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Rebecca Ebert Rebecca_Ebert
Category: Photography - in Blogs
<br />
<br />
<span style='display:none' class='DO NOT REMOVE - THIS CATEGORY CODE WILL BE HIDDEN - IT IS NEEDED TO BE FOUND BY CATEGORY AND ONE-CLICK SEARCH'>Category: Photography - in Blogs</span>
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Millie Zemlak Millie_Zemlak
(NewsUSA) - Most of us can't imagine life without Internet service at home. We use it every day for news and entertainment, as well as to research healthcare options for our families; to connect with friends and family; to search and apply for jobs, scholarships, or schools; or to shop and save time.
Unfortunately, many low-income households in this country aren't connected and they're missing out on the life-changing resources the Internet has to offer.
According to the U.S. Census American Community Survey, 81 percent of U.S. households have broadband Internet access, but only 63 percent of those with annual incomes of less than $35,000 do.
For the past seven years, Comcast has been on a mission to do something about this so-called "digital divide" through its acclaimed Internet Essentials program, which has become the largest broadband adoption program for low-income families across the U.S.
The program has had an enormous impact on families and their children and, since its inception, more than six million low-income Americans have been connected.
To put that in perspective, six million people is larger than the populations of each city in America except New York City. While the numbers can be numbing, the individuals who have benefitted all have their own stories to tell.
"Low-income people face problems when it comes to accessing technology and a lot of people are left behind," says Pam Ogglesby, an Internet Essentials customer.
"I signed up for the program and I now see what I was missing. I feel connected now and it's all because of Internet Essentials. I think this is going to change my life drastically. I intend to use the Internet to learn new things."
In the beginning, Internet Essentials was offered to low-income families with children eligible to participate in the National School Lunch Program. Eligibility has also been extended to low-income seniors in more than a dozen markets, as well as to those households receiving HUD-housing assistance, which includes HUD's Public Housing, Housing Choice Voucher, and Multifamily programs.
This year, the company is expanding eligibility again to low-income veterans living within the Comcast service area. About a third of the veterans in the U.S. do not have Internet access at home, and only about 60 percent even own a computer, according to the U.S. Census American Community Survey, creating a need for better options for the veteran community. As a result, more than one million veterans across Comcast's footprint are estimated to be eligible.
Comcast's Internet Essentials program works with community partners to break down the main barriers to Internet access - lack of affordable service; lack of a computer or other device; and lack of digital training by providing high-speed Internet service for $9.95 a month plus tax, the option to purchase an Internet-ready computer for less than $150, and free digital literacy training in print, in person, and online.
To apply, visit www.internetessentials.com/apply, or call 1-855-846-8376. For Spanish-only speakers: call 1-855-765-6995.
Ref: Courses - in Blogs
Unfortunately, many low-income households in this country aren't connected and they're missing out on the life-changing resources the Internet has to offer.
According to the U.S. Census American Community Survey, 81 percent of U.S. households have broadband Internet access, but only 63 percent of those with annual incomes of less than $35,000 do.
For the past seven years, Comcast has been on a mission to do something about this so-called "digital divide" through its acclaimed Internet Essentials program, which has become the largest broadband adoption program for low-income families across the U.S.
The program has had an enormous impact on families and their children and, since its inception, more than six million low-income Americans have been connected.
To put that in perspective, six million people is larger than the populations of each city in America except New York City. While the numbers can be numbing, the individuals who have benefitted all have their own stories to tell.
"Low-income people face problems when it comes to accessing technology and a lot of people are left behind," says Pam Ogglesby, an Internet Essentials customer.
"I signed up for the program and I now see what I was missing. I feel connected now and it's all because of Internet Essentials. I think this is going to change my life drastically. I intend to use the Internet to learn new things."
In the beginning, Internet Essentials was offered to low-income families with children eligible to participate in the National School Lunch Program. Eligibility has also been extended to low-income seniors in more than a dozen markets, as well as to those households receiving HUD-housing assistance, which includes HUD's Public Housing, Housing Choice Voucher, and Multifamily programs.
This year, the company is expanding eligibility again to low-income veterans living within the Comcast service area. About a third of the veterans in the U.S. do not have Internet access at home, and only about 60 percent even own a computer, according to the U.S. Census American Community Survey, creating a need for better options for the veteran community. As a result, more than one million veterans across Comcast's footprint are estimated to be eligible.
Comcast's Internet Essentials program works with community partners to break down the main barriers to Internet access - lack of affordable service; lack of a computer or other device; and lack of digital training by providing high-speed Internet service for $9.95 a month plus tax, the option to purchase an Internet-ready computer for less than $150, and free digital literacy training in print, in person, and online.
To apply, visit www.internetessentials.com/apply, or call 1-855-846-8376. For Spanish-only speakers: call 1-855-765-6995.
