English motorcar from its earliest roots to today’s most innovative forms. Walk the factory floors of the country’s most famous car manufacturers and explore some of the world’s finest automobile collections.</p> <p>For some, ancient history through archaeology is a passion and there are plenty of expeditions available to satisfy amateur rock pickers. Earthwatch Institute allows guests to excavate archaeological sites around the world, and the Archaeological Institute of America (AIA) leads luxury tours through international historical sites. The Biblical Archaeological Society<a href="http://www.findadig.com/" target="_blank"></a> also has a database of expeditions where you can search out your dream dig.</p> <p>Japanese pottery aficionados can get their fix at Tsukamoto in Mashiko, Japan, where guests can enjoy hands-on workshops in pottery making. And for the truly wild and artistic at heart, the ancient art of Maori bone carving can be learned here in New Zealand where you can carve, sand and polish freshly-cleaned bone.</p> <p>How about a coral reef survey on San Salvador Island in the Bahamas? You can help save coral reefs just by measuring and mapping as you snorkel. Three US researchers have been studying the reefs for years with help from the Earthwatch Institute, a nonprofit organization that gives ordinary people a chance to assist in scientific projects.</p> <p>Boatbuilding in Brooklin, Maine might be of interest. At Wooden Boat School, you can create your own boat in a week, and maybe even take it home with you. Or, if that seems a bit ambitious, you could warm up by building a pond yacht (a working model sailboat). Other course topics include decorative carving, watercolor painting, and diesel-engine repair.</p> <p>Ecosystem preservation in Kauai, Hawaii is a popular trip. Global Volunteers, founded in 1984, sends adventurers on service-oriented visits to rural communities around the world, with full immersion into the local culture. This project, on Hawaii's Garden Island seeks to preserve native Hawaiian plants and culture. You might uproot non-native species, repair historic buildings in a state park, or even help put on a festival.</p> <p>Golearnto.com offers cookery holidays in France, Italy and Spain as well as language courses in countries such as Sweden where you actually live with your teacher to fully immerse yourself in the language and the culture in order to accelerate your learning.</p> <p>So whatever your interest to learn, chances are there will be an opportunity somewhere to fulfill that passion.</p> <p> </p>

International Travel

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The best art galleries to visit around the world

<p>There’s no doubt the Louvre, Tate Modern, and Metropolitan Museum of Art are three of the world’s most popular galleries. Every year more than 20 million people combine to visit these acclaimed institutions. But there’s many more to discover and here’s a short selection of some of the best.</p> <p><strong>Le Louvre, Paris – France.</strong> No list can be complete without this icon of high art. The Louvre was a medieval fortress and the palace of the kings of France before becoming a museum and gallery two centuries ago. The museum’s collections, which range from antiquity to the first half of the 19th century, are among the most important in the world. Main attractions include Venus de Milo, Winged Victory of Samothrace and Leonardo da Vinci’s Mona Lisa.</p> <p><strong>The Acropolis Museum, Athens – Greece.</strong> The stunning ground floor gallery houses finds from the slopes of the Acropolis. Its amazing transparent glass floor provides a walk over history with a view of the archaeological excavation, while sloping upward to the Acropolis with sanctuaries of the Athenians from each historic period nearby. Smaller settlements have been excavated, yielding glimpses of Athenian life.</p> <p><img width="497" height="330" src="https://oversixtydev.blob.core.windows.net/media/6364/hermitage-museum_497x330.jpg" alt="Hermitage Museum" style="display: block; margin-left: auto; margin-right: auto;"/></p> <p><strong>State Hermitage, St. Petersburg – Russia.</strong> While Russia may be isolated from the artistic centers of Paris, Rome, and London, the Hermitage has managed to acquire a spectacular collection of world art—more than three million items—spanning the years from the Stone Age to the early 20th century. Rembrandt, Rubens, Tiepolo, Titian, da Vinci, Picasso, Gauguin, Cézanne, van Gogh, and Goya are all represented here.</p> <p><strong>The Prado, Madrid – Spain.</strong> The Spanish royal family is responsible for the Prado’s bounty of classical masterpieces. In addition to stars of Spanish painting such as Velázquez, Goya, Ribera, and Zurbarán, the Prado has big collections of Italian (including Titian and Raphael) and Flemish artists.</p> <p><strong>The Metropolitan Museum of Art, New York City – USA.</strong> This is the largest museum in the Western Hemisphere. Its collection of more than two million items is not only broad—covering the entire world, from antiquity to the present—but also deep, with holdings so large in a number of areas that some might be considered museums unto themselves.</p> <p><strong>The Vatican Museums, Vatican City – Italy.</strong> Twenty-two separate collections comprise the Musei Vaticani, each one more spectacular than the next. The renowned Sistine Chapel and the Raphael Rooms are not to be missed.</p> <p><img width="500" height="333" src="https://oversixtydev.blob.core.windows.net/media/6365/national-gallery_500x333.jpg" alt="National Gallery" style="display: block; margin-left: auto; margin-right: auto;"/></p> <p><strong>The National Gallery, London – UK.</strong> This grand art museum in Trafalgar Square in London houses a collection of over 2,300 paintings dating from the mid-13th century to 1900. It is the fourth most visited art museum in the world, after The Louvre, The British Museum, and the Metropolitan Museum of Art.</p> <p><strong>The Uffizi Gallery, Florence – Italy.</strong> The Galleria degli Uffizi holds the world’s finest collection of Renaissance paintings. All the famous names of Italian art are here—not only the Renaissance masters, but also painters from the early medieval, baroque, and Mannerist periods.</p> <p><em>Hero image credit: Watcharee Suphaluxana / Shutterstock.com</em></p> <p> </p>

