Minneapolis family opens new fully accessible resort near Ely

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ALONG BIRCH LAKE — In an era when many small resorts are sold off for their waterfront land values and developed into condos or lake homes — Minnesota has fewer than half the “ma and pa” resorts it did 50 years ago — Sean and Jill Leary are bucking the trend.

The Learys are building North of North, a three-cabin resort on 11 acres of raw land at 12265 State Highway 1, 10 miles east of Ely, from scratch.

The first cabin was ready for guests last week, the other two were just about finished and their website went live this week to accept reservations.

“It’s taken a little longer than we expected, but we’re almost there,” Jill Leary said as she unpackaged steak knives from a box for one of the cabin kitchens. “There was nothing here before. No driveway. … The first time we came to the property, we had to come by boat.”

It’s been exhausting work and many trips back and forth from their home in Minneapolis. They cut a path from Highway 1 into the property and slowly figured out how the cabins would fit onto the landscape.

North of North Resort is located on Birch Lake near Ely, Minn. Sean Leary and his wife, Jill, are building the three-cabin resort on 11 acres of raw land, with 1,100 feet of shoreline, from scratch. It is designed to accommodate people with disabilities and gives them access to outdoor recreation. (Courtesy of North of North Resort)

North of North is an all-new destination for lovers of the Ely experience, the Superior National Forest and the Boundary Waters Canoe Area Wilderness — just a stone’s throw up the Kawishiwi River. But it’s also perhaps unique in the Northland woods for being built, from the ground up, to be fully accessible for many people with disabilities.

It hasn’t just been Sean and Jill Leary on the job. It’s been a family affair with daughters Annika,10, and Britta, 7, helping along with the family’s sled dog, Freya.

The idea sprouts

The Learys were on their first post-pandemic family vacation to the Yellowstone National Park region a few years ago when they decided they wanted their own destination in the northwoods of their home state. Moreover, they wanted a place where others with disabilities — Jeff has been using a wheelchair for 23 years — could enjoy Minnesota’s “up north” like everyone else.

They had an idea to build a small resort using accessible design principles so people at any stage of their lives, from the elderly to families with infants and strollers, could get around. Even the waterfront lot they chose was picked because of its relatively flat topography, with easy access to the lake.

Britta Leary, 7, asks her mom, Jill Leary, to help open a box as they stock supplies in one of the new cabins at their resort, North of North. (Clint Austin / Forum News Service)

From the gentle slopes between the driveway to the cabins, and paths to the lakes, to the height of the cabin counters and tables, to the wheel-in showers and the 425-foot boardwalk and floating dock on the lake, everything about North of North is designed to be accessible under guidelines in the Americans with Disabilities Act.

Little things, like lower light switches and shower controls, and an opening under the sink so a wheelchair-bound person can wash dishes, are icing on the cake.

Even the doors to the barrel-style saunas have been widened to make way for wheelchairs.

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“People throw around ‘accessible’ pretty easily,” Sean said. “Everyone has a different definition. … Hopefully, we are there for most people.” He’s also been visiting Ely restaurants and other attractions to take note of accessibility and offer tips for his future guests.

It’s all about removing barriers, from thresholds of cabin and sauna doors to getting into a kayak on the lake. It’s the Learys’ goal to create a place that is not only welcoming and accessible for anyone to stay but also opens access to the great outdoors to people who haven’t always been able to get out.

“It really doesn’t take that much more thought to do this in a way that works for people in chairs,” said Sean, 41. “Yet, most of the time, people still don’t think of it when they are building something.”

Access to outdoor adventure

Sean Leary was 18 when he was driving home from a long day of work one night during his summer before college. He drifted to sleep and his truck left the road. The accident cost him the use of his legs and he has been in a wheelchair ever since.

But it didn’t take long for Sean to move on. An avid wilderness paddler and snowboarder before the accident, he adapted his outdoor pursuits to his newly defined abilities, including off-road hand bikes. He traveled across the U.S. and Europe and tried scuba diving and adaptive wilderness canoe trips. He met Jill when she was a canoe guide, and the St. Cloud natives married in 2010.