Ref: Courses - in Blogs
(NewsUSA) - Most of us can't imagine life without Internet service at home. We use it every day for news and entertainment, as well as to research healthcare options for our families; to connect with friends and family; to search and apply for jobs, scholarships, or schools; or to shop and save time.<br />
<br />
Unfortunately, many low-income households in this country aren't connected and they're missing out on the life-changing resources the Internet has to offer.<br />
<br />
According to the U.S. Census American Community Survey, 81 percent of U.S. households have broadband Internet access, but only 63 percent of those with annual incomes of less than $35,000 do.<br />
<br />
For the past seven years, Comcast has been on a mission to do something about this so-called "digital divide" through its acclaimed Internet Essentials program, which has become the largest broadband adoption program for low-income families across the U.S.<br />
<br />
The program has had an enormous impact on families and their children and, since its inception, more than six million low-income Americans have been connected.<br />
<br />
To put that in perspective, six million people is larger than the populations of each city in America except New York City. While the numbers can be numbing, the individuals who have benefitted all have their own stories to tell.<br />
<br />
"Low-income people face problems when it comes to accessing technology and a lot of people are left behind," says Pam Ogglesby, an Internet Essentials customer.<br />
<br />
"I signed up for the program and I now see what I was missing. I feel connected now and it's all because of Internet Essentials. I think this is going to change my life drastically. I intend to use the Internet to learn new things."<br />
<br />
In the beginning, Internet Essentials was offered to low-income families with children eligible to participate in the National School Lunch Program. Eligibility has also been extended to low-income seniors in more than a dozen markets, as well as to those households receiving HUD-housing assistance, which includes HUD's Public Housing, Housing Choice Voucher, and Multifamily programs.<br />
<br />
This year, the company is expanding eligibility again to low-income veterans living within the Comcast service area. About a third of the veterans in the U.S. do not have Internet access at home, and only about 60 percent even own a computer, according to the U.S. Census American Community Survey, creating a need for better options for the veteran community. As a result, more than one million veterans across Comcast's footprint are estimated to be eligible.<br />
<br />
Comcast's Internet Essentials program works with community partners to break down the main barriers to Internet access - lack of affordable service; lack of a computer or other device; and lack of digital training by providing high-speed Internet service for $9.95 a month plus tax, the option to purchase an Internet-ready computer for less than $150, and free digital literacy training in print, in person, and online.<br />
<br />
To apply, visit www.internetessentials.com/apply, or call 1-855-846-8376. For Spanish-only speakers: call 1-855-765-6995.<br />
<br />
Ref: Courses - in Blogs
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Bakhtawar Ahmed bakhto22
**Embracing the Ethereal: A Celebration of White Flower Blossoms**
In the tapestry of nature's grandeur, few sights rival the delicate allure of white flower blossoms. These ethereal blooms, with their pristine petals and subtle fragrances, evoke a sense of purity and serenity that captivates the soul. Whether nestled in a verdant garden, adorning a tree branch, or scattered across a meadow like scattered pearls, each white blossom tells a story of beauty and resilience.
**The Elegance of White Blossoms**
White blossoms, in their simplicity, exude a timeless elegance that transcends seasons. In spring, they herald renewal and hope, blanketing orchards and gardens with promises of abundance. Against the backdrop of lush greenery, their purity stands out, drawing admiration and inspiring contemplation. Each petal, a testament to nature's intricate design, delicately unfolds to reveal a pristine heart—a beacon of tranquility amidst life's bustling rhythms.
**Symbolism and Cultural Significance**
Across cultures and centuries, white blossoms have held deep symbolism. They embody purity, innocence, and spiritual enlightenment. In many traditions, they symbolize new beginnings, making them popular choices for weddings and ceremonies. The Japanese revere the cherry blossom (sakura) for its transient beauty, celebrating it with hanami—a tradition of enjoying the blossoms under spring's fleeting embrace. Meanwhile, in Western cultures, white roses symbolize love and reverence, gracing weddings and commemorations alike.
**A Symphony of Fragrance and Form**
Beyond their visual splendor, white blossoms enchant with their subtle fragrances. Jasmine whispers its sweet aroma on warm summer evenings, while magnolia releases its heady perfume in the early morning light. Each bloom adds a unique note to nature's olfactory symphony, inviting us to pause and immerse ourselves in their sensory delights.
**Preserving Nature's Treasures**
As guardians of our environment, we bear a collective responsibility to protect these natural wonders. Climate change and habitat loss threaten the habitats of white blossoms and other flora. By cultivating awareness and advocating for conservation efforts, we can ensure future generations continue to marvel at these exquisite gifts of nature.
**Conclusion: A Call to Appreciation**
In the fleeting beauty of white flower blossoms, we find solace and inspiration. They remind us to cherish life's ephemeral moments and embrace the beauty that surrounds us. Let us cultivate gardens of the soul where these blossoms bloom eternal, and in doing so, nurture a deeper connection to the natural world. As we celebrate their elegance and resilience, may we also pledge to preserve and protect these delicate marvels for generations to come.
In the quiet majesty of white flower blossoms, let us discover the enduring poetry of nature's embrace. Category: Nature - in Blogs
In the tapestry of nature's grandeur, few sights rival the delicate allure of white flower blossoms. These ethereal blooms, with their pristine petals and subtle fragrances, evoke a sense of purity and serenity that captivates the soul. Whether nestled in a verdant garden, adorning a tree branch, or scattered across a meadow like scattered pearls, each white blossom tells a story of beauty and resilience.
**The Elegance of White Blossoms**
White blossoms, in their simplicity, exude a timeless elegance that transcends seasons. In spring, they herald renewal and hope, blanketing orchards and gardens with promises of abundance. Against the backdrop of lush greenery, their purity stands out, drawing admiration and inspiring contemplation. Each petal, a testament to nature's intricate design, delicately unfolds to reveal a pristine heart—a beacon of tranquility amidst life's bustling rhythms.
**Symbolism and Cultural Significance**
Across cultures and centuries, white blossoms have held deep symbolism. They embody purity, innocence, and spiritual enlightenment. In many traditions, they symbolize new beginnings, making them popular choices for weddings and ceremonies. The Japanese revere the cherry blossom (sakura) for its transient beauty, celebrating it with hanami—a tradition of enjoying the blossoms under spring's fleeting embrace. Meanwhile, in Western cultures, white roses symbolize love and reverence, gracing weddings and commemorations alike.
