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Daily Archives: September 8, 2021
Love manifestedhow one mama is telling stories through jewelry and raising babies – Motherly Inc.
Posted: September 8, 2021 at 10:29 am
Motherly @ Work features the stories and insights of modern women growing their careersand their families.
Jessica Birak is one of those mamas.
With three beautiful children under the age of five, Jessica is no stranger to hard work and multi-tasking. A strong advocate for extended breastfeeding, birth empowerment and baby wearing, she cares deeply about other mothers, and shares their unique stories through the custom jewelry she makes by hand.
I have the honour of hearing the stories behind the pieces I make. Stories of new life, milestones, celebrations, but also of grief and loss. I am so humbled to be making these special pieces. The most important thing that I have learned as the owner of Mint & Birch is not how to run a business or how to make pretty jewellery. But instead, it's shown me the importance of the people and relationships in our lives. I am in awe of the love that there is in the world." - Jessica Birak
Set to double revenue in this, their third year of business, Mint & Birch was born out of Jessica's generous spirit. What started as a way to hand-make gifts for her friends and family soon grew bigger. But even when the opportunity to outsource arose, she decided that this particular entrepreneurial endeavour deserved to be kept under her caring fingers, one necklace or bracelet at a time.
Now, making a six figure income for her family is a reality, but Jessica keeps her down-to-earth roots, hippie-esque outlook on life, and above all, a loving and kind spirit.
This is her story, in her words.
How did you start Mint & Birch?
Jessica Birak: I actually started making just the nest necklaces, and honestly it was a bit of an accident. I was making Mother's Day gifts, went to the craft store, and threw something together. Once I started giving them to friends and family, everyone wanted them. I loved making them and I loved the reaction that they got.
The eggs in the nest would often symbolize children - living or lost - and was a touching gift to give and receive.
Once you launched, how was your first line of products received?
Jessica Birak: People loved how unique they were. They loved giving them away as gifts. They were sentimental and unique and my launch was timed well so that a lot of people ordered them for Christmas. I had a huge influx of orders as gifts for moms, aunts and grandmothers. The timing was really great because it catapulted me to success early.
How did you expand your product line?
Jessica Birak: Next I launched a line of brass bar necklaces. Stamping custom phrases into metal isn't exactly easy - it's definitely a technical skillso I wanted a material that wasn't expensive if I made lots of mistakes. We also weren't in the financial place to invest in gold or the equipment needed to cut it. Brass was affordable, and a low risk investment.
Once I got good at stamping, I decided to add some more luxurious items to my shop, so my bar necklaces are now available in gold-fill, and I actually cut every single blank out of big sheets of gold by hand. The sheets are thicker than average to create a real luxury and quality feel and finish.
What is most important to you as a designer when you decide how to expand your product line?
Jessica Birak: Above all, the pieces need to be versatile. It takes an immense amount of time and energy to design a new product, so I always want to make something that appeals to all different types of people: those who like really simple products and also those who are looking for something more ornate. It's tricky to come up with designs that everyone will like - sometimes people don't like them!
But honestly, a lot of times I make what I personally would want to wear. People buy my jewelry because they like my brand and the general feel of our company. I feel that if I put myself into what I make, that I'll naturally attract customers who are drawn to what I want to achieve. It's authentic.
Are you led by what your customers are asking for, or by your own creativity?
Jessica Birak: A bit of both. I'm really drawn to trees and nature; I'm a bit of a crunchy mom. One of my dreams is to give birth outside, under the stars, so I like that aesthetic and I recently worked that into my pieces by offering custom stamped moon phases that match important dates.
Why is expanding your product line important to your business?
Jessica Birak: Jewelry is an intensely competitive arena. It's everywhere and there are LOTS of designers. You need to keep things fresh and constantly evolve. Styles change and trends come and go and if you keep your momentum going with new offerings then it definitely gives you that edge.
Especially now with all the changes Facebook and Instagram have made, you are really looking for those comments and likes. I feel like the only way to do that organically is to keep expanding, keep people on their toes, and give them a reason to follow you.
Is there a difference between having a product and having a brand?
Jessica Birak: Definitely. I started out as a hobby-type shop on Facebook. I didn't have a website, an email, or any branding at all. I think the worst part of that is that I wasn't giving a consistent message to my customers and my followers. I feel like a brand is something that tells a story. It's consistent, coherent, has a mission, is captivating, and it it draws customers in to wonder, What's behind the brand?"
Anybody can make anything and sell it at farmer's markets right? Building a brand takes much more work.
Why do you still make everything by hand?
