(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

(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.<br /> <br /> Whatever the cause, though, there's one scary thing they have in common with the pros.<br /> <br /> "The reality is that all athletes are one fall, twist, or tweak away from landing their own opioid prescription," Outside magazine warned.<br /> <br /> 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.<br /> <br /> 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.<br /> <br /> So what's an amateur athlete suffering from pain supposed to do? One especially popular alternative is drug-free chiropractic care.<br /> <br /> 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.<br /> <br /> 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.<br /> <br /> To locate a nearby doctor of chiropractic,visit f4cp.com/findadoctor.<br /> <br /> Ref: Cool - in Blogs

ODE TO SATURDAY MORNINGS<br /> <br /> Saturday mornings are meant for rest and relaxation….except in an African American household. Saturdays are meant for a deep scrubbing from the inside to the outside, usually to be completed by noon so we could go outside and ride our bikes and play until the streetlights came on, or in my case, piano lessons until early afternoon and THEN ride the day away all over the city of Columbus on my white 10-speed.<br /> <br /> Early mornings, we would wake to my mom’s homemade apple or cherry turnovers or Bob Evan’s recipe biscuits. My younger sister and I woud have the inside of the house and our brothers would have the outside. Once we all came together in the middle, we would eat, get dressed and head to piano lessons on 18th Street with the incomparable Vincent Walters.<br /> <br /> Music comprehension for one hour, hanging with some like-minded creatives (we really weren’t), and then home to Soul Train at noon and friends, kickball, garden hoses and Dixie cups and the creek for the rest of the day and night. Being a kid was so easy in the 80’s. My only stress was if the neighbor boy liked me more than he did Kim Cherry. That was it. That was all. Childhood and Saturdays was a blast! No cell phones, no child predators lurking the streets (we knew everyone who belonged). Just simple childhood fun.<br /> <br /> What is your ode to Saturday?<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: Family - in Blogs</span>

JRider Classics is a leading classic car dealer in north America. We're in business for 40 years, serving classic cars and collectibles to collectors worldwide. The only place to think about for your next classic is us.<br /> <br /> What we need<br /> <br /> We're looking for influencers in order to find new customers. We need you to post invitations to invite followers to visit our website via a creative story with images. We'll send you $500.00, or 50,000 gift-points once the post is done. If you're interested, simply say you're Interested in a comment below this post.<br /> <br /> CONDITIONS<br /> <br /> Audience<br /> United-States, UK, Australia<br /> <br /> Language<br /> English<br /> <br /> Channels<br /> Cars, Lifestyle, Fashion, Beauty, Travel<br /> <br /> Minimum Followers<br /> 1000<br /> <br /> Age Group<br /> 18-65<br /> <br /> Genders<br /> Any<br /> <br /> Post Type<br /> Story with images<br /> <br /> Pay Per Post Amount in Money<br /> $500.00<br /> <br /> Pay Per Post in Points. 100 points = $1.00<br /> 50,000<br /> <br /> Commission Per Sale<br /> $0<br /> <br /> Item Shipped For Review<br /> None<br /> <br /> Must Create a New Creative From Scratch<br /> Yes<br /> <br /> Must Use The Images And Video Supplied<br /> No<br /> <br /> Must Follow Some Specific Guidelines<br /> No<br /> <br /> Must Avoid Saying or Showing Specific Things<br /> No<br /> <br /> Content Must Be Approved Before Posting<br /> No<br /> <br /> Delivery Delay in Days<br /> 5 Business day<br /> <br /> Delivery Exact Date<br /> None<br /> <br /> Our Website URL<br /> <a onclick="$('#phonebook-category-no-city').val($(this).text());" class="coolinks btn-scroll hashword" href="https://stallios.com/JRider">JRider</a><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: Influencer Marketing Offers - in Marketing</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) - Cold brew coffee continues to be a hot trend. Recent market research shows an increase in sales of 580 percent between 2011 and 2016 as coffee drinkers have embraced the smooth flavor of cold brew.<br /> <br /> Cold brew is coffee made with cold water. It sounds simple, but making cold brew concentrate from ground coffee at home can be a messy and time-consuming process. Most devices on the market require 12 to 24 hours of steep time at room temperature to brew a coffee concentrate suitable for cold brew coffee, so serving cold brew coffee has traditionally required advance planning. But now a specialized coffee press allows cold brew coffee lovers to get their fix in a couple of minutes.<br /> <br /> By briskly stirring coffee grounds and room temperature water together in the AeroPress coffee maker, you can cut brewing time from many hours to just two minutes. Simply add finely ground coffee and room-temperature water, stir, press, and enjoy a cup of smooth, flavorful cold brew coffee.<br /> <br /> Another advantage of the AeroPress is a quick and easy cleanup. Unlike typical cold brewers, the AeroPress does not leave a large filter full of messy coffee grounds after brewing. It is designed to consolidate the used grounds and filter into a small, neat puck that pops out ready for composting.<br /> <br /> A huge advantage of cold brewing is it can be done where there is that no access to hot water. When traveling, hiking, biking, or doing other activities away from the home kitchen, there is almost always a source of water but often no way to heat it. However with a lightweight, portable AeroPress, it is easy to brew a cup of smooth rich cold brew using tap water in about two minutes.<br /> <br /> Not only does the AeroPress brew delicious hot coffee in addtion to cold brew, but as a multipurpose coffeemaker, it helps cut kitchen clutter by eliminating the need for separate machines.<br /> <br /> Visit aeropress.com for more information about how to enjoy cold brew (or hot) coffee with ease in the comfort of your home.<br /> <br /> Ref: Drinks - in Blogs

