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How one man’s assassination 100 years ago caused our business travel nightmares today

You probably haven’t thought about Archduke Ferdinand lately, but his life — and especially his death — has had more impact on business travel than anyone save the Wright Brothers.

As you may dimly recall from high-school history, Austria’s ill-fated Franz Ferdinand was assassinated 100 years ago this Saturday, June 28. That act of political terrorism was the immediate cause of World War I, which destroyed the Ottoman Empire and ended Turkish hegemony over the Middle East. The senseless post-war realignment of the region has been the font of most of the terrorism that has plagued business travel ever since.

Think I’m looking to hang our most intractable travel problem on a hundred-years dead Hapsburg royal who drove down the wrong street in the wrong city at the wrong time? Consider: the war that engulfed the world within weeks of his murder spawned the Sykes-Picot Agreement, which blithely ignored millennia of tribal loyalties the Middle East. The war led to the Balfour Declaration, the diplomatic underpinnings of the modern state of Israel and reactionary Palestinian rage. The aftermath of the war allowed the House of Saud to oust the Hashemites from Arabia. Then the British arbitrarily imported the Hashemites to rule Syria, Jordan and the woebegone political entity called Iraq. World War I also shredded the underpinnings of colonial Africa.

I’m not foolish enough to suggest terrorism is the sole province of the religious, social and sectarian problems in the Middle East and Africa. In fact, the foundation of our modern security kabuki at airports has its roots in the “take-this-plane-to-Cuba” hijackings of the late 1950s and early 1960s. Timothy McVeigh, the Oklahoma City bomber, and Ted Kaczynski, the Unabomber, were home-grown threats. Narco-terrorism is everywhere. And North Korean godless dictators seem to delight in arresting and detaining innocent travelers.

But it would also be foolish to ignore the obvious: Arab, African and Muslim issues almost totally dominate today’s terrorism landscape.

Of the more than three dozen current State Department Travel Alerts and Warnings, the vast majority involve Muslim insurgencies, sectarian conflicts and/or paramilitary activity by Islamic extremist groups such as Boko Haram (Nigeria, Cameroon), ISIS (Syria, Iraq), Al-Qaida affiliates (Yemen, Mali, Niger), al-Nusrah (Lebanon), Al Shabaab (Kenya, Djibouti, Somalia) and the Taliban (Pakistan, Afghanistan). There are low-level, but no less dangerous, Muslim insurgencies in Thailand and the Philippines. Moreover, State’s sole Worldwide Caution also involves Muslim activity, a panoply of global threats from England to Central Asia to India and beyond.

“Not a week goes by that we don’t get an alert from one intelligence agency or another warning about a threat on our planes,” one U.S. carrier’s top security man told me last week. “The supposed perpetrators are always jihadis.”

Talk to any global lodging executive and they rarely bring up narco-terrorists or financially inspired kidnappings. Their big worry is an Islamic extremist group targeting one of their hotels as a way to show hatred for Western countries and Western values.

“I quiver whenever my bosses tell me we’re opening another hotel in the Middle East,” one hotelier recently told me. “I understand the financial angle. I understand our customers want and need those hotels, but I’m at a loss to guarantee anyone’s safety.”

I have no answers on offer here. We’ve discussed how to travel in a time of terrorism, the realities of travel terrorism and terrorism specific to lodgings. We’ve even discussed terror fatigue. But answers are elusive.

Worse is a chilling realization: Terrorism works. Have you been to Afghanistan or Pakistan lately? Done business in Iraq or Syria? Been to Bali since the bombings? Visited the pyramids in Egypt? Do you get on a train in Spain without thinking of the March 11 attacks in 2004? Old-timers claim Beirut was the Paris of the Middle East. But Lebanon has been considered a no-go zone all of my adult travel life. Anyone contemplating a visit to the Holy Land always must answer the most basic question: Is it safe?

Had any fun clearing security at the airport lately or grappling with PreCheck? How do you like the Transportation Security Administration, created after the terrorist attacks of September 11, 2001?

Perhaps worst of all, too many business travelers I know have gone realpolitik about the state of the world and the never-ending waves of terrorism that makes life on the road so dangerous.

“Why should we intervene in Iraq again while the Sunni and Shia are tearing each other to pieces?” frequent traveler Thomas Byrnes wrote me in an email from London late last week. “Can you tell me why I should worry if Iran jumps in on the side of the Shia warlord Maliki? Would it be so awful if the Sunni puppeteers in Qatar and Saudi Arabia are so engaged fighting Iran that they can’t fund the terrorists out to get us?”

