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How one company is making life insurance more accessible with AI

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Ladder Life family dinner

  • Buying life insurance can be a complicated process that can sometimes take six to eight weeks, which turns off millions of Americans from purchasing it.
  • There is a $16 trillion life-insurance coverage gap in the US because so many are uninsured and under-insured.
  • Ladder offers an easier way to buy life insurance, using AI to cut down on the time to get a quote and policy.

Life insurance literally changed Jamie Hale's life. When he was 11 years old his father died, leaving his mother to raise Hale and his brother. But because his father had the forethought to have life insurance, the grieving family got to stay in their home and be close to their support system during their difficult time. The money allowed both sons to go to college, too.

"That stability provided me with an opportunity that changed my life," Hale wrote in 2016. "It allowed my dad to provide me a home and an education, even though he wasn't there himself. He couldn't prevent his death, but he could still profoundly impact my life."

As an adult, Hale became aware of another tragedy: The thing that brought so much security to his life was increasingly difficult to get. Buying life insurance is so difficult that 19 million Americans get stuck during the process and walk away. It has created a $16 trillion life-insurance coverage gap in the US because of so many uninsured and under-insured Americans.

Hale decided life insurance needed to be better and more accessible, so he cofounded Ladder— and the company is transforming the industry with game-changing technology.

Agent-free life-insurance shopping

In the past, you needed an agent to buy life insurance — that's just the way the process worked. Insurance commissions can be very large and the bigger the policy, the bigger the commission. This has led to some agents  trying to upsell customers, making the process more time consuming and more expensive.

Ladder takes out the middleman and empowers people to calculate their own insurance needs and buy the right policy for them. And it all happens online, whenever the customer is ready. Plus, it's faster — exponentially faster. It's possible to arrive on the Ladder website and walk away with a policy in as little as five minutes. Compare that to the typical six-to-eight week traditional insurance process.

Customer-focused underwriting

What could possibly take six to eight weeks? In addition to the back and forth involved in working with an agent, buying life insurance traditionally involves medical exams, which can include going to a lab for blood draws or scheduling an appointment for a lab technician to come to you. All that happens before you even get a quote.

Some insurers have recognized how difficult that is, and now offer simplified programs with no exams, for a price. Customers have to choose between extra effort or paying extra. "We don't think that's a fair choice," Hale says.

Using AI to instantaneously crunch data and process applications, Ladder's unique online underwriting gives customers the best of both worlds. In some cases, people may be shipped an easy at-home lab kit before getting a final offer, but most Ladder customers get an offer instantly online.

Access to flexible coverage

After all the work that usually goes into getting life insurance, customers are typically stuck with whatever they bought, no matter how their life changes. But life does change, and so do people's financial needs. As your mortgage shrinks and your kids' education is paid off, you might not need as much coverage. Or you could need more if your family grows, for example.

Ladder lets customers reduce coverage (and premiums) as often as they want with just a few clicks — and increase coverage by applying for more. One customer named Kevin, a married technology professional with twins, learned firsthand how easy it was in the midst of a life-changing surprise.

"When my single child turned out to be twins, I literally went on the website and clicked the button to up my policy," he says. "I don't know how it can get any easier than that."

Overall satisfaction with Ladder reflects the same sentiment. The company has close to five out of five stars (4.7, to be exact) on Trustpilot after more than 800 customer reviews. One thing reviewers seem to love is the customer service. All Ladder's customer-service reps are licensed agents, but they don't work on commission. They're just there to help if needed.

That's a big change for life insurance. Coupled with a fast, AI-driven, customer-focused process and flexible coverage, Ladder is living up to Hale's biggest goal: to make life insurance accessible enough that every family has the chance at the same stability and security his dad gave him.

Find out how easy life insurance can be with Ladder.

This post was created by Insider Studios with Ladder.

Join the conversation about this story »


Drive-through beerfests and glass 'greenhouses' over tables at restaurants: Photos show the measures Germany is taking to start reopening

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Car Disco Germany April 2020

  • Germany has started reopening on a state-by-state basis after enacting coronavirus lockdown measures beginning March 22. 
  • As of May 19, Germany is among the 10 countries most affected by the coronavirus worldwide, but has the lowest fatality rate, according to data from John Hopkins University.
  • The fatality rate is a calculation that divides the number of coronavirus deaths by the number of infections.
  • Merkel has urged leaders of Germany's 16 federal states to lift restrictions gradually; however, thousands of Germans gathered in cities the past two weeks to protest measures still in place.  
  • Photos of drive-through beer festivals, glass houses placed over restaurant tables, and sparsely populated soccer stadiums show how Germany's reopening slowly, but surely.

SEE ALSO: Germany is reopening with one of the lowest death rates in the world. Here's how it barely missed a trick as it fought the coronavirus.

NOW READ: Photos of crowded cafés and parks show what life is like in Sweden, one of the only European countries not under strict lockdown during the coronavirus outbreak

Germany, one of the countries most impacted by the coronavirus based on number of deaths, has started lifting coronavirus restrictions following a lockdown that began in mid-March.

Source: Business Insider, Johns Hopkins University



As of May 19, Germany is among the 10 countries most affected by the virus, but it has the lowest fatality rate, according to data from Johns Hopkins University.

Source: Business Insider, Johns Hopkins University



Germany went into lockdown beginning March 22, banning public gatherings of more than two people, closing schools and non-essential businesses, and urging residents to stay five feet away from each other.

Source: New York Times



The number of new daily infections peaked one week into the lockdown, then began to fall off.

 

Source: Our World in Data



Germany's success in managing the spread of the virus has been attributed to early lockdown measures, widespread testing, a well-funded healthcare system, and clear messaging from the government, Business Insider's Bill Bostock previously reported.

Source: Business Insider



Following a drop in the daily rate of new coronavirus cases, Chancellor Angela Merkel met with the governors of Germany's 16 federal states on April 15 to discuss a plan for reopening.

Source: Reuters



Soon after, Germany made plans to reopen on a state-by-state basis, beginning with in-person classes for graduating high school students in late April.

Source: Business Insider, The Local



Shops, restaurants, museums, and places of worship have also been able to reopen as long as they observe social distancing.

Source: Business Insider, The Local



Restaurants have come up with particularly creative distancing solutions. This brasserie in Hagen has set up outdoor dining 'greenhouses' so that the restaurants can safely serve customers outside regardless of weather.

Source: The Local, Business Insider



In Laatzen, a hotel is placing realistic-looking plastic dolls at tables to signal that they are off-limits and make restaurants feel less empty.

Source: The Local, Business Insider



The Gutenberg Museum in Mainz, one of the oldest museums in the world dedicated to printing, made complimentary face masks for visitor use.

Source: The Local, Business Insider, Museums of the World



This church in Perlin moved service outside in order to keep devotees physically apart.

Source: The Local, Business Insider



During a May 12 broadcast, Chancellor Angela Merkel said that the ingredients for a successful reopening are "social distancing, face masks, and respect."

Source: Business InsiderDW Politics 



On May 16, Bundesliga, Germany's soccer league, resumed operations and became the first major league in the world to do so. Mike booms and a ban on handshakes have kept games and interviews social-distancing compliant.

Source: InsiderBusiness Insider



Though the country is lifting restrictions, thousands of Germans gathered in large cities, from Stuttgart to Berlin, over the past several weekends to protest lockdown measures still in place.

Source: NPR, The Local



Merkel has cautioned against reopening too quickly, saying last month that Germany must pursue a "smart and careful" reopening strategy to prevent a wave of new infections.

Source: New York Times



For now, across all states, large gatherings are banned until August 31. That hasn't stopped Germans from finding workarounds, like drive-in concerts.

Source: The Local



Residents of Altenburg have been able to attend drive-in 'car discos' and party to house music until 1 a.m.

Source: Associated Press



In Landshut, hosts of an annual folk fair made festivities drive-through friendly instead of calling off the event.

Source: Getty



New York City's rental market is bouncing back, but tenants are still signing leases on apartments sight-unseen

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The availability of apartments in New York City is approaching pre-pandemic levels.

  • Since the pandemic, the number of available rentals in New York City has plummeted.
  • As landlords took units off the market and existing tenants decided to renew, the number of available units dropped 52% through March.
  • On May 19, StreetEasy reported on "early signs of a rebound," with rental inventory returning to late-February levels.
  • In-person tours are still banned — prospective renters have to sign leases based on virtual walkthroughs.
  • Visit Business Insider's homepage for more stories.

Apartment hunting in New York City has always been a struggle. But when the coronavirus locked the city down, realtors and renters alike had to adapt to a new reality. 

In early April, Governor Andrew Cuomo reclassified real estate as essential businesses after an appeal by the New York State Association of Realtors. 

The state soon clarified, though, that all showings had to be done virtually.

Ari Harkov, a realtor with Halstead Real Estate, told Business Insider most of the buildings he worked with weren't allowing non-residents past the lobby, anyway.

He and other realtors are using Facetime, Zoom, YouTube, even Instagram, to conduct virtual walkthroughs. Some are offering highly detailed 3-D tours and moving applications, payments, and lease signings online, according to Curbed.

The number of walkthrough videos added to listings on StreetEasy increased 330% in March, the site reported, and views of virtual tours have shot up 800%.

A New York City apartment building on May 13, 2020.

Compared to buyers, "more tenants are open to considering a sight-unseen rental commitment or a rental commitment from a video," Harkov said. But it's no replacement for the real thing. 

"Real estate remains an in-person business," he added.

Harkov says his sales are down 85%. In the rental market, though, it's been the inventory that disappeared. 

In late March, many renters decided to renew rather than move during a pandemic. Some landlords kept their properties off the market altogether. 

StreetEasy reported there were 52% fewer rentals available in the second half of March than the first half. For the week ending March 29, there were only 1,500 apartments on the market. 

As the new normal sets in — and more people opt to leave New York — that's changing. On May 19, StreetEasy economist Nancy Wu reported on the "early signs of a rebound" in the number of New York City rentals. 

By the end of April, Wu said, new inventory had surpassed late-February levels, "and has continued to increase every week in May." 

In the week ending May 10, there were nearly 5,000 new apartments listed across the five boroughs. 

"Renters looking for a new apartment have increasingly more options to choose from," Wu said.  

Apartment rental inventory in New York has returned to late-February levels, according to a report in StreetEasy.

Rahul Singla has been trying to find a new apartment since March. He currently lives in a prewar one-bedroom loft in the West Village and is hoping to find a similar setup nearby. 

Singla wanted to stay in his place until after the pandemic subsided, but his landlord is moving back into the unit in June. 

Facing a ticking clock, he's making peace with moving into a place he's never actually visited.

"There are very limited postings on StreetEasy and almost no possibility to have a physical look," he said. "Agents are trying to do their best to give FaceTime or 3D tours. That helps, but it can't substitute for a physical look."

Governor Cuomo has said real estate businesses would be part of phase two of New York State's reopening plan. While upstate New York could be approaching that threshold soon, it may be weeks, or even months, before downstate is ready for in-person viewings.

Demand may shrink more by then, as students, interns, and new hires are telecommuting rather than moving into the city.  

SEE ALSO: 9 ways to renegotiate your rent to a lower price, according to experts

Join the conversation about this story »

NOW WATCH: Take a look inside a $28.5 million NYC apartment on Billionaires' Row

The billionaire art collector who owns Andy Warhol's former Montauk estate is reportedly entertaining offers for the oceanfront property. Here's a look inside.

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Eothen - Former Home of Andy Warhol - Montauk, NY

  • The owner of Andy Warhol's former Montauk estate is accepting offers in the range of $65 million for the property, Jennifer Gould Keil reported for the New York Post. 
  • Warhol once entertained the likes of John Lennon, Mick Jagger, and Jackie Kennedy at the waterfront abode.
  • Art collector and gallerist Adam Lindemann purchased part of the estate in 2015 for $48.7 million, Curbed previously reported.
  • Take a look into the legendary property, which has a main house, five separate cottages, a private beach, and dramatic views of the Atlantic.
  • Visit Business Insider's homepage for more stories.

SEE ALSO: Walt Disney's 'Technicolor Dream House' just sold for $1.1 million. Here's a look inside his former Palm Springs retreat.

NOW READ: Jackie Kennedy's childhood summer home just hit the market. Look inside the 125-year-old Hamptons property.

Art collector and gallerist Adam Lindemann, the owner of Andy Warhol's former estate in Montauk, New York, is accepting offers in the ballpark of $65 million, the New York Post's Jennifer Gould Keil reported.

