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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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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 seasonal alternative to the potato 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 <em>HortScience</em> 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 one of the 150 healthiest foods on Earth. It is most commonly consumed in India, and is a 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 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 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>

Insurance

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5 things money-wise people never do

<p>It’s easy to fall prey to hidden service fees, slick marketing hype and sneaky sales pitches. Here’s a few tips to steer clear of some typical financial pitfalls.</p> <p><strong>Think before you get lured by the clearance sale signs –</strong> As much as getting a bargain is important to those with a head for money, just because something is cheap doesn’t make it a bargain if you don’t need it and won’t use it. Think carefully about what you will do with something before you make the purchase.</p> <p><strong>Steer clear of full-price household items –</strong> Waiting until end-of-season sales ensures you can stock up on wardrobe essentials without breaking the bank. There’s nothing more annoying than buying a suit then seeing it half price a week later!</p> <p>Furniture and white goods can be purchased through factory outlets, or ask sales assistants about floor stock which may be slightly marked but heavily discounted. Also don’t be afraid to ask, especially when making a big purchase, whether the advertised price is the best price they can do, and to request a discount for multiple purchases. You may be surprised how far they’re willing to go for your business.</p> <p><strong>Do your research before buying big-ticket items –</strong> Many large stores price match, even if they don’t advertise it, because they want to keep your business. Before you make a big purchase ensure you research the product online – read reviews on comparison sites and ask friends for advice about which items are the best value for money.</p> <p><strong>Pay that interest on your credit card –</strong> Money-smart people don’t have credit card debt that can’t be paid off each month. Minimise the number of credit cards you have (one is usually enough to do things like internet purchases) and make sure you get one that works for you. Perhaps pick one with an interest-free period, or one that allows you to earn points and pay off the balance in full each month. Or, better yet, if you know you might struggle to pay it off, ditch the credit card altogether and use a debit card instead.</p> <p><strong>Resist buying that brand new car –</strong> There’s a saying that you lose money on a new car as you are driving it out of the yard because cars depreciate in value very quickly. Buying a near-new second-hand car or a demonstration vehicle means you get a lot more bang for your buck. You’ll pay less through a private seller than a dealer, but make sure you enquire about the reasons for selling and check that the car doesn’t have finance owing and hasn’t been in any accidents before you commit to buying.</p>

Money & Banking

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Are you an impulse buyer? Here’s how to stop!

<p>If you’ve been drawn into the online shopping vortex, lured by countdown sales and urgent clearance specials, chances are you’ve made an impulse purchase. You’ve probably experienced “the guilts” after giving the credit card a belting at the local shopping centre, but at what point does the odd impulse buy become a serious problem? Let us take a closer look.</p> <p><strong>Why do we do it?</strong> In the fast-paced world of internet shopping and same-day delivery, 24-hour sales and one-off offers, Paypass and Paypal, our needs and wants can be instantly gratified. The increasing need for instant gratification is the main contributing factor to making an impulse purchase, along with an inability to control emotion. This lack of impulse control seems to disrupt normal decision-making processes in consumers’ brains.</p> <p>There are also targeted marketing campaigns: those sneaky ads that aim for those who easily succumb to making quick and uninformed decisions. Marketers cleverly utilise tools with a lot of hype and sizzle to entice an emotional rather than a rational response to the purchase. Not surprisingly, sale events are also designed to cause a frenzy of impulse buying. The chaotic environment of a sale can lead to a lack of personal control, which can result in a wardrobe full of unworn clothes. Sound familiar?</p> <p><strong>What happens when it becomes a serious problem?</strong> While it’s easy to joke about impulse buying, it can become addictive, causing serious problems. Impulse buyers can run up huge debts and compromise relationships with others. Their behaviour can lead to lowered levels of confidence and self-control and heightened levels of depression and anxiety.</p> <p><strong>So, how does one put a lid on it?</strong> Luckily, there are steps that can be taken to curb the urge to buy impulsively. These include:</p> <ul> <li>Setting a budget before you shop.</li> <li>Leaving credit cards at home and only taking a certain amount of cash with you to the shops.</li> <li>Learning to slow down and take time to consider purchases.</li> <li>Seeing a psychologist to develop a set of behavioural and attitudinal techniques involving a) awareness, b) acceptance and c) action. This involves gaining awareness into why you buy impulsively, accepting this is a problem and then taking action to develop good impulse control strategies.</li> </ul> <p>Whether it’s a real problem or just an occasional brain snap, there’s no harm in learning a little self-control, especially leading into the many seasonal sales there are each year. Your wallet will thank you for it.</p> <p>If you have impulse-happy shopping buddies, it can be easy to let them convince you that all the outfits you just tried on look great, and you should definitely buy them. If you want to shop socially, do it with people who also have frugal spending habits.</p> <p>You should also keep a list of things you justifiably want or need. That way, if you do see them on sale, you can buy them with confidence.</p>

Money & Banking

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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. Physical exercise 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 sleep 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><span style="text-decoration: underline;"><strong><em><a href="/finance/insurance/2015/11/computer-hackers-tell-tale-signs/">11 signs you’ve been exposed to hackers</a></em></strong></span></p> <p><span style="text-decoration: underline;"><strong><em><a href="/finance/insurance/2015/11/banks-checking-your-facebook/">Banks might start checking your Facebook page</a></em></strong></span></p> <p><span style="text-decoration: underline;"><strong><em><a href="/finance/insurance/2015/11/widows-charged-higher-for-insurance/%20%20%20">Widows charged higher for car insurance</a></em></strong></span></p>

Insurance

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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