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Rebecca Ebert Rebecca_Ebert
Category: Photography - in Blogs
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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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Aric Feeney Aric_Feeney
Category: Photography - in Blogs
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<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) - Independent films are the heart and soul of the movie industry. These original works of art have the potential to push the boundaries of film; engage new, underserved audiences and, just maybe, develop into blockbuster hits seen by millions of viewers worldwide.
This journey of growth, however, is no easy task. For an independent filmmaker, distribution can be the difference between a flop and a million-dollar success.
How can filmmakers trump this trend? The Movie Studio (TMS) evolved with an answer to this ever-important industry problem.
The TMS model is two-fold. The company both creates its own movies and simultaneously distributes other independent films. The combination provides TMS with a full library of diverse work that appeals to a broad network of buyers worldwide.
Currently, TMS is focused on English-speaking films. Plans are in the works, however, to enter the foreign films language market in the near future.
Gordon Scott Ventures, CEO, stated, "We are very excited to assist many independent producers, with their collective team in their quest for having their efforts rewarded by reaching audiences around the globe."
TMS' growth comes through enrolling indie producers from the top film schools and film festivals. If recruited, producers have the opportunity to share their work with audiences in more than 60 countries. These moviemakers can also become a member of TMS' growing family of followers, shareholders and supporters, ultimately working together for a mutual profit.
In addition, TMS continues to prove its value through its finesse and speed, period. The organization prides itself on giving viewers the power to decide for themselves if a film is successful.
As a pledge to its commitment to the industry, the TMS team has solidified a powerful, well-coordinated media platform through NewsUSA and FilmFestival.com. This platform will boast a strong social media program intended to reach new independent producers and savvy film watchers alike.
With the indie industry begging for more options to grow, TMS could be in the right position at the right time to swiftly become a leader in the entertainment industry at large.
To learn more, please visit www.TheMovieStudio.com.
Ref: Entertainment - in Blogs
This journey of growth, however, is no easy task. For an independent filmmaker, distribution can be the difference between a flop and a million-dollar success.
How can filmmakers trump this trend? The Movie Studio (TMS) evolved with an answer to this ever-important industry problem.
The TMS model is two-fold. The company both creates its own movies and simultaneously distributes other independent films. The combination provides TMS with a full library of diverse work that appeals to a broad network of buyers worldwide.
Currently, TMS is focused on English-speaking films. Plans are in the works, however, to enter the foreign films language market in the near future.
Gordon Scott Ventures, CEO, stated, "We are very excited to assist many independent producers, with their collective team in their quest for having their efforts rewarded by reaching audiences around the globe."
TMS' growth comes through enrolling indie producers from the top film schools and film festivals. If recruited, producers have the opportunity to share their work with audiences in more than 60 countries. These moviemakers can also become a member of TMS' growing family of followers, shareholders and supporters, ultimately working together for a mutual profit.
In addition, TMS continues to prove its value through its finesse and speed, period. The organization prides itself on giving viewers the power to decide for themselves if a film is successful.
As a pledge to its commitment to the industry, the TMS team has solidified a powerful, well-coordinated media platform through NewsUSA and FilmFestival.com. This platform will boast a strong social media program intended to reach new independent producers and savvy film watchers alike.
With the indie industry begging for more options to grow, TMS could be in the right position at the right time to swiftly become a leader in the entertainment industry at large.
To learn more, please visit www.TheMovieStudio.com.
Ref: Entertainment - in Blogs
(NewsUSA) - Independent films are the heart and soul of the movie industry. These original works of art have the potential to push the boundaries of film; engage new, underserved audiences and, just maybe, develop into blockbuster hits seen by millions of viewers worldwide.<br />
<br />
This journey of growth, however, is no easy task. For an independent filmmaker, distribution can be the difference between a flop and a million-dollar success.<br />
<br />
How can filmmakers trump this trend? The Movie Studio (TMS) evolved with an answer to this ever-important industry problem.<br />
<br />
The TMS model is two-fold. The company both creates its own movies and simultaneously distributes other independent films. The combination provides TMS with a full library of diverse work that appeals to a broad network of buyers worldwide.<br />
<br />
Currently, TMS is focused on English-speaking films. Plans are in the works, however, to enter the foreign films language market in the near future.<br />
<br />
Gordon Scott Ventures, CEO, stated, "We are very excited to assist many independent producers, with their collective team in their quest for having their efforts rewarded by reaching audiences around the globe."<br />
<br />
TMS' growth comes through enrolling indie producers from the top film schools and film festivals. If recruited, producers have the opportunity to share their work with audiences in more than 60 countries. These moviemakers can also become a member of TMS' growing family of followers, shareholders and supporters, ultimately working together for a mutual profit.<br />
<br />
In addition, TMS continues to prove its value through its finesse and speed, period. The organization prides itself on giving viewers the power to decide for themselves if a film is successful.<br />
<br />
As a pledge to its commitment to the industry, the TMS team has solidified a powerful, well-coordinated media platform through NewsUSA and FilmFestival.com. This platform will boast a strong social media program intended to reach new independent producers and savvy film watchers alike.<br />
<br />
With the indie industry begging for more options to grow, TMS could be in the right position at the right time to swiftly become a leader in the entertainment industry at large.<br />
<br />
To learn more, please visit www.TheMovieStudio.com.<br />
<br />
Ref: Entertainment - in Blogs
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Millie Zemlak Millie_Zemlak
(NewsUSA) - DigiTrax Entertainment, a pioneer in the music technology industry, brings its artificial intelligence (AI) expertise to the popular hip-hop segment.