International Travel

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Tips on self-drive tours in the UK

<p>Self-drive tours are a great way to discover and enjoy new destinations. They offer a host of benefits such as complete control of your itinerary, greater comfort, privacy and access to out of the way attractions. The UK is an extremely popular destination for self-drive holidays. Here are a few tips to get the most out of your experience there if it’s something you’re considering:</p> <p><strong>Old and new school navigation –</strong> These days, sat-navs or a GPS devices are a sound investment to ensure you can get from A to B with a minimum of fuss. If not fitted to your rental car and you own one already, it’s worthwhile bringing it with you; most modern GPS systems are small and can be easily packed. It will not only save you money on renting one there but also valuable time as new and unfamiliar systems can be confusing – you don't want to spend half an hour each morning working out how to program it.</p> <p>If you’re using the maps facility on your mobile phone, though, make sure you do your homework before you go on likely data roaming charges. They can be expensive!</p> <p>And a good old-fashioned paper map is also worthwhile. It will help when planning your daily route and act as a back-up if your GPS or phone dies.  </p> <p><strong>Enjoy the scenic routes –</strong> Getting to your destination in a timely fashion is important and a GPS will send you the most direct route, but it’s also worth venturing off the beaten track at times. Avoid the commuter and commercial traffic on the highways and get onto the back roads where you can take in the scenery and are more likely to stumble upon quaint villages, towns and sights that you weren't expecting to find. Remember, when you're on your holidays the journey should be just as enjoyable as the destination itself.</p> <p><strong>Check the road signs –</strong> In the UK all of the visitor attractions, heritage sites and historic buildings are clearly signposted from major routes by road-signs with a brown background. Knowing this can help you reach the sites you plan to visit but can also highlight places you didn't even know existed but will be glad that you didn't miss.</p> <p><strong>Supermarketfuel savings –</strong> Petrol prices in Britain are generally higher than many other countries so it's a good idea to fill up in the most economical way possible. Large supermarkets generally have petrol stations and often provide the best priced fuel in the area. </p> <p><strong>Park and ride into town</strong> – Most of Britain's major cities offer park and ride schemes whereby you can park in an out of town car-park and take a short bus ride in to the city centre. This saves the high cost of city-centre parking and the stress of driving in the hustle and bustle of inner city traffic. Most larger cities and towns can then be explored on foot or by hopping on the local open-top bus tour which will take you to the major places of interest within the town while you sit back and relax.</p> <p> </p>

International Travel

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Are round the world airfares worth it?

<p>Round the world airline (RTW) tickets can be useful and economical solutions to complicated or extensive travel, but it’s worthwhile doing your homework to ensure you get the best deal to suit your requirements.</p> <p>Each of the big three airline alliances (Star Alliance, Oneworld and Skyteam) offer various RTW or related ticket products. In addition, a few airlines have partnerships outside their own alliances (or in some cases with non-alliance airlines), which offer RTWs. And a number of specialty travel agencies have also put together RTW booking vehicles.</p> <p><strong>The basics –</strong> An RTW ticket requires you to travel eastbound or westbound around the world, crossing both the Atlantic and Pacific Oceans in the same direction. The alliances also sell more limited “circle” tickets in certain regions.</p> <p>RTWs offer multiple stopovers en route that are usually classified from a minimum of 24 hours up to several months and most RTWs are valid for up to a year. Generally you need to begin and end the trip in the same country, but not necessarily in the same city. Subject to the limitations of the tickets (and there are many rules) you generally can zigzag and backtrack within continents or regions, but not return to a particular region once you’ve left it.</p> <p>RTW and Circle tickets generally limit you to a maximum of 16 flights included in the ticket, which is primarily sold on tiers based on maximum kilometres that can be flown without moving up to the next price tier. Obviously the greater distance you fly, the higher the price.</p> <p><strong>Costs -</strong> An important consideration with RTW tickets is that the pricing is extremely variable, depending on where you begin (and therefore end) the trip as well as differences in classes and variations from one alliance to the next.</p> <p><strong>Changes and flexibility -</strong> RTW tickets must have all segments booked prior to issue; however all make provision for changes or alterations during the life of the ticket. Generally, date changes are free, provided the same airline is being used for the same city pair. Itinerary changes – adding or deleting stops, changing the route, etc. – require that the ticket be re-issued for a fee, and any taxes or fees that change because of the new route be added or subtracted.</p> <p><strong>Frequent flyers -</strong> RTW tickets earn frequent flyer miles/points according to the ground rules established by the frequent flyer scheme used.</p> <p><strong>Limitations -</strong> Some RTW trip segments can be undertaken more cheaply by using point-to-point tickets, which obviously offer greater flexibility than any other approach. However this needs to be considered within the overall context of the trip cost. Another issue is inflexibility and limited choice. You have to fly on airlines the ticket allows you to use, and fly where they fly. And because there are many city pairs where no non-stop flights exist, usually a high percentage of the 16 flights are spent in indirect routes between your preferred cities.</p> <p>For most travelers, however, RTW tickets can provide good to very good value, and a great way to explore the world.</p> <p> </p>

International Travel

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How to set super goals that actually get you somewhere