(NewsUSA) - Owning a home is a huge investment, and once they've owned long enough to build up equity, many homeowners opt to leverage the equity for other uses. But if you're on the fence about taking on another monthly loan payment, an option that may be right for you is co-investing.<br /> <br /> With a home equity loan, you borrow against the equity in your home and receive a lump sum of money that you have to pay back each month over a specified term - commonly 15 years. The interest rate is usually fixed, but is typically higher than your primary mortgage.<br /> <br /> Co-investing offers an alternative to traditional home equity loans. In a nutshell, the co-investing company pays the homeowner an upfront amount, with no repayments for a set number of years, or until the home is sold, whichever comes first. There may also be an option to buy the company out, after a minimum restriction period passes. This option can be ideal for a homeowner who wants access to cash without the added financial burden of monthly loan payments, who has lived in a home long enough to build up some equity, and plans to stay at least another five years.<br /> <br /> Unison, a San-Francisco-based real estate company, is a leader in the growing field of co-investment. Unison offers homeowners a cash payment of up to 17.5 percent of their home's current market value. When the house is sold or 30 years pass, the owner pays Unison an amount equal to the initial co-investment, plus (or minus) a percentage of the home's appreciated (or depreciated) value.<br /> <br /> Here's an example: A homeowner whose home is currently worth $500,000 and who needed $25,000 in cash (5 percent of the home's value) would repay an amount equal to $25,000 plus 25 percent* of the amount the house appreciates in value during the time of the co-investment. With a larger co-investment, the company receives a larger share of the appreciation in value.<br /> <br /> Homeowners can use their cash for anything, but Unison recommends something of long-term value, such as kids' college tuition, medical expenses, home remodeling, or investing in diverse stocks and bonds.<br /> <br /> Other benefits of co-investing: Keeping gains from remodeling work and keeping the equity built from prompt mortgage payments.<br /> <br /> Being a good candidate for homeowner co-investing is not so different from being a good homeowner generally. Unison requires that homeowners keep the home as their primary residence; stay current on payments for mortgages, property tax, and homeowners' insurance; keep the home well-maintained to retain and increase value; and keep Unison informed of issues, such as remodeling plans or emergencies, such as natural disasters, bankruptcy, or plans to sell the home.<br /> <br /> To find out how Unison can help you get the most out of homeownership, visit unison.com.<br /> <br /> *This is a possible percentage for illustrative purposes. The actual percentage varies based on the specific HomeOwner transaction.<br /> <br /> Ref: Housework - in Blogs

(NewsUSA) - Three square meals a day are a thing of the past. Busy schedules, diverse dietary preferences and the flow of modern life necessitate more flexible and convenient meals. Luckily, snacking is in the midst of a revolution. Traditional snacks like chips and pretzels have given way to bigger, better and healthier options that deliver both convenience and nutrition in one tasty package. Whether clean-label, organic, vegan or nutrient-added, it's up to ingredient suppliers and manufacturers to develop products that meet all of these demands. That's certainly a tall order.<br /> <br /> While there are no standard requirements for clean label snacks, naturally derived gums, hydrocolloids and colors are generally accepted in such applications and have become increasingly popular. You might see these ingredients listed as carrageenan, a soluble fiber from red seaweed, or cellulose gel, which is a refined plant fiber. In many foods and beverages, these ingredients improve shelf life and nutritional value without diminishing taste -- like giving drinkable low-fat yogurt that distinctive creamy consistency with every sip.<br /> <br /> They also prove quite functional in products that meet strict dietary requirements, like gluten-free and vegetarian options. Hydrocolloids and gums like carrageenan, alginates and cellulose gel can be sustainably sourced from nature and are perfectly suited for vegetarian and vegan foods. Either by improving the flavor and fullness of meatless sausage or producing non-dairy ice cream with that definitive indulgence and delectability, these ingredients are making new snacking options both possible and palatable.<br /> <br /> Reducing the number of ingredients in a recipe is one challenge and, more recently, adding ingredients has become another. We want foods and beverages with added value, but it's important to understand that introducing vitamins or nutrients to any product can significantly affect flavor and texture. Enriched, shelf-stable snacks that boast added protein need a stabilizer to maintain the quality of the product. Without the added ingredients like carrageenan, similar products might separate, taste chalky or be less effective than their claims imply.<br /> <br /> Food companies are adapting their product formulations and rolling out new products to meet demand for healthy snacking solutions. Naturally derived ingredients that help reduce fat and sugar content but maintain product integrity are changing the way we snack. They deliver that indulgent experience we all appreciate. For more information on ingredients that give us a variety of snacks for a wide range of diets, please visit www.FoodScienceMatters.com.<br /> <br /> Ref: Cooking - in Blogs