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    Millie Millie_Zemlak
    (NewsUSA) - "To shave strokes from your golf game, the only equipment you need is a good eraser."

    Although this phrase is uttered jokingly by many golfers, recreational golfers who've reached their plateau have had very few other options, until now.

    "If recreational golfers insist on following the rules used by the PGA Tour, there's little they can do to immediately improve their game," says John Hoeflich, executive director, of the United States Recreational Golf Association (USRGA). "However, if they play by USRGA rules, they do have the option to switch to better equipment."

    The USRGA is the official organization that governs recreational golf. Its rules allow the use of higher-performance golf equipment. Hoeflich estimates that more than half of U.S. golfers agree with the USRGA rules that permit equipment that "puts fun back in the game, speeds up play and helps achieve better scores."

    Callaway Golf started the recreational equipment movement in 2000 with the ERC II driver. Now Polara Golf is advancing the movement with its Advantage driver and Ultimate Straight golf balls -- both engineered to eclipse the PGA limits, which means you can't play them in the Masters or U.S. Open.

    David Felker, chief technology officer for Polara Golf, explains, "Our drivers and balls are not intended for the top amateur players and professionals. We purposely designed equipment that exceeds the performance limits accepted by the PGA Tour, so that recreational golfers can experience less frustration, score lower and have more fun."

    A 2012 Google consumer survey revealed that 63 percent of respondents would consider using golf equipment that provides a performance advantage. This sentiment is shared by the PGA of America president, Ted Bishop, who says, "I think anything we can do to relax the rules, if it means putting non-conforming equipment in the hands of players that enable them to hit the ball higher and farther and enjoy the game more -- what's the problem?"

    According to the National Golf Foundation, golf rounds have fallen by 8 percent since 2007, largely due to the frustrations of the game, excessive play times and high costs.

    "The technology now exists to make golf more pleasurable for everyone," says Felker. "Who doesn't want to have more fun?"

    For more information, visit www.polaragolf.com and www.usrga.org.

    Ref: Golf - in Blogs
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    Millie 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
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    Jason jason




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    Millie Millie_Zemlak
    (NewsUSA) - Preparing to pop the question this Valentine's Day, but unsure how to choose the right engagement ring? Read on for all the tools you need to make the perfect pick!

    While choosing an engagement ring can be exciting, the variety of settings, precious metals, and diamonds can be overwhelming. However, the following tips will help you in finding the ideal diamond engagement ring.

    Set your price limit.

    Before you start shopping, know how much you want to spend. There is no right or wrong amount to put toward a ring, and many beautiful stones and styles are available to suit any budget. It's important to note that lab-grown diamonds can be up to 40 percent less expensive than mined stones.

    Learn the "4 C's" of diamonds.

    These are: cut, color, clarity, and carat. Here's the translation:

    Cut: The cut of a diamond is the most important factor in determining its fire, brilliance, and sparkle.

    Color: Not all diamonds are clear; some have varying tints of yellow.

    Clarity: A measure of the number of flaws or inclusions in the stone.

    Carat: A measure of the weight of the diamond. However, more weight also indicates a bigger size.

    Consider shape.

    The common diamond shapes used in engagement rings are round, cushion, pear, oval, princess, radiant, and emerald.

    Each of these shapes has its fans and distinctive features. For example, a round diamond is the classic engagement ring style, but the larger facets of a cushion style can enhance brilliance, and the elongated emerald cut presents a bold look that can make a diamond appear larger than its carat weight.

    Choose a setting.

    Deciding the right setting or diamond shape for your stone is a personal decision. Some people have specific ideas for a setting, and take more time on the stone, or vice versa.

    However, not all settings accommodate all shapes so it's important to prioritize one or the other if you are set on a particular shape or setting.

    Typical engagement ring styles include the solitaire, a simple band that showcases any diamond shape; halo, in which a central stone is surrounded by smaller diamonds; classic, which features a row of accent diamonds along the ring band; and vintage, which replicates design styles from different time periods.

    Contemplate your center stone.

    When it comes to your center stone, there are a few different options to choose from. Although diamonds are the most popular, birthstones, moissanite, and cubic zirconia are also great budget-friendly options.

    In regards to diamonds, there are two types to choose from: mined diamonds and lab-created diamonds.

    While mined diamonds are extracted from the earth, lab-grown stones are guaranteed to be ethically sourced and, as mentioned above, up to 40 percent less expensive.

    Both types are identical in terms of chemistry and physical appearance. However, interest in lab-created diamonds has surged in recent years as more couples are concerned with sustainability, as well as beauty and romance.