Jessica Birak: *Laughs* I get this question a lot. My annual revenue isn't as high as other shops. Last year we grossed $65,000. And this year we will definitely double that number. but by making things myself I definitely limit the brand's ability to grow indefinitely.
But part of why my brand is so unique, and why people buy from me, is that they know everything is made by hand. By my hands.
Making custom jewelry isn't easy. It takes a lot of practice and precision to stamp everything perfectly. I'm in such a rhythm now; I can't imagine anyone else doing it. I can honestly make them better with my eyes closed.
I guess the truth is that I'm kind of a control freak. But I really love doing it, and I don't want to give it up. I'm actually trying to find a way to slow down our growth. Sometimes it's about lifestyle and happiness above money. Quality over quantity.
Everything is made one by one. It's easy for people to see my prices and think, I can get a bar necklace cheaper elsewhere!" I can't judge what other shops do, but I can say I stand behind our pieces 100%. I test out the materials rigorously - with my kids, out and about, I immerse them in water and all sorts of rough stuff - to make the highest quality jewelry. I'm really proud of every piece I send out.
How does being a mother affect the way you run your business?
Jessica Birak: I treat my business like a baby. I follow my gut instincts like I follow my mama bear instincts with my babies. I think I've learned that there isn't always a one-size-fits-all solution.
And my kids will always come first. Because the needs of my children are always changing, my business will always be adapting. Being a mother has actually helped me in my business; I know how to multi-task, how to adapt, and how to be flexible.
Is there any advice you'd give to aspiring lady bosses?
Jessica Birak: Always remember what drove you to become so passionate about your businesses. For me, it was to tell special stories - and that's something I strive to always keep in mind. It's an honour to be trusted with the innermost feelings of my customers - with the things that are most important to them. That will help you not get caught up in the numbers or the drama.
Make success follow you - don't chase it.
What does Motherly" mean to you?
Jessica Birak: It means to nourish and to give life to something. To be a mother means to accept and honour the uniqueness of each person and each child. I feel like this world can be exhausting.
We're expected to behave a certain way, have certain things, look a certain way, accomplish certain things, and this pressure starts when you're born. As women we're expected to bounce back" after having kids, and kids are expected to act as adults.
Haley Campbell is the founder of Beluga Baby, and a regular contributor to Motherly. She is is an avid advocate for entrepreneurs, and for the new generation of mothers making the world their own.
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Love manifestedhow one mama is telling stories through jewelry and raising babies - Motherly Inc.
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For me, feminism means the freedom to be a stay-at-home mom – Motherly Inc.
Posted: at 10:29 am
My daughter was born in mid-June and my life has been filled with an indescribable joy since she came along.
After many discussions and a lot of planning with my husband, I began to carve out my identity as a homemaker a few months ago: I left a job I held for six years both because my position was being eliminated from my department and because it seemed like a good time to transition into motherhood.
My husband owns a small business and has been growing his company, which is based out of our home. This makes for a wonderful, family-centered lifestyle, which we love.
Interestingly, I have felt pressure from a few people I know regarding my choice to be a homemaker and to raise my baby without daily childcare in her early years.
They have subtly suggested that Im selling myself short by not prioritizing my career, and that Im naively letting my husband pursue his career dreams while putting mine on hold.
I dislike these comments because I have chosenwith great self-awareness and robust, loving support from my husbandto prioritize raising our daughter, cooking meals for my family, gardening outside, caring for our pets and cleaning our house. Writing and teaching yoga part-time are passions of mine, which I plan to continue weaving into my schedule.
I absolutely love doing these things because I feel like Im building our home and nurturing my family. This feeling is so satisfying to me.
I think that is the key: I feel deep satisfaction in my choice to make home full time. If another woman feels deep satisfaction going to work every day that is equally valuable and worthwhile. But, in our quest for a just and equal world where women and men have equal opportunities, it doesnt seem right that some people chastise women who choose home life over the office.
In fact, to suggest that women should do anything other than what they feel is right for them and their families is anti-feminist, in my opinion. My definition of feminism is a woman doing for herself what brings her joy, and makes her feel confident and respected as an individual.
To be fair, there are plenty of women in my life who are happy for me and encouraging my choices. But I feel like the culture of ambition and cut-throat career success that so many of us millennials have been raised to espouseand which I, too, pursued and enjoyed for many yearsis portrayed as the only path to happiness.
Some women with an academic profile similar to minean Ivy League education and a prestigious careerare putting down my choice to be a homemaker and suggesting that if youre a strong woman than you must go back to work and not change or let go of climbing the career ladder.