**A Symphony of Fragrance and Form**
Beyond their visual splendor, white blossoms enchant with their subtle fragrances. Jasmine whispers its sweet aroma on warm summer evenings, while magnolia releases its heady perfume in the early morning light. Each bloom adds a unique note to nature's olfactory symphony, inviting us to pause and immerse ourselves in their sensory delights.
**Preserving Nature's Treasures**
As guardians of our environment, we bear a collective responsibility to protect these natural wonders. Climate change and habitat loss threaten the habitats of white blossoms and other flora. By cultivating awareness and advocating for conservation efforts, we can ensure future generations continue to marvel at these exquisite gifts of nature.
**Conclusion: A Call to Appreciation**
In the fleeting beauty of white flower blossoms, we find solace and inspiration. They remind us to cherish life's ephemeral moments and embrace the beauty that surrounds us. Let us cultivate gardens of the soul where these blossoms bloom eternal, and in doing so, nurture a deeper connection to the natural world. As we celebrate their elegance and resilience, may we also pledge to preserve and protect these delicate marvels for generations to come.
In the quiet majesty of white flower blossoms, let us discover the enduring poetry of nature's embrace. Category: Nature - in Blogs
**Embracing the Ethereal: A Celebration of White Flower Blossoms**<br />
<br />
In the tapestry of nature's grandeur, few sights rival the delicate allure of white flower blossoms. These ethereal blooms, with their pristine petals and subtle fragrances, evoke a sense of purity and serenity that captivates the soul. Whether nestled in a verdant garden, adorning a tree branch, or scattered across a meadow like scattered pearls, each white blossom tells a story of beauty and resilience.<br />
<br />
**The Elegance of White Blossoms**<br />
<br />
White blossoms, in their simplicity, exude a timeless elegance that transcends seasons. In spring, they herald renewal and hope, blanketing orchards and gardens with promises of abundance. Against the backdrop of lush greenery, their purity stands out, drawing admiration and inspiring contemplation. Each petal, a testament to nature's intricate design, delicately unfolds to reveal a pristine heart—a beacon of tranquility amidst life's bustling rhythms.<br />
<br />
**Symbolism and Cultural Significance**<br />
<br />
Across cultures and centuries, white blossoms have held deep symbolism. They embody purity, innocence, and spiritual enlightenment. In many traditions, they symbolize new beginnings, making them popular choices for weddings and ceremonies. The Japanese revere the cherry blossom (sakura) for its transient beauty, celebrating it with hanami—a tradition of enjoying the blossoms under spring's fleeting embrace. Meanwhile, in Western cultures, white roses symbolize love and reverence, gracing weddings and commemorations alike.<br />
<br />
**A Symphony of Fragrance and Form**<br />
<br />
Beyond their visual splendor, white blossoms enchant with their subtle fragrances. Jasmine whispers its sweet aroma on warm summer evenings, while magnolia releases its heady perfume in the early morning light. Each bloom adds a unique note to nature's olfactory symphony, inviting us to pause and immerse ourselves in their sensory delights.<br />
<br />
**Preserving Nature's Treasures**<br />
<br />
As guardians of our environment, we bear a collective responsibility to protect these natural wonders. Climate change and habitat loss threaten the habitats of white blossoms and other flora. By cultivating awareness and advocating for conservation efforts, we can ensure future generations continue to marvel at these exquisite gifts of nature.<br />
<br />
**Conclusion: A Call to Appreciation**<br />
<br />
In the fleeting beauty of white flower blossoms, we find solace and inspiration. They remind us to cherish life's ephemeral moments and embrace the beauty that surrounds us. Let us cultivate gardens of the soul where these blossoms bloom eternal, and in doing so, nurture a deeper connection to the natural world. As we celebrate their elegance and resilience, may we also pledge to preserve and protect these delicate marvels for generations to come.<br />
<br />
In the quiet majesty of white flower blossoms, let us discover the enduring poetry of nature's embrace.
<span style='display:none' class='DO NOT REMOVE - THIS CATEGORY CODE WILL BE HIDDEN - IT IS NEEDED TO BE FOUND BY CATEGORY AND ONE-CLICK SEARCH'>Category: Nature - in Blogs</span>
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Millie Zemlak Millie_Zemlak
(NewsUSA) - It seems as if there's co-ops for just about everything these days - condos, farms, horses, and now yachts.
Consider this: as with anything worth having, there are expenses and hassles associated with boat ownership that you may not even be aware of. But partial (fractional) ownership offers "all of the luxury and none of the hassle" according to the website of yacht co-op management company Saveene.
It works like this: The more fractions you purchase, the more yacht usage you can experience. For example, a 10 percent purchase equals approximately four weeks of yachting time each year; 20 percent entitles you to eight weeks, and so on.
For those who enjoy the periodical pleasure of luxury boating, fractional ownership is more cost-effective than sporadic charters, and has several other advantages:
- Predictability. Saveene fractional owners hold equity in the yacht and have the option to sell their fraction any time they like. Purchase as many fractions as you want, up to 10 fractions per yacht. When you choose your dates, contact Saveene and they will schedule and prepare your yacht for your arrival.
- Pampering. When you arrive at the marina, the yacht is clean, stocked, and safety-checked. Chart your course in advance, or allow your captain to create a memorable itinerary. Bring any food and beverages you choose, or Saveene yachts accommodate a chef or catering service.
- Peace of mind. With fractional ownership, you avoid many headaches associated with owning a boat outright, including maintenance, repairs, storage, transportation, and insurance. Saveene handles the business transactions of purchasing and selling the fractions as well when the time comes.