"Celebrities are circling," according to Gould Keil's sources.

A representative for Lindemann at his art gallery, Venus Over Manhattan, didn't immediately respond to a request for comment from Business Insider regarding the reported sale.

Source: The New York Post



Lindemann purchased part of the estate — known as Eothen, or "from the east" — from former J. Crew CEO Mickey Drexler in 2015 for $48.7 million, according to Curbed.

"I knew Andy in the early 1980s as a very young man, and I'm a collector of his work," Lindemann told Page Six at the time of the sale. "I'm very lucky to have this opportunity to live out this dream. It's a work of art."

Source: Sotheby's, Curbed



The adjacent 24-acre horse farm is still owned by the Drexler family, Curbed reported.

Drexler listed the entire compound for $85 million, but Lindemann was only interested in purchasing the 5.7 acre estate once owned by Warhol, not the horse farm, according to Page Six.

Source: Curbed



The Church family, of Arm & Hammer Baking Soda fame, built the 5.7-acre property as a fishing camp in the 1930s.

Source: Sotheby's



Warhol and filmmaker Paul Morrissey went on to purchase the property for roughly $220,000 in the 1970s, according to the Wall Street Journal. Jackie Kennedy, Mick Jagger, Elizabeth Taylor, and John Lennon were among the estate's most notable guests.

Source: Sotheby's, The Wall Street Journal 



The estate consists of one main house, plus five smaller cottages.

Source: Sotheby's, Wall Street Journal



Combined, there are nine bedrooms and 11 full bathrooms totaling 15,000 square feet, according to the 2015 Sotheby's listing.

Source: Sotheby's



The main house features dramatic views of the Atlantic, from the living room ...

Source: Sotheby's



... to the kitchen.

Source: Sotheby's



Each cottage has its own distinct character.

Source: Sotheby's



While some have lighter, beach-house aesthetics ...

Source: Sotheby's



... others have dark wood-paneling.

Source: Sotheby's



One even has a bedroom painted barn red.

Source: Sotheby's



To boot, the property comes with a private beach.

Source: Sotheby's



Backcountry is having a massive sale on past-season items and new arrivals — including deals from its in-house brand, Columbia, and Fjällräven

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Backcountry

  • Backcountry is one of the best places to get outdoor gear, clothing, and accessories from top brands at discounted prices. 
  • Right now, you can save up to 55% on sale items from all of your favorite outdoor brands. You can also save up to 50% on Backcountry-branded past-season styles and up to 25% on new Backcountry-branded summer clothes. 
  • There are thousands of deals for men, women, and even kids, so to save you time, we narrowed it down a bit.

Backcountry is one of the best places to shop for outdoor gear, clothing, and accessories from top outdoor brands and there are plenty of deals available.

Right now, you can save up to 55% on sale items from brands like Patagonia, Columbia, PrAna, Fjällräven, and more. Additionally, you can save up to 50% on Backcountry-branded past-season items and up to 30% on Backcountry-branded new arrivals

Whether you're looking for camping, hiking, or climbing gear to use this summer or cold-weather styles to hold on to until the fall and winter, you'll find it here. There are thousands of deals across different sale categories, so we've rounded up the best sales on our favorite brands to shop at Backcountry.

Shop the Backcountry sale, or go straight to specific deals below.

Shop the deals by brand:

Backcountry T-shirts, shorts, fleeces, jackets, and more

Shop all Backcountry brand deals, up to 65% off

Shop all Backcountry brand new summer arrivals, up to 35% off



Marmot bibs, gloves, down jackets, camping gear, and more

Shop all Marmot deals, up to 50% off



Black Diamond trekking poles, gloves, climbing shoes, and more

Shop all Black Diamond deals, up to 60% off



Patagonia jackets, fleeces, base layers, and more

Shop all Patagonia deals, up to 66% off



Fjällräven jackets, pants, backpacks, and more

Shop all Fjällräven deals, up to 65% off



Columbia jackets, fleeces, hoodies, vests, and more

Shop all Columbia deals, up to 55% off



Burton backpacks, gloves, anoraks, and more

Shop all Burton deals, up to 55% off



PrAna sweaters, pants, flannels, and more

Shop all Prana deals, up to 70% off



Smartwool socks, underwear, base layers, and more

Shop all Smartwool deals, up to 55% off



Smith helmets and sunglasses

Shop all Smith deals, up to 65% off



Sorel boots for women, men, and children

Shop all Sorel deals, up to 67% off



Arc'Teryx ski jackets, pants, boots, and more

Shop all Arc'Teryx deals, up to 61% off



How to easily recreate 3 TikTok food trends at home: What you need to make pancake cereal, Dalgona coffee, and 3-step crème brûlée

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TikTok food trends 4x3

  • TikTok has become a major platform for all kinds of videos, from choreographed dances to clever and unique cooking how-tos. 
  • Food hacks and creative recipes do especially well on TikTok because they use familiar ingredients and clear, approachable steps.
  • The most popular ones often tap into nostalgia or save time. 
  • We'll show you how to make three of TikTok's top food trends: pancake cereal, Dalgona coffee, and three-step creme brulee.
  • Read more: 15 comforting meals we're cooking at home 

As people quarantining at home this summer look for ways to fill the time, they're flocking to online classes, intense workouts...and TikTok. The social media platform, now reportedly two billion app downloads strong, has proven to be an entertaining respite from external stresses and the pressure to be productive during these times. 

On TikTok, you can log an endless number of finger scroll-miles watching users dance to catchy pop anthems or act out skits that only get funnier the more you replay them.

Quick home cooking clips have also claimed a major corner of the app and taken on a life of their own.

TikTok has made stars of ordinary home cooks eager to share food hacks and elevated personalities like vegan influencer Tabitha Brown, whose three million followers delight in her warm and playful recipe advice. 

Where TikTok's cooking content diverges from other platforms is in its focus on creative recipes and authentic production, sans polished set-ups and lighting schemes.

Best practices advised by the TikTok Creator team highlight the importance of approachability: "Videos are not only instructional but also feel like they're coming from a friend," TikTok representative Christine Alabastro told us, and, "voiceover is a great way to incorporate a human touch and personality into a video."

Much like other areas of the app, the food world on TikTok feels democratic — as long as your contribution is clever or time-saving, and it feels authentic, there's a good chance that users will recreate it in their own kitchens.

From there, a trend picks up speed and feeds into itself. The more often users see it on the app, the more motivated they are to try the original, or put their own spin on it. 

dalgona coffee 4

Popular food trends on TikTok right now are aesthetically pleasing twists on familiar dishes.

Anneta Konstantinides, a lifestyle editor at Insider who reports on TikTok, says, "I'm definitely seeing miniature as a huge trend for these TikTok pieces, and influencers have said the same to me as well."

At the time of this article's publication, videos with the hashtag #MiniTutorials have 2 billion combined views. A particularly popular mini food idea, #PancakeCereal, has 985 million combined views and has inspired scores of spinoffs, including cookie cereal and donut cereal.  

Konstantinides believes the trend works because it's cute but also reflects nostalgia and our current mood. "Cookies, pancakes, and cereal are all things we had as kids when we were living at home with our parents, and now we're making them for ourselves while in quarantine. I think it brings us back to our childhood a bit, especially those of us who can't be with our parents right now," she says. 

Dalgona coffee, the beautiful whipped beverage that has origins in various countries including India, Greece, and Libya, and was popularized by Korean YouTubers in early 2020, is another one that comes up again and again. 

"It's truly perfect for Instagram and TikTok," says Konstantinides. "It looks impressive in photos and it needs a bit of time to make, which we all have right now! And the fact that you can so easily tweak the recipe and make so many kinds of whips, even vegan, has made it very accessible." 

While the above trends can take some time to master, users are also looking to cut corners in the kitchen. 

"Much of the current food and drink content on TikTok is focused around hacks...there's a lot of content right now that's about simplicity and using ingredients that you already have in your home, rather than a really elaborate recipe or cooking tutorial like you'll see on YouTube," says Mary Keane-Dawson, group CEO of influencer marketing platform Takumi, which advises clients on food and drink content strategy on TikTok. 

Examples include demos on how to cut a large and unwieldy watermelon or freeze herbs and olive oil in an ice cube tray for easy storage and meal prep. Many of these tips and tricks have floated around the Internet for years, but TikTok, with its 60-second clip limit and tools to easily add text, voiceovers, and other effects, lends itself perfectly to the genre.

It's telling that even when users are stuck at home and theoretically have all the time in the world, they still find comfort in optimizing that time and making their lives easier. Another explanation is that as stay-at-home orders drag on, the initial shiny excitement of creating complex meals wears away and people just want to stay fed with little effort.  

While we can't predict the exact recipes that will become popular in upcoming months, we're guessing that aesthetics, nostalgia, and hacks will remain relevant themes in home kitchens everywhere, for a long time to come. If you want to try some of the best TikTok food trends, we've included recipes, tips, and recommended products below. 

Here's how to make 3 of the best TikTok food trends at home: 

Dalgona coffee

What you need:

Steps:

  1. Mix coffee, sugar, and water in a bowl until liquid turns into a thick whip. 
  2. Spoon the mixture on top of a glass of milk and stir until well-combined. 

Notes:

  • You must use instant coffee, but you can substitute any granulated sweetener and milk. 
  • While hand whisking technically works, it takes a long time and will tire out your arms. Try to use an electric mixing tool to save time and energy. I didn't have a hand mixer and used a hand blender instead. 
  • There are also variations for whipped Thai tea and matcha available online. 

Where to buy the tools:

Product Embed:
Product Name: Waka Coffee Instant Coffee (8-pack)
Card Type: small
https://produktor.businessinsider.com/productCardService?id=5e6fe673c485407fcb161444&type=small&live=true
Width: 100%
Height: 150%
Product Embed:
Product Name: KitchenAid 9-Speed Digital Display Hand Mixer
Card Type: small
https://produktor.businessinsider.com/productCardService?id=5e14ab0fc69927032b191607&type=small&live=true
Width: 100%
Height: 150%

 



Pancake cereal

What you need:

Steps:

  1. Make your pancake batter. 
  2. Pour it into a squeeze bottle or a plastic bag with a small hole cut in the corner.
  3. Heat your griddle or pan, then drop small portions of batter onto the surface. 
  4. Flip them with a spatula — you don't need to turn them individually.
  5. Transfer to a bowl and drizzle with maple syrup. You can also add milk. 

Notes:

  • Variations of this trend include cookies and donuts.
  • Turn the heat up to make your pancakes crispier and more cereal-like. 

Where to buy the tools:

Product Embed:
Product Name: Black & Decker Family-Sized Electric Griddle
Card Type: small
https://produktor.businessinsider.com/productCardService?id=5d49e4c7100a2416172b06a5&type=small&live=true
Width: 100%
Height: 150%
Product Embed:
Product Name: OXO 59091 Turner/Spatula
Card Type: small
https://produktor.businessinsider.com/productCardService?id=5df11a5dfd9db25235140fc6&type=small&live=true
Width: 100%
Height: 150%

 



Easy crème brûlée

What you need:

  • Your favorite vanilla ice cream
  • 1 egg yolk
  • 1 tbsp sugar 
  • Ramekin
  • Baking dish

Steps:

  1. Preheat the oven to 325°F. 
  2. Melt half a cup of ice cream in the microwave and mix in egg yolk.
  3. Pour the mixture in a ramekin. 
  4. Pour hot water into a baking dish, then place the ramekin in the dish. Bake for 40-50 minutes. 
  5. Once the crème brûlée has set and cooled down, cover it in plastic wrap and refrigerate for at least two hours. 
  6. Caramelize the sugar in a pan over low heat, then pour the liquid over the creme brulee. The sugar should harden naturally. 

Notes:

  • If you own a blow torch, you can sprinkle the sugar over the top and melt it that way. You can also use the broil setting on your oven. 
  • You can use flavored ice cream as well, here are our favorites. If you do, use the entire egg, not just the egg yolk. 

Where to buy the tools:

Product Embed:
Product Name: Bellemain Porcelain Ramekins (Set of 6)
Card Type: small
https://produktor.businessinsider.com/productCardService?id=5ec7cd1b5af6cc403c758635&type=small&live=true
Width: 100%
Height: 150%


Wealthy parents are paying to have their kids homeschooled by professionals for up to 5 hours a day, and it shows how the pandemic is widening the gaps in America's education system

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distance learning home school private educator

Wealthy families have hired private educators to smooth over interruptions in their children's education for years.