Sean’s theory is that if you build it right, they can and will come — meaning anyone with accessibility issues.

Building it right for people with accessibility issues also makes access easier for others, Leary notes. He calls it “the curb-cut effect.” Curb cuts on sidewalks allow people in wheelchairs to cross streets, but they also allow kids on bikes and trikes to cross, parents pushing strollers, senior citizens and people with other, less noticeable physical impairments.

Jill sees the resort as a destination for family reunions and group trips.

“We hope this becomes a place where families can bring grandma and grandpa back to the lake again,” Sean added. “But anyone can come here. … Do you think disabled people only want to be around other disabled people?”

The Learys have had to correct some confusion about the resort. Since they have more than $1 million tied up in a mortgage with their name on it, the resort itself is for-profit and has to pay the bills and at least break even.

“We don’t expect to make money off this,” said Jill, 39. “It (the resort) has to make it on its own, but we’re both going to keep our day jobs.” Jill is a teacher in the Minneapolis school system; Sean is an environmental project consultant.

“We’ve put everything we have into this,” Sean said.

The 1,100-square-foot cabins are not inexpensive. At $550 per night, they are competitive with the region’s nicer resorts and VRBO rentals.

One of the fully accessible cabins at North of North Resort. Each of the three cabins can sleep eight people and has a screen porch, deck and sauna. (Courtesy of North of North Resort)

And, they are first-class, including panoramic views of the forest and scenic Birch Lake; individual saunas (with lake views) for each unit; sleeping arrangements for up to eight people; screened-in porches; a deck with barbecue grill and campfire pit; a dishwasher, washer and dryer; televisions, high-speed internet and Wi-Fi.

Through the Learys’ nonprofit, Adaptive Wilderness Within Reach, they hope to set up people with physical disabilities in the cabins while they participate in various wilderness experiences like kayaking, canoeing, fishing, cycling, dog sledding and more.

To that end, AWWR (say it fast to sound like a wolf howling) already has received $16,000 from the Department of Iron Range Resources and Rehabilitation — with additional state money expected soon — to buy accessible kayaks and build an accessible kayak launch at the end of their unusually long boardwalk/dock, which is also fully accessible. Canoes and kayaks can be rented, and Sean said he hopes to go into accessible BWCAW outfitting in the future.

Motorboats and other watercraft can be docked at the resort for free and can also be rented and delivered to the resort by Ely outfitters.

Making local connections

The Learys are working with local guides and businesses such as Ely-based Piragis Northwoods (kayaking and canoeing) and Wintergreen (dog sledding) to provide instructional and guided opportunities for participants.

They’ve also arranged for a wild rice harvesting demonstration early this autumn by a member of the local Bois Forte Band of Ojibwe, noting their waterfront is packed with manoomin.

The Learys made an early choice to buy local as they built. Their general contractor, Reed Alan, has a place on Snowbank Lake nearby. Most of the contractors have been local. The Learys hired Dave Sugg, of Ely, to run the daily operations. Much of the wood was sourced from northern Minnesota sawmills.

When Jill needed an indoor place to stain wood paneling that would be going up in the cabins, their plumbing contractor offered his shop for free.

The effort has received financial backing from several sources, including Minnesota-based Sunrise Bank, the Northland Foundation, Lake Country Power and the Entrepreneur Fund.

“A lot of people are invested in this now. … We’ve had such great cooperation and buy-in from just about everyone in and around Ely,” Jill said. “I’m in the hardware store at least once every trip now. … They know me by name.”

Sean said the new resort and nonprofit’s missions have been just as accepted by the local community as the money they spend in town.

“People with accessibility issues really haven’t been able to take full advantage of the natural resources we have up here, the Boundary Waters, the lakes,” Sean said. “And I think people here are really behind the fact we’re trying to open that up, bring in new people who haven’t had the chance to experience all this.”

For more information on North of North Resort, or to make reservations, go to northofnorthresort.com. To find out more about the nonprofit Adaptive Wilderness Within Reach, go to awwr.org.