But I dont believe in living my life like a ladder. Life means more to me than simply having name recognition or fame or widespread success. In fact, Im OK without having any of those things.
This realization has become even more evident to me as I get older and move farther away from the competitive what-college-are-you-going-to-and-what-did-you-get-on-your-SAT? mindset.
I feel more grounded and satisfied doing things that go unrecognized yet feel incredibly rewardingsuch as community service, teaching, caring for people in nursing homes and nurturing my family.
At a time in history when digital technology seems to revolve around the infamous selfie and constantly putting ourselves on display, Im happy to find deep contentment in ordinary, everyday living that is often anonymous.
Now that my daughter has been born, I feel contentment in quiet moments together with her that I know will fade over several lifetimes and which will not be written into history books Precious moments between us that do not requireand in fact would be hindered byan audience.
In such intimacy, love is the only truth and therefore becomes the overwhelming reality.
Nothing else matters.
My body swells with love, electricity and milk when I pick my daughter up from her nap. Shes ready to feed, her dark blue eyes blinking open and focusing on mine like large blueberries in a full moon. Her chubby cheeks swell and her mouth opens in a big, happy, gummy smile.
Then her lips draw into tight little button shape that I call her owl face and she poops in her diaper.
Whoooo, Whoooo, I coo to her.
I kiss the top of her head, and feel her soft black hair with my cheek.
I brush my nose lightly against her powdery-sweet forehead and kiss her temples.
I savor the way it feels when she restscompletely trusting meon my heart and turns her head so that one sleeping cheek rests against my sternum.
My belly is soft, receiving her presence, receiving her trust and shining my love back into her. Our hearts beat gently together.
For every womanfor every personmaking a home, caring for a family and building a career are unique experiences.
I know that often, it is not always financially possible for one partner to stay at home.
I support all women, men, families and caregivers making choices that suit their circumstances. But I think its important that women knowand are even willing to fight and make sacrifices forthe choice to raise a family in place of a making a name for oneself. We had to make adjustments to our budget and lifestyle so that I could be at home.
I know that for me, being at home right now is what feels right. I am happy, my husband is happy, and our daughter is growing healthy and strong.
Thats my kind of feminism.
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For me, feminism means the freedom to be a stay-at-home mom - Motherly Inc.
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Gene Therapies Are Almost Here, But Healthcare Isn’t Ready for Sky-High Prices – Singularity Hub
Posted: at 10:28 am
Zolgensmawhich treats spinal muscular atrophy, a rare genetic disease that damages nerve cells, leading to muscle decayis currently the most expensive drug in the world. A one-time treatment of the life-saving drug for a young child costs $2.1 million.
While Zolgensmas exorbitant price is an outlier today, by the end of the decade therell be dozens of cell and gene therapies, costing hundreds of thousands to millions of dollars for a single dose. The Food and Drug Administration predicts that by 2025 it will be approving 10 to 20 cell and gene therapies every year.
Im a biotechnology and policy expert focused on improving access to cell and gene therapies. While these forthcoming treatments have the potential to save many lives and ease much suffering, healthcare systems around the world arent equipped to handle them. Creative new payment systems will be necessary to ensure everyone has equal access to these therapies.
Currently, only 5% of the roughly 7,000 rare diseases have an FDA-approved drug, leaving thousands of conditions without a cure.
But over the past few years, genetic engineering technology has made impressive strides toward the ultimate goal of curing disease by changing a cells genetic instructions.
The resulting gene therapies will be able to treat many diseases at the DNA level in a single dose.
Thousands of diseases are the result of DNA errors, which prevent cells from functioning normally. By directly correcting disease-causing mutations or altering a cells DNA to give the cell new tools to fight disease, gene therapy offers a powerful new approach to medicine.
There are 1,745 gene therapies in development around the world. A large fraction of this research focuses on rare genetic diseases, which affect 400 million people worldwide.
We may soon see cures for rare diseases like sickle cell disease, muscular dystrophy, and progeria, a rare and progressive genetic disorder that causes children to age rapidly.
Further into the future, gene therapies may help treat more common conditions, like heart disease and chronic pain.
The problem is these therapies will carry enormous price tags.
Gene therapies are the result of years of research and development totaling hundreds of millions to billions of dollars. Sophisticated manufacturing facilities, highly trained personnel and complex biological materials set gene therapies apart from other drugs.
Pharmaceutical companies say recouping costs, especially for drugs with small numbers of potential patients, means higher prices.