Saveene offers a range of options for yacht enthusiasts - a Sea Ray Sundancer for $19,995, a 36' Carver Mariner for a one-time fee of $ 39,995, a 64' Aicon for $89,980 or a combined usage of these for $69,985. All types are available at the same marina for viewing before making a purchase.
Sea Ray Sundancer: This 34-foot cruiser is ideal for families, and easy to maneuver along intercoastal waterways for boating, snorkeling, and dining at dockside restaurants.
Carver Mariner: This 37-foot boat features a fly bridge suited for parties, a home-size galley to accommodate larger food prep or catering, and a full entertainment center.
Aicon: The 64-foot yacht includes four full-sized cabins plus crew quarters to handle an extended excursion. All cabins include their own facilities and TV/DVD setups, and the yacht includes a collection of water toys for kids of all ages.
Want to go bigger? Saveene is also taking orders for an 85-foot Azimut yacht.
Other benefits include the opportunity to check out Saveene yachts for a risk-free trial and the ability to write off your fractional purchase on your taxes.
For more information about the benefits of yacht co-ownership, visit saveene.com.
Ref: Boats - in Blogs
Consider this: as with anything worth having, there are expenses and hassles associated with boat ownership that you may not even be aware of. But partial (fractional) ownership offers "all of the luxury and none of the hassle" according to the website of yacht co-op management company Saveene.
It works like this: The more fractions you purchase, the more yacht usage you can experience. For example, a 10 percent purchase equals approximately four weeks of yachting time each year; 20 percent entitles you to eight weeks, and so on.
For those who enjoy the periodical pleasure of luxury boating, fractional ownership is more cost-effective than sporadic charters, and has several other advantages:
- Predictability. Saveene fractional owners hold equity in the yacht and have the option to sell their fraction any time they like. Purchase as many fractions as you want, up to 10 fractions per yacht. When you choose your dates, contact Saveene and they will schedule and prepare your yacht for your arrival.
- Pampering. When you arrive at the marina, the yacht is clean, stocked, and safety-checked. Chart your course in advance, or allow your captain to create a memorable itinerary. Bring any food and beverages you choose, or Saveene yachts accommodate a chef or catering service.
- Peace of mind. With fractional ownership, you avoid many headaches associated with owning a boat outright, including maintenance, repairs, storage, transportation, and insurance. Saveene handles the business transactions of purchasing and selling the fractions as well when the time comes.
Saveene offers a range of options for yacht enthusiasts - a Sea Ray Sundancer for $19,995, a 36' Carver Mariner for a one-time fee of $ 39,995, a 64' Aicon for $89,980 or a combined usage of these for $69,985. All types are available at the same marina for viewing before making a purchase.
Sea Ray Sundancer: This 34-foot cruiser is ideal for families, and easy to maneuver along intercoastal waterways for boating, snorkeling, and dining at dockside restaurants.
Carver Mariner: This 37-foot boat features a fly bridge suited for parties, a home-size galley to accommodate larger food prep or catering, and a full entertainment center.
Aicon: The 64-foot yacht includes four full-sized cabins plus crew quarters to handle an extended excursion. All cabins include their own facilities and TV/DVD setups, and the yacht includes a collection of water toys for kids of all ages.
Want to go bigger? Saveene is also taking orders for an 85-foot Azimut yacht.
Other benefits include the opportunity to check out Saveene yachts for a risk-free trial and the ability to write off your fractional purchase on your taxes.
For more information about the benefits of yacht co-ownership, visit saveene.com.
Ref: Boats - in Blogs
(NewsUSA) - It seems as if there's co-ops for just about everything these days - condos, farms, horses, and now yachts.<br />
<br />
Consider this: as with anything worth having, there are expenses and hassles associated with boat ownership that you may not even be aware of. But partial (fractional) ownership offers "all of the luxury and none of the hassle" according to the website of yacht co-op management company Saveene.<br />
<br />
It works like this: The more fractions you purchase, the more yacht usage you can experience. For example, a 10 percent purchase equals approximately four weeks of yachting time each year; 20 percent entitles you to eight weeks, and so on.<br />
<br />
For those who enjoy the periodical pleasure of luxury boating, fractional ownership is more cost-effective than sporadic charters, and has several other advantages:<br />
<br />
- Predictability. Saveene fractional owners hold equity in the yacht and have the option to sell their fraction any time they like. Purchase as many fractions as you want, up to 10 fractions per yacht. When you choose your dates, contact Saveene and they will schedule and prepare your yacht for your arrival.<br />
<br />
- Pampering. When you arrive at the marina, the yacht is clean, stocked, and safety-checked. Chart your course in advance, or allow your captain to create a memorable itinerary. Bring any food and beverages you choose, or Saveene yachts accommodate a chef or catering service.<br />
<br />
- Peace of mind. With fractional ownership, you avoid many headaches associated with owning a boat outright, including maintenance, repairs, storage, transportation, and insurance. Saveene handles the business transactions of purchasing and selling the fractions as well when the time comes.<br />
<br />
Saveene offers a range of options for yacht enthusiasts - a Sea Ray Sundancer for $19,995, a 36' Carver Mariner for a one-time fee of $ 39,995, a 64' Aicon for $89,980 or a combined usage of these for $69,985. All types are available at the same marina for viewing before making a purchase.<br />
<br />
Sea Ray Sundancer: This 34-foot cruiser is ideal for families, and easy to maneuver along intercoastal waterways for boating, snorkeling, and dining at dockside restaurants.<br />
<br />
Carver Mariner: This 37-foot boat features a fly bridge suited for parties, a home-size galley to accommodate larger food prep or catering, and a full entertainment center.<br />
<br />
Aicon: The 64-foot yacht includes four full-sized cabins plus crew quarters to handle an extended excursion. All cabins include their own facilities and TV/DVD setups, and the yacht includes a collection of water toys for kids of all ages.<br />
<br />
Want to go bigger? Saveene is also taking orders for an 85-foot Azimut yacht.<br />
<br />
Other benefits include the opportunity to check out Saveene yachts for a risk-free trial and the ability to write off your fractional purchase on your taxes.<br />
<br />
For more information about the benefits of yacht co-ownership, visit saveene.com.<br />
<br />
Ref: Boats - in Blogs
Read more
0
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Millie Zemlak Millie_Zemlak
(NewsUSA) - Are all those stories about crippling student debt having an effect on college campuses? Just ask post-Millennials now trying - albeit not always successfully - to avoid being saddled with the same heavy burden of debt as their predecessors.