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Native American public health officials are stuck in data blind spot

posted in: Adventure | 0

Jazmin Orozco Rodriguez | (TNS) KFF Health News

It’s not easy to make public health decisions without access to good data. And epidemiologists and public health workers for Native American communities say they’re often in the dark because state and federal agencies restrict their access to the latest numbers.

The 2010 reauthorization of the Indian Health Care Improvement Act gave tribal epidemiology centers public health authority and requires the federal Department of Health and Human Services to grant them access to and use of data and other protected health information that’s regularly distributed to state and local officials. But tribal epidemiology center workers have told government investigators that’s not often the case.

By July 2020, American Indians and Alaskan Natives had a COVID-19 infection rate 3½ times that of non-Hispanic whites. Problems accessing data predated the pandemic, but the alarming infection and death rates in Native American communities underscored the importance of making data-sharing easier so tribal health leaders and epidemiologists have the information they need to make lifesaving decisions.

Tribal health officials have repeatedly said data denials impeded their responses to disease outbreaks, including slowing contact tracing during the pandemic and an ongoing syphilis outbreak in the Midwest and Southwest.

“We’re being blinded,” said Meghan Curry O’Connell, the chief public health officer for the Great Plains Tribal Leaders’ Health Board and a citizen of the Cherokee Nation. The sharing of data has improved somewhat in recent years, she said, but not enough.

Federal investigators and tribal epidemiologists have documented a litany of obstacles keeping state and federal public health information from tribes, including confusion about data-sharing policies, inconsistent processes for requesting information, data that’s of poor quality or outdated, and strict privacy rules for sensitive data on health issues like HIV and substance misuse.

Limiting the ability of tribes and tribal epidemiology centers to monitor and respond to public health issues makes historical health disparities difficult to address. Life expectancy among American Indians and Alaskan Natives is at least 5½ years shorter than the national average.

Sarah Shewbrooks and her colleagues at the Great Plains Tribal Epidemiology Center are among those who’ve found themselves blinded by bureaucratic walls. Shewbrooks said the data dearth was particularly evident during the COVID pandemic, when her team couldn’t access public health data available to other public health workers in state and local agencies. Her team was forced to manually record positive cases and deaths in the 311 counties of North Dakota, South Dakota, Nebraska, and Iowa — the region the center serves.

Shewbrooks, director of the center’s data-coordinating unit and its lead epidemiologist, estimates staffers spent more than a year’s worth of their time during the pandemic scraping together their own datasets to steer information to tribal leaders making decisions about closing down reservations and asking residents to isolate at home.

She said the process was frustrating and stressful, especially since it robbed her team of hours they could’ve spent trying to save lives in the communities they serve. The tribes in their region were doing “incredible things,” she said, by providing food and shelter for people who needed to quarantine.

“But they were having to do it all without being given real-time understanding of what’s going on around them,” Shewbrooks said.

Contact tracers who work for state governments cover Native American populations, but it’s important to have people from within the community take the lead, Shewbrooks said. Tribal workers are better equipped to move around within their communities and meet people where they are.

Shewbrooks said state contact tracers relied on calling and texting patients, which is often not the most effective method. Tribal members can be a hard-to-reach community for state workers whose protocol is to move on to the next case if they don’t get a response.

“So many cases were just getting closed,” Shewbrooks said.

In 2022, the Government Accountability Office published a report that confirmed concerns raised by tribal health officials, including at the Great Plains tribal epidemiology center. Federal investigators found that health officials working to address public health issues in Native American communities dealt with federal agencies lacking clear processes, policies, and guidelines for sharing data with tribal officials.

In one example, officials said that as of November 2021, 10 of the 12 tribal epidemiology centers in the U.S. had access to Centers for Disease Control and Prevention COVID data, but not all had full data. Some centers had access to case surveillance data that included information on positive cases, hospitalizations, and deaths. Only half said they also had access to COVID vaccination data from HHS.

The GAO report also found that staffers responding to data requests at HHS, the CDC, and the Indian Health Service did not consistently recognize tribal epidemiology centers as public health authorities. Center officials told federal investigators that they’d sometimes been asked to request data they needed as outside researchers or through the Freedom of Information Act.