I know Byrnes, who works for a global NGO (non-governmental organization) and travels frequently throughout the Middle East. At least until recently, he was convinced that the region’s future was brighter than many politicians claimed. His sudden cynicism makes me despair.

And that brings us back to poor Archduke Ferdinand, who took a bullet 100 years ago this weekend and unwittingly unleashed a century of terrorism, far too much of it in the name of someone’s definition of a supreme being.

Twenty-five years ago, historian David Fromkin wrote a book about the “war to end all wars” called A Peace to End All Peace. His dissection of what went so spectacularly wrong in the chop-shop creation of the post-war Middle East was and is depressingly useful.

Or maybe it’s even simpler than that. The English poet and author Edmund Blunden fought in World War I and summed it up with brutal clarity.

“The War had won,” he wrote, “and would go on winning.”

Don’t Settle for Student Loans to Pay for Online Education

Online college programs are becoming a more popular choice for prospective students, with one study finding that more than 6 million students enrolled in at least one online course in fall 2015. The popularity of these courses can be attributed in part to their flexibility with working adults' schedules, students' ability to progress more quickly through online programs and, oftentimes, cheaper tuition. [See 10 low-cost online bachelor's programs for out-of-state students.]Online degrees can be beneficial to many college students, but some studies have shown online learners complete their programs at lower rates than students at traditional brick-and-mortar campuses. Individuals with student loans but no degree comprise two-thirds of defaulted borrowers. Though these numbers are not encouraging, just like for traditional programs, there are ways to reduce how much you'll need to borrow for an online program to ensure you won't become one of these statistics. Don't just settle on borrowing student loans to cover the whole cost of your program and living expenses. Instead, start thinking about how to cut costs and cover your balance in different ways, such as the following. -- Grants and scholarships: Even though you are taking an online course, you can still apply and receive grants and scholarships. But your first step should be to complete the Free Application for Federal Student Aid, commonly referred to as the FAFSA, which will allow you to receive a Pell Grant if your expected family contribution is low enough. The EFC criteria and award amounts are adjusted annually, but the 2017-2018 academic year awards range from $606 to $5,920, which could significantly lower the amount you borrow annually. Your next step is to apply for scholarships. You can start by checking online scholarship search engines, such as the Salt Scholarship Search, College Board's BigFuture and Peterson's. But don't forget to take advantage of local organizations and your school's financial aid office. Both may offer scholarships that you can't find with a national scholarship search. [Review these 10 sites to kick off your scholarship search.]For instance, organizations like the Elks Club, Knights of Columbus or the Rotary Club typically offer scholarships annually to local students. Just because you're going to school online doesn't mean you're ineligible. Visit your local library for scholarship listings, and ask around town. You might be surprised how many local organizations offer scholarships. While these scholarships typically aren't large, every little bit counts. Each dollar you receive in a scholarship is a dollar you don't have to borrow and pay interest on. -- Work-study: Another option for online students may be work-study awards. Not all students enrolled in online programs are eligible, but students at some schools -- including, for example, SUNY Empire State College and Liberty University -- are. Work-study awards are not given upfront like scholarships and grants. In most cases, they are an offer to earn up to the awarded amount if you secure an eligible work-study job. While there is a misconception that all work-study jobs must be on campus, students can work for off-campus, nonprofit or public employers as long as the work is in the public's interest. You may be able to work for a for-profit employer if the job is relevant to your course of study. No matter who the outside employer is, it will need to have an established agreement with your college for you to receive work-study funds. Remember, to be eligible for federal financial aid, you must be enrolled and pursuing a degree or certificate. If you're not working toward a credential, Pell Grants and work-study won't be option, but you may still be able to take advantage of private scholarships -- just be sure to read the eligibility criteria carefully. [Explore what to know about financial aid in online programs.]-- Pay as you go: One of the great benefits to enrolling online is the flexible schedule, which can allow you to complete your college coursework around your responsibilities. But prospective students often overlook using their part- or full-time job earnings as an option for paying for college. Almost 80 percent of college students in 2015 worked at least part time while attending classes, according to the National Center for Education Statistics. By budgeting and thinking strategically about your college costs, you can likely reduce your dependence on student loans by paying a portion out of pocket. Many -- but not all -- online programs are less expensive than traditional programs and often have shorter payment periods. Six, eight or 10 weeks are common course durations. Because of the frequency of payments in an online setting, you may be well-placed to pay as you go and possibly avoid borrowing altogether. Attending college online and avoiding student loans may be challenging, but if you are willing to put in the effort, you can limit the amount you need to borrow. More from U.S. News Q&A: Understanding Student Loan Discharge Eligibility Student Loan Refinancing Isn't Right for All Borrowers
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