<p>Setting goals for your retirement is a great starting point to set you on the right path for how you aim to live the later years of your life.</p><p>Following here are a few suggestions to help your planning. And keep in mind that it’s not all about money – super and retirement planning works best when you have a sound, whole of life balance.</p><p><strong>Think about when you want to retire –</strong> Any number of factors might come into play when determining the right time for you to retire, like when you can access your super, your financial or family commitments and your employment arrangements.</p><p><strong>Will you ease into retirement by reducing your hours?</strong> If you’re thinking of easing into retirement, taking out a <a href="http://www.equipsuper.com.au/files/A8.TRP.pdf" target="_blank"><strong><span style="text-decoration: underline;">Transition to Retirement</span></strong></a>&nbsp;pension allows you to reduce your working hours and supplement your income by drawing on your super through an income stream while you’re still employed.</p><p><strong>Consider the retirement lifestyle you want –</strong> Think about all the things you plan to do, such as travel, volunteer work, spending time with family and friends, looking after your grandchildren or pursuing your hobbies. You should also consider where you’ll live, what car you’ll drive, your health and what you’ll do for entertainment.</p><p><strong>How much will you need?</strong> Most people have an idea of how much money they currently spend. But few are clear on how much money they will need each year in retirement. Check the Association of Superannuation Funds of Australia (ASFA) Retirement Study for guidelines on how to measure this.</p><p><strong>How long will your money need to last?</strong> If you’re a 50-year-old male, your life expectancy is around 82 years. You can determine your average life expectancy based on your gender and current age using various online calculators. <a href="http://www.equipsuper.com.au/calculator" target="_blank"><strong><span style="text-decoration: underline;">Equip’s retirement income calculator</span></strong></a>&nbsp;allows you to adjust contributions, investments, expected retirement age and other variables to see how these changes can impact your retirement.</p><p><strong>Are you on track?</strong> Once you’ve worked out how much you need each year and how long this needs to last you can work out if you’re on track to fund the retirement you want. You may also have other assets that contribute to your retirement savings: a share portfolio, your home or an investment property, or perhaps savings in the bank. These all contribute to the pool of assets you can draw on to fund your retirement.</p><p><strong>Will you need a lump sum payment or a regular income stream?</strong> Consider whether you’ll be able to manage with a regular income through a pension product or whether you’ll need a lump sum amount to pay off your mortgage, or a combination of both.</p><p>Equip’s head of <a href="http://www.equipsuper.com.au/advice" target="_blank"><strong><span style="text-decoration: underline;">financial planning</span></strong></a>, Camille Giles, says her team generally recommends receiving your super benefit as a regular income payment.</p><p>“People are used to receiving a regular income and are accustomed to managing their household budget within it.</p><p>“One of the difficulties people have drawing a lump sum is knowing just how long it will last; how much their short-term spending will impact on whether their money runs out or not .</p><p>“Using an off-the-shelf type income product like Equip MyPension, or setting themselves up with other products under the guidance of a professional planner is a better option for most people,” she said.</p><p><strong>Stay healthy, involved and active –</strong> At a personal level, keeping healthy and active in your social and family networks and local community, as well as mentally stimulated will all provide huge benefits to your overall wellbeing.</p><p><strong>Seek effective advice –</strong> To ensure you’re in the best possible financial position, consider consulting a professional such as an accountant or financial planner.</p><p><strong>Know your limits –</strong> If you’re not an expert investor, it’s probably best to take a conservative approach by putting your super into a reliable retirement income product to ensure your savings are protected.</p><p>Camille says this does not necessarily mean loading up your investment portfolio with conservative investments like cash and fixed interest.</p><p>“Increasing life expectancies for retirees in good health means a portfolio should have a proportion of growth investments like quality shares and perhaps property, to make pension products last longer.</p><p>“Of course, when you make your investment choices, you have to be able to sleep at night, so the investments that are primarily about setting something up that gives you peace of mind as well as being a good financial strategy,” she says.</p><p><strong>Related links:</strong></p><p><span style="text-decoration: underline;"><em><strong><a href="/finance/retirement-income/2015/03/2015-superannuation-tips/" target="_blank">10 superannuation tips for 2015</a></strong></em></span></p><p><span style="text-decoration: underline;"><em><strong><a href="/finance/retirement-income/2015/02/how-much-money-to-do-you-need-to-retire/" target="_blank">How much is enough money to retire on?</a></strong></em></span></p><p><span style="text-decoration: underline;"><em><strong><a href="/finance/retirement-income/2015/01/great-books-on-retirement/" target="_blank">Six retirement books everyone should read</a></strong></em></span></p>

Retirement Income

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The smarter things you should be doing with your money