Katie Provinziano, the managing director of Beverly Hills-based staffing agency Westside Nannies, told Business Insider that before the pandemic, the decision to hire private was relatively rare and often tied to extended travel.

"Initially, we worked with families that were going on world tours or families that were filming on location and wanted to have their children with them, or families that have the means and wanted to take a year off and travel the world," Provinziano said.

However, as the coronavirus pandemic has swept across the world, education is one of the many parts of daily life that has faced abrupt changes. And while travel has ground to a halt, the demand for private educators has not.

Instead, per Provinziano, demand for professional homeschooling is skyrocketing as parents grow increasingly concerned about the quality of education their students are getting virtually. About two-thirds of parents with K-12 aged children are worried that coronavirus school closures will cause their kids to fall behind academically, a survey from the Pew Research Center found.

Schools in 48 states and the District of Columbia have been closed since March, according to data from Education Week. While the Pew Research Center surveys show that the majority of parents are at least somewhat satisfied with their school's distance learning, many are worried that it's not enough.

That's where private educators come into the picture.

"I think what this pandemic has brought on is that there may be other reasons to [hire private educators], like safety for the family and a better educational opportunity given all the limitations and rules that the schools are going to have to have to keep students safe," Provinziano said.

Simulating a school day at home

Unlike traditional private tutors, the educators, who are often former teachers or recent graduates with education degrees, are typically paid between $25 and $60 per hour to instruct all of the family's children together for four to five hours each day, according to Provinziano — simulating a typical school day. The private educators also receive a paid planning period to write lesson plans and grade papers, like teachers do in conventional schools.

Provinziano said that Westside received so many inquiries for private educators in recent weeks that it is writing a guidebook to answer clients' most common questions about homeschooling and the process of hiring a private educator. Many of the families who decide to hire a private educator start the process by selecting an educational philosophy such as Montessori and then use a staffing agency like Westside to find candidates, according to Provinziano.

Forrest Barnett, Vice President of Manhattan, the Hamptons, and Palm Beach staffing agency Hire Society told Business Insider that their clients have also started inquiring about private educators and tutors, especially those with backgrounds in mathematics and foreign language. However, Hire Society is only hiring educators to work with children remotely.

Access to private tutoring is just one of many advantages wealthy students have over their lower-income peers while schools are closed. More than half of upper-income parents told Pew Research Center that their children received "a lot" of online instruction after schools started closing in March, while only 38% of lower-income parents could say the same. Educators across the country are worried that a lack of internet access, schools with limited digital learning tools, and the unavailability of healthy meals at home will widen the achievement gap between America's richest and poorest students, Reuters' Joseph Ax reported.

School isn't the only thing wealthy families are recreating at home

For the wealthiest families, an educator may be only one of several people employed specifically to keep school-aged kids engaged while at home under coronavirus lockdown.

Some of Provinziano's clients are also hiring coaches and former camp counselors to create the experience of summer camp even while social distancing. Barnett told Business Insider that Hire Society launched a new program designed to help families build camp-like schedules to keep their kids busy as stay-at-home orders stretch into the summer in New York and California.

Some public health experts, including Dr. Anthony Fauci, have warned that the pandemic might not end this summer. In a Senate hearing earlier this month, Fauci said there is "virtually no chance" the coronavirus will be eradicated this summer and that reopening the country prematurely could lead to a second, even more deadly outbreak of the coronavirus in the fall, Business Insider's Aylin Woodward and Ruobing Su reported.

Fearing this, some of Provinziano's clients are even considering keeping their expanded staffs on to continue homeschooling their children regardless of whether schools reopen later this year, in an effort to keep their families shielded from the virus.

"Homeschooling is an unknown for a lot of families, and it can also come with a stigma — like what about socialization?" Provinziano said. "But I think if you have the means to make it amazing, then you can truly make it meaningful. So many of the people we work with have the means to do that and hire really wonderful, passionate educators."

SEE ALSO: Andrew Cuomo just tapped Bill Gates to help him 'reimagine' what New York's public schools will look like when they reopen in the fall

DON'T MISS: Want to become a billionaire? Here are the industries that produce the most ultrawealthy people

Join the conversation about this story »

NOW WATCH: Tax Day is now July 15 — this is what it's like to do your own taxes for the very first time

7 simple things everyone can cut out of their life to reduce anxiety, according to a psychotherapist

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  • Amy Morin is a psychotherapist, licensed clinical social worker, mental strength coach, and international bestselling author.
  • Over half of all Americans struggle with anxiety, and many face difficulty finding ways to cope. 
  • While a little anxiety can be healthy, Morin says that high anxiety can prevent you from performing well at work and cause tension in your personal life.
  • Here are seven things she recommends cutting down on or cutting out completely.
  • Visit Business Insider's homepage for more stories.

Despite the many conveniences of modern-day life, not to mention the invention of anti-anxiety medication, anxiety levels still continue to soar. In fact, a 2018 survey conducted by the American Psychiatric Association found that over half of all Americans struggle with anxiety. And almost 40% of Americans said that they are more anxious now than the year before.

While a little anxiety is normal and healthy (its purpose is to keep you safe from danger), too much of it can take a toll on your life. If your anxiety gets too high, it may even interfere with your ability to function. It's estimated that one in five Americans may have a full-blown anxiety disorder.

High anxiety may require professional intervention, but individuals with lower levels of anxiety may find relief by making a few small lifestyle changes. Here are seven things everyone can cut out of their life to reduce anxiety.

SEE ALSO: 10 ways mentally strong people remain stable when it feels like their world is crumbling, according to a therapist

DON'T MISS: 7 things that mentally strong people don't waste time doing, according to a psychotherapist

1. Sleeping with your smartphone in your room

Most people scroll through social media before they fall asleep and depend on their smartphone's alarm to wake them. Many even reach over to check their social media feeds when they wake up during the night.

And while it may seem convenient to sleep with your smartphone next to you, having your digital devices close by is likely fueling your anxiety.

A 2018 study published by Computers in Human Behavior found that people who gave up sleeping with their smartphones in their bedrooms decreased anxiety within one week. In addition to having less anxiety, participants said that they felt happier, slept better, and felt their relationships improved. Almost 94% of participants said they planned to continue keeping their smartphones out of their bedrooms at night after the study ended.



2. Watching the news

Studies consistently show that watching the news raises our anxiety. This makes sense given that most news stations report the bad news — catastrophic events, tragic accidents, and economic disasters are among the norm.

And these days, it's hard to escape the news. In addition to newspapers and TV news, we're bombarded with the latest stories on social media throughout the day, and our inboxes get flooded with newsletters mentioning the latest doom and gloom.

And perhaps the most discouraging part of all is that your anxiety levels might stay high long after you stop watching the news. A 2007 study published in the International Journal of Televised Medicine found that participants' anxiety levels remained high after watching the news even when they were engaged in an activity meant to distract them. Participants who engaged in an active relaxation strategy — like progressive muscle relaxation—were able to calm themselves. But of course, most of us don't turn to relaxation strategies after we consume news.



3. Caffeine

Caffeine and anxiety can be a vicious cycle. Anxiety can impact your ability to sleep. To help you stay awake during the day, you may depend on coffee or energy drinks.

Studies show that caffeine increases anxiety. Not only might you feel more anxious after consuming caffeine, but you also might have more difficulty sleeping at night. The cycle often repeats itself.

Of course, it's hard to cut back on caffeine if you've become psychologically or even physically dependent on it. You may need to reduce your intake slowly if you're a heavy caffeine consumer.



4. Alcohol

Anxiety and alcohol use can also be a two-way street. You might turn to alcohol to help you cope with stress when you're in an anxiety-provoking social situation. But alcohol can increase your anxiety in the long-term.

Many studies have linked anxiety with alcohol, and it's clear that individuals with anxiety disorders are at a higher risk of developing substance abuse issues. One study found that alcohol dependence is almost four times higher in individuals who use alcohol to cope with anxiety.

Reducing — or eliminating — alcohol altogether might seem like a tough proposition, but it could greatly decrease your anxiety in the long-term. Don't be afraid to seek professional help. Anxiety is one of the most treatable yet undertreated psychiatric conditions.



5. TV before bed

While you might think a few minutes of TV help you unwind before bed, watching a show at bedtime affects your sleep in the opposite way.

Studies show that the light emitted from a TV (or any digital screen) interferes with your circadian rhythms. Your body produces melatonin when it's dark as your brain prepares your body for sleep. Watching TV interferes with that process. It can delay your REM sleep — which causes many people to feel anxious.

It may also leave you feeling more tired the next day, which in turn may cause you to depend more on caffeine to stay awake, which can fuel your anxiety.



6. Commiserating with your friends

You might feel that complaining to your friends or family members helps you release pent-up feelings of frustration. But studies show that you don't need to "vent" your frustration. In fact, complaining is likely to make you feel worse rather than better.

When you encounter stressful events, your body releases a stress hormone called cortisol. Studies show that complaining about an event amplifies the release of cortisol — especially in women. Increased cortisol can have damaging effects on the body, including headaches, high blood pressure, chest pain, and difficulty sleeping — all of which can amplify your anxiety.

So rather than dwell on your problems, your time is much better spent searching for solutions. Active problem-solving may relieve your anxiety, while talking about your problems is more likely to keep you stuck in a perpetual state of anxiety.



7. Buying things you can't afford

When asked about their biggest source of anxiety, most Americans say they worry most about bills— and their inability to pay them.

While some people are likely struggling to meet their basic needs, many others find themselves deeply in debt due to living above their means.

Social media has brought the desire to "keep up with the Joneses" to a whole new level. It only takes a few minutes of scrolling through Instagram to feel like everyone else has things you want. And online shopping makes it easier than ever to buy things you can't really afford.

A little "retail therapy" may make you feel good for a minute. But it backfires in the long-term when you can't afford to pay your bills.




4 steps schools, museums, and other nonprofits can take right now to attract sponsors and land major donations during the pandemic

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  • The coronavirus pandemic has triggered budget crises for museums, performing arts companies, and universities across the country.
  • Many high net worth individuals are looking for new ways to give back during the pandemic, making this a great time for nonprofits to recruit new donors, according to wealth research firm Wealth-X.
  • Potential donors want transparency about both what organizations are doing to support their community throughout the pandemic, and their plans for reopening.
  • Visit Business Insider's homepage for more stories.

The coronavirus pandemic has decimated the revenues of nonprofits across the globe, and not all of them are expected to survive.

For museums, performing arts companies, places of worship, schools, and other nonprofits, securing a large donation might be the only way to stay afloat. Recruiting billionaire benefactors is a delicate, time consuming process during the best of times. It can be even more tricky during a pandemic.

Research firm Wealth-X, which operates a database of high net worth individuals designed for non-profits and higher education, has identified four ways organizations can engage ultra-wealthy philanthropists right now.

1. Show off what you've done during the pandemic.

Many arts and education organizations that aren't working on the front lines of the pandemic are working to engage their communities while their doors are closed to the public. Museums across the country are posting virtual gallery tours, while some dance companies are uploading performance videos to have a digital spring season.

These initiatives are invaluable when it comes to demonstrating to prospective donors that your organization is essential even if your employees aren't officially designated that way. This is especially important for educational institutions that may be offering free lectures online or redirecting some of their research towards the search for a vaccine, according to Wealth-X senior director Maya Imberg

2. Entertain donors from their homes.

With many people suffering from "quarantine fatigue" after months of social distancing, providing personalized experiences for donors is more important than ever before. For years, the ultra-wealthy have begun shifting their personal spending away from luxury goods towards experiences like travel, per Wealth-X's 2020 A Decade of Wealth report.

Wealth-X suggests that organizations looking to engage with potential donors should personalize every interaction based on the person's interests and values. This is a strategy fundraisers should stick with beyond the pandemic, as Wealth-X expects that personalized experiences will continue to be important to high net worth individuals long after the shutdowns end.

3. Expand your donor base.

The pandemic has inspired many high net worth individuals to look for new ways to give back to their communities, making this the perfect time to expand your organization's donor base, according to Imberg.

Imberg recommends researching the colleagues, friends, and families of your existing donors to see if any of them have ever expressed an interest in your organization's category but haven't made a donation. Once you have a list of names, you can use what you have learned to reach out to those people personally.

