(NewsUSA) - As energy costs rise, the "green" movement and conservation efforts have become popular topics. Energy-saving recommendations appear daily in the media, and consumers are being offered subsidies or state and federal tax credits to encourage the purchase of more efficient appliances. However, many homeowners fail to consider their water heater when it comes to going "green."<br /> <br /> Although today's water heaters are expected to operate for an average of 13 years, the U.S. Department of Energy recommends shopping for a new water heater if your current unit is more than seven years old. This allows an adequate amount of time for homeowners to research and select a water heater that best meets their needs instead of waiting until their heater breaks down and selecting the cheapest quick fix for cold showers.<br /> <br /> Consumers are increasingly turning to high-efficiency water heaters when replacing older units or during remodeling and building projects. While these models may cost more initially, savings in water and energy usage continue throughout the lifetime of the appliance, offsetting the price difference. The U.S. Environmental Protection Agency reports that these units use 10 to 50 percent less energy, benefits to both your budget and the environment.<br /> <br /> A recent study by the Gas Technology Institute simulated the residential performance of high-efficiency water heaters and conventional units. The Vertex from A. O. Smith, a hybrid, gas-condensing, residential unit incorporating tank-type and tankless technology, provided the best overall performance at average and high-volume hot water usage, which is the consumption of 64-gallons or more per day of hot water.<br /> <br /> Endorsed by long-time environmental champion Ed Begley Jr. of the HGTV series "Living With Ed," the Vertex provides sufficient quantities of hot water for shower after shower and operates at 90 percent thermal efficiency. Additionally, it is designed to meet the demands that modern lifestyles require.<br /> <br /> "Using more efficient combustion to produce hot water at lower operating costs and 90 percent thermal efficiency, the Vertex is a good choice for customers who want to save energy without skimping on hot water," said David Chisolm, A. O. Smith Water Heater brand manager.<br /> <br /> For more information on the A. O. Smith Vertex model, visit hotwater.com/resources/energy-star-qualified-products/.<br /> <br /> Ref: Gifts - in Blogs

<br /> <br />

(NewsUSA) - Most Americans don't have $400 saved to cover for an unexpected emergency, but a recent poll from Chase found that consumers may be ready to change that this year. 80 percent plan to save more and 51 percent say emergency savings is their goal.<br /> <br /> Savings is key to financial health and Chase Financial Education Ambassador Farnoosh Torabi has tips and advice on how to get started and make savings a habit. (watch video)<br /> <br /> According to Torabi, increasing savings is key to stability and gives people the ability to quickly recover when there are ups and downs.<br /> <br /> Chase is focused on helping encourage the habit of savings and support people by providing information and resources that can help customers on their savings journey.<br /> <br /> Take a first step by understanding your expenses and building a budget. Budget Builder is a great tool from Chase to help you monitor your monthly spending and saving.<br /> <br /> Once you have this baseline, the key to reaching your goals is to just start saving, even if you're starting small. "My advice is to automate," says Torabi. "There is a great feature through the Chase App called Autosave which allows you to decide on your own how much you want to save and how frequently you want to save, so you can feel in control of this. The good news is the technology does the savings for you." With this feature, you can save as little as $1 a day.<br /> <br /> While consistency is key, savings is about what works for you. In a month when you have extra cash, you can always accelerate your savings, but in a tighter month, it's all right to take a pause or draw from your savings to cover an unexpected expense.<br /> <br /> Check out chase.com/autosave for more information and tips on how to make savings work for you.<br /> <br /> Ref: Crowdfunding - in Blogs