<p>Australia has been transformed from a nation of spenders to thrifty savers, as households make the most of low rates and cheaper fuel to squirrel away cash, new research shows.</p><p>It’s a post-GFC trend that appears set to continue as households commit to paying down debt and saving money for emergencies. Almost half of the nation’s households are tucking away an extra $38 away a week, according to the latest&nbsp;ME Bank&nbsp;Financial Comfort Report.</p><p>And financial satisfaction levels are at a record high climbing by 12 per cent in the six months to December last year, it shows. Household savings have risen to $778 a month as more people focus on having a pool of cash available for a “rainy day”.</p><p>But the report also showed that almost 30 per cent of households are still living week to week and almost 60 per cent said they have less than $10,000 in cash savings.</p><p>It’s worthwhile looking at opportunities to create a buffer to protect against that rainy day scenario.</p><p>If you have a credit card debt you should always look at paying that down each month, clear any of your debt and think about reducing the card’s limit.</p><p>You can save on clothes and other items by dry cleaning to get more life out of clothes and buying clothes you can mix and match more readily with your wardrobe.</p><p>Conserve electricity and water by buying energy efficient appliances, turning them off at the power point when not in use, and using appliances such as washing machines and dishwashers only when they’re full.</p><p>You should also review your utilities, bank accounts and other fee hungry services. You may be surprised where you can shave costs by shopping around or simply just asking your provider how to reduce your costs.</p><p>Save on your shopping bill by sticking to your shopping list and buying in bulk, as well as recycling and reusing household items.</p><p>Also look at habits that regularly cost and see if you can replace them with something more cost effective such as:</p><ul><li>Give up drinking coffee or cut down on alcohol – it may sound scary but it will save you money and can have health benefits.</li><li>Cancel your gym membership and walk to work instead.</li><li>Make your lunch at home.</li><li>Have people over for dinner rather than going out and ask everyone to bring a plate of food.</li><li>Borrow books and DVDs from the library.</li><li>Lock up your credit card for a month and only pay for things with cash.</li><li>Set a limit for birthday and Christmas presents or give homemade gifts.</li></ul><p>You should also focus on non-deductible debt, for example putting extra money on your home loan, and opting to tip excess money into your super fund.</p><p><strong>Related links:&nbsp;</strong></p><p><a href="/finance/money/2015/03/how-to-avoid-hidden-bank-fees/" target="_blank"><span style="text-decoration: underline;"><em><strong>Tools to help you in the fight against hidden bank fees</strong></em></span></a></p><p><a href="/finance/money/2015/03/stop-impulse-buying/" target="_blank"><span style="text-decoration: underline;"><em><strong>Are you an impulse buyer? Here’s how to stop!</strong></em></span></a></p><p><span style="text-decoration: underline;"><em><strong><a href="/finance/money/2015/03/things-moneywise-people-do/" target="_blank">5 things money-wise people never do</a></strong></em></span></p>

Money & Banking

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10 little ways to boost your happiness

<p>Feeling a bit down in the dumps? There are plenty of simple pick me ups that can easily put some spring back in your step. Here are a few to try.</p><p><strong>Did you know there are two kinds of happiness?</strong> If you’ve ever run through a sprinkler on a hot summer day, you’re familiar with hedonic happiness, or pure pleasure. The second kind, eudemonic, is the sense of purpose that comes from raising kids or being part of a community.</p><p>Having a healthy balance of the two is important for lifelong happiness, but also for your health. Research from the University of North Caroline finds people who have high levels of eudemonia have 30 per cent more activity in the genes associated with virus-killing antibodies.</p><p><strong>Have a belly laugh…often.</strong> If yoga isn’t your thing for fulfillment, trade your class for a comedy club: A good laugh now and then can give you a mental boost similar to meditation,&nbsp;</p><p><strong>Shop for experiences, not items.</strong> Experiences, rather than objects, are actually more valuable and make us more than twice as happy as tangible material items. And yet, most people still think that a new purse will make them happier than a day trip to the mountains&nbsp;</p><p><strong>Embrace your inner bookworm.</strong> A new British economic analysis estimates that being a bookworm can boost your wellbeing as much as getting a $2,286 raise.&nbsp;</p><p><strong>Trade the pavement for the pastures.</strong> The University of Essex in the UK found 30 minutes of walking in a green scene reduced depression in 71 per cent of participants.&nbsp;</p><p><strong>Boost up on B12.</strong> Low blood levels of B12 can lead to depression. The good news is that it works the other way around too. In one study, depressed people on antidepressants felt much better after taking B12 supplements for just three months.</p><p><strong>Your coffee fix.</strong> If you need a quick happiness boost, let coffee be your fix – it increases dopamine and serotonin transmission within just 30 minutes. Three cups a day will reduce your risk of becoming depressed by up to 15 per cent.</p><p><strong>More zeal with zinc.</strong> Healthy brain cells are loaded with zinc, especially in areas that govern emotion. And in a 12-week study, people who took just 25mg a day saw a significant improvement in mood. Not into going the supplement route? Pay a visit to your favorite seafood restaurant – three ounces of fresh oysters will give you a 52mg dose.</p><p><strong>A quick sweat is a sure bet</strong>. Just 20 minutes is all the time you need for feel-good neurochemicals to hit your brain. Plus, active people are 85 per cent more likely to be happy.</p><p><strong>Sniff some citrus.</strong> Citrus oils like orange are natural antidepressants. For a quick fix, peel an orange and bend the peels between your fingers. Or find bottled joy in&nbsp;these happy citrus fragrances.</p><p><strong>Related links:</strong></p><p><span style="text-decoration: underline;"><em><strong><a href="/finance/insurance/2014/12/happy-to-be-60/" target="_blank">60 is my happy because…</a></strong></em></span></p><p><span style="text-decoration: underline;"><em><strong><a href="/finance/insurance/2014/10/the-key-to-positive-ageing/" target="_blank">The key to positive ageing</a></strong></em></span></p><p><span style="text-decoration: underline;"><em><strong> <a href="/finance/insurance/2014/08/7-ways-to-get-the-most-out-of-life-now!/" target="_blank">7 ways to get the most out of life now</a></strong></em></span></p>

Insurance

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Money moves that will haunt you in the future