    Ref: Dating - in Blogs
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    Jason jason
    1.Nihari,

    Nihari is a delicious meat stew loved by people all over the world,

    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.

    It was originally invented in the 1800s to be consumed as a high energy, rich in nutrition and heavy on stomach dish

    to keep the working-class citizens full all day long and to provide required energy.

    However, in today's era it is eaten for its magical flavor which gives your tongue the flavor it craves!

    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.

    It is traditionally served with naan (a fermented bread baked in a clay oven)



    2. Namkeen rosh,

    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.

    The ingredients only include;

    . Diced Ginger & Garlic

    . Meat (small pieces preferably fatty cuts)

    . And most important Salt which gives this dish its signature taste.

    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.



    3. Chicken tikka,

    Tikka (BBQ chicken generally well charred, spicy and tangy in flavor) is the dream of every meat loving person.

    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.

    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.

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    Millie Millie_Zemlak
    (NewsUSA) - Many of today's travelers seek a sense of community and connection at their destinations. Travelers seeking a Caribbean getaway with a welcoming feel and local flavor need look no further than the Bay Gardens Resorts on the beautiful island of St. Lucia.

    The Bay Gardens Resorts properties are ideally situated to take advantage of the best restaurants, activities, and events that the community of St. Lucia has to offer. For example, the month of October featured the Saint Lucia Arts & Heritage Festival, and included music, theater, lectures, art exhibitions, and street parties, all conveniently located in nearby Rodney Bay Village for easy access by Bay Gardens guests who booked its Creole Heritage Special.

    The feeling of community at Bay Gardens Resorts is mirrored in the resort's local ownership, which conveys a different vibe than a large, international chain resort.

    Throughout its 25-year existence, the award-winning resort chain has been dedicated to sustainably developing its St. Lucian society. Participating in the St. Lucia Hotel and Tourism Association's Virtual Agricultural Clearing House (VACH) and its farm-to- table approach when designing menus have fostered better linkages with local farmers.

    As a Green Globe Gold Member, environmental responsibility plays a vital role in business affairs conducted by the brand. Additionally, the company invests in the growth of its local economies as most of the staff and management are local, highly expert and experienced in fielding questions, planning events, and providing customer service for everyone from business travelers to wedding parties to families with small children.

    The Bay Gardens Resorts family of properties has something for every taste.

    Bay Gardens Beach Resort and Spa, for instance, offers an all-inclusive experience that caters to those seeking plenty of sand and surf, as well as spa indulgence. Guests staying seven nights or more who opt for this option not only get the best value with access to the Rodney Bay Dine Around Program and an opportunity to dine at affiliated restaurants, but also significantly assist in contributing to the community.

    The resort also includes a business center, wedding gazebo, and on-site water park.

    By contrast, the Bay Gardens Hotel and Bay Gardens Inn provide luxury and pampering in intimate, boutique-style settings.

    "Cherishing a long tradition of unmatched Caribbean hospitality, our hotel in Rodney Bay, St. Lucia, has built a reputation on friendly service, stylish accommodations, and unforgettable scenery," according to the website for the Bay Gardens Hotel, and this combination of service, style, and scenery applies to the other properties.

    A new addition to the Bay Gardens family is Bay Gardens Marina Haven, a 35-room space located within a botanical garden adjacent to the Rodney Bay Marina.

    Want to be right on the water? Consider the Waters Edge Villas, a pair of private villas with luxury amenities and marina views.

    Both the Waters Edge and Marina Haven provide complimentary shuttle service to the other Bay Resorts properties, so guests can take full advantage of the larger community of Rodney Bay, with its nightlife, shops, and restaurants.

    Visit baygardensresorts.com for more information.

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    Tiya tiya1969
    Morning with the Master

    Hey sisters and brothers! Welcome to my weekly devotional where we can share prayers, scriptures and reflection.

    When reading this morning, I came across the story of Athaliah, the first female crowned king who, when her husband and sons died, killed off the rest of her family line (her grandkids) so that she would be the only person left in her lineage and could rule until her death. I don't know about you, but there is nothing more important than my family--and the grandkids are extra special and precious to my very sight! To have that much greed and desire to have not only everyone answer to you, but also be the sole decision maker is completely out of bounds, and extremely ambitious.

    As a Christian woman, I don't want to be the only face that people seek for approval, answers and permission. That is too much weight for any one person to bear and its just unnatural. Who can you love? Who can love you?