The toll of high prices on healthcare systems will not be trivial. Consider a gene therapy cure for sickle cell disease, which is expected to be available in the next few years. The estimated price of this treatment is $1.85 million per patient. As a result, economists predict that it could cost a single state Medicare program almost $30 million per year, even assuming only 7% of the eligible population received the treatment.
And thats just one drug. Introducing dozens of similar therapies into the market would strain healthcare systems and create difficult financial decisions for private insurers.
One solution for improving patient access to gene therapies would be to simply demand drugmakers charge less money, a tactic recently taken in Germany.
But this comes with a lot of challenges and may mean that companies simply refuse to offer the treatment in certain places.
I think a more balanced and sustainable approach is two-fold. In the short term, itll be important to develop new payment methods that entice insurance companies to cover high-cost therapies and distribute risks across patients, insurance companies, and drugmakers. In the long run, improved gene therapy technology will inevitably help lower costs.
For innovative payment models, one tested approach is tying coverage to patient health outcomes. Since these therapies are still experimental and relatively new, there isnt much data to help insurers make the risky decision of whether to cover them. If an insurance company is paying $1 million for a therapy, it had better work.
In outcomes-based models, insurers will either pay for some of the therapy upfront and the rest only if the patient improves, or cover the entire cost upfront and receive a reimbursement if the patient doesnt get better. These models help insurers share financial risk with the drug developers.
Another model is known as the Netflix model and would act as a subscription-based service. Under this model, a state Medicaid program would pay a pharmaceutical company a flat fee for access to unlimited treatments. This would allow a state to provide the treatment to residents who qualify, helping governments balance their budget books while giving drugmakers money up front.
This model has worked well for improving access to hepatitis C drugs in Louisiana.
On the cost front, the key to improving access will be investing in new technologies that simplify medical procedures. For example, the costly sickle cell gene therapies currently in clinical trials require a series of expensive steps, including a stem cell transplant.
The Bill & Melinda Gates Foundation, the National Institute of Health and Novartis are partnering to develop an alternative approach that would involve a simple injection of gene therapy molecules. The goal of their collaboration is to help bring an affordable sickle cell treatment to patients in Africa and other low-resource settings.
Improving access to gene therapies requires collaboration and compromise across governments, nonprofits, pharmaceutical companies, and insurers. Taking proactive steps now to develop innovative payment models and invest in new technologies will help ensure that healthcare systems are ready to deliver on the promise of gene therapies.
This article is republished from The Conversation under a Creative Commons license. Read the original article.
The Bill & Melinda Gates Foundation has provided funding for The Conversation US and provides funding for The Conversation internationally.
Image Credit: nobeastsofierce/Shutterstock.com
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A Protestant Theology of the Body | Gene Veith – Patheos
Posted: at 10:28 am
We have problems coming to terms with our bodies.
This is true of secularists who now insist that sex and gender have nothing to do with the body. And it is true of Christians, who tend to be squeamish in talking about the body.
And yet many of todays most important issues have to do with the body: abortion, COVID policies, health care, genetic engineering, transgenderism, sex, pornography, homosexuality, marriage, parenting, race, virtual reality, virtual communities, the metaverse. . . .
Both Christians and non-Christians seem to be caught in a web of Gnosticism, that ancient heresy that taught that the body doesnt exist or, at most, doesnt matter. This worldview manifested itself in the two opposite, but related, extremes of hyperspirituality (pursuing the spiritual while suppressing and trying to escape from the physical) and moral permissiveness (indulging all physical desires, since only the spiritual counts, it doesnt matter what the body does). And so it is today.
Christianity counters Gnosticism with its doctrines of creation, incarnation, sacraments, and vocation. But those teachings do not carry the weight they used to. In order to deal with the issues it now faces and to help Christians navigate through the increasingly Gnostic culture, the church needs to cultivate a theology of the body.
This has become very influential in conservative Catholic circles. I have dipped into it found it well-worth reading, but it is, of course Catholic, both in its philosophical approach to theology and in its doctrinal presuppositions. That book has launched a myriad of other theological treatments of the body, including some from Protestants.
But now we have by the Australian theologian John W. Kleinig. Dr. Kleinig is well-known in confessional Lutheran circles. (Im currently working with him on his monumental translation of J. G. Hamanns London Writings, soon to be released. ) But he is a resource that all Christians can draw on, and, beginning with this book, published by the evangelical publisher Lexham Press, Im sure he will be.
I can think of no other author who can take on this subject in a more Biblically-rich, Gospel-centered, scholarly, readable, engaging, and devotional way than John Kleinig.
