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Global wildlife populations have fallen by 60% in just over four decades, as accelerating pollution, deforestation, climate change and other manmade factors have created a "mindblowing" crisis, the World Wildlife Fund has warned in a damning new report.The total numbers of more than 4,000 mammal, bird, fish, reptile and amphibian species declined rapidly between 1970 and 2014, the Living Planet Report 2018 says.Current rates of species extinction are now up to 1,000 times higher than before human involvement in animal ecosystems became a factor.The proportion of the planet's land that is free from human impact is projected to drop from a quarter to a tenth by 2050, as habitat removal, hunting, pollution, disease and climate change continue to spread, the organization added.The group has called for an international treaty, modeled on the Paris climate agreement, to be drafted to protect wildlife and reverse human impacts on nature.It warned that current efforts to protect the natural world are not keeping up with the speed of manmade destruction.The crisis is "unprecedented in its speed, in its scale and because it is single-handed," said Marco Lambertini, the WWF's director general. "It's mindblowing. ... We're talking about 40 years. It's not even a blink of an eye compared to the history of life on Earth.""Now that we have the power to control and even damage nature, we continue to (use) it as if we were the hunters and gatherers of 20,000 years ago, with the technology of the 21st century," he added. "We're still taking nature for granted, and it has to stop."WWF UK Chief Executive Tanya Steele added in a statement, "We are the first generation to know we are destroying our planet and the last one that can do anything about it."The report also found that 90% of seabirds have plastics in their stomachs, compared with 5% in 1960, while about half of the world's shallow-water corals have been lost in the past three decades.Animal life dropped the most rapidly in tropical areas of Latin America and the Caribbean, with an 89% fall in populations since 1970, while species that rely on freshwater habitats, like frogs and river fish, declined in population by 83%. 2205

Hawaii wants you to come work remotely in paradise.Last month, the state launched a temporary residency program called "Movers and Shakas" to persuade people to move to help boost the economy by working and living in the Aloha State.Fifty people will be chosen and would receive incentives like free roundtrip airfare and discounts on hotels.According to a press release, the program will accept more applicants on a rolling basis.Those accepted into the program must stay for at least 30 days, commit a few hours every week to volunteer for a non-profit, and be at least 18 years old.The program is accepting applications until Dec. 15. 645

Heading into the workforce saddled with student loan debt can make any new graduate panic. But many borrowers have the power to make their loan payments more manageable — and fail to take advantage of it.A new NerdWallet analysis puts the Class of 2018 in retirement at age 72 after years of careful budgeting, debt repayment and savings. The first 10 years of that long-term financial plan is spent siphoning a considerable amount into student loan payments, though the analysis indicates stretching that repayment term out could make saving for retirement and even their first home a little easier.“The 10-year repayment plan is the one federal loan borrowers are automatically funneled into, unless they pick a different one,” says Brianna McGurran, NerdWallet student loans expert. “But there are lots of other options out there.”Most student borrowers are in a 10-year repayment plan, which is a strong option for getting rid of their loans fast — if they can afford it. Just 39% of recent undergraduates who have student loan debt think it’s likely they’ll pay off their loans in a decade, according to a related online survey conducted by The Harris Poll.Their doubt is understandable — the NerdWallet analysis indicates new graduates with an average amount of loan debt would have payments of approximately 0 each month for 10 years. Higher-than-average student debt, additional debt burdens, unexpected financial blows, or a lower-paying first job out of school could make these payments unmanageable.“It’s up to grads to learn about what’s available and advocate for themselves with their student loan servicers to get what they need,” McGurran says.By contacting their servicer, federal borrowers can change their repayment plan or otherwise ease up the payments with one of these approaches:Graduated repayment plan. Payments start lower and increase every two years with a graduated repayment plan, but the repayment term remains at 10 years total. This may be a good option if your ability to pay will increase as you move through the first several years of your career.Extended repayment plan. Moving into an extended repayment plan will stretch your loan payments out to 25 years. Your monthly responsibility will be lower, but you’ll pay more in interest during that time.Income-driven repayment. There are four income-driven repayment plans available for federal student loan borrowers. These cap your monthly payments at 10%-20% of your income, and extend the repayment term to 20 or 25 years. You’ll pay more in interest due to the longer term, and income-driven repayment plans require you to reapply each year.Consolidation. Federal student loan consolidation won’t likely lower your payments dramatically, but it can put multiple loans into a single payment. It’s also a good option if you’re in default and want to get your student debt back in good standing.Refinancing. Student loan refinancing can give you a lower interest rate and therefore lower payments, but it requires a credit score in the high 600s at least. Because refinancing makes you ineligible for income-driven repayment options in the future, this option is best for people with higher incomes.More From NerdWallet 3278

George H.W. Bush, the 41st President of the United States, died on Friday at the age of 94, his family announced late Friday. In a statement from former President George W. Bush reads: "Jeb, Neil, Marvin, Doro, and I are saddened to announce that after 94 remarkable years, our dear Dad has died. George H. W. Bush was a man of the highest character and the best dad a son or daughter could ask for. The entire Bush family is deeply grateful for 41’s life and love, for the compassion of those who have cared and prayed for Dad, and for the condolences of our friends and fellow citizens."The elder Bush served as president from 1989 to 1993, overseeing the United States' efforts in the Persian Gulf during Operation Desert Storm.   756

HONOLULU (AP) — Intense turbulence struck an Air Canada flight to Australia on Thursday and sent unbuckled passengers flying into the ceiling, forcing the plane to land in Hawaii.The flight from Vancouver to Sydney encountered "un-forecasted and sudden turbulence," about two hours past Hawaii when the plane diverted to Honolulu, Air Canada spokeswoman Angela Mah said in a statement."The plane just dropped," passenger Stephanie Beam told The Associated Press. "When we hit turbulence, I woke up and looked over to make sure my kids were buckled. The next thing I knew there's just literally bodies on the ceiling of the plane."A woman behind her hit the ceiling so hard that she broke the casing of an oxygen mask, said Beam, of Colorado Springs, Colorado.Of the 37 passengers and flight crew members injured, nine had serious injuries, emergency responders said. Thirty people were taken to hospitals.Honolulu Emergency Medical Services Chief Dean Nakano said the injured ranged in age from children to the elderly. Customs agents and emergency responders met passengers at the gate at the Honolulu airport to ensure they could get medical attention quickly.Honolulu Emergency Services Department spokeswoman Shayne Enright said injuries included cuts, bumps, bruises, neck pain and back pain. More than two dozen people were taken to hospitals, she said."I watched a whole bunch of people hit the ceiling of the plane," said another passenger Alex MacDonald. "A couple of the air hostesses were bringing food out at the time, and they hit the roof as well."Passenger Luke Wheeldon told Honolulu news station KTIV about half the passengers weren't wearing seatbelts."There was no warning and then half of them, their head hit the roof all at once," he said. "And I went, 'Oh, this is a bad day.'"Babies and children were crying as crew members went through the cabin assessing injuries. About 15 minutes later, there was an announcement asking for passengers who are medical professionals to help, Beam said.The turbulence happened at 36,000 feet (10,973 meters) about 600 miles (966 kilometers) southwest of Honolulu, said U.S. Federal Aviation Administration spokesman Ian Gregor.The Boeing 777-200 was carrying 269 passengers and 15 crew members, according to Air Canada spokesman Peter Fitzpatrick.Air Canada was arranging hotel accommodations and meals in Honolulu and options for resuming the flight."If we're going to be stuck somewhere, I can think of worse places," said Beam, traveling with her 10- and 11-year-old children. 2546