As the most densely populated city in central Indonesia, Makassar offers a diverse array of captivating destinations for travelers. The strategic coastal position of Makassar makes it an important transit port for long-distance ships, serving routes from Surabaya to Papua. This strategic role is not new—since colonial times, Makassar has been a vital naval center, as evidenced by the magnificent presence of Fort Rotterdam.<br /><br />The Rich History of Fort Rotterdam<br />Fort Rotterdam was first constructed in 1545 by the 9th King of Gowa, Daeng Matanre Karaeng Tumapa'risi' Kallonna. Originally named Fort Ujung Pandang, this fortress was later surrendered to the Dutch VOC under the Treaty of Bungaya in 1667.<br />The fort's architecture is truly impressive, featuring six sturdy bastions surrounded by seven-meter-high walls and a two-meter-deep moat as a defense system. During its golden era, this fortress served as the central collection point for spices from across the Indonesian archipelago before being traded to European markets, making it one of the most important economic hubs in Southeast Asia.<br /><br />Transformation into an Educational Museum<br />Today, Fort Rotterdam has transformed into an educational museum that can be visited free of charge by all Indonesian citizens. The fortress atmosphere successfully maintains its classic ambiance, transporting visitors back to the colonial era.<br /><br />Within the fort complex, invaluable historical artifacts are housed and can be enjoyed by visitors of all ages, from children to adults. This place serves as the perfect educational venue for understanding Indonesia's historical journey, particularly in the South Sulawesi region.<br /><br />The museum showcases various collections that tell the story of Makassar's maritime heritage, colonial influences, and the rich cultural tapestry of the Bugis-Makassar people. Interactive displays and well-preserved artifacts provide visitors with an immersive learning experience about Indonesia's colonial past and its impact on modern society.<br /><br />A Photography Paradise with Classic Vibes<br />For photography enthusiasts, Fort Rotterdam offers an extraordinary location with stunning classic and aesthetic appeal. Various corners of the fort provide Instagram-worthy backdrops, creating the sensation of traveling back in time.<br /><br />You can pose freely and capture as many moments as desired at the numerous attractive spots available. The well-preserved colonial architecture provides the perfect backdrop for character-rich photo collections. The interplay of ancient stone walls, vintage cannons, and tropical vegetation creates a unique visual narrative that tells stories of centuries past.<br /><br />Whether you're interested in architectural photography, portrait sessions, or simply capturing memories with friends and family, Fort Rotterdam's diverse settings offer endless creative possibilities. Don't forget to share your best shots on your favorite social media platforms!<br /><br />Practical Information for Visitors<br />Opening Hours: Daily from 8:00 AM to 6:00 PM<br />Admission: Free for Indonesian citizens<br />Location: Jl. Ujung Pandang, Bulo Gading, Makassar<br />Best Time to Visit: Early morning or late afternoon for optimal lighting and cooler temperatures<br />The fort is easily accessible by public transportation, private vehicles, or ride-sharing services. Parking facilities are available on-site, and the location is within walking distance of other Makassar attractions, making it convenient to include in your city tour itinerary.<br /><br />A Living Testament to History<br />Fort Rotterdam is more than just an ordinary tourist destination—it stands as a silent witness to historical journeys that connect the past with the present. The combination of educational value, architectural beauty, and captivating photography experiences makes this place a must-visit when in Makassar.<br />The fortress represents the complex layers of Indonesian history, from the powerful Gowa Kingdom to Dutch colonial rule, and finally to Indonesia's independence. Walking through its corridors and chambers, visitors can almost hear the echoes of historical events that shaped not only Makassar but the entire Indonesian archipelago.<br />For history buffs, culture enthusiasts, and casual travelers alike, Fort Rotterdam offers a unique window into Indonesia's rich maritime heritage and colonial past, making it an essential stop on any Makassar adventure.<br /><br /><br />Have you had any interesting experiences while visiting Fort Rotterdam? Or do you have questions about this historical destination? Please share in the comments section below. Thank you for reading!<br />

<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>

<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>

(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

1.Nihari,<br /> <br /> Nihari is a delicious meat stew loved by people all over the world, <br /> <br /> for its radiant beautiful aroma, rich savory flavor and tender fall of the bone meat which completely dissolves into your mouth giving you an experience of a lifetime. <br /> <br /> It was originally invented in the 1800s to be consumed as a high energy, rich in nutrition and heavy on stomach dish <br /> <br /> to keep the working-class citizens full all day long and to provide required energy. <br /> <br /> However, in today's era it is eaten for its magical flavor which gives your tongue the flavor it craves! <br /> <br /> The word Nihari comes from an Arabic word “Nahar” which means “Morning” as it was usually enjoyed in the daytime/early morning Its mouthwatering flavor attracted the Mughal Emperors (Nawabs) of that time who ate this delicacy to break their morning fasts. <br /> <br /> It is traditionally served with naan (a fermented bread baked in a clay oven) <br /> <br /> <br /> <br /> 2. Namkeen rosh, <br /> <br /> The word “Namkeen” in Urdu means “salty” As the name suggests it is this simple salty tender piece of meat which may not sound delicious to ‘ocean haters’ but, those who have tasted all confirm that it is indeed Delightful. <br /> <br /> The ingredients only include; <br /> <br /> . Diced Ginger & Garlic <br /> <br /> . Meat (small pieces preferably fatty cuts) <br /> <br /> . And most important Salt which gives this dish its signature taste. <br /> <br /> Now begins the time to wait, to make the meat tender and melt in your mouth. After the meat is done garnish it with some green chilies and ginger (preferably; lengthwise). It is traditionally served with its own broth (yakhnee) and naan. It is quite popular and mostly enjoyed in the northern mountainous regions of the country as it helps the locals stay warm and meet body’s salt requirement. <br /> <br /> <br /> <br /> 3. Chicken tikka, <br /> <br /> Tikka (BBQ chicken generally well charred, spicy and tangy in flavor) is the dream of every meat loving person. <br /> <br /> It is enjoyed all over the sub-continent and the name of United Kingdom is also included in this list. Traditionally small boneless chicken pieces are marinated with traditional species and yoghurt (dahi) to tenderize and break down the meat fibers with vertical cuts all over the chicken to let it completely absorb the flavor. the meat is cooked over open fire (angheeti) OR they are grilled over charcoals. <br /> <br /> The word “Tikka” is a Persian word meaning “bits / pieces” but if we listen to the people who have tried it, we can all agree that it should mean “outstanding flavor” because that's all this dish offers. <br /> <br />