The report recommended agencies make several corrections, including responding to tribal epidemiology centers as required by law and clarifying how agency staffers should handle requests from epidemiology centers.

HHS officials agreed with all the recommendations. The agency consulted with tribal leaders in fall 2022 and, this year, published a draft policy that clarifies what data centers can access.

Some tribal leaders say the proposal is a step in the right direction but is incomplete. Jim Roberts, senior executive liaison in intergovernmental affairs at the Alaska Native Tribal Health Consortium, a nonprofit organization that provides care and advocacy for Alaskan tribes, said the GAO report focused on tribal epidemiology centers, which operate separately from tribal governments, each serving dozens of tribes divided into regions. The report left out tribes, which he said have a right to their data as sovereign nations.

HHS officials declined an interview request, but Samira Burns, principal deputy assistant secretary for public affairs, said the agency is reviewing feedback and recommendations it received from tribal leaders during consultation on the draft policy and will continue to consult with tribes before it’s finalized.

Stronger federal policy on tribal data sharing would help with relationships with states, too, Roberts said. Tribal officials say problems they’ve experienced at the federal level are often worse in states, where laws might not recognize tribes or tribal epidemiology centers as authorities that can receive data.

At the Northwest Tribal Epidemiology Center, which works on behalf of tribes in Washington, Oregon, and Idaho, forging a data-use agreement with state governments in Washington and Oregon before the pandemic helped their response by providing immediate access to near real-time data on emergency room and other health care facility visits. The center’s staff used this data to monitor for suspected COVID-related visits that could be shared with tribal leaders.

It took seven months for the center to get access to COVID surveillance data from the CDC, said Sujata Joshi, director of the Northwest center’s Improving Data and Enhancing Access project, and about nine months for HHS vaccination data after vaccinations became available. Even after getting the information, she said, there were concerns about its quality.

___

(KFF Health News is a national newsroom that produces in-depth journalism about health issues and is one of the core operating programs of KFF — the independent source for health policy research, polling and journalism.)

©2024 KFF Health News. Distributed by Tribune Content Agency, LLC.

Best volatility ETFs: Use these funds to profit when the market falls

posted in: News | 0

James Royal, Ph.D. | (TNS) Bankrate.com

A volatility exchange-traded fund (ETF) lets traders bet on an increase in the stock market’s volatility. It can be a highly profitable wager if the market suddenly becomes more volatile — for example, if it crashes — but the fund’s price constantly erodes due to how the fund is structured.

Here are some of the best volatility ETFs and ETNs, with data as of August 2, 2024.

What is a volatility ETF?

A volatility ETF gives traders the ability to wager on the stock market’s volatility. Unlike a typical ETF, which owns stock or options of actual companies, a volatility ETF uses complex financial instruments called derivatives (such as futures) to create a fund that rises in value when the market gets rocky. If the market does become more volatile, the fund may soar, often quickly.

Volatility is often measured by the CBOE Volatility Index, commonly known as the VIX. It’s called “the fear gauge” since the index spikes when investors get nervous. The index historically moves inversely to the direction of the Standard & Poor’s 500 Index. So a volatility ETF may be useful as a short-term hedge against a portfolio or as a one-way bet on the market’s direction.

Like many other kinds of leveraged ETFs, volatility ETFs are meant to be owned over a very short period, often for just a day or two. Because they use derivatives, whose value tends to decline over time, volatility ETFs are often swimming against a fast-moving current. Because of this structure, volatility ETFs often do very poorly over time, as value leaks out of the fund.

Volatility funds may also technically be exchange-traded notes (ETNs), which is a somewhat different structure from ETFs, but may still track the volatility of the market.

Best volatility funds

iPath Series B S&P 500 VIX Short-Term Futures ETN (VXX)

This ETN provides exposure to S&P 500 VIX Short-Term Futures Index Total Return. Because it’s an ETN, holders have no principal protection and own unsecured debt of the company sponsoring the notes, Barclays Bank.