<p>We can all make bad decisions with money, but to avoid long-term financial loss look out for these common pitfalls.</p><p><strong>Don’t ignore your super</strong> – Most new retirees wish they had put more into super when they were younger. Deciding to ignore the generous tax benefits and incentives provided by superannuation may haunt you in 10, 20 and 30 years. From tax savings through salary sacrifice to government co-contributions for low and middle-income earners, if you’re still earning an income there are lots of ways to feather your retirement nest.</p><p><strong>Don’t leave insurance too late</strong> – Personal insurance such as life and disability cover are cheaper to buy when you’re younger and healthier. Leaving it until later or after an illness or injury can lead to sky-high premiums or a new insurance policy being denied.</p><p><strong>Spread your eggs</strong> – Diversifying investments is important for financial success, yet many people focus on high-risk moneymaking ventures rather than putting their eggs in several baskets. These have a very low probability of reward and some people spend their whole lives investing in these ventures and then recovering only to do it again.</p><p><strong>Too much debt</strong> – High-interest consumer debts can hurt your finances for many years. Credit card interest rates are around 20 per cent and other short-term finance options can be even more expensive.</p><p><strong>Keep up your private health cover</strong> – Private health premiums are rising again, but people who cancel to save some costs now with a view to signing up again later will be penalised. The Government’s Lifetime Health Cover rules add a 2 per cent loading for every year over 30 that someone does not hold private hospital cover, up to a 70 per cent maximum loading.</p><p><strong>Don’t get impatient with investments</strong> – Exiting an investment that has struggled for a few months can be a ticket to regret. Financial markets move in cycles and keeping a level head during tough market periods will pay dividends in the long term.</p><p><strong>Overcome fear</strong> – Fear often drives financial decision-making: fear of the unknown, fear of losing money, fear of missing out on a big win, or fear of failing to keep up with the Joneses. Financial planners say it’s easy to be spooked by money matters, but taking small, regular steps in your learning and in your actions will help overcome fears.</p><p>The strain of constantly worrying about money is a substantial barrier to the smart decision-making. Instead, curb your fear and arm yourself with good advice to map out where you want to be in your financial journey both short and long term.</p><p>You may have to start small but with a solid investment plan, you can avoid careless money moves.</p><p><strong>Related links:</strong></p><p><span style="text-decoration: underline;"><em><strong><a href="/finance/money/2015/01/budgeting-for-retirement/" target="_blank">Foolproof budgeting for retirement</a></strong></em></span></p><p><span style="text-decoration: underline;"><em><strong><a href="/finance/money/2014/11/great-money-saving-hacks/" target="_blank">Great money saving hacks</a></strong></em></span></p><p><span style="text-decoration: underline;"><em><strong><a href="/finance/money/2014/12/money-mistakes-to-avoid/" target="_blank">5 money lies we tell ourselves that are bleeding us dry</a></strong></em></span></p>

Money & Banking

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Will your retirement savings be enough?

<p>According to recent studies almost half of Australia’s population believe they are inadequately prepared for retirement or have not prepared at all.</p><p>Australians’ retirement savings and investments will run dry within just 10 years of finishing work. The significant shortfall makes Australia’s retirement status the worst in the Asian region and the fourth largest gap globally,&nbsp;HSBC’s&nbsp;Future of Retirement report has found.</p><p>The report, which surveyed 16,000 people worldwide, also found among Australian respondents 16 per cent believe they will never be in a position to fully retire compared to the global average of 10 per cent.</p><p>Australians expect their retirement to last 23 years but the shortfall of 13 years is among the worst of the 15 markets surveyed.</p><p>The Association of Superannuation Funds of Australia’s Retirement Standard said for Australians to have a “comfortable” retirement single people need $430,000 in retirement savings and couples need $510,000.</p><p>An ASFA spokesperson said people are living longer in retirement than ever before — the average life expectancy in Australia is 83 — and they need to prepare for this.</p><p>“It’s important they plan to save enough so they can live comfortably for all of their post-work years,’’ she said. The earlier you start saving the more you will benefit from the magic of compound interest.</p><p>ASFA data released last year showed in 2011-12 the average super balances of Australians was $197,000 for men and only $105,000 for women and most retirees would need to rely on the age pension in retirement.</p><p>The HSBC report recently found that paying off a mortgage or other debts was a significant barrier a majority of Australians (51 per cent) to financially prepare for retirement.</p><p>HSBC’s head of retail banking and wealth management Graham Heunis said, “Australians are in denial about retirement planning.”</p><p>“Being concerned is not enough — the next generation need to take action and start saving now.”<br> <br> Equip CEO, Danielle Press, said it was entirely understandable that younger Australians placed a greater priority on meeting their immediate needs, like buying a house, than on retirement planning.</p><p>“Retirement is a long way off when you’re in your mid 20s. But from a superannuation savings point of view, it’s also the time when regularly making small additional contributions, even just $20 a week can make the most difference to your retirement outlook.</p><p>“As you get older and your super benefit gets larger, there comes a point when investment returns make the most difference, but contributing when you’re younger gives your money many more years in which to grow,” she said.</p><p>Whatever your age and no matter how much money you have, now is the time to start building your super. Make a few small changes and watch your super money grow.</p><p>ASIC’s MoneySmart Retirement Planner website is a good place to start. This handy resource shows you:</p><ul><li>How to look at your situation and make improvements</li><li>What income you're heading for in retirement</li><li>How to boost your super savings</li></ul><p>If you want to boost your retirement income, you can consider:</p><ul><li>Increasing your super contributions</li><li>Trying to reduce the fees paid to your&nbsp;financial planner&nbsp;or&nbsp;managed fund</li><li>Putting your money into slightly less conservative investment options (but get&nbsp;financial advice&nbsp;before you act)</li><li>Retiring later to keep the money coming in for longer</li><li>Getting part-time employment</li><li>Opting for a more modest lifestyle so you need less money in retirement</li></ul><p><strong>Related links:</strong></p><p><span style="text-decoration: underline;"><em><strong><a href="/finance/retirement-income/2015/03/2015-superannuation-tips/" target="_blank">10 superannuation tips for 2015</a></strong></em></span></p><p><span style="text-decoration: underline;"><em><strong><a href="/finance/retirement-income/2015/02/how-much-money-to-do-you-need-to-retire/" target="_blank">How much is enough money to retire on?</a></strong></em></span></p><p><span style="text-decoration: underline;"><em><strong><a href="/finance/retirement-income/2015/01/great-books-on-retirement/" target="_blank">Six retirement books everyone should read</a></strong></em></span></p>