4. Highlight your plans for when life returns to normal.

As many parts of the world start to reopen, wealthy donors are likely anxious to hear the status of your reopening plans. Imberg recommends that organizations highlight what they've done to keep their staff employed throughout the crisis and the solutions they've found to help them reopen safely. 

Donors have come to expect quick and transparent information on even the most complex and expensive of items, according to Wealth-X's Decade of Wealth report. Providing those details is not only essential to receiving a donation now but building a relationship that will last.

SEE ALSO: More Americans are working from home than ever because of the coronavirus crisis, but slow internet speeds and expensive electricity costs don't make it easy for everyone. Here are the 10 worst states for WFH.

DON'T MISS: Meet the billionaires bankrolling Trump's 2020 campaign

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A Colorado high school threw a graduation ceremony for its 66 students like only a ritzy ski town could, and the photos are pretty great

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telluride graudation

  • The coronavirus pandemic has necessitated a wave of virtual graduation ceremonies and celebrations— but it has also inspired some creative celebrations.
  • A high school in Telluride, Colorado, devised a socially distant graduation ceremony like only a luxurious ski town could.
  • Gondolas lifted graduates of Telluride High School and their families up to the top of Telluride Mountain, where they received their degrees from their principal and superintendent.
  • Visit Business Insider's homepage for more stories.

SEE ALSO: Universities and students are celebrating the graduating class of 2020 amid the coronavirus pandemic with robots, 'Minecraft,' and 'Animal Crossing'

May 2020 brought a wave of creative virtual and socially distant high school graduation celebrations, ranging from drive-by parades to virtual ceremonies held within video games like Animal Crossing.

Source: Business Insider



Last week, Telluride High School took it a step further than a car parade through the luxurious Colorado ski town's main drag.



Students and their families paraded in cars — or on bikes — to Telluride's skiing village, where they boarded gondolas to the top of the mountain for a personal graduation ceremony.



All 66 students received a specific time to board a sanitized gondola up to the top of the mountain.



Once there, each masked graduates received their diploma from the school principal, Sara Kimble, and local superintendent Mike Gass as parents looked on.



"I couldn't be more proud of how the students and the community all rose to the occasion and helped make the end of the year memorable," Kimble said.



The graduation site, which was 10,500 feet above sea level, provided the perfect photo opportunity with the Wilson Range in the background.



The town's gondolas, which are typically loaded with tourists and their skis, were not even running due the coronavirus. The special event was coordinated specifically for Telluride High School's graduating class.



While individual ceremonies might not have been exactly what the graduates had anticipated, the true-to-Telluride alternative was surely unforgettable.

Source: Visit Telluride



4 science-backed ways to cope with depression if you've lost a job and feel like you also lost your sense of purpose

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unemployment depression

  • Some 2.4 million Americans filed jobless claims last week, bringing the past nine-week total to nearly 39 million. This can mean that many Americans are likely experiencing "unemployment depression" right now.
  • "Unemployment depression" is when being unemployed or between jobs negatively impacts your mental health, according to psychologist and relationship expert Dr. O. Christina Nelsen. 
  • Rates of depression rise among unemployed individuals the longer they go without finding work, a 2014 Gallup poll found. A 2017 study from the University of Leipzig in Germany found that the rate of depression among older, long-term unemployed workers was much higher than the rest of the population.
  • Many Americans feel isolated, and less people are engaging in group activities such as volunteering. This makes the effects of "unemployment depression" even worse. 
  • Visit Business Insider's homepage for more stories.

Right now millions of Americans are likely facing the anxiety, sadness, and shock of losing one's job. 

Last week, the US Bureau of Labor Statistics reported that 2.4 million Americans filed jobless claims, bringing past nine-week total to nearly 39 million. Before March, the previous record had been 695,000 claims filed in 1982, during the 1980s recession.

In fact, a recent piece in The Atlantic found that the number of Americans reporting depressive symptoms is rapidly increasing. Some experts quoted estimate up to 50% of Americans could be suffering from some sort of mental health issue.

Psychologist and relationship and sex therapist Dr. O. Christina Nelsen, who uses they/them pronouns, calls the very real feelings "a situational response" or "situational depression." The San Francisco-based mental health expert says they've had many clients who show symptoms of "unemployment depression," even after voluntarily deciding to leave their jobs. 

If the novel coronavirus pandemic has led you to losing your job, know that you're not alone in feeling a mix of very difficult emotions. Here's an explanation of what many call "unemployment depression," as well as steps to cope with it. 

We're independent, but we're also lonely. And unemployment shines a spotlight on that. 

Today, we don't have to socialize with others to have our needs met.

Think: ordering food from your apartment to be delivered, shopping for clothes online in your room, working remotely, going to the grocery store by yourself. One's income, not one's community, is the thread that connects all these activities. Pull the thread out (by losing your job, or deciding to leave your job without another one lined up) and the whole tapestry of one's life unravels. 

If you don't have a job or a community that you know can help you get back on your feet, your mind goes into survival mode.

"Our neurophysiological systems are going to start getting activated. From a bio-survival standpoint, it becomes, 'Okay, can I survive? Am I going to be able to eat? Am I going to have shelter?'"

Many people, especially those who are single or live alone, don't have much meaningful contact with humans outside of work, Nelsen added. So when a relatively isolated person loses their work friends, they lose a large part of their social network.

Indeed, many Americans report being lonely, a 2018 survey by health insurer Cigna found. Nearly 50% of the 20,000 people polled reported feeling lonely or left out always or sometimes. While it's difficult to quantify if loneliness has in fact increased over the years, rates of volunteerism have decreased, and more Americans report having no religious affiliation, the American Psychological Association found.

Unemployed individuals are more likely to suffer from depression, with symptoms worse for anyone who is without a job for six months or more. A 2017 study from thee University of Leipzig, Germany, came to a similar conclusion: Older, long-term unemployed workers are more likely to have depression than the rest of the population. Additionally, a 2015 study found that the odds of depression were about three times higher for unemployed young adults (ages 18-25) than their employed counterparts.

You feel defined by what you do for work. 

There's a narrative, especially in American culture, that what you do for work defines who you are, Nelsen said. 

Think of how conversations flow between strangers. "What do you do?" Is usually one of the first questions people ask each other. Nelsen, a frequent traveler, anecdotally noted that they find Americans start conversations with info about their jobs much more frequently than people from other countries. 

"Actually in a lot of other cultures that's considered really rude to ask because that's what you do, not who you are. Right? There's so many more interesting things about you," they said.   

Here's how to cope with 'unemployment depression.' 

  1. Get professional help, even if finding an affordable option takes time.  

"Unemployment depression" can feel like real depression, and it can also trigger someone who is prone to clinical depression into a depressive episode. Symptoms of clinical depression include insomnia, appetite disruption, having difficulty experiencing pleasure, having low energy, and suicidal thoughts. If you are struggling, it's important to seek help from a therapist or mental health professional immediately. 

Finding an affordable therapist might be difficult, but there are options. Search for local clinics, community-funded centers, or universities that offer free services under the care of graduate-level students overseen by licensed professors. In addition, ask your insurance provider which therapists are in-network, and ask out-of-network therapists if they use a sliding scale for someone without a job. The Substance Abuse and Mental Health Services Administration's hotline also offers free, confidential, 24/7 treatment referral information. Simply call 1-800-662-4357. 

  1. Don't be afraid to reach out to friends, and lean in to your social networks. 

While you may be tempted to isolate, especially out of shame over not having a job, it's important to connect with others, Nelsen explained. 

"We're social beings, we need connection to thrive and to survive," they said. 

Find a meetup group, go do an activity that's not work related, sign up for a class, or even just give an old friend a call to start. 

  1. Change your narrative 

Identifying yourself by what you do for work isn't necessarily a bad thing, Nelsen said. But identifying yourself only by your job is. Remember who you are outside of your job, and be aware of the narrative you're telling yourself. 

Instead of thinking to yourself I'm a failure. Nobody wants to hire me, counter that with thoughts like I'm educated. I have a substantial work history. I have skills to offer. 

  1. Break down your day into small tasks. 

Every big tasks in life, like finding a new job, can be broken down into small steps, Nelsen said. 

Make a list with a couple things to do each day. "Say, I'm going to update my LinkedIn page, update my résumé. I'm going to go for a walk," they said. 

"Break things into more manageable pieces and don't make it such that it's all consuming, you're only thinking about finding a job," they said. "Try to find other moments here and there to settle your nervous system, connect back to your sense of self, and connect with other people."

SEE ALSO: 17 things that make this the perfect résumé

Join the conversation about this story »

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22-year-old tennis star Naomi Osaka made $37 million last year, surpassing Serena Williams as the highest-paid female athlete. Here's how she did it.

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Naomi Osaka is the highest-paid female athlete in the world.

The 22-year-old tennis star raked in $37.4 million in the past year. It's a feat that involves several records broken: Serena Williams was the world's highest-paid female athlete for four years running, and Maria Sharapova previously held the title for the most money earned by a female athlete in a single year.

Osaka has seemingly come out of nowhere. A professional tennis player by the age of 16, she was largely taught how to hit the court by her father and avoided the junior tennis circuit growing up.

Osaka didn't work with her first professional tennis coach until age 18. Within two years, she was finally thrust into the international limelight when she won two Grand Slams back-to-back — which involved a major upset for Osaka's role model, Serena Williams, in the US Open.

Set to compete in the World Olympics for Japan, Osaka now has a string of lucrative endorsement deals under her belt.

A representative for Osaka didn't immediately respond to a request for comment from Business Insider regarding her endorsement deals and their financial details.

Here's how Osaka became the highest-paid female athlete.

SEE ALSO: Rafael Nadal, one of the highest-paid tennis players of all time, just won his 4th US Open. Here's how he spends his millions, from a $725,000 Richard Mille watch to a mansion in Mallorca.

NOW READ: Naomi Osaka became the best-paid athlete in the history of women's sport, earning almost $40 million last year. That's still less than 30% of what the highest-earning man made.

Naomi Osaka has become the highest-paid female athlete in the world, with earnings of $37.4 million in the past year — and she's only 22.

Osaka's earnings break the record for the most money earned by a female athlete in a single year. That record, per Forbes, was previously held by Maria Sharapova, who earned $29.7 million in 2015.

Her earnings also ended Serena Williams' winning streak as the world's highest-paid female athlete, a title William held for the past four years. (Osaka earned $1.4 million more than Williams over the last 12 months, according to Forbes.) Osaka ranks in the 29th spot and Williams ranks 33rd among the 100 highest-paid athletes in the world.

Osaka wasn't even ranked on Forbes' 2019 list of highest-paid athletes.



Osaka was born in Osaka, Japan, to a Japanese mother and Haitian father but moved to the US at age three. Much of her early career took place out of the public eye.

Osaka and her family first lived on Long Island before moving to Florida, the epicenter of youth tennis. She has one sister, Mari Osaka, who is also a professional tennis player. Mari competes in lower-level events and is 18 months older than Naomi.



With dual citizenship in the US and Japan, Osaka registered with the Japan Tennis Association instead of the United States Tennis Association at age 10.

"We made the decision that Naomi would represent Japan at an early age," Osaka's parents told Tom Perrotta of The Wall Street Journal. "Quite simply, Naomi and her sister Mari have always felt Japanese so that was our only rationale. It was never a financially motivated decision nor were we ever swayed either way by any national federation."

Osaka preferred to play in small International Tennis Federation events, which aren't often televised, instead of junior tournaments. She declined to enter junior Grand Slam tournaments even when her ranking was high enough to qualify, Perrotta wrote.

Sean Gregory for TIME magazine described the junior tennis circuit as "a cutthroat environment that burns out many promising teen players."



By age 16, Osaka turned pro. The USTA offered Osaka a spot in its program at this time, but she trained at Harold Solomon Tennis Academy and the ProWorld Tennis Academy with her father instead.

Osaka and her sister were largely taught how to play tennis by their father, Leonard Francois, who would take them to public courts. 

A recreational player, Francois's tennis dreams for his daughters began when he watched Venus and Serena Williams playing in the French Open on TV, wrote Gregory. He looked to the Williams sisters as models for his daughters and copied the coaching approach their father took. 

Naomi and Mari were both homeschooled online so they could dedicate more time to practicing tennis.



At age 18, Osaka stepped up her game: She began practicing at the Evert Tennis Academy and got her first professional coach.