Here are his chapters:
I have bought my copy and will give the book a proper review once I read it thoroughly.
In the meantime, here is the publishers summary and endorsements (my bolds) from Amazon:
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A Protestant Theology of the Body | Gene Veith - Patheos
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Why Martinique Is the Best-Kept Secret in Caribbean Snorkeling – Caribbean Journal
Posted: at 10:28 am
Martinique is mostly known for its magnificent beaches, its hikes and its impressive waterfalls; the impetuous volcano Mount Pele; the rum, the colors, the music; lart de vivre.
But we often forget to talk about what is happening under the sea Martiniques underwater island ecosystem, so sensitive and yet so rich.
But travelers can visit this part of Martinique without a scuba tank.
Thats because this French Caribbean island is quietly one of the regions greatest snorkeling destinations.
Equipped only with a mask and snorkel, you can, just a few meters from the shore, discover a wide variety of species.
There are fish, starfish, eels, lobsters, corals and sponges in a thousand colors and turtles, too.
Youll see the French or royal angelfish, surgeonfish, parrotfish, the flying gurnard, the lionfish (the Caribbeans unwelcome visitor).
And then there is the the sergeant-major fish which will surely come say hi out of curiosity.
Its a true natural aquarium.
But the islands biggest snorkeling stars are easily the turtles.
There are five species of turtle present in the waters of Martinique; but you will especially have the chance to meet two of them during your snorkeling excursions.
First, the green turtle: its very easy to meet one near the beaches, especially those of Anses dArlets.
It is mainly found in the middle of the herbaria on which it feeds.
This turtle is listed as endangered on the IUCN Red List of Threatened Species.
Second, the hawksbill turtle: This turtle is the only species of reptile known to have a spongivorous diet, that is to say that it feeds mainly on sea sponges.
It is easily recognizable by its beak which allows it to tear off those sponges.
You can find her during her lunch in the middle of a coral garden but also on the beaches during the egg-laying season between March and October.
Unfortunately this turtle is classified as critically endangered.
Because while sea turtles have lived in the oceans for over 150 million years, theyre are now endangered and its more important than ever to protect them and their habitat.
All these creatures add up to what is perhaps the great undiscovered gem of Caribbean snorkeling.
Martinique will offer exceptional water hikes that you will never tire of.
With each dive you will meet new species and if you take the time to take a closer look between the corals, an incredible miniature world will open up to you.
Stacy Hate is one of the top underwater photographers in Martinique. For more of her photos and videos you can follow stay_sea_rhums_lovers on Instagram.
Its getting easier to travel to Martinique this winter, with American Airlines relaunch of flights from Miami to Martinique in the first week of November. You can find more about how to visit the island here.
CJ
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Why Martinique Is the Best-Kept Secret in Caribbean Snorkeling - Caribbean Journal
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Health officials plead for vaccine donations to Latin America and the Caribbean. – The New York Times
Posted: at 10:28 am
Officials of the World Health Organization on Wednesday called on countries with a surplus of Covid-19 vaccines to speed up donations of doses to Latin American and Caribbean nations where immunization is moving slowly.
While every country in our region has begun administering Covid-19 vaccines, immunizations are following the fault lines of inequality that have long divided our region, Dr. Carissa F. Etienne, the director of the Pan American Health Organization, a division of the W.H.O., said at a news conference.
Only one in four people in Latin America and the Caribbean has been fully immunized against Covid-19, and for many, vaccines remain months away, Dr. Etienne added.
The divisions within the region are stark. Chile and Uruguay have managed to fully vaccinate more than 60 percent of their populations while more than a third of countries in the region have yet to reach 20 percent.
Vaccination rates remain in the teens in several Caribbean and South American countries and coverage is still in the single digits in Central American nations like Guatemala, Honduras, and Nicaragua, Dr. Etienne said, referring to percentages of people vaccinated. The numbers are especially low in countries with particularly fragile health systems, such as Haiti and Venezuela.
Infections overall are declining in most of South America, while they are rising in much of the Caribbean and in several Central American countries, including Costa Rica and Belize.
Latin America and the Caribbean had received donations of around 43.3 million doses of Covid-19 vaccines by mid-August through bilateral agreements and the United Nations-backed Covax program, according to agency estimates.
The Pan American Health Organization is starting a program to boost regional production of so-called messenger RNA vaccines the same type as the Pfizer-BioNTech and Moderna shots but that effort will not provide doses in the short term.
An additional 540 million doses are needed to make sure every country in the Americas can fully inoculate 60 percent of the population.