Retirement Income

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6 simple tricks to help boost your memory

<p>While age-related brain lapses are a reality that we will most likely face at some stage, it doesn't mean you can’t fight back. Before forgetfulness starts taking hold, take on board some of these simple approaches to help keep the grey matter sharp.</p><p><strong>Close your eyes –</strong> When British researchers had people watch short films and then recall details by answering a series of questions, those who were instructed to keep their eyes closed answered correctly 23 per cent more of the time than people who were told to keep their eyes open. The findings add to the body of evidence that suggests that cutting out surrounding interference can help you focus more intensely on remembering an important piece of information.</p><p><strong>Healthy body, healthy brain –</strong> Treating your body well can enhance your ability to process and recall information.&nbsp;Physical exercise&nbsp;increases oxygen to your brain and reduces the risk for disorders that lead to memory loss, such as diabetes and cardiovascular disease. Exercise may also enhance the effects of helpful brain chemicals and protect brain cells.</p><p><strong>Mental gymnastics –</strong> By the time you’ve reached adulthood, your brain has developed millions of neural pathways that help you process and recall information quickly, solve familiar problems, and execute familiar tasks with a minimum of mental effort. But if you always stick to these well-worn paths, you aren’t giving your brain the stimulation it needs to keep growing and developing. It’s worth shaking things up from time to time. Try taking a new route home from work or the shops, visiting new places at the weekend, or reading different kinds of books.</p><p><strong>Just sleep on it –</strong> When you’re sleep deprived, your brain can’t operate at full capacity. Creativity, problem-solving abilities, and critical thinking skills are compromised. Whether you’re studying, working, or trying to juggle life’s many demands, sleep deprivation is a recipe for disaster.But sleep is critical to learning and memory in an even more fundamental way. Research shows that&nbsp;sleep&nbsp;is necessary for memory consolidation, with the key memory-enhancing activity occurring during the deepest stages of sleep.</p><p><strong>The marvels of meditation –</strong> The scientific evidence for the mental health benefits of meditation continues to grow. Studies show that meditation helps improve many different types of conditions, including depression, anxiety, chronic pain, diabetes, and high blood pressure. Meditation can also improve focus, concentration, creativity, memory, and learning and reasoning skills.</p><p><strong>Try a brain-boosting diet –</strong> Just as the body needs fuel, so does the brain. You probably already know that a diet based on fruits, vegetables, whole grains, healthy fats such as olive oil, nuts, and fish as well as lean protein will provide lots of health benefits, but such a diet can also improve memory.</p><p><strong>Related links:</strong></p><p><em><span style="text-decoration: underline;"><strong><a href="/finance/insurance/2015/02/create-a-personal-mantra/" target="_blank">How to create a personal mantra</a></strong></span></em></p><p><em><span style="text-decoration: underline;"><strong><a href="/finance/insurance/2015/02/the-power-of-laughter/" target="_blank">Why laughter really is the best medicine</a></strong></span></em></p><p><em><span style="text-decoration: underline;"><strong><a href="/finance/insurance/2014/10/the-key-to-positive-ageing/" target="_blank">The key to positive ageing</a></strong></span></em></p>

Insurance

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Tools to help you in the fight against hidden bank fees

<p>Are you frustrated by the constant shaving away of your finances through the nasty fees and hidden costs imposed by the banks and other financial providers?</p><p>If so take heart in the news that innovative personal finance tools are helping Australians fight back against the big banks, which collectively now earn $53,000 from us every minute.</p><p>The staggering scale of that profitability – equal to $1200 a year for every man, woman and child has been exposed as often imposing fees that bear no relationship to costs while also shifting unaware customers onto ineffective products.</p><p>The sheer size of the fee issue has been exposed by ongoing legal proceedings by 150,000 account holders against all the major banks, and others, seeking the return of about $200 million of allegedly ill-gotten gains from just one type of charge.</p><p>While such class actions have been a welcome development in the battle for fair play – there have been lesser-known but significant advances at the individual consumer level too, courtesy of innovative online services.</p><p>A new breed of web-based tools is showing up sneaky practices by analysing individuals’ financial records. Armed with that knowledge, customers can then challenge charges or obtain a better deal.</p><p>Monetise is one such tool that allows you to scrutinize your finances to enable a more transparent view of where your money is going. Recently launched in the Australian market, Monetise can realise significant savings through a mix of improved savings rates, reduced borrowing costs and reduced fees.</p><p>Monetise CEO Taichi Hoshino checked his own banks accounts and discovered he was doing himself out of $1600 a year. “I’m very much the type of consumer who benefits from this — time poor and a little lazy,” Mr Hoshino said.</p><p>“Historically, the banks have monopolised information to the detriment of consumers. We are riding a crest of innovation which can be broadly described as empowering the consumer.”</p><p>Monetise is hoping to emulate the success of another service, two-year-old Pocketbook, which helps 130,000 people work out where their money is going. Pocketbook’s technology can identify bank fees and alerts users if they are suspiciously large.</p><p>Pocketbook automatically organises your spending into categories like clothes, groceries and fuel – showing you where money is being spent. You can be notified of fees charged to your accounts and don’t have to ever miss a bill again with their automatic bill detection. “A lot of people have had fees reversed,” said Pocketbook founder Bosco Tan. The service also learns when regular payments are due and warns users not to be late. Mr Tan hopes his service will soon be able analyse users’ cashflow to project whether they will face credit card interest in the coming month.</p><p>There are also comparison websites such as <span style="text-decoration: underline;"><strong><a href="http://www.finder.com.au/credit-cards" target="_blank">www.finder.com.au</a></strong></span>, which allow you to check fees and costs of various financial and other service providers directly against each other.</p><p><strong>Related links:</strong></p><p><span style="text-decoration: underline;"><em><strong><a href="/finance/money/2015/01/budgeting-for-retirement/" target="_blank">Foolproof budgeting for retirement</a></strong></em></span></p><p><span style="text-decoration: underline;"><em><strong><a href="/finance/money/2014/11/great-money-saving-hacks/" target="_blank">Great money saving hacks</a></strong></em></span></p><p><span style="text-decoration: underline;"><em><strong><a href="/finance/money/2014/12/money-mistakes-to-avoid/" target="_blank">5 money lies we tell ourselves that are bleeding us dry</a></strong></em></span></p>