She and her father would practice at the Evert Tennis Academy for two hours a day. "She had a lot of raw talent and she hit the ball a ton, but she wasn't moving and she was making a lot of errors," retired pro tennis player Chris Evert, who cofounded the academy, told the Journal.

But when she began training with two professional coaches — first David Taylor, then Serena Williams' former hitting partner Sascha Bajin — Osaka's game improved quickly.



In 2016, Osaka was named Newcomer of the Year by the Women's Tennis Association. It was a big year for the 18-year-old.

In January 2016 at the Australian Open, Osaka qualified to enter her first Grand Slam, rolling into the third round. She also reached the third round of the French Open and the US Open.

That same year, she became the first Japanese player since 1995 to reach the finals in the Toray Pan Pacific Open, a WTA event in Tokyo.

Two years later, in March 2018, Osaka became the first Japanese woman to win the Indian Wells Masters in California (USA).

Source: Naomi Osaka Profile



Osaka won two back-to-back Grand Slams at age 20: the 2018 US World Open — a controversial match with Serena Williams — and the 2019 Australian Open.

Osaka catapulted into celebrity following her first Grand Slam title at the 2018 US Open, which was an upset loss for Williams. It was a dramatic match that, as Macaela Mackenzie for Shape puts it, involved accusations of an unfair call against Williams, an entire game erased from Williams' record, and a smashed racket. Williams had to eventually tell fans to support Osaka's win.

Osaka became the first player from Asia to reach No. 1 in the singles rankings.

Source: WTA Tennis



In 2019, Osaka gave up her US citizenship to represent Japan in the Summer Olympics in Tokyo.

Japan's Nationality Act mandates that those who hold dual citizenship must choose one before their 22nd birthday, wrote Cindy Boren for The Washington Post.

"It is a special feeling to aim for the Olympics as a representative of Japan," she told Japanese broadcaster NHK. "I think that playing with the pride of the country will make me feel more emotional."

She supported the decision to push back the Olympics until next year amid the pandemic. "Sport will eventually unite us again and be there for us always, but that time is not now," she wrote in a since-deleted Instagram post, as reported by ESPN.



Osaka already had a string of robust endorsement deals, but her Olympics decision made her a hot commodity among Olympic sponsors. It contributed significantly to her earnings last year.

Procter & Gamble, All Nippon Airways, and Japanese ramen company Nissin all signed endorsement deals with Osaka to use her around marketing for the Games, according to Forbes.

"If you're talking about an international sporting event like the Olympics, she's your international star you're going to market it around," Bob Dorfman, a veteran sports marketer, told TIME last year. "She's got American appeal, Caribbean appeal, Japanese appeal. As nationalities continue to mix in this world, that makes her even more desirable."

After a bidding war with Adidas, who Osaka previously partnered with, Nike reportedly paid Osaka more than $10 million last year in an agreement that runs through 2025, per Forbes. Neither Nike nor Osaka's rep has confirmed the financial details of the endorsement agreement.

It plans to launch an Osaka streetwear line in the fourth quarter and gave Osaka a rare exception to its requirement that tennis players only wear Nike gear during a match.



Osaka now has 15 endorsement partners; almost all are worth seven figures annually.

With her endorsement cash, Osaka partnered with several brands last year, including emerging sports drink BodyArmor and sport recovery tech company Hyperice, with significant equity components.

"I'm really interested in seeing a young business grow and adding value to that process," Osaka told Forbes in 2019. "I tasked my team with finding brands that align with my personality and my interests."



People have hailed Osaka as the next Serena Williams.

"Mentally, I feel she's the best female tennis player that I've seen come along since Serena," Rick Macci, a tennis instructor who worked with the Williams sisters when they were young, told the Journal.

Osaka also has one of the fastest serves on record at 125 miles per hour, only slightly slower than Serena's 128 miles per hour serve.

Williams is reportedly Osaka's role model, but Osaka doesn't see herself as the next Serena. "I don't think there is ever going to be another Serena Williams," she told TIME. "I think I'm going to be me. And I hope people are OK with that."



An Apple cofounder is selling his California ranch at a 37% discount. Take a look at the sprawling property that comes with 7 homes, a private airstrip, and a helipad.

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A little-known Apple cofounder has put his sprawling 14,000-acre California ranch on the market for $37.5 million.

Mike Markkula was Apple's third employee and its second CEO.

Markkula's property, known as Rana Creek Ranch, is selling at a 37% discount from what he was asking for the property back in 2013. The ranch comes with a one-bedroom, 5,413-square-foot main house with a guest wing, a separate two-bedroom guesthouse, and five other homes, according to ranch brokerage Hall and Hall. The working cattle ranch includes a private lake, riding arena, two barns, and a 2,900-foot landing strip and helipad. 

The ranch was previously listed in 2013 for $59.95 million, and then again in 2016 for $45 million. Per Hall and Hall, Rana Creek Ranch is the largest landholding in the Carmel Valley.

Markkula and his wife bought the property for $8 million in 1982. Despite never becoming a household name like Steve Jobs, Markkula was instrumental in Apple's early days, investing $250,000 in the company and serving as its second CEO. He was one of the longest-serving board member in the company's history before he left in 1997. 

Bill McDavid of Hall and Hall holds the listing for his ranch.

Take a look at Markkula's sprawling California property.

SEE ALSO: Mike Bloomberg just bought a $45 million Colorado ranch. Take a look at the 4,600-acre property that comes with a helipad and a golf course.

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Mike Markkula, a little-known Apple cofounder, is selling his sprawling California ranch for $37.5 million.

A 1997 New York Times article called the 78-year-old "the least understood" Apple cofounder.

Steve Jobs and Steve Wozniak cofounded Apple in Los Altos, California, in 1976. Markkula soon came on board as the third employee and cofounder with a crucial $250,000 angel investment, giving him a one-third share in the company. He also helped develop the company's business strategy.

He was Apple's second CEO after Michael Scott, who Markkula hired.

At a business lecture in Australia in 2012, Wozniak said that Markkula was instrumental in the early days of Apple.

"Mike Markkula was actually the one man and one person who made Apple a successful company,'' Wozniak said, according to Perth Now, a local paper.

Markkula left Apple in 1997 after more than two decades, making him one of the longest-serving board members in the company's history, per Apple.

 



Markkula's ranch in Carmel, California, spans 14,000 acres.

The 78-year-old Apple cofounder and his wife, Linda, bought the home and the surrounding land for $8 million in 1982.

"We've enjoyed it. We've loved it but it's time to move on," he told The Wall Street Journal in 2016, when the property was on the market for $45 million.

Before that, the ranch was listed in 2013 for $59.95 million.

Since his departure from Apple, Markkula has since invested in a some startups and donated money to Santa Clara University, for the Markkula Center for Applied Ethics.



The Rana Creek Ranch is the largest landholding in the Carmel Valley, per Hall and Hall.

It's about 85 miles south of Silicon Valley.



The listing agent for the property, Bill McDavid of ranch brokerage Hall and Hall, told Forbes that "the great lion's share of the value" of the property comes from its 14,000 acres of land.

"You've got more than 20 square miles surrounding you, and there's a tremendous amount of value that is in the dirt without even looking at the improvements made," McDavid told Forbes.

While the improvements add value, the land by itself would "still be worth many, many millions of dollars because of the landscape that you can't recreate," he said.



The ranch features a 5,413-square-foot main house, a guest house, and five other homes.

Source: Hall and Hall



The main house has 5,413 square feet of space, one bedroom, one bathroom, and two half-baths.

Source: Hall and Hall



The interior is open and airy, with light-colored wood and floor-to-ceiling windows.

Source: Hall and Hall



The kitchen has a large island and an adjoining dining nook.

Source: Hall and Hall



The home's decor leans into the ranch theme.

Source: Hall and Hall



The bedroom is surrounded by windows.

Source: Hall and Hall



It includes a massive walk-in closet ...

Source: Hall and Hall



... and a bathroom with a walk-in shower, a separate soaking tub, and a skylight.

Source: Hall and Hall



The home has a full bar, which Markkula has often used to play cards, he told the Journal in 2016.

Source: Wall Street Journal



There's also a billiards room.

Source: Hall and Hall



The living area has a vaulted ceiling, a wall of windows, and a fireplace.

Source: Hall and Hall



The main house is connected by a covered walkway to a two-bedroom guest wing.

Source: Hall and Hall



The guest wing has a living area with a fireplace, as well as a kitchen.

Source: Hall and Hall



In addition to the guest wing, the property includes a separate two-bedroom guest house, offices, and staff quarters.

Source: Hall and Hall



Also on the property is a private lake, a riding arena, and two barns.

Source: Hall and Hall



Markkula picked up some ranching skills while living on the ranch. "I love rounding up cows on horseback. It's very soothing," he told the Journal in 2016.

Source: Wall Street Journal



An outdoor swimming pool overlooks the ranch's rolling hills.

Source: Hall and Hall



The property was built for those who travel by private aircraft: it includes a 2,900-foot paved airstrip and helipad.

Source: Hall and Hall



Over the decades, the Markkulas have increased the acreage they own and remodeled the existing structures.

The property would be a perfect purchase for somebody who enjoys the outdoors, watching wildlife, hunting, and riding horses, McDavid told Forbes.

"It's one of the things Mr. Markkula loved about the ranch more than anything," McDavid said. "Just kind of being a cowboy and moving the cows to their pasture. But beyond that, you've got hiking, ATVs, or you can sit on the deck and enjoy the view."



Houseboat residents are sheltering in place on their docks, holding float-up concerts in the middle of the water and boating out onto the San Francisco Bay. Here's how they're living through the pandemic.

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houseboat shelter in place san francisco bay area

  • When the San Francisco Bay Area shelter-in-place order became active, residents kicked off what has become a 2-month — and counting — confinement period to their homes.
  • For residents who have made houseboats their home, the living is easy, albeit small.
  • Costs are lower, the company is superb, and the sweeping San Francisco Bay is their backyard. 
  • Here's how two houseboat residents have made the sea life work for them — and how they're handling the pandemic's impact on their lives.
  • Visit Business Insider's homepage for more stories.

When the San Francisco Bay Area shelter-in-place order went into effect on March 17, houseboat resident Amy Heiden thought one thing: "We have the best-possible-case scenario," she told Business Insider.

She lives on a houseboat with her partner just northeast of San Francisco and has spent the last two months living life as usual, for the most part.

So has Raylene Gorum, a resident in a Sausalito houseboat community just north of San Francisco.

"You get community, you get stars, you get this fresh air, you get decks and parties, which is great, except that you can't want to have space or things," Gorum told Business Insider. "Those are the two limitations."

Living on a boat may come with small confines, but that also means having the beautiful bay as a backyard, which can come in handy when the pandemic and stay-at-home order-induced cabin fever begins to creep in.

Here's how houseboat residents are faring during the pandemic — from holding socially distanced float-up concerts on kayaks in the middle of the water to excursions out into the bay — as thousands continue to shelter in place.

SEE ALSO: Photos show how San Francisco is housing its homeless in socially distant tent camps

Heiden has lived on her motor yacht for a year and a half.

She works at SF Jazz, a not-for-profit organization coordinating events at a music venue in San Francisco's Hayes Valley neighborhood. She would usually take the Emery Go-Round shuttle and then BART into the city until offices closed.

As many workers have pivoted to remote work, they've also had to carve out workspaces in their homes, a challenge for Heiden who said she didn't have a lot of extra space to set up a home office on her boat. But she made do.

"We kind of immediately thought if we have to shelter in place, this is the place that we're happy to be sheltering," Heiden said. 

She told Business Insider that she's always been a lover of the water. But it's also "a nice alternative way to have a lifestyle in the Bay Area."



Housing costs have been on a steady incline, and to have a piece of property — albeit a floating piece of property — to invest in and call your own is a desirable feat.

People have turned to living full-time on houseboats as "liveaboards" in recent years specifically to escape the soaring housing costs that come with the Bay Area, as The Wall Street Journal reported in May 2019.

But houseboat communities also have a place in the region's long history, especially in Sausalito where artists, writers, and musicians have long flocked in search of an alternative lifestyle as SF Gate reports.

 

 



Heiden lives on this motor yacht with her partner.

When the shelter-in-place order was issued first in the region, officials announced that residents would be allowed to swim in the ocean. You'll find some doing just that in areas around the bay, including Aquatic Park near Fisherman's Wharf.

Boats are also allowed to go out, as long as occupants are from the same household.