With the introduction of KR38R Beats, a unique AI product specifically geared to the hip-hop artist, DigiTrax recognizes the importance of hip-hop music and how it is a great fit for AI technology. The company has paired with Spotlite, a popular and established singing performance app, to create "Rapping with the Robot," a contest for aspiring hip-hop artists.
The contest is scheduled to begin on Thanksgiving Day and end on New Year's Eve.
Prizes include an all-expenses-paid recording session, with professional production and distribution across all major platforms.
"We focused our AI on the most relevant segment of music in today's streaming economy," says Joe Vangieri, CEO of DigiTrax Entertainment.
"Hip-hop beats comprise one out of every three streams, and generate billions in revenue."
The KR38R Beats product is based on the Music Builder program, DigiTrax's unique and innovative technology that helps artists harness the power of artificial intelligence. Artists can feed ideas into the program, which then serves as a composing partner and allows them to create more songs more quickly.
Spotlite is a free, direct-to-fan singing app designed to allow amateur and professional vocalists to sing original music, covers, and karaoke across all musical genres.
"As a fan, you used to go out and buy CDs to support your favorite artist," says Juan Munoz, general manager of Spotlite Media.
"With the change in how fans ingest content, Spotlite has not only allowed fans a new way to directly support their favorite artists, but the fans become the tastemakers. Through our contests, fans tell us who should truly be recognized for their talent," he explains.
Other benefits of using artificial intelligence in creating original hip-hop music include greater profitability and protection for the users under copyright law.
"Because we own both the publishing and the sound recording that our AI has written," Vangieri explains, "this gives us free reign to fully exploit both sides of a song - the publishing and the sound recording."
DigiTrax plans to introduce several more contests in 2019 to showcase the way its technology is transforming how music is created and enjoyed.
For more information about the company and its future business goals, go to digitraxentertainment.com.
Ref: Bands - in Blogs
With the introduction of KR38R Beats, a unique AI product specifically geared to the hip-hop artist, DigiTrax recognizes the importance of hip-hop music and how it is a great fit for AI technology. The company has paired with Spotlite, a popular and established singing performance app, to create "Rapping with the Robot," a contest for aspiring hip-hop artists.
The contest is scheduled to begin on Thanksgiving Day and end on New Year's Eve.
Prizes include an all-expenses-paid recording session, with professional production and distribution across all major platforms.
"We focused our AI on the most relevant segment of music in today's streaming economy," says Joe Vangieri, CEO of DigiTrax Entertainment.
"Hip-hop beats comprise one out of every three streams, and generate billions in revenue."
The KR38R Beats product is based on the Music Builder program, DigiTrax's unique and innovative technology that helps artists harness the power of artificial intelligence. Artists can feed ideas into the program, which then serves as a composing partner and allows them to create more songs more quickly.
Spotlite is a free, direct-to-fan singing app designed to allow amateur and professional vocalists to sing original music, covers, and karaoke across all musical genres.
"As a fan, you used to go out and buy CDs to support your favorite artist," says Juan Munoz, general manager of Spotlite Media.
"With the change in how fans ingest content, Spotlite has not only allowed fans a new way to directly support their favorite artists, but the fans become the tastemakers. Through our contests, fans tell us who should truly be recognized for their talent," he explains.
Other benefits of using artificial intelligence in creating original hip-hop music include greater profitability and protection for the users under copyright law.
"Because we own both the publishing and the sound recording that our AI has written," Vangieri explains, "this gives us free reign to fully exploit both sides of a song - the publishing and the sound recording."
DigiTrax plans to introduce several more contests in 2019 to showcase the way its technology is transforming how music is created and enjoyed.
For more information about the company and its future business goals, go to digitraxentertainment.com.