According to Fidelity Investments' new "College Savings: Lessons Learned Study," not only did 83 percent of current college students surveyed consider what their total costs would be before matriculating - just 69 percent of recent graduates had such foresight - but 39 percent of them said the potential price tag was such "a huge factor" that they purposely limited their choice of schools to the most affordable. Only 32 percent of recent graduates, alas, had shown similar restraint.
"It seems today's college students are perhaps more aware of the financial situation they entered into than those who graduated before them," said Melissa Ridolfi, Fidelity's vice president of retirement and college leadership. "That's a positive development."
All told, student debt in the U.S. now totals more than $1.5 trillion - second only to mortgage debt, Forbes reported. And the 69 percent or so of the Class of 2018 who took out student loans graduated with an average debt balance of $29,800.
So you can understand why recent graduates would be so stressed out over whether they'd ever be able to pay off their loans that they're now having second thoughts about their decisions:
* 40 percent said that while they don't regret going to college, they would've made different choices in hindsight.
* Only 14 percent felt the value of their education was worth more than the money they'd spent.
Oh, and future college students should listen up for this sage advice from the more than 4,000 respondents surveyed - all recent graduates, current undergraduates, and parents of either or both - on what would've done wonders to ease their own stress levels.
"When asked 'If you knew then what you know now when it comes to school selection, what would you do differently?' the number one answer for all respondents was 'I would've started saving earlier,'" Ridolfi said.
Which logically brings us to another key finding of the study: Only 17 percent of current students and recent graduates had taken advantage, prior to college, of what's arguably one of the best ways to fund higher education: 529 savings plans.
Unlike regular bank savings accounts, they provide a tax-advantaged way to save money to cover tuition, books and other education-related expenses at most accredited two- and four-year colleges, universities and vocational-technical schools.
The key phrase being "tax-advantaged." Meaning, earnings grow federal income tax-deferred and withdrawals for qualified expenses are free from federal (and, in many places, state) income taxes - thus affording the opportunity to have even more saved for college.
Significantly, Ridolfi said families using a 529 plan managed by Fidelity have been starting to sock money away earlier than ever before, with contributions beginning on average when the child is about age six and a half. Thirty-six percent of Fidelity 529s are even opened for beneficiaries under - yes - age 2.
You say a child hasn't even uttered his or her first complete sentence before they're two? Probably not. But just so you're not bushwhacked when they suddenly hit their late teens, free online resources like Fidelity's College Savings Learning Center and College Savings Quick Check - a calculator that even shows you the impact of saving a few dollars more a month - can help prepare you for what lies ahead.
Ref: Education - in Blogs
According to Fidelity Investments' new "College Savings: Lessons Learned Study," not only did 83 percent of current college students surveyed consider what their total costs would be before matriculating - just 69 percent of recent graduates had such foresight - but 39 percent of them said the potential price tag was such "a huge factor" that they purposely limited their choice of schools to the most affordable. Only 32 percent of recent graduates, alas, had shown similar restraint.
"It seems today's college students are perhaps more aware of the financial situation they entered into than those who graduated before them," said Melissa Ridolfi, Fidelity's vice president of retirement and college leadership. "That's a positive development."
All told, student debt in the U.S. now totals more than $1.5 trillion - second only to mortgage debt, Forbes reported. And the 69 percent or so of the Class of 2018 who took out student loans graduated with an average debt balance of $29,800.
So you can understand why recent graduates would be so stressed out over whether they'd ever be able to pay off their loans that they're now having second thoughts about their decisions:
* 40 percent said that while they don't regret going to college, they would've made different choices in hindsight.
* Only 14 percent felt the value of their education was worth more than the money they'd spent.
Oh, and future college students should listen up for this sage advice from the more than 4,000 respondents surveyed - all recent graduates, current undergraduates, and parents of either or both - on what would've done wonders to ease their own stress levels.
"When asked 'If you knew then what you know now when it comes to school selection, what would you do differently?' the number one answer for all respondents was 'I would've started saving earlier,'" Ridolfi said.
Which logically brings us to another key finding of the study: Only 17 percent of current students and recent graduates had taken advantage, prior to college, of what's arguably one of the best ways to fund higher education: 529 savings plans.
Unlike regular bank savings accounts, they provide a tax-advantaged way to save money to cover tuition, books and other education-related expenses at most accredited two- and four-year colleges, universities and vocational-technical schools.
The key phrase being "tax-advantaged." Meaning, earnings grow federal income tax-deferred and withdrawals for qualified expenses are free from federal (and, in many places, state) income taxes - thus affording the opportunity to have even more saved for college.
Significantly, Ridolfi said families using a 529 plan managed by Fidelity have been starting to sock money away earlier than ever before, with contributions beginning on average when the child is about age six and a half. Thirty-six percent of Fidelity 529s are even opened for beneficiaries under - yes - age 2.