—YTD return: -18.9%

—5-year returns (annualized): -50.1%

—Expense ratio: 0.89%

ProShares VIX Short-Term Futures ETF (VIXY)

This fund tracks the S&P 500 VIX Short-Term Futures Index, which follows a portfolio of futures contracts with a weighted average of one month until expiration.

—YTD return: -19.5%

—5-year returns (annualized): -50.4%

—Expense ratio: 0.95%

iPath Series B S&P 500 VIX Mid-Term Futures ETN (VXZ)

This ETN tracks the S&P 500 VIX Mid-Term Futures Index Total Return. Because it’s structured as an ETN, holders have no principal protection and own unsecured debt of the issuer, Barclays Bank.

—YTD return: -2.5%

—5-year returns (annualized): -5.0%

—Expense ratio: 0.89%

ProShares VIX Mid-Term Futures ETF (VIXM)

This ETF tracks the S&P 500 VIX Mid-Term Futures Index, which follows a collection of futures contracts with a weighted average expiration of five months.

—YTD return: -3.0%

—5-year returns (annualized): -5.8%

—Expense ratio: 0.94%

ProShares Short VIX Short-Term Futures ETF (SVXY)

This ETF tries to provide daily results that are one-half the inverse of the daily performance of the S&P 500 VIX Short-Term Futures Index. In other words, if this index rose 1% in a day, the fund would aim to fall 0.5%. If the index fell 1%, this fund aims to rise 0.5%.

—YTD return: –3.8%

—5-year returns (annualized): 12.9%

—Expense ratio: 0.95%

The pros and cons of volatility ETFs

Advantages of volatility ETFs

—Easy-to-access exposure to volatility: When the market gets rocky, traders may flee to volatility ETFs to take advantage of the increasing uncertainty in markets. So this kind of fund offers an easy way to quickly get access to that exposure.

—Hedge on a portfolio: A volatility ETF may offer the ability to hedge a portfolio over a short period of time, offering an asset that rises as most others fall.

—Price may spike quickly: When the market suddenly turns volatile, the price on some volatility ETFs may rise hundreds of percent in just a few days. So if they place a well-time trade, traders can earn many times their wager quickly.

Disadvantages of volatility ETFs

—Meant to be held for very short periods: Volatility funds are really meant to be held only for short periods, giving exposure to the short-term movement of volatility.

—Value tends to decay over time: Because of the use of derivatives in the structure, the price of volatility funds tends to decay over time naturally.

—Unattractive long-term returns: Buying and holding a volatility fund is unattractive, as value seeps out of the funds over time through futures contracts.

What to look for in an ETF

When investing in ETFs, it’s useful to look at a few aspects of each ETF so that you actually buy what you intended to buy. Here are three key things to look for:

—The targeted exposure: Volatility ETFs provide different exposures to the market, in terms of time frame (short and medium term), whether they perform inversely to what they’re tracking and whether they take a leveraged approach to magnify gains.

—The investment track record: You’ll also want to know the track record of the ETF. The track record can give you some idea of what to expect from the ETF. But volatility ETFs are designed to perform well only over short periods, so in many cases long-term returns look awful.

—The expense ratio: Pay attention to the expense ratio, which tells you how much it costs to own the fund annually as a percentage of your total investment in it.

How to invest in volatility ETFs

A volatility ETF can make it easier to profit if the stock market makes a sudden move lower or it may even help you quickly hedge a position over a short period of time. But some funds have more upside if volatility rears up, while short volatility funds perform well if the market remains calm, taking advantage of the time decay to profit. So it’s vital to know what exposure you want.

The ETFs listed above give traders a way to gain exposure to volatility, but how they invest is up to them. Traders can shoot for the moon with short-term volatility funds or take a more modest approach with medium-term funds or even take advantage of calm markets with short funds.

Traders will also want to understand why they’re using volatility funds and when they’re helpful. Volatility ETFs may be helpful over short periods, but their structure means that the typical fund declines in value over time. So they may be OK as a short-term hedge when the market suddenly encounters danger, but traders looking for a longer-term hedge will look elsewhere.

You can buy volatility ETFs at any of the best brokers for stock trading.