Ref: Bands - in Blogs
(NewsUSA) - DigiTrax Entertainment, a pioneer in the music technology industry, brings its artificial intelligence (AI) expertise to the popular hip-hop segment.<br />
<br />
With the introduction of KR38R Beats, a unique AI product specifically geared to the hip-hop artist, DigiTrax recognizes the importance of hip-hop music and how it is a great fit for AI technology. The company has paired with Spotlite, a popular and established singing performance app, to create "Rapping with the Robot," a contest for aspiring hip-hop artists.<br />
<br />
The contest is scheduled to begin on Thanksgiving Day and end on New Year's Eve.<br />
<br />
Prizes include an all-expenses-paid recording session, with professional production and distribution across all major platforms.<br />
<br />
"We focused our AI on the most relevant segment of music in today's streaming economy," says Joe Vangieri, CEO of DigiTrax Entertainment.<br />
<br />
"Hip-hop beats comprise one out of every three streams, and generate billions in revenue."<br />
<br />
The KR38R Beats product is based on the Music Builder program, DigiTrax's unique and innovative technology that helps artists harness the power of artificial intelligence. Artists can feed ideas into the program, which then serves as a composing partner and allows them to create more songs more quickly.<br />
<br />
Spotlite is a free, direct-to-fan singing app designed to allow amateur and professional vocalists to sing original music, covers, and karaoke across all musical genres.<br />
<br />
"As a fan, you used to go out and buy CDs to support your favorite artist," says Juan Munoz, general manager of Spotlite Media.<br />
<br />
"With the change in how fans ingest content, Spotlite has not only allowed fans a new way to directly support their favorite artists, but the fans become the tastemakers. Through our contests, fans tell us who should truly be recognized for their talent," he explains.<br />
<br />
Other benefits of using artificial intelligence in creating original hip-hop music include greater profitability and protection for the users under copyright law.<br />
<br />
"Because we own both the publishing and the sound recording that our AI has written," Vangieri explains, "this gives us free reign to fully exploit both sides of a song - the publishing and the sound recording."<br />
<br />
DigiTrax plans to introduce several more contests in 2019 to showcase the way its technology is transforming how music is created and enjoyed.<br />
<br />
For more information about the company and its future business goals, go to digitraxentertainment.com.<br />
<br />
Ref: Bands - in Blogs
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Alesha Bradigan momoftwo24
I sit here
all alone
Empty rooms
Quietness
Other than the whirring of a fan
No screaming of a young child playing
No cooing of a happy baby
Whirr whirr whirr
Which once was a house full of love and joy
Now feels like a nightmare I cant escape
Wishing
Hoping
Dreaming
That one day ill have that back again
The coos
The screams
The noises that irritate most parents are the ones I long for the most
The endless cuddles
The mommy mommy mommy
I just want it all back
I want a reason to get out of bed and do something
The darkness with them gone keeps closing in and I feel like it will never end
I feel like those coos
Those screams
Those giggles
Those cuddles
Those cries
Will never come back
I feel like the life im living now
Visiting my own kids like theyre my niece and nephew will never end
I've thought of burning cutting smoking drinking anything to concrete that pain and maybe just maybe take it all away
but I know if I do the pain will never go away because it may be the thing that takes it away forever
Those cries
Those coos
Those screams
Those giggles
Would never come back
So I sit here listening to the whirr of the fan hoping that one of these days that whirr isn't the only thing to fill these rooms
Category: Reading - in Blogs
Category: Reading - in Blogs
all alone
Empty rooms
Quietness
Other than the whirring of a fan
No screaming of a young child playing
No cooing of a happy baby
Whirr whirr whirr
Which once was a house full of love and joy
Now feels like a nightmare I cant escape
Wishing
Hoping
Dreaming
That one day ill have that back again
The coos
The screams
The noises that irritate most parents are the ones I long for the most
The endless cuddles
The mommy mommy mommy
I just want it all back
I want a reason to get out of bed and do something
The darkness with them gone keeps closing in and I feel like it will never end
I feel like those coos
Those screams
Those giggles
Those cuddles
Those cries
Will never come back
I feel like the life im living now
Visiting my own kids like theyre my niece and nephew will never end
I've thought of burning cutting smoking drinking anything to concrete that pain and maybe just maybe take it all away
but I know if I do the pain will never go away because it may be the thing that takes it away forever
Those cries
Those coos
Those screams
Those giggles
Would never come back
So I sit here listening to the whirr of the fan hoping that one of these days that whirr isn't the only thing to fill these rooms
Category: Reading - in Blogs
Category: Reading - in Blogs
I sit here <br />
all alone <br />
Empty rooms<br />
Quietness<br />
Other than the whirring of a fan<br />
No screaming of a young child playing<br />
No cooing of a happy baby <br />
Whirr whirr whirr <br />
Which once was a house full of love and joy<br />
Now feels like a nightmare I cant escape<br />
Wishing<br />
Hoping<br />
Dreaming<br />
That one day ill have that back again<br />
The coos<br />
The screams<br />
The noises that irritate most parents are the ones I long for the most <br />
The endless cuddles <br />
The mommy mommy mommy<br />
I just want it all back<br />
I want a reason to get out of bed and do something <br />
The darkness with them gone keeps closing in and I feel like it will never end <br />
I feel like those coos<br />
Those screams <br />
Those giggles <br />
Those cuddles <br />
Those cries <br />
Will never come back<br />
I feel like the life im living now <br />
Visiting my own kids like theyre my niece and nephew will never end <br />
I've thought of burning cutting smoking drinking anything to concrete that pain and maybe just maybe take it all away<br />
but I know if I do the pain will never go away because it may be the thing that takes it away forever<br />
Those cries<br />
Those coos <br />
Those screams <br />
Those giggles <br />
Would never come back <br />
So I sit here listening to the whirr of the fan hoping that one of these days that whirr isn't the only thing to fill these rooms<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: Reading - 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: Reading - in Blogs</span>
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