You say a child hasn't even uttered his or her first complete sentence before they're two? Probably not. But just so you're not bushwhacked when they suddenly hit their late teens, free online resources like Fidelity's College Savings Learning Center and College Savings Quick Check - a calculator that even shows you the impact of saving a few dollars more a month - can help prepare you for what lies ahead.
Ref: Education - in Blogs
(NewsUSA) - Are all those stories about crippling student debt having an effect on college campuses? Just ask post-Millennials now trying - albeit not always successfully - to avoid being saddled with the same heavy burden of debt as their predecessors.<br />
<br />
According to Fidelity Investments' new "College Savings: Lessons Learned Study," not only did 83 percent of current college students surveyed consider what their total costs would be before matriculating - just 69 percent of recent graduates had such foresight - but 39 percent of them said the potential price tag was such "a huge factor" that they purposely limited their choice of schools to the most affordable. Only 32 percent of recent graduates, alas, had shown similar restraint.<br />
<br />
"It seems today's college students are perhaps more aware of the financial situation they entered into than those who graduated before them," said Melissa Ridolfi, Fidelity's vice president of retirement and college leadership. "That's a positive development."<br />
<br />
All told, student debt in the U.S. now totals more than $1.5 trillion - second only to mortgage debt, Forbes reported. And the 69 percent or so of the Class of 2018 who took out student loans graduated with an average debt balance of $29,800.<br />
<br />
So you can understand why recent graduates would be so stressed out over whether they'd ever be able to pay off their loans that they're now having second thoughts about their decisions:<br />
<br />
* 40 percent said that while they don't regret going to college, they would've made different choices in hindsight.<br />
<br />
* Only 14 percent felt the value of their education was worth more than the money they'd spent.<br />
<br />
Oh, and future college students should listen up for this sage advice from the more than 4,000 respondents surveyed - all recent graduates, current undergraduates, and parents of either or both - on what would've done wonders to ease their own stress levels.<br />
<br />
"When asked 'If you knew then what you know now when it comes to school selection, what would you do differently?' the number one answer for all respondents was 'I would've started saving earlier,'" Ridolfi said.<br />
<br />
Which logically brings us to another key finding of the study: Only 17 percent of current students and recent graduates had taken advantage, prior to college, of what's arguably one of the best ways to fund higher education: 529 savings plans.<br />
<br />
Unlike regular bank savings accounts, they provide a tax-advantaged way to save money to cover tuition, books and other education-related expenses at most accredited two- and four-year colleges, universities and vocational-technical schools.<br />
<br />
The key phrase being "tax-advantaged." Meaning, earnings grow federal income tax-deferred and withdrawals for qualified expenses are free from federal (and, in many places, state) income taxes - thus affording the opportunity to have even more saved for college.<br />
<br />
Significantly, Ridolfi said families using a 529 plan managed by Fidelity have been starting to sock money away earlier than ever before, with contributions beginning on average when the child is about age six and a half. Thirty-six percent of Fidelity 529s are even opened for beneficiaries under - yes - age 2.<br />
<br />
You say a child hasn't even uttered his or her first complete sentence before they're two? Probably not. But just so you're not bushwhacked when they suddenly hit their late teens, free online resources like Fidelity's College Savings Learning Center and College Savings Quick Check - a calculator that even shows you the impact of saving a few dollars more a month - can help prepare you for what lies ahead.<br />
<br />
Ref: Education - in Blogs
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Abeer Fatima fatimaabeer71
As a passionate and experienced content writer, I bring a strong background in creating engaging, high-quality content across various platforms and formats. My expertise in digital marketing, SEO, and storytelling allows me to craft compelling narratives that captivate audiences and drive results. With a keen eye for detail and a commitment to continuous improvement, I am dedicated to producing content that aligns with brand voice and objectives. I thrive in collaborative environments and am excited about the opportunity to contribute my skills to your team.
As a passionate and experienced content writer, I bring a strong background in creating engaging, high-quality content across various platforms and formats. My expertise in digital marketing, SEO, and storytelling allows me to craft compelling narratives that captivate audiences and drive results. With a keen eye for detail and a commitment to continuous improvement, I am dedicated to producing content that aligns with brand voice and objectives. I thrive in collaborative environments and am excited about the opportunity to contribute my skills to your team.
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Millie Zemlak Millie_Zemlak
(NewsUSA) - Summer. The word itself sounds so relaxing and soothing to the senses. And nothing is more soothing in the summer than swimming.
At the very least, there's certainly nothing more cooling or refreshing than a quick trip to the pool. Indeed, with the temperatures rising and vacations in high gear, it's prime time to take a trip to the beach or head to your favorite resort pool and enjoy one of America's favorite summer pastimes: swimming.
To ensure your next trip to the pool is as relaxing and successful as ever, however, there are some essential items everybody should consider bringing. So, whether it's just a casual day of cooling off, a special summer pool party or family fun day, here's a to-do list that covers all pool partygoers.
* First and foremost, lather up with suntan lotions. And then bring more in your tote bag so you can reapply after a round or two of swimming. There's nothing more frustrating when you settle in and realize you forgot your supplies and need to buy more.
* Pack swimming gear. Regardless of whether you're going to the beach or pool, make sure you have goggles, noodles and other flotation devices. Your time in the water will never be more enjoyable.
* Bring some snacks and drinks. After some rigorous swimming or leisurely baking in the sun, you're bound to build up an appetite or have a need to quench your thirst.
* Don't forget your spittoon. Being at the pool in a bikini or trunks can leave one very exposed to say the least. If you're a smokeless tobacco user, there's even less opportunity to take a discreet "dip" while you're taking a dip in the pool.