Officials deplored the fact that administering booster shots is being discussed in some countries while in others people are desperate to receive a first dose.
This is not only an ethical and moral problem, it is also a public health problem, Dr. Jarbas Barbosa, the pan-American agencys assistant director, said. The best way to control transmission and prevent other variants from emerging is to increase vaccination everywhere, Dr. Barbosa said.
While the highly contagious Delta variant continues to spread rapidly in much of the world, Latin America and the Caribbean have so far largely been spared by the variant and experts arent sure why.
Its not easy to explain, Jairo Mndez Rico, a regional adviser to the agency for viral diseases, said. Perhaps some sort of cross-protection because of the previous circulation of many other variants could be helping to delay the community spread of Delta, he suggested, adding, Its early to say what is happening.
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Royal Caribbean’s Oasis of the Seas Set to Resume Cruise Service – Cruise Industry News
Posted: at 10:28 am
After a 17-month pause, the Oasis of the Seas is back in cruise service for Royal Caribbean International.
Sailing on its first post-pandemic commercial cruise later today, the first Oasis-Class vessel is launching service from Bayonne, in the New York region.
Based in New York the first time, the vessel is now offering a series of seven-night voyages to the Bahamas.
Through the end of October, Oasis is making weekly visits to Nassau, Port Canaveral and Perfect Day at CocoCay Royal Caribbeans private island in the Bahamas.
Home to North Americas tallest waterslides, the popular port of call features unique attractions and sawa $250 million transformation in 2019.
After the New York program, the Oasis is repositioning to Miami for the winter season. Through December, the vessel is sailing alternate itineraries to the Eastern and Western Caribbean, including stops in Mexico, Honduras, St. Maarten and Puerto Rico.
One of the worlds largest cruise ships, the 2009-built Oasis of the Seas has capacity for over 5,400 guests.
Built in Finland, the vessel introduced a groundbreaking design that is highlighted by features such as the Central Park, a park with real plants, surrounded by shops and restaurants.
The vessel also has its public areas divided in seven different zones, known as neighborhoods. Each one of them has a different appeal, with unique attractions. The BoardWalk, for instance, reproduces a seaside pier, with a carousel, carnival games, retail outlets and eateries.
The Oasis of the Seas was also the first ship to feature a dancing-waters theater, a zip-line and a moving bar.
In 2019, the vessel underwent a $165 million refurbishment in Spainas part of the Royal Amplification program.
After a two months period in drydock, the ship emerged with new additions, such as the tallest slide at sea Ultimate Abyss; The Perfect Storm trio of waterslides; a reimagined Caribbean pool deck; and new kids and teens spaces.
The Oasis of the Seas is the 14th Royal Caribbean ship to resume service since the COVID-19 pandemic operational pause.
The ship is also the tenth to return to service for the operator in the United States, after the Freedom of the Seas became the first ship do so in July.
With a 25-ship fleet, Royal Caribbean plans to have 21 vessels in service by the end of the year.
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Royal Caribbean's Oasis of the Seas Set to Resume Cruise Service - Cruise Industry News
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This family left the U.S. and now lives on a Caribbean island: ‘We have no regrets’ about moving abroad – CNBC
Posted: at 10:28 am
In 2016, when my husband and I told our family and friends that we were selling our home and cars and moving our family to Mexico, they immediately told us we'd regret it.
They even brought up stats on the dangers of living abroad, ranging from cartel violence to healthcare problems. But we didn't let that stop us from doing something that we knew was necessary for our growth as a family.
We've been living abroad for almost five years now in two very different places: Mazatln, Mexico, a beautiful, colonial city on the Pacific Ocean, and currently Antigua, a colorful Caribbean island.
When my husband and I tell people that we have no regrets about leaving the U.S., they ask about what tips we'd give others, especially families with kids, who want to move abroad.
Here are our top tips:
Before we moved, we introduced our three kids then ages three, four and five to Spanish via television (with Netflix, you can change language) and the Duolingo app.
Even though we were downsizing from a 3,200-square-foot home in Chicago to something much smaller, we told them they could each bring a couple of their favorite toys and a blanket, so they had some comfort items.
Gabriella M. Lindsay and her family in Mexico
Gabriella M. Lindsay
Having some constants can help kids adjust amidst big changes. In Chicago, we enjoyed pizza night every Friday, so we've been keeping that tradition alive.
In Mexico and Antigua, basic healthcare is considerably less expensive than in the U.S., and in some cases, it's cheaper to pay out-of-pocket.
When our son needed a CT scan in Mexico, we booked it directly with the diagnostic center (no referral needed) and paid $65 out-of-pocket.