Money & Banking

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Yes, some of the best things in life are free

<p>While it often seems these days that nothing comes for free – fear not, there are still little gems of happiness and fulfillment out there that won’t cost you a penny. Try these simple pleasures for a bit of a pep up.</p><p><strong>Smile and the world smiles with you –</strong> It’s widely acknowledged that the more you grin,&nbsp;the more joy you'll feel. According to one 2012 study, people who&nbsp;received a smile from strangers felt a greater sense of social connectedness. And who doesn't want to feel like they belong? So go on and flash those pearly whites.</p><p><strong>The value of friends and family –</strong> You can't put a price on your loved ones. They're worth everything without costing a single cent – even if your sister can still be a bit annoying at times! It’s a small price to pay when you consider the real value they add to your life. Studies suggest that friendships and family bring huge health perks, from&nbsp;increased longevity to improved mood.</p><p><strong>The power of hugs –</strong> There’s nothing like a warm embrace from someone you care about. Hugs can do a lot more than just make you feel good for a split moment. Research shows they may&nbsp;lower your blood pressure and boost your heart health.</p><p><strong>Sleep is bliss –</strong> Happiness is a satisfying nap or a good night’s rest. Sometimes there’s just no better feeling than crawling into a comfortable bed and letting our minds drift away to dreamland. Sleep is critical for&nbsp;body and brain recovery after a day’s activity.</p><p><strong>Laughteris the best medicine –</strong> It’s hard not to feel your absolute best when you're in the middle of a bellyaching fit of laughter. It also has incredible health benefits with research suggesting that laughing may&nbsp;boost our memory and lower stress.</p><p><strong>All you need is love –</strong> Feeling accepted is crucial to our emotional wellness. We’re happier, our immune system is stronger and even our heart health is improved when we’re around the people we love. So, go hug your best friend, kiss your significant other, create warm memories with your family and make a stranger feel good with a simple smile. All without draining your pocketbook.</p><p><strong>Magic memories –</strong> We often replay some of the best times of our lives in our heads. Nostalgia is one of our mind’s greatest indulgences, and it’s totally OK to embrace it. Studies have found that nostalgia can&nbsp;decrease loneliness and anxiety. Think back to your perfect holiday or your wonderful wedding day. Research shows we spend&nbsp;47 per cent of our waking hours daydreaming, so why not put it to good use?</p><p><strong>Related links:</strong></p><p><span style="text-decoration: underline;"><em><strong><a href="/finance/insurance/2015/02/create-a-personal-mantra/" target="_blank">How to create a personal mantra</a></strong></em></span></p><p><span style="text-decoration: underline;"><em><strong><a href="/finance/insurance/2015/02/the-power-of-laughter/" target="_blank">Why laughter really is the best medicine</a></strong></em></span></p><p><span style="text-decoration: underline;"><em><strong><a href="/finance/insurance/2014/10/the-key-to-positive-ageing/" target="_blank">The key to positive ageing</a></strong></em></span></p>

Insurance

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Still working but looking at retirement? Then you need to read this