 



A few weeks ago, they took the boat to Angel Island, a landmass near their marina and within sight from San Francisco.

They've been out like that twice since all of this started. She said they would be going out more if not for their engine, which is in less than optimal condition.

She even has some live-aboard friends who are boating and anchoring out for a night or two in designated areas and then returning to their slips.

 



Raylene Gorum lives on this split-level houseboat, but she's more stuck to her slip than Heiden is — her home has a shallow draft and isn't built for going out onto the water.

 

 

 



The term "houseboat" is generally used to broadly define a boat that is used as a home, but Gorum said the terminology is more nuanced than people think.

For example, there are technically differences between boats, houseboats, and floating homes.

There are sailboats and Delta boats — usually used for fishing or trawling — and the like that serve as homes but can still operate as seafaring vessels, able to "anchor up" and go anywhere.

Heiden's motor yacht, for example, is more like a boat than a houseboat, built to withstand the seas rather than simply serve as a home.

And then there's a floating home, which is what most loosely resembles a landbound single-family home. The home has a floating foundation, which may be made of concrete in some cases, but it's usually semi-permanently moored in any given location. They're not built for navigating the water.

The terms are somewhat used interchangeably, however.



The bulk of a house boater's monthly costs is the slip fee, which is usually based on boat footage and costs hundreds of dollars.

Then there's the live-aboard fee, which can also amount to hundreds. Additional costs could be electrical fees, renter's insurance, payment to services that empty the boat's waste tank, boat loan payments, and storage unit fees to keep nonessential items offsite, Heiden said.

Then depending on how much you use it — and if your boat is even fit to leave the slip and navigate the ocean — there's the cost for the fuel of the boat.



There are about 40 marinas in the Bay Area according to Boating SF, some that allow houseboat residents to stay overnight and some that don't. Many have their own unique cultures and community.

Source: Boating SF



One of the region's marinas is Galilee Harbor, a co-op nestled in the quaint town of Sausalito just north of San Francisco across the Golden Gate Bridge.



That's where Gorum lives.

The community is made up of maritime workers and artists, with 85% of residents designated as low-income. It's different from other harbors in that it's 100% live-aboard. 

That means that all 70 people in the community live on their boats full-time. There's a wide age range, but Gorum said the demographic skews older, with lots of retirees.



It's more affordable than other harbors in the region, and residents here pay part of their monthly rent through work hours within the community to keep the co-op up and running.

Some of the residents are ferry captains or charter operators, pillars of the travel and tourism industries that have frozen during the pandemic. 



And everyone living here is tied to each other — literally.

"Everyone's lines are eventually tied to everybody else's, and as storms move through, we all move through that kind of thing together," Gorum said.

There's more consideration of each other as a result. And even if it weren't for that fact, Gorum said as a community, they look out for each other.

"We all kind of have that same experience," Gorum said.

For Heiden, who lives in Emeryville Marina just across the bay from San Francisco, she said there are five or so boats in the vicinity whose owners also live aboard their vessels. Other folks merely come out to work on their boats from time to time.



But Gorum's closest neighbor is spaced 12 feet from her.

"We may not have a lot of space on our floating homes, but you have a lot of outdoor space," Gorum said. "A lot of us have decks, which are good for very distant conversations with neighbors."

That closeness can make things tricky while navigating a public health crisis where personal space is crucial, as SF Gate's Madeline Wells reports.



Gorum said you're in constant contact with neighbors, passing them daily on the dock.

They try to minimize contact, and everyone wears masks, Gorum said.

They're also being cautious about outsiders coming in. Harbors like this have shut off access to the public, as SF Gate reports.

"We've limited other guests, and tourists used to come through our neighborhood all the time, and that's just not happening right now," Gorum said.

There are shared bathroom and laundry facilities on land in the co-op, so residents have had to come up with a schedule to avoid overlap. Gorum said spending time doing laundry with others used to be a nice time to catch up with each other, but not anymore.

"We're not having those comfortable, casual" events on land, she said. "Everything's just been far more isolated."



The community can also eat from the communal garden in addition to visiting a local grocery store.

"I have a salad almost every night just from my garden," Gorum said.

Other than those minor changes, life hasn't changed too drastically for her.

"Structurally, it's very much the same," she said.



She works as an artist, designing large-scale installations for tech companies or public institutions in the region. But commissions are on hold given the current state of things.

"For the first time in a long time, I've switched gears, and I'm working on a series that is just me dealing with things," Gorum said.



She spends about six hours in her studio daily and rides her bike to and from her houseboat.



Gorum may not be able to take her boat out on the water, but she's been getting out there in other ways.



The community has started conducting waterfront float-up concerts, where musicians play from a platform and everyone arrives by kayak, boat, or paddleboard to watch from a distance.

"And then the music starts and it's usually pretty easy to keep your distance," Gorum said. "Because you're moving, you've got to keep up with the tide and the winds and you just keep moving around."



As a community, they've created clever ways to stay connected and anchored during a time of so much uncertainty.



"I think we're adaptable and very creative and come up with new solutions," Gorum said.

"Like that concert just lifted everyone's spirits so much," she said. "You can see that there's possibilities if you just literally think outside of the box."

No one knows for certain when life can return to normal, but Heiden said the way they're living is sustainable for the duration of the pandemic.

"I don't have any intentions to return to land anytime soon," she said.



Gorum feels the same about her beloved community.

"I'm just trying to manage my anxiety about the unknown and I'm actually pretty positive," Gorum said.



From her vantage point, her community and its camaraderie were perfectly poised to weather a storm like this.

"We're all looking for ways to get back to our magic," Gorum said.



7 red flags to be on the lookout for when restaurants reopen

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A waiter with a face mask carries food in a restaurant in Vienna, Austria, Thursday, May 14, 2020. In Austria restaurants may open again under certain conditions from Friday on. The Austrian government has moved to restrict freedom of movement for people, in an effort to slow the onset of the COVID-19 coronavirus. (AP Photo/Ronald Zak)

  • As it becomes possible for Americans across the US to return to restaurants, customers need to be on the look out for red flags. 
  • Restaurants that have not made changes such as requiring workers to wear masks, marking some tables off limits, and rolling out new cleaning practices are probably not safe. 
  • Other red flags include poor ventilation and not allowing customers to make reservations. 
  • Visit Business Insider's homepage for more stories.

As restaurants reopen dining rooms, many Americans are eager to once again eat out at their favorite spots. 

However, customers need to watch out for red flags that signal some restaurants aren't currently safe. 

"The one thing we do know is the virus is still out there," Celeste Monforton, a lecturer in public health at Texas State University told Business Insider. "When some governor said, 'May 1, we're opening things up,' it's not like the virus had a calendar and said, 'OK, I'm going underground again.'"

Experts and industry groups have created guidelines to keep restaurants as safe as possible as they reopen dining rooms. Restaurants that are following this guidance will be far safer to visit than those that have not made any adjustments to protect customers and workers against the coronavirus. 

Here are some red flags to look out for when determining if it is safe to dine out at your favorite restaurant once again. 

SEE ALSO: How to decide if it's worth the risk to return to malls, gyms, salons, and more as states reopen but experts remain cautious

Customers can sit at any table they want.

Social distancing is key to keeping customers and employees safe. And, it's basically impossible to keep customers six feet away from each other if every table is open.

Most restaurants are marking certain tables off-limits. Others are simply removing some of the tables from the restaurant. 

If every table is open and the restaurant has as many seats as it did before the pandemic, you should avoid this spot. 



People are closer than six feet to each other at tables, bars, or while entering the restaurant.

While blocking off some tables can help promote social distancing, you should be aware of any crowding throughout the restaurant. If people are crowded around a bar to order drinks, avoid that part of the restaurant — or avoid the restaurant entirely. 



The restaurant has poor airflow and relies on air conditioning.

An airy restaurant, with big open windows and fans, is safer than a spot with poor airflow that relies on air conditioning to keep customers cool in a stuffy room.  

In an early research letter published in the journal Emerging Infectious Diseases in April, researchers examined how the coronavirus spread among nine people eating at a restaurant in China in January. According to researchers, the restaurant's air conditioner blew the viral droplets of one person who was asymptomatic farther than they might have normally gone. 

Researchers recommended increasing the distance between tables and improving ventilation to prevent the spread of the coronavirus in restaurants. Or, even better, pick a restaurant with outdoor seating.



Employees aren't following sanitizing guidelines.

The National Restaurant Association has offered extensive guidance on cleaning and sanitizing, as well as general advice on how restaurants can reopen relatively safely. 

It is hard to tell at first glance how closely restaurants are following guidelines. If you're concerned, it is worth calling ahead of time and asking what new policies have been rolled out to keep customers and workers safe. 



Workers aren't wearing masks.

Ideally, everyone would wear a mask when people are inside or within six feet of each other. However, that's difficult to do while you're eating. 

Restaurants should require employees to wear masks. In kitchens, it can be hard to strictly enforce social distancing, and waiters are typically forced to come in contact with customers when they're serving food. 

Workers wearing masks can also indicate if the restaurant is taking other safety measures seriously. It is hard to tell just how carefully workers are following sanitizing policies, but it's immediately clear if people are wearing masks. 



You can't get a reservation.

Limited tables and social distancing measures mean that fewer people will be allowed into a restaurant at a time. While employees can turn customers away at the door, a more convenient way to impose limits is by requiring reservations. 

"I think a lot more of the places that used to just be relying on walk-ins are going to have to start actively managing the restaurants, and they are going to use our software to do so," Steve Hafner, the CEO of OpenTable and Kayak, told Business Insider's Gloria Dawson.

You don't need to count out all restaurants that allow walk-in customers. But, making a reservation can ensure you're visiting a restaurant that is following guidelines on how many customers should be allowed inside — and avoid the disappointment of being turned away. 



COVID-19 cases are still on the rise in your community.

The White House's guidelines for reopening say that states need to see 14 days of declining COVID-19 symptoms and cases (or a decrease in the percentage of positive tests within that time frame) before reopening businesses. Hospitals must able to treat all patients without crisis care and have a "robust" testing process available for workers.

If you live in an area where the number of COVID-19 cases is still increasing and hospitals are struggling to provide care for patients, it may not be safe to return to restaurants, even if dining rooms are open.




Here are the celebrities and notable figures around the world who are believed to have died of the novel coronavirus

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john prine

  • The spread of the novel coronavirus has led to over 350,000 deaths worldwide, including some celebrities and public figures.
  • Prominent figures like playwright Terrence McNally, actor Mark Blum, and actress Lucia Bosè are believed to have died from illnesses related to the virus.
  • Here are all the celebrities and notable people believed to have died of illnesses related to the novel coronavirus.
  • Visit Business Insider's homepage for more stories.

This is a developing story. Check back for updates.

Author H.G. Carrillo, who wrote the novel "Loosing My Espanish," died of health complications related to the coronavirus at 59, the Washington Post reported on May 22. Carrillo was on the board of the PEN/Faulkner Foundation and taught at George Washington University.

The Washington Post updated its initial reports of Carrillo's death on May 23 stating that Carrillo was actually from Detroit, Michigan, and not a Cuban immigrant as Carrillo himself had previously claimed.

 



U.S. Senator Annie Glenn died of health complications related to the coronavirus on May 19 at 100. She was the widow of former astronaut John Glenn.

Source: Dispatch



Wilson Roosevelt Jerman, a former White House butler, died of health complications related to the coronavirus at 91. Serving as a cleaner, doorman, and butler for 11 presidents from 1957 to 2012, he was one of the White House's longest-serving employees.

Source: Fox 5



Roy Horn, an entertainer and half of the famed magician duo Siegfried & Roy, died of complications due to COVID-19 at 75. Roy and his professional and domestic partner Siegfried Fischbacher had a long-running Las Vegas production lasting 35 years.

Source: New York Times



Jimmy Glenn, a Boxing Hall of Fame trainer turned New York bar owner, died of health complications related to the coronavirus, Eater reported on May 7. Glenn owned Jimmy's Corner, a famous dive bar in Times Square.

Source: Eater



Michael Halkias, owner of the Grand Prospect Hall in Brooklyn, New York, died of health complications related to the coronavirus at 82, Anamniseis reported on May 6. The Grand Prospect Hall is a national historic landmark that has been used as a concert venue, film set, and commercial shooting space for notable brands like Vogue and American Express.