Bottom line

Traders looking to make a short-term bet on the direction of the market may decide to use a volatility ETF to express that view. But volatility funds have significant drawbacks and their value tends to decay over time, even if it spikes sometimes as the market volatility heats up.

(Bankrate’s Brian Baker contributed to an update of this story.)

Editorial Disclaimer: All investors are advised to conduct their own independent research into investment strategies before making an investment decision. In addition, investors are advised that past investment product performance is no guarantee of future price appreciation.

(Visit Bankrate online at bankrate.com.)

©2024 Bankrate.com. Distributed by Tribune Content Agency, LLC.

Today in History: August 10, derecho rakes the Midwest

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Today is Saturday, Aug. 10, the 223rd day of 2024. There are 143 days left in the year.

Today in history:

On Aug. 10, 2020, a powerful derecho struck several Midwest U.S. states, causing four fatalities and an estimated $11 billion in damage, making it the costliest thunderstorm in modern U.S. history.

Also on this date:

In 1792, during the French Revolution, mobs in Paris attacked the Tuileries (TWEE’-luh-reez) Palace, where King Louis XVI resided. (The king was later arrested, put on trial for treason, and executed.)

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In 1821, Missouri became the 24th state admitted to the Union.

In 1945, a day after the atomic bombing of Nagasaki, Imperial Japan conveyed its willingness to surrender provided the status of Emperor Hirohito remained unchanged. (The Allies responded the next day, saying they would determine the Emperor’s future status.)

In 1969, Leno and Rosemary LaBianca were murdered in their Los Angeles home by members of Charles Manson’s cult, one day after actor Sharon Tate and four other people were slain.

In 1977, postal employee David Berkowitz was arrested in Yonkers, New York, accused of being “Son of Sam,” the gunman who killed six people and wounded seven others in the New York City area.

In 1988, President Ronald Reagan signed a measure providing $20,000 payments to still-living Japanese-Americans who were interned by their government during World War II.

In 1993, Ruth Bader Ginsburg was sworn in as the second female justice on the U.S. Supreme Court.

In 2006, British authorities announced they had thwarted a terrorist plot to simultaneously blow up 10 aircraft heading to the U.S. using liquid explosives made to look like soft drinks.

In 2018, Richard Russell, a 29-year-old airline ground agent, stole a commercial plane from Sea-Tac International Airport near Seattle; he flew for 75 minutes, performing dangerous stunts while being chased by military jets before crashing into a remote island in Puget Sound, killing himself.

In 2019, Jeffrey Epstein, accused of orchestrating a sex-trafficking ring and sexually abusing dozens of underage girls, was found unresponsive in his cell at a New York City jail; he was later pronounced dead at a hospital. (The city’s medical examiner ruled the death a suicide by hanging.)

Today’s Birthdays:

Actor James Reynolds is 78.
Rock singer-musician Ian Anderson (Jethro Tull) is 77.
Country musician Gene Johnson (Diamond Rio) is 75.
Singer Patti Austin is 74.
Actor Daniel Hugh Kelly is 72.
Folk singer-songwriter Sam Baker is 70.
Actor Rosanna Arquette is 65.
Actor Antonio Banderas is 64.
Rock musician Jon Farriss (INXS) is 63.
Singer Julia Fordham is 62.
Journalist-blogger Andrew Sullivan is 61.
Actor Chris Caldovino is 61.
Singer Neneh Cherry is 60.
Singer Aaron Hall is 60.
Former boxer Riddick Bowe is 57.
Actor Sean Blakemore is 57.
R&B singer Lorraine Pearson (Five Star) is 57.
Singer-producer Michael Bivins is 56.
Actor-writer Justin Theroux is 53.
Actor Angie Harmon is 52.
Country singer Jennifer Hanson is 51.
Actor-turned-lawyer Craig Kirkwood is 50.
Actor JoAnna Garcia Swisher is 45.
Singer Cary Ann Hearst (Shovels & Rope) is 45.
Actor Aaron Staton is 44.
Actor Ryan Eggold is 40.
Actor Charley Koontz is 38.
Actor Lucas Till is 34.
Reality TV star Kylie Jenner is 27.
Actor Jeremy Maguire is 13.