But it's still a good idea to have international health insurance. Some carriers include emergency air ambulance, which is a must-have. When my mother was in the hospital in Mexico City, we had to get an air ambulance back to the U.S. Without health insurance, it would have cost around $25,000.
Keep in mind that international health insurance is not the same as travel health insurance. International insurance provides a comprehensive level of health care to those relocating from their home country for a sustained period of time, whereas travel insurance offers emergency treatment while you are in another country for a shorter amount of time.
Before moving, we set aside at least three months' worth of living expenses in our emergency savings account, plus airfare home.
It's important to be financially prepared for unexpected events, like needing to book a flight out due a bad storm or hurricane, losing a job, or if an urgent medical issue comes up.
Research the place you plan to move to and figure out the costs of housing, food, education, transportation, utilities and other essential expenses. If you have kids, don't forget to factor in the number of people in your family.
Four months before moving to Mexico, we spent two weeks in Mazatln. We drove around the areas we wanted to live in looking for "For Rent" signs, then called the numbers and made appointments (in the best Spanish we could muster).
After looking at five different places, we finally found one we loved and signed a lease. It was a two-story, four-bedroom, three-bathroom home with a small casita or a maid's quarters just 10 minutes from the beach in a safe and friendly neighborhood.
Our monthly rent was $475. By searching ourselves and contacting the owner directly (their information is typically listed in the "For Rent" signs), we avoided paying the inflated fees that often come with using a rental agent, which can sometimes cost two or three times more.
Connecting online with expats who live in the area is another great way to discover available rental options.
Most of the non-retired expats we know are either employed in the country they live, work remotely for a U.S.-based company, or are entrepreneurs.
Currently, my husband teaches at the American University of Antigua, and I run my own copywriting business. We follow a monthly budget plan based on our income and projected expenses.
We also researched banks in advance and set up an account ASAP. You might not be able to open an account before arriving, but you can still make sure you have all the required documents ready when you get there.
Lastly, if you're a U.S. citizen living abroad, your worldwide income is still subject to U.S. income tax. But you may qualify for certain foreign-earned income exclusions or foreign income tax credits. (Check out the IRS' Tax Guide for U.S. Citizens and Resident Aliens Abroad for more information.)
In Mexico and Antigua, we chose reputable local private schools for our kids. Tuition per child was about $100 per month in Mexico, where they spent six to seven hours a day learning in Spanish. Here in Antigua, we pay $200 per month for each child.
In Mazatln, Mexico: The kids' very first week of school in 2016.
Gabriella Lindsay
Enrollment is often limited for international private schools, so make your plans early by researching online, filling out any applications and making deposits.
The quality of education has been great small classes, traditional subjects like math, science, reading and lots of history. Our kids love it, too, and they've made many wonderful friends.
If your partner is not yet on board, give them time and space to explore. Suggest taking a trip to the area you're interested in and spend a few weeks there.
Discuss plans that you'll both be comfortable with. Speak and listen to each other with kindness, love, respect, understanding and patience.
It may take a lot of compromises, perhaps even so much as splitting your time between a family home in the U.S. and a rental home abroad.
The same advice goes for those who considering moving abroad solo. Visit the place and live like a local stay in an Airbnb, go grocery shopping, use public transportation and attend events like an outdoor concert or festival. Make new friends and talk to other expats in the area.
You don't have to live abroad for years on end to experience a new culture. You can take an extended vacation or get a digital nomad visa and work remotely for a few months.
These past few years have been such a life-enriching experience for our family. Our kids are so much more cultured, open-minded and well-rounded. Whether you live abroad for a month or a lifetime, it's worth the adventure.
Gabriella M. Lindsay, a Chicago native, is a copywriter, author, and educator. She lives on the island of Antigua in the Caribbean West Indies with her husband and three young children."Living F.I.T.: A 40-Day Guide to Living Faithfully, Intentionally, and Tenaciouslyis her first book. Follow Gabriella onInstagram.
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Caribbean Currents: What does it mean to be from the West Indies? – The Philadelphia Tribune
Posted: at 10:28 am
I recently had a conversation with someone that I met for the first time, and because of his accent, I asked him which island he is from. He responded by stating that he is from Dominica but, he said, I am a proud West Indian. Many of us can identify with this statement because when asked where we are from many of us will say one of three things: We will say the specific name of the island we are from, or we will say we are from the Caribbean, or we will say that we are from the West Indies (if we want to sound more exotic).