<p>Are you now looking at the post-career stage of life and considering your options? You’ve most likely done most of the hard work by now – holding down a career and building your nest egg along the way.</p><p>Leading up to your retirement, it’s time to really start thinking about that next chapter. And then, once you know what you want your retirement lifestyle to look like, you need to know how you are going to fund it, and how to access your money so it goes the distance.</p><p>Rather than a brief sedentary retirement more people these days are enjoying a long, healthy, active lifestyle in their later years. Our general expectations of our retirement lifestyle have also changed. Many retirees now look to work and travel in retirement and maintain an active lifestyle. Whatever your retirement ends up looking like, no doubt it will be very different from your parents’ retirement and likely to be more expensive. But, a little planning and budgeting goes a long way. So start thinking about your retirement, today.</p><p>If you're under the age of 65 and wanting to access super benefits, then retirement generally involves ceasing full-time employment and making a retirement declaration, unless you intend to start a <a href="http://www.equipsuper.com.au/pages/transition-to-retirement-pension" target="_blank"><strong><span style="text-decoration: underline;">transition-to-retirement pension</span></strong></a>&nbsp;or you have unrestricted non-preserved super benefits. If you’re under 65 and you decide to retire, then you can still return to work if your circumstances change, or you genuinely change your mind. If you're under the age of 65, then you can make super contributions whether you’re fully retired, working part-time or working full-time. If you’re aged 65 or over, then you don't have to retire to access your super benefits in most cases.</p><p>Superannuation is one of the key ways to fund your lifestyle once you’ve stopped working, so it’s important to make sure you’ll have enough. A good way to boost your super savings while you’re still working is to consider tax-effective super strategies that can help you save more. And the sooner you start the better.</p><p>A good place to start is to look at your current super fund. You can review the investment and insurance options available, along with your current asset allocation and level of insurance, to determine if the fund is right for you and if you need to make any changes. And if you have more than one super account, consider bringing them together so you save on fees.</p><p>Once you’re satisfied with your super, <a href="http://www.equipsuper.com.au/page/salary-sacrifice-contributions" target="_blank"><strong><span style="text-decoration: underline;">salary sacrifice</span></strong></a> may be a tax-effective way of increasing your super balance. These additional contributions are taxed at a maximum of 15 per cent, which may be a lot lower than your marginal income tax rate of up to 46.5 per cent.</p><p>Another way to add to your super is with <a href="http://www.equipsuper.com.au/files/How.to.boost.your.super.with.voluntary.contributions.pdf" target="_blank"><span style="text-decoration: underline;"><strong>after-tax super contributions</strong></span></a>. You can simply deposit money direct into your super account and your contribution doesn’t get taxed again because you’ve already paid tax on this money.</p><p>Depending on your situation, there could be other tax-effective super strategies available to you including <a href="http://www.equipsuper.com.au/files/Government.co-contribution.pdf" target="_blank"><strong><span style="text-decoration: underline;">government co-contributions</span></strong></a>, low-income super contribution and self-employed super contributions.</p><p><strong>Related links:</strong></p><p><em><strong><a href="/finance/retirement-income/2015/03/life-expectancy-affecting-retirement/" target="_blank"><span style="text-decoration: underline;">The changing landscape for Australia’s retirees</span></a></strong></em></p><p><em><strong><a href="/finance/retirement-income/2015/01/how-to-retire-happy/" target="_blank"><span style="text-decoration: underline;">How to retire happy</span></a></strong></em></p><p><em><strong><a href="/finance/retirement-income/2014/10/a-guide-to-planning-for-your-future/" target="_blank"><span style="text-decoration: underline;">A guide to planning for your future</span></a></strong></em></p>

Retirement Income

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5 super-healthy vegetables you’ve probably never heard of

<p>Tired of the same old local produce and looking for something new, exciting and healthy to spice up your dinner menu. Here are a few exotic veggies that might be a bit harder to find at your local greengrocer but are sure to impress your dinner guests if you can get hold of them.</p><p><strong>Celeriac –</strong> Though popular in Europe, this hearty, delicious root vegetable is not as common in Australia. That’s a shame, because it makes for a great&nbsp;seasonal alternative to the potato&nbsp;in the winter, and is an excellent source of dietary fibre. Celeriac is also noteworthy among root vegetables in that it contains very little starch. So those looking to cut the starch from their diet can still enjoy potato snacks by replacing the potato with celeriac.</p><p><strong>Purslane –</strong> This leafy green is classified as a weed, but is eaten in salads throughout the Mediterranean. Purslane is rich enough in all manner of good stuff to classify it as a superfood. Not only is it high in antioxidants, vitamin A, vitamin C, B vitamins and minerals, it also contains melatonin and has more Omega-3 fatty acids than any other leafy vegetable. It is said to have been Gandhi’s favourite food.</p><p><a href="/finance/insurance/2015/02/myths-about-food/" target="_blank"><em><strong><span style="text-decoration: underline;">Related link: The 4 biggest lies you’ve been told about food</span></strong></em></a></p><p><strong>Sweet potato leaves –</strong> Although the greens are widely popular in other areas of the world, most Australians have no idea that sweet potatoes even have leaves, let alone that they’re edible and delicious, with a softer texture and less bitter taste than kale or silver beet.</p><p>But sweet potato greens as food may be getting more affection soon, thanks to a new analysis published in the journal&nbsp;<em>HortScience</em>&nbsp;that found the leaves have three times more vitamin B6, five times more vitamin C, and almost 10 times more riboflavin than actual sweet potatoes. Nutritionally, this makes the greens similar to spinach, but sweet potato leaves have less oxalic acid, which gives some greens like spinach and kale a sharper taste.</p><p><strong>Kohlrabi –</strong> A relative of wild cabbage, this unique-looking vegetable has been hailed as&nbsp;one of the 150 healthiest foods&nbsp;on Earth. It is most commonly consumed in India, and is a&nbsp;staple in the Kashmiri diet. Pretty much everything on this plant is edible. Fry up the root for some kohlrabi fries, toss the leaves in a salad, or chomp on the crisp, juicy stems for a low-calorie snack.</p><p><strong>Salsify –</strong> This plant might be related to the sunflower, but it's the edible root that is the real treat. Salsify has historically been popular as a food crop throughout Europe and as far as the Near East, and is also believed to have medicinal qualities. In fact, it was once believed to be a cure for&nbsp;snakebites. You can prepare salsify much like you can many other root vegetables, but what really sets it apart is the taste, which is akin to the&nbsp;flavor of artichoke hearts.</p><p><strong>Related links:</strong></p><p><em><strong><a href="/finance/insurance/2015/01/foods-that-increase-brainpower/" target="_blank"><span style="text-decoration: underline;">Foods that increase brainpower</span></a></strong></em></p><p><em><strong><a href="/finance/insurance/2015/02/eat-healthier-without-counting-calories/" target="_blank"><span style="text-decoration: underline;">5 ways to eat healthier without counting calories</span></a></strong></em></p><p><em><strong><a href="/finance/insurance/2015/01/the-truth-about-dieting/" target="_blank"><span style="text-decoration: underline;">Making sense of the diet mumbo jumbo</span></a></strong></em></p>

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