Source: Anamniseis

 



Len Fagan, drummer and owner of the nightclub Coconut Teaszer, died of health complications related to the coronavirus at 72 on May 3, the club's Facebook page shared. Fagan is credited with helping to build the Los Angeles music scene with his showcases of up-and-coming bands.

 

Source: Los Angeles Times



Actor BJ Hogg died of health complications related to the coronavirus at 65, Express confirmed on April 30. One of Hogg's most notables roles was on the HBO series Games of Thrones as Sir Addam Mabrand.

 

Source: Express



Gulshan Ewing, a journalist, died of health complications related to the coronavirus at 92, her daughter Anjali Ewing confirmed to BBC on May 1. Ewing was known for editing two of India's most popular women's magazines — Eve's Weekly and Star & Style. Ewing guided young female journalists during a feminist movement in the 1970s and 1980s.

 

Source: BBC



Troy Sneed, a grammy-nominated gospel singer, died of health complications related to the coronavirus at 52, his friend, radio personality KD Bowe, confirmed on Instagram on April 27. Sneed released seven albums between 1999 and 2012.

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Source: Mirror

 



Jonathan Adewumi, co-owner of an Afro-Caribbean restaurant in Brooklyn called Amarachi, died of health complications related to the coronavirus at 57, NY1 reported on April 28. Eater called Adewumi "one of Brooklyn's staunchest advocates for African culture and cooking."

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Source: Eater, NY1

 



Richard Sanders, a journalist, died after complications from the coronavirus at 62, BBC confirmed on April 25. Sanders was best known for presenting BBC Radio 4's Farming Today show.

Source: Metro



Fredrick Thomas, a rapper from the Bronx, died of health complications related to the coronavirus at 35 on April 23. A notable New York rapper for over a decade, he was known by fans as Fred the Godson.

Source: New York Post



Matthew Seligman, a lawyer and musician, died of health complications related to the coronavirus at 64 on April 17. He was best known for playing guitar live with rock legend David Bowie in 1985.

Source: Mirror



Luis Sepúlveda, a Chilean author, died of health complications related to the coronavirus on at 70 on April 16. Sepúlveda was best known for his novels "The Old Man Who Read Love Stories" and "The Story of a Seagull and The Cat Who Taught Her To Fly." Sepúlveda was a political activist early in life. He was jailed by dictator Augusto Pinochet and later exiled.

Source: The Guardian



John Horton Conway, a mathematician, died of health complications related to the coronavirus at 82 on April 11. Conway created the online "Game of Life" game to teach players how life evolves.

 

Sources: Princeton University, The Game of Life

 



Charles Gregory, an Emmy-nominated hairstylist, died of health complications related to the coronavirus on April 8. Gregory was known for working on films and TV shows with Tyley Perry.

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Source: The Wrap



Ahmed Ismail Hussein, a Somalian musician, died of health complications related to the coronavirus at 91 on April 7. Hussein was known as "King of Oud," for his masterful playing of the oud, which is a stringed instrument.

Source: The New York Times

 



Yaakov Perlow, a leading ultra-Orthodox rabbi, died of health complications related to the coronavirus at 89 on April 7. Perlow served as the president of Agudath Israel of America for more than 20 years. The Agudath Israel of America is an organization for ultra-Orthodox Jews in the US that Perlow's grandfather started in Poland.

Source: The Times of Isreal



Allen Garfield, an actor, died of health complications related to the coronavirus at 80 on April 7. He was known for his supporting roles in the 1970s and 1980s, including key roles in the films "Nashville" and "Beverly Hills Cop II."

Source: New York Post



American country folk singer-songwriter John Prine died of complications related to coronavirus, his family confirmed to Rolling Stone on April 7. He was 73. According to Rolling Stone, the country legend died at Nashville's Vanderbilt University Medical Center.

Source: Rolling Stone



Variety confirmed that Hal Willner died of health complications related to the coronavirus at 64 on April 7. Willner was a music sketch producer at SNL for about 20 years. He was also a record producer known for producing Disney tribute albums.

Source: Variety



Variety reported on April 5 that Lee Fierro, an actress best known for her role in "Jaws," had died of health complications related to the coronavirus at 91. Fierro played Mrs. Kintner, the mother that slapped Chief Brody, played by Roy Scheider, across the face in the iconic 1975 film.

Source: Variety



Actor Jay Benedict died of health complications related to the novel coronavirus on April 4, his agency TCG, tweeted. Benedict appeared in some major films, including "Aliens" and "The Dark Knight Rises."

Source: New York Post, TCG Artist Management/Twitter



Forrest Compton, an actor known for his role in the soap opera "Edge of the Night," died of health complications related to the coronavirus at 94 on April 5. Compton served in World War II and attended the Yale Drama School.

Source: Hollywood Reporter



Mahmoud Jibril, former Libyan Prime Minister and head of National Forces Alliance, died of health complications related to the coronavirus at 67 on April 5. Jibril was the head of the NATO-supported opposition government that overthrew Muammar Gaddafi's 40-year long rule in 2011.

Source: Middle East Eye, Al Jazeera



Patricia Bosworth, a Hollywood actress who wrote bestselling biographies about Marlon Brando, Jane Fonda, and Montgomery Clift, died of health complications related to the coronavirus at 86 on April 3. Bosworth co-starred with Audrey Hepburn in "The Nun's Story" in 1959.

Source: The Wrap



Sergio Rossi, a high-end women's shoemaker, died of health complications related to the coronavirus at 84 on April 2. Rihanna, Paris Hilton, Ariana Grande, and Taylor Swift are amongst some of his admirers. CNN reports that, in March, his company had announced it would be donating over $100,000 and pledging all of its online sales to the fight against COVID-19.

Source: The Jerusalem Post, CNN



Juan Gimenez, a comic artist known best for co-creating "The Metabarons," died of health complications related to the coronavirus at 76 on April 2.

 

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Source: The Beat



Adam Schlesinger, a Grammy, Tony, Oscar, and Emmy nominated musician and songwriter, died of health complications related to the coronavirus at 52 on April 1. Schlesinger co-founded the pop band "Fountains of Wayne" and won an Emmy for his work on "My Crazy Ex-Girlfriend."

Source: Gothamist



Jazz guitarist Bucky Pizzarelli, a prominent figure in the 70s New York music scene, died of health complications related to the coronavirus at 94 on April 1.

Source: The New York Times



Ellis Marsalis Jr., a pianist who led a late 20th-century revival in jazz music, died of health complications related to the coronavirus at 85 on April 1.

Source: The New York Times



Kevin Thomas Duffy, a federal judge who presided over terrorism cases, died of health complications related to coronavirus at 87 on April 1. He's best known for overseeing the World Trade Center bombing trial in 1993.

Source: The New York Times



Jesus Roman Melendez, a prestigious New York chef, died of health complications related to the coronavirus at 49 on April 1. Melendez was known as the "backbone" of Jean Georges, a high-end French restaurant with two Michelin stars.

Sources: Grub Street, Michelin Guide



Cristina Monet, a singer-songwriter from New York, died of health complications related to the coronavirus at 64 on March 31. With a unique, experimental style, she brought a fresh outlook to New York's nightlife scene in the 70s and 80s.

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Source: The New York Times



Jenny Polanco, a fashion designer who revolutionized Dominican style, died of health complications related to the coronavirus at 62 on March 31.

Source: The New York Times



Wallace Roney, a jazz trumpeter called "Miles Davis's only true protégé" by The New York Times, died of health complications related to the coronavirus at 59 on March 31.

Source: The New York Times



Pape Diouf, the former president of Olympique de Marseille, died of health complications related to the coronavirus at age 68 on March 31. The French football club confirmed his death in a statement on Twitter. Diouf was the first black president of a top-tier European club.

Source: The Guardian



Gita Ramjee, a world-renowned HIV scientist, died from health complications related to the coronavirus on March 31.

 

Source: BBC News



Lorena Borjas, a transgender immigrant activist who turned her home in New York into an HIV clinic died of health complications related to the coronavirus at 59 on March 30.

Source: The New York Times



James T. Goodrich, a neurosurgeon who was a pioneer in separating conjoined twins, died of health complications related to the coronavirus at 73 on March 30. Goodrich first became prominent in 2004 for operating on twins who shared significant amounts of brain tissue.

Source: CNN



Joe Diffie, a country musician who was known for the hits "John Deere Green" and "If the Devil Danced," died from health complications related to the coronavirus at 61 on March 29.

Source: CNMN



Ken Shimura, a beloved comedian, died of health complications related to the coronavirus at 70 on March 29. The New York Times describes him as a "household name" in Japanese culture.

Source: The New York Times



Maria Mercader, an executive producer at CBS News, died from health complications related to the coronavirus at 54 on March 29.

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Source: CBS News/Twitter



Alan Merrill, a musician who co-wrote "I Love Rock 'N' Roll" with Joan Jett & the Blackhearts, died from health complications related to the coronavirus at 69 on March 29.

Source: Vulture



William Helmreich, a scholar, sociologist, and professor who walked every block of New York City and wrote a book about it, died of health complications related to the coronavirus at 74 on March 28. Helmreich was described as "fearless" by the New York Times in his efforts to communicate with and learn about other people.

Source: The New York Times



Tim Liszewski, a progressive activist, died of health complications related to the coronavirus at 60 on March 28. Liszewski was a senior regional organizer with the Indivisible Project in South Carolina. The group is dedicated to electing progressive, anti-Trump candidates.

Source: The State



Michael McKinnell, an architect who designed the Boston City Hall, died of health complications related to the coronavirus at 84 on March 27. McKinnell entered a contest for the design of the building, and he won because of his innovative and public-minded design.

Source: The New York Times



Andreas Koutsoudakis, the chef who ran Tribeca's Kitchen, a popular diner in New York, died of health complications related to the coronavirus at 59 on March 27.

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Source: NY Eater



Actor Mark Blum, 69, who recently starred in the TV show "You," died on March 26 from health complications related to the coronavirus. He's best known for his role in "Desperately Seeking Susan."

Source: AV Club



Michael Sorkin, a New York architect and author who prioritized sustainability, died of health complications related to the coronavirus at 71 on March 26.

Source: The New York Times



Chef Floyd Cardoz, 59, of Tabla and Bombay Bread Bar, died of health complications related to the novel coronavirus on March 25. Eater NY described him as a "force in New York's restaurant community."

Source: Eater, Scroll.In



Manu Dibango, the jazz musician behind "Soul Makossa," a track that has been sampled by Michael Jackson and Kanye West, died of health complications related to the coronavirus at 86 on March 24.

Source: Rolling Stone



Dr. John Murray, a globally recognized respiratory doctor, died of health complications related to the coronavirus at 92 on March 24. Murray was known for helping scientists understand acute respiratory distress syndrome.

Source: The New York Times



Terrence McNally, a Tony Award-winning playwright, died on March 24 of health complications related to the coronavirus. McNally was a lung-cancer survivor living with chronic obstructive pulmonary disease.

Source: NPR



Nashom Wooden, known by the drag community as Mona Foot, died at 50 on March 23 of an illness that was believed to be the novel coronavirus, although it was not confirmed. While Wooden lived with HIV for several years, it had dropped to undetectable levels before he died. Wooden was a writer, performer, bartender, and fashion icon in the LGBT community.

Source: The New York Times



Zororo Makamba, a journalist and TV host, died of health complications related to the coronavirus at 30 on March 23 with a preexisting condition. He was recovering from a surgery he had last November to remove a tumor from beneath his lung. Makamba was well-known for the social and political commentary he shared online.

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Source: BBC News



Lucia Bosè, an actress who starred on the TV show "Double Image," died at 89 of pneumonia on March 23. Spanish news outlet 5TeleCinco reported that she was infected with the coronavirus.

Source: Billboard, Yahoo, 5TeleCinco, El País



Ronald Lewis, a life-long New Orleans resident, died of health complications related to the coronavirus at 68 on March 30. In his own backyard, Lewis had an African-American cultural museum called "House of Dance and Feathers," which preserves the street culture in New Orlean's black neighborhoods that dates back to the 1800s.

Source: The New York Times



Li Wenliang, a Chinese doctor who tried to warn medics of the novel coronavirus and contracted it while treating patients in Wuhan, China, died of the virus on February 7.