What does it mean when people from the Caribbean region say that they are from the West Indies, or they are West Indian? Lets now pinpoint the geographical location. According to the Encyclopedia Britannica, there are three major divisions that makes up the West Indies: the Greater Antilles, which includes the islands of Cuba, Jamaica, Hispaniola (Haiti and the Dominican Republic) and Puerto Rico; the Lesser Antilles, which includes the Virgin Islands, Anguilla, Saint Kitts and Nevis, Antigua and Barbuda, Montserrat, Guadeloupe, Dominica, Martinique, Saint Lucia, Saint Vincent and the Grenadines, Barbados and Grenada; and the island groups of the North American continental shelf and the South American shelf the North American shelf including the Bahamas and the Turks and Caicos Islands, and the South American shelf including Trinidad and Tobago, Aruba, Curaao and Bonaire. (Bermuda, although it is not a part of the West Indies, is historically and culturally linked with the other islands. It is often included in definitions of the Caribbean region.)
Why are the West Indies called the West Indies? This is a snippet I learned in my adult years: When Christopher Columbus arrived in this region of the Americas, he thought he had reached the Indies (Asia) on his voyage to find another route there. Later on, when Europeans realized that it was not the East Indies (Asia) that he had reached, they named it the West Indies to distinguish it from the East Indies.
Since all of the people of the Caribbean wholeheartedly claim the West Indian label, we asked some people in the area what it means to them to be West Indian. Melanie Hylton of New Jersey said that being West Indian is not just in name. It is a culture, it is unity, it is all of us as a people, she said. Just like here in the United States, we are made up of a melting pot of people who came from all parts of the world, but we came together in the West Indies and formed similar cultures on each island with just a little extra spice that makes each one unique.
Another person said to be West Indian is to be fun, energetic and colorful. In addition to that, I say to be West Indian also means to exude warmth like the sunshine and serenity like the blue waters, and to exude energy and be full of life like the lush flora and fauna of each island.
Bee Laine said that to be West Indian means she has a sense of belonging. My biological family provides a lot of support for me, she said. In a broader sense I know that I am embraced by others who share a similar culture. I am Jamaican, but when I am with other West Indian or Caribbean people, I am secure in my value system. The English-speaking West Indian people all experienced colonialism (the good and the bad). We all have the British foundation whether we like to admit or not this is part of the blend that makes all ah wi one!
Some of the most interesting statements came from young Caribbean-Americans. They said they do not feel that being West Indian or Caribbean means that you were born in the islands. They said that it is the way you are brought up. When you are raised by Caribbean parents, you grow up with a great appreciation for the culture and the history and love for the people. They become a part of you.
At the end of the day, it is our experience of life in the Caribbean and common African ancestry/roots that make us one with each other. That is true anywhere we are in the world. When one hurts, we all hurt, and when it comes down to the nitty and the gritty, we will be there for each other.
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Why Royal Caribbean and Carnival Corporation Stocks Slumped Today – The Motley Fool
Posted: at 10:28 am
What happened
Shares of cruise line stocks Carnival Corporation (NYSE:CCL) and Royal Caribbean (NYSE:RCL) both slumped in Friday trading, closing the day down 4.4% and 4.2%, respectively.
The jobs report -- and Delta -- seem to blame.
Image source: Getty Images.
The U.S. Department of Labor reported today that the U.S. economy added only 235,000 jobs to its pandemic-wreaked rolls in August -- less than one-third of the 720,000 new jobs that economists had forecast. CNBC called the report "the worst since January," observing that "heightened fears of the pandemic and the impact [of] rising COVID cases" appear to be behind the sad numbers.
And investors can draw two conclusions from this: First, the delta variant of COVID-19 is acting as a drag on the economy. At the same time as it depresses jobs growth, it's likely that the continued spread of the virus is going to weigh on the minds of anyone considering getting into proximity with a lot of people -- for example, bottled up on a cruise ship for days at a time alongside thousands of strangers.
And second, the corollary to that is that the more COVID-19 depresses jobs growth, the fewer people will have jobs -- and disposable income -- to spend on cruises even if they are inclined to cruise.
In both respects, therefore, a weak jobs report bodes ill for the cruise industry. That's the fact that investors in cruise stocks seem to be responding to today.
This article represents the opinion of the writer, who may disagree with the official recommendation position of a Motley Fool premium advisory service. Were motley! Questioning an investing thesis -- even one of our own -- helps us all think critically about investing and make decisions that help us become smarter, happier, and richer.
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Why Royal Caribbean and Carnival Corporation Stocks Slumped Today - The Motley Fool
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