    The divine God created the world and everything in it. Can any man or woman follow that? Not one! Can any man or woman have the right answer to EVERY question or concern? Not one! Can any man or woman create a permanent route for peace and understanding? Not one!

    There is a reason we cannot see or touch God. Because we might do like Athaliah and try to eliminate the almighty because of greed and idolatry. He oversees and has the end say to everything we do. That is a safety I can count on if I cannot rely on anything else in this world.

    Let me know your thoughts. Let's talk about it.

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    Millie Millie_Zemlak
    (NewsUSA) - You probably don't think much about the fate of old, worn-out uniforms from restaurants, stores, healthcare facilities, sports teams, and other industries. But the fact is that many end up in landfills. However, one company is doing its part to lessen this carbon footprint by repurposing these old uniforms into new.

    Eco Tek 360, a forward-thinking fiber technology company and a division of Global Fiber Technologies, Inc. a public company, (GFTX), has developed a proprietary technology that removes the fibers from fabrics that have reached the end of their useful life cycle. The fibers are extracted from a landfill-destined garment and used to create yarn, make new fabric, and then get sewn into fabric which is turned into "rejuvenated" uniforms. Each time the uniform comes back to the client, the process creates a true circular economy and reduces carbon footprints.

    "It takes between 500 to 700 gallons of water to grow one pound of cotton and Eco Tek 360 can help save billions of gallons each year through utilization of its patent- pending process," says Chris Giordano, president and co-chairman of Global Fiber Technologies.

    "We will take corporate uniforms at the end of their useful life that would otherwise head for disposal and re-purpose them back to the same company as sustainable, high quality uniforms for their employees," says Giordano.

    "Our primary raw material is sourced from uniforms being disposed of by our corporate clients, allowing us to be competitive on price," says Paul Serbiak Global's CEO.

    There are three steps to the ECOTEK process:

    - Recovery: Companies collect old uniforms and send them to Ecotek. Customers earn a credit towards new uniform purchases.

    - Rejuvenation: Rejuvenation is the heart of the Ecotek philosophy. The company uses a patented procedure to remove old fiber from fabric, restore it, and create new fabric. The rejuvenated fiber is soft, strong, and comfortable, and looks like new.

    - Re-creation: The fabric made from the rejuvenated fiber is then used to make new uniforms.

    "The entire process takes place in the USA, ensuring fair labor practices and extremely high quality standards," according to the company. Ecotek will offer customized design in large and small batches with quick turnaround times.

    Buying uniforms made with rejuvenated fibers not only saves water and energy, it saves money, and allows employees to feel proud and look great with options for customized style and sizing.

    Surveys show that a majority of entry-level employees prefer to work for an environmentally friendly company and more than half of consumers prefer to buy from companies with a green reputation.

    For more information about how your company can go greener and look great doing it, visit https://globalfibertechnologies.com/ecotek-360

    Ref: Business - in Blogs
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    Millie Millie_Zemlak
    (NewsUSA) - They may not make those "Agony of Defeat" sports reels, but amateur athletes get injured all the time. Maybe it's from an awkward golf swing. Or maybe it's from not warming up or stretching before an event.

    Whatever the cause, though, there's one scary thing they have in common with the pros.

    "The reality is that all athletes are one fall, twist, or tweak away from landing their own opioid prescription," Outside magazine warned.

    The warning couldn't be better timed. It's not just that the country is in the midst of an opioid crisis that's claimed the lives of thousands of prescription painkiller abusers and left countless more addicted to the likes of OxyContin. It's also that -- as the magazine also noted -- physicians seem to be starting to heed last year's urging by the Centers for Disease Control and Prevention to dramatically curtail prescribing the drugs.

    According to a survey conducted for the Boston Globe by the SERMO physicians social network, more than half of doctors across America are doing exactly that, and nearly one in 10 have completely stopped prescribing them.

    So what's an amateur athlete suffering from pain supposed to do? One especially popular alternative is drug-free chiropractic care.

    Whereas opioids (and Ibuprofen forms of over-the-counter drugs) only "mask" the pain, doctors of chiropractic approach the problem highly educated and trained in the structure and function of the human body.

    And they use hands-on techniques to help enhance flexibility, muscle strength, and range of motion -; the very things all athletes need addressing. And yes, as the Foundation for Chiropractic Progress' Dr. Sherry McAllister says, chiropractic is covered by most insurance and health plans.

    To locate a nearby doctor of chiropractic,visit f4cp.com/findadoctor.

    Ref: Cool - in Blogs
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