That is, unless you own a portable spittoon created by Atlanta-based FLASR. These new 4-ounce pocket-sized spittoons are brilliantly designed to allow users to easily open and close with just one hand, making them ideal items to bring to the pool or any other public setting so you can still enjoy your smokeless tobacco. Another advantage to the FLASR flask is its advanced closing mechanism that ensures it stays securely closed when not in use, eliminating the risk of any messy spills or leaks in the pool that come with those gaudy bottles or drink cups of old.
For more information, please visit www.flasr.com.
Category: Saint Lucia - in Countries
At the very least, there's certainly nothing more cooling or refreshing than a quick trip to the pool. Indeed, with the temperatures rising and vacations in high gear, it's prime time to take a trip to the beach or head to your favorite resort pool and enjoy one of America's favorite summer pastimes: swimming.
To ensure your next trip to the pool is as relaxing and successful as ever, however, there are some essential items everybody should consider bringing. So, whether it's just a casual day of cooling off, a special summer pool party or family fun day, here's a to-do list that covers all pool partygoers.
* First and foremost, lather up with suntan lotions. And then bring more in your tote bag so you can reapply after a round or two of swimming. There's nothing more frustrating when you settle in and realize you forgot your supplies and need to buy more.
* Pack swimming gear. Regardless of whether you're going to the beach or pool, make sure you have goggles, noodles and other flotation devices. Your time in the water will never be more enjoyable.
* Bring some snacks and drinks. After some rigorous swimming or leisurely baking in the sun, you're bound to build up an appetite or have a need to quench your thirst.
* Don't forget your spittoon. Being at the pool in a bikini or trunks can leave one very exposed to say the least. If you're a smokeless tobacco user, there's even less opportunity to take a discreet "dip" while you're taking a dip in the pool.
That is, unless you own a portable spittoon created by Atlanta-based FLASR. These new 4-ounce pocket-sized spittoons are brilliantly designed to allow users to easily open and close with just one hand, making them ideal items to bring to the pool or any other public setting so you can still enjoy your smokeless tobacco. Another advantage to the FLASR flask is its advanced closing mechanism that ensures it stays securely closed when not in use, eliminating the risk of any messy spills or leaks in the pool that come with those gaudy bottles or drink cups of old.
For more information, please visit www.flasr.com.
Category: Saint Lucia - in Countries
(NewsUSA) - Summer. The word itself sounds so relaxing and soothing to the senses. And nothing is more soothing in the summer than swimming.<br />
<br />
At the very least, there's certainly nothing more cooling or refreshing than a quick trip to the pool. Indeed, with the temperatures rising and vacations in high gear, it's prime time to take a trip to the beach or head to your favorite resort pool and enjoy one of America's favorite summer pastimes: swimming.<br />
<br />
To ensure your next trip to the pool is as relaxing and successful as ever, however, there are some essential items everybody should consider bringing. So, whether it's just a casual day of cooling off, a special summer pool party or family fun day, here's a to-do list that covers all pool partygoers.<br />
<br />
* First and foremost, lather up with suntan lotions. And then bring more in your tote bag so you can reapply after a round or two of swimming. There's nothing more frustrating when you settle in and realize you forgot your supplies and need to buy more.<br />
<br />
* Pack swimming gear. Regardless of whether you're going to the beach or pool, make sure you have goggles, noodles and other flotation devices. Your time in the water will never be more enjoyable.<br />
<br />
* Bring some snacks and drinks. After some rigorous swimming or leisurely baking in the sun, you're bound to build up an appetite or have a need to quench your thirst.<br />
<br />
* Don't forget your spittoon. Being at the pool in a bikini or trunks can leave one very exposed to say the least. If you're a smokeless tobacco user, there's even less opportunity to take a discreet "dip" while you're taking a dip in the pool.<br />
<br />
That is, unless you own a portable spittoon created by Atlanta-based FLASR. These new 4-ounce pocket-sized spittoons are brilliantly designed to allow users to easily open and close with just one hand, making them ideal items to bring to the pool or any other public setting so you can still enjoy your smokeless tobacco. Another advantage to the FLASR flask is its advanced closing mechanism that ensures it stays securely closed when not in use, eliminating the risk of any messy spills or leaks in the pool that come with those gaudy bottles or drink cups of old.<br />
<br />
For more information, please visit www.flasr.com.<br />
<br />
<span style='display:none' class='DO NOT REMOVE - THIS CATEGORY CODE WILL BE HIDDEN - IT IS NEEDED TO BE FOUND BY CATEGORY AND ONE-CLICK SEARCH'>Category: Saint Lucia - in Countries</span>
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Millie Zemlak Millie_Zemlak
(NewsUSA) - The Bible is one of the most studied texts in existence, but a new book reveals a previously unrecognized encrypted message in the Old Testament that foresees the birth, crucifixion, and resurrection of Jesus.
In the book, The Chamberlain Key: Unlocking the God Code to Reveal Divine Messages Hidden in the Bible, author Timothy Smith describes how he discovered the message by cracking a code in Genesis 30:20-24 in the oldest form of the Hebrew Old Testament.
Smith, an appraiser and restorer of fine art and antiquities, was researching his family history and became intrigued by the Torah after learning that his matriarchal ancestors were in fact Sephardic Jews, and early Christians of Jewish decent. He said in a statement that he was drawn to the specific passages in Genesis because of parallels between descriptions of the family of Jacob, known as the father of the House of Israel, and his own family.