Source: BBC News



Instagram will let influencers make money off ads on IGTV content, following in the footsteps of YouTube's revenue-sharing model (FB)

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instagram igtv ads monetization

  • Instagram announced Wednesday it was rolling out ads to creators' longform IGTV videos, allowing them to monetize these.
  • Bloomberg reported Instagram will share with creators 55% of the ad revenue they generate — the same amount YouTube offers with its ad revenue-sharing model.
  • This is the first time Instagram is offering creators and influencers a way to profit directly off their videos, a move that may help it compete with video content on YouTube, TikTok, and Snapchat.
  • Visit Business Insider's homepage for more stories.

Instagram will soon provide influencers with a way to make money off of their content by sharing revenue made from video ads.

Instagram announced Wednesday it was rolling out advertisements to IGTV, the feature through which creators can produce long-form videos on the app. The platform is instituting a revenue-sharing model, already long used by YouTube, that gives creators a portion of the money generated off the ads on their videos. Instagram is also mimicking that revenue breakdown: 55% to creators, Bloomberg reports.

In addition to testing IGTV ads, Instagram is also adding the ability for users to gift creators "badges" — akin to a monetary tip — during Instagram Live videos. This sort of feature has previously been available to users on platforms like Twitch.

The introduction of a way for influencers to profit directly off of Instagram content — instead of doing so through third-party brand partnerships and sponsored posts — may be part of the Facebook-owned platform's efforts to incentivize creators to stay, rather than leave Instagram for platforms like YouTube and TikTok. Though Instagram's bread-and-butter has historically been the posting and sharing of photos, it seems the platform is amping up the pressure to make its video feature appealing to influencers.

Although Instagram Live has seen a dramatic 70% increase in use since the coronavirus pandemic hit in March, IGTV has not seen such popularity. Since IGTV first launched in 2018 as a vertical video platform, it hasn't caught on nearly as well as Instagram may have hoped. In the 18 months following its June 2018 launch, less than 1% of Instagram's users downloaded the standalone IGTV app. Instagram also removed the orange button for the IGTV portal from its app in January after seeing lackluster interest.

IGTV hasn't been too popular with influencers thus far, and has been usurped by the popularity of vertical videos on TikTok. But Instagram's sharing of its ad revenue — which was around $20 billion in 2019— may help to resurge creators' interest in the platform.

These two money-making changes will start rolling out the first week in June to "a small group of creators and advertisers" in the US. Instagram didn't provide an explicit timeline for when the features will roll out to all creators, but said in the blog it would "slowly" expand access.

SEE ALSO: Zuckerberg reportedly brushed aside internal research that showed Facebook exposed users to more and more extreme views, saying he never wanted the topic brought to him again

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Khloé Kardashian is selling her Calabasas mansion. Take a look inside the $19 million home, which comes with a private hiking trail and was once owned by Justin Bieber.

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Khloé Kardashian is selling her Calabasas, California, mansion.

The listing, which was unveiled by luxury real estate-focused public relations firm The SOCIETY Group on its weekly IGTV show "The Real Talk," has an asking price of $18.95 million. The estate features a private walking path, a pool, a large guesthouse, and sweeping views of the Malibu Canyon, according to The SOCIETY Group.

While The SOCIETY Group would not confirm to Business Insider that the property is owned by Khloe Kardashian, the reality television star showed off the property in Architectural Digest in 2016 and a 2019 episode of "Flip It Like Disick," Scott Disick's home renovation show.

Keep reading to see photos of Kardashian's Calabasas estate, taken by the reality star herself on her iPhone.

SEE ALSO: The swanky Soho apartment previously owned by Kanye West and Kim Kardashian just chopped $400,000 off its asking price — here's a look inside.

DON'T MISS: Elon Musk just listed 5 more mansions for sale after pledging to 'own no house.' Take a look at the $100 million real estate portfolio he'll have to offload to make that happen.

Kardashian's mansion is located in The Oaks, an exclusive subdivision in Calabasas, California. According to listing agent Tomer Fridman, the development is favored by celebrities because of the privacy it offers residents.

Source: Real Talk



Calabasas is a city in Los Angeles County west of the San Fernando Valley. It's about 20 miles from Malibu and 30 miles from Downtown Los Angeles.

The area has long been known as a hotspot for celebrities seeking a more suburban home base.

Source: Curbed



To get to the house, visitors have to go through both The Oaks community's guarded gate and the home's own gate. "I mean, unless you're in a helicopter, you're not seeing into this house ever," Fridman said while discussing Kardashian's listing during The SOCIETY Group's IGTV show Real Talk.

Source: Real Talk



The buyer's new neighbors will include Drake and Jennifer Lopez, the Daily Mail reports. The estate is also down the street from Kourtney Kardashian's mansion and a five-minute drive from Kris Jenner's.

Source: Real Talk; The Daily Mail



This particular property has been home to a number of celebrities. It was purchased by Eddie Murphy for his ex-wife Nicole Murphy during their 2006 divorce and then later by Justin Bieber, according to the Daily Mail.

Source: The Daily Mail



The home sits on just under two acres of land...

Source: Real Talk



... and even has its own private walking path lined by oak trees.

Source: Real Talk



The trail ends at a meditation area with stunning views of Malibu Canyon.

Source: Real Talk



Once you step inside, the house itself is about 11,000 square feet and boasts 6 bedrooms and 7 bathrooms, not including the guest house.

Source: Real Talk



The home has chic white interiors ...

Source: Real Talk



... and lots of windows to capitalize on its breathtaking views.

Source: Real Talk



There is also a generously sized beauty room and closet.

Source: Real Talk



The outdoor spaces are really what set the home apart from other Calabasas mansions, according to Fridman.

Source: Real Talk



The various outdoor areas, including this fire pit, use the same pink and white color scheme as the interiors.

Source: Real Talk



The yard features several spots to relax outdoors, including these swinging couches ...

Source: Real Talk



... this outdoor dining area ...

Source: Real Talk



... and of course, the pool.

Source: Real Talk



Kardashian renovated the pool area in 2019. The pool planning project was memorialized on an episode of "Flip It Like Disick," the home renovation show helmed by Kourtney Kardashian's ex, Scott Disick.

Source: E! Entertainment



Many of the outdoor areas, like much of the home's facade, are covered in flowers.

Source: Real Talk



Several fountains are also incorporated into the landscaping.

Source: Real Talk



The estate's asking price is $18.95 million — $11.75 million more than Kardashian bought it for in 2014.

Source: Real Talk; The Daily Mail



"For $18,950,000 you get celebrity pedigree, you get an [Architectural Digest] home, you get almost two acres, it's in an amazing school district," Real Talk host and real estate broker Branden Williams said. "I love this house."

Source: Real Talk



Makeup sales were down 22% during the first quarter, but Urban Decay founder predicts a boon in brow, mascara, and liner, "as we peer at each other from behind our masks"

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FILE - In this March 1, 2020, file photo, a department store employee with a mask dresses a mannequin in Tokyo. Japan's economic growth plunged into recession in the first quarter as the coronavirus pandemic squelched production, exports and spending, and fears are growing worse times may lie ahead, according to a report on Monday, May 18, 2020. (AP Photo/Jae C. Hong, File)

  • Makeup sales plummeted by 22% in the first quarter of 2020 as Americans stopped leaving the house due to the coronavirus pandemic. 
  • Urban Decay founder Wende Zomnir says the recession sparked by the pandemic will rejuvenate sales, citing the "Lipstick Index," which argues people shop for lipstick when more expensive luxuries are out of reach. 
  • "This time around, the Lipstick Index is going to be the brow, mascara and liner index as we peer at each other from behind our masks," Zomnir said. 
  • Visit Business Insider's homepage for more stories.

The coronavirus is already changing the cosmetics industry, as makeup sales plummet. 

Wende Zomnir, the founder of Urban Decay, says that as the pandemic stretches on, shoppers will increasingly pick products based on how they look on webcam and what people can actually see, as masks hide people's faces. 

"People already feel less compelled to glam for their new WFH lives.  But they are focused on being well, and staying safe," Zomnir told Business Insider in April. "Brands need to look toward products that are as cozy as our sweats, and caregiving, with lots of skin benefits. "

Makeup sales dropped by 22% in the first quarter of this year, with sales plummeting during March, according to data from the NPD Group. Fragrance sales dropped 13%, while skincare sales fell by 8%. 

Zomnir believes the upcoming recession will drive beauty sales, pointing to the Lipstick Index, a term invented by Leonard Lauder who was the chairman of Estee Lauder during the Great Recession. Lauder said that when people struggle economically, they spend more on little luxuries, driving sales of lipstick. 

Wende Zomnir

"The Lipstick Index is real, and I think beauty will see a steady hold or uptick as customers look to their favorite brands to deliver something that makes them look good on camera, and adds something new and exciting to their look and their lives at a time when more expensive splurges are out of reach," Zomnir said.

Zomnir continued: "But this time around, the Lipstick Index is going to be the brow, mascara and liner index as we peer at each other from behind our masks."

Sales of lighting devices are also set to explode, Zomnir said, as "people strive to look their best for online meetings." 

The coronavirus pandemic has already created practical issues for the cosmetics industry, as shoppers are no longer able to test beauty products in stores.

Zomnir says technology will be crucial to driving sales. In the coming weeks, she predicts the industry will see a rise of virtual sessions with makeup experts, virtual shade matching, and more free samples to convince customers to buy products. Companies may also start giving customers virtual copy of a product, allowing them to "apply" the makeup via videoconferencing filters. 

"How do we create connection without our artists and beauty advisors when the nature of what they do is to literally be right in someone's face?" Zomnir asked.

"The obvious solutions are virtual, but will we be able to create the same sense of discovery and level of excitement?" she continued. "If the transformation doesn't happen on the customer's face IRL, is it as compelling?"

SEE ALSO: Hot dogs sales skyrocket by more than 120% during the coronavirus pandemic, as Americans embrace the 'best quarantine food'

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Vacation rentals around the world have jumped 127% since early April in a sign that people are slowly starting to travel again

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Myrtle Beach

  • Vacation rentals globally have rebounded 127% since April after coronavirus lockdowns halted nearly all travel, according to a report from AirDNA.
  • Short-term rentals on platforms like Airbnb and VRBO reached rock bottom around April 5, but have nearly returned to pre-pandemic levels, according to AirDNA.
  • Beach towns and other leisure destinations, especially in places that pushed to reopen quickly, are seeing the most growth, the report said.
  • The numbers are one sign that people are starting to travel again, at least locally, as stay-at-home orders are eased, but the devastated industry is still fragile and a resurgence of cases could shut things down again.
  • Visit Business Insider's homepage for more stories.

Health concerns aside, people are slowly starting to travel again as states and countries begin to ease stay-at-home orders, and short-term rental sites like Airbnb and VRBO already appear to be benefiting.

Global vacation rental bookings surged 127% between April 5 — when they hit rock bottom — to May 18, nearly reaching pre-pandemic levels, according to a new report from market research firm AirDNA.

As coronavirus lockdowns ground global travel to a halt, bookings plummeted to 916,000 during the week of April 5 — just six weeks later, as governments around the world began easing travel restrictions, they had rebounded to almost 2.1 million, the report said.

While summer bookings are still far behind where they were last year and the broader travel industry is still reeling from the economic fallout of the virus, the report showed some promising signs, saying "guests are actively making reservations for the end-of-year holiday season."

New Zealand, which took aggressive steps early on to contain the virus and halted community transmission by the end of April, has seen the biggest jump in rentals with 465% more bookings, while Germany followed with 367%, the US with 202%, France with 200%, and Australia with 189%, according to AirDNA.

Within the US, the locations that saw the strongest growth were beach towns and other leisure destinations within driving distance of states whose governors were earliest to relax stay-at-home orders, such as Alabama, Georgia, Texas, and the Carolinas.

Major metro areas with more than 2 million people have lagged behind, meanwhile, seeing just 44% growth since April.

With global travel at a near standstill and people staying close to home to vacation during the pandemic, the early rebound in the rental market has been largely fueled by domestic tourism, according to AirDNA.

For 40 top markets in the US and Europe, the average distance traveled is down 74% from last year, while more than half of travelers stayed somewhere within city limits.

Vacation rental bookings are just one sign that the travel may be on the road to recovery, and one that could be derailed by the resurgence of cases that health experts warn is likely if lockdowns are eased prematurely. 

Even if and when travel returns in full force, leaders in the travel industry have predicted that many of the changes prompted by the pandemic — like vacations within driving distance, less frequent business travel, and a shift away from hotels to rental homes with more space — could be here to stay.

SEE ALSO: Trump restricts travel from Brazil as its number of coronavirus cases spike

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