Smith assessed the passages using an equidistant letter skip decryption method inspired by the Hebrew spelling of his name (the nine-letter Timotheus). He discovered not only his own name, but also biographical information that reflected other members of his family
As he reviewed the passage in Genesis using the code, Smith found details about the birth, crucifixion, and resurrection of Jesus. He also identified references to religious images, including the Rocio Madonna, clues to the location of the contents of the Ark of the Covenant, and warnings of the spread of anti-Semitism, hate, and violence.
Smith's research methods and conclusions have been reviewed by experts, including Dr. Robert Jahn, dean emeritus of engineering at Princeton University, and Dr. Eugene Ulrich, chief editor of the Biblical Dead Sea Scrolls and professor of Hebrew Scripture and Theology at University of Notre Dame.
"Never before have so many high-level language and scientific experts agreed that the encrypted structures we have detected in this section of the Hebrew text, and the other structures logically predicted from this key code, are a very deliberate attempt by the Author of the pre-Christian text to make 'contact.' No other published 'Bible code' discoveries impress us in this way," Smith says.
The Chamberlain Key takes readers through Smith's journey of discovery, including his personal account of the spiritual experiences that inspired him to pursue his research into the Torah.
In addition, a history documentary series about the book and Smith's story are in production and scheduled to air within the year.
For more information, visit http://chamberlainkey.com.
Ref: God - in Blogs
In the book, The Chamberlain Key: Unlocking the God Code to Reveal Divine Messages Hidden in the Bible, author Timothy Smith describes how he discovered the message by cracking a code in Genesis 30:20-24 in the oldest form of the Hebrew Old Testament.
Smith, an appraiser and restorer of fine art and antiquities, was researching his family history and became intrigued by the Torah after learning that his matriarchal ancestors were in fact Sephardic Jews, and early Christians of Jewish decent. He said in a statement that he was drawn to the specific passages in Genesis because of parallels between descriptions of the family of Jacob, known as the father of the House of Israel, and his own family.
Smith assessed the passages using an equidistant letter skip decryption method inspired by the Hebrew spelling of his name (the nine-letter Timotheus). He discovered not only his own name, but also biographical information that reflected other members of his family
As he reviewed the passage in Genesis using the code, Smith found details about the birth, crucifixion, and resurrection of Jesus. He also identified references to religious images, including the Rocio Madonna, clues to the location of the contents of the Ark of the Covenant, and warnings of the spread of anti-Semitism, hate, and violence.
Smith's research methods and conclusions have been reviewed by experts, including Dr. Robert Jahn, dean emeritus of engineering at Princeton University, and Dr. Eugene Ulrich, chief editor of the Biblical Dead Sea Scrolls and professor of Hebrew Scripture and Theology at University of Notre Dame.
"Never before have so many high-level language and scientific experts agreed that the encrypted structures we have detected in this section of the Hebrew text, and the other structures logically predicted from this key code, are a very deliberate attempt by the Author of the pre-Christian text to make 'contact.' No other published 'Bible code' discoveries impress us in this way," Smith says.
The Chamberlain Key takes readers through Smith's journey of discovery, including his personal account of the spiritual experiences that inspired him to pursue his research into the Torah.
In addition, a history documentary series about the book and Smith's story are in production and scheduled to air within the year.
For more information, visit http://chamberlainkey.com.
Ref: God - in Blogs
(NewsUSA) - The Bible is one of the most studied texts in existence, but a new book reveals a previously unrecognized encrypted message in the Old Testament that foresees the birth, crucifixion, and resurrection of Jesus.<br />
<br />
In the book, The Chamberlain Key: Unlocking the God Code to Reveal Divine Messages Hidden in the Bible, author Timothy Smith describes how he discovered the message by cracking a code in Genesis 30:20-24 in the oldest form of the Hebrew Old Testament.<br />
<br />
Smith, an appraiser and restorer of fine art and antiquities, was researching his family history and became intrigued by the Torah after learning that his matriarchal ancestors were in fact Sephardic Jews, and early Christians of Jewish decent. He said in a statement that he was drawn to the specific passages in Genesis because of parallels between descriptions of the family of Jacob, known as the father of the House of Israel, and his own family.<br />
<br />
Smith assessed the passages using an equidistant letter skip decryption method inspired by the Hebrew spelling of his name (the nine-letter Timotheus). He discovered not only his own name, but also biographical information that reflected other members of his family<br />
<br />
As he reviewed the passage in Genesis using the code, Smith found details about the birth, crucifixion, and resurrection of Jesus. He also identified references to religious images, including the Rocio Madonna, clues to the location of the contents of the Ark of the Covenant, and warnings of the spread of anti-Semitism, hate, and violence.<br />
<br />
Smith's research methods and conclusions have been reviewed by experts, including Dr. Robert Jahn, dean emeritus of engineering at Princeton University, and Dr. Eugene Ulrich, chief editor of the Biblical Dead Sea Scrolls and professor of Hebrew Scripture and Theology at University of Notre Dame.<br />
<br />
"Never before have so many high-level language and scientific experts agreed that the encrypted structures we have detected in this section of the Hebrew text, and the other structures logically predicted from this key code, are a very deliberate attempt by the Author of the pre-Christian text to make 'contact.' No other published 'Bible code' discoveries impress us in this way," Smith says.<br />
<br />
The Chamberlain Key takes readers through Smith's journey of discovery, including his personal account of the spiritual experiences that inspired him to pursue his research into the Torah.<br />
<br />
In addition, a history documentary series about the book and Smith's story are in production and scheduled to air within the year.<br />
<br />
For more information, visit <a target='_blank' href="http://chamberlainkey.com.">http://chamberlainkey.com.</a> <br />
<br />
Ref: God - in Blogs
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