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- Thurman WilliamsonThurman_Williamson - posted recentlyI want to collaborate!I want to collaborate!
GalaxyCrew GalaxyCrew
GalaxyCrew is a leading boutique for everything related to watches. Be it gala, sport, luxury, and ultra-luxury, we've got you covered. We have stores in every country in the world. Visit us to try out your next watch.
What we need
We're looking for influencers in order to grow our customer base. We need you to post a permanent story to show our watches and brand name to your followers. We'll send you $1000.00, or 100,000 gift-points once the post is done. If you're interested, simply say you're Interested in a comment below this post.
CONDITIONS
Audience
United-States, UK, Australia
Language
English
Channels
Lifestyle, Fashion, Beauty, Travel
Minimum Followers
1000
Age Group
18-65
Genders
Any
Post Type
1 Permanent Story With Image
Pay Per Post Amount in Money
$1000.00
Pay Per Post in Points. 100 Points = $1.00
100,000
Commission Per Sale
$0
Item Shipped For Review
None
Must Create a New Creative From Scratch
Yes
Must Use The Images And Video Supplied
No
Must Follow Some Specific Guidelines
No
Must Avoid Saying or Showing Specific Things
No
Content Must Be Approved Before Posting
No
Delivery Delay in Days
5 Business day
Delivery Exact Date
None
Our Website URL
JRider
Category: Influencer Marketing Offers - in Marketing
What we need
We're looking for influencers in order to grow our customer base. We need you to post a permanent story to show our watches and brand name to your followers. We'll send you $1000.00, or 100,000 gift-points once the post is done. If you're interested, simply say you're Interested in a comment below this post.
CONDITIONS
Audience
United-States, UK, Australia
Language
English
Channels
Lifestyle, Fashion, Beauty, Travel
Minimum Followers
1000
Age Group
18-65
Genders
Any
Post Type
1 Permanent Story With Image
Pay Per Post Amount in Money
$1000.00
Pay Per Post in Points. 100 Points = $1.00
100,000
Commission Per Sale
$0
Item Shipped For Review
None
Must Create a New Creative From Scratch
Yes
Must Use The Images And Video Supplied
No
Must Follow Some Specific Guidelines
No
Must Avoid Saying or Showing Specific Things
No
Content Must Be Approved Before Posting
No
Delivery Delay in Days
5 Business day
Delivery Exact Date
None
Our Website URL
JRider
Category: Influencer Marketing Offers - in Marketing
GalaxyCrew is a leading boutique for everything related to watches. Be it gala, sport, luxury, and ultra-luxury, we've got you covered. We have stores in every country in the world. Visit us to try out your next watch. <br />
<br />
What we need<br />
<br />
We're looking for influencers in order to grow our customer base. We need you to post a permanent story to show our watches and brand name to your followers. We'll send you $1000.00, or 100,000 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 />
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 />
1 Permanent Story With Image<br />
<br />
Pay Per Post Amount in Money<br />
$1000.00<br />
<br />
Pay Per Post in Points. 100 Points = $1.00<br />
100,000<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/Galaxycrew">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>
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Millie Zemlak Millie_Zemlak
(NewsUSA) - Sponsored News - It seems as if there is nothing a smartphone can't do these days. It can get you where you want to go (most of the time), you can make reservations at your favorite restaurant, and now you can use it to detect whether your home is leaking energy or water.
Thermal imaging, a once-costly technology, available only to the military and police or firefighters, is now just a finger-swipe away with the right attachment to your smartphone, thanks to Seek Thermal, a California-based technology company.
The way it works is this: the Seek Compact Camera (which is smaller than a credit card swiper for your phone) attaches to your smartphone, turning it into a thermal imager that can then identify hot and cold spots in your house. After downloading a free app, the camera begins working in seconds and homeowners can then easily spot energy loss in the home caused by air leaks, missing or damaged insulation, insufficient HVAC or poor construction. In addition, the thermal imaging camera can also find water in roofs, walls, doors, and window frames.
According to one user who tested the Seek camera at the end of winter in his own home, the results were "stunning."
"Within minutes, I was able to detect sources of heat leaking out of my house," he says. "Some of these places are easy to fix, while others would be quite difficult."
For professional contractors, the Seek CompactPRO is a must-have because the camera has enough sensitivity to locate radiant heating pipes under concrete slabs, identify unsealed insulation gaps in roofs, walls, and door and window frames, and find out how far water has spread in the case of a leak.
Thinking of buying a home? This little jewel could save you all kinds of unexpected surprises in the form of water leaks in the basement and behind finished walls, and roof leaks that may have been painted over by a homeowner trying to disguise a problem.
To protect your investment (both the camera and your phone), the Seek Compact has a compatible module for the OtterBox uniVERSE Case System.
The smartphone attachment is designed to work with both iPhone and Android top models.
For more information, please visit www.thermal.com.
Ref: Awesome - in Blogs
Thermal imaging, a once-costly technology, available only to the military and police or firefighters, is now just a finger-swipe away with the right attachment to your smartphone, thanks to Seek Thermal, a California-based technology company.
The way it works is this: the Seek Compact Camera (which is smaller than a credit card swiper for your phone) attaches to your smartphone, turning it into a thermal imager that can then identify hot and cold spots in your house. After downloading a free app, the camera begins working in seconds and homeowners can then easily spot energy loss in the home caused by air leaks, missing or damaged insulation, insufficient HVAC or poor construction. In addition, the thermal imaging camera can also find water in roofs, walls, doors, and window frames.
According to one user who tested the Seek camera at the end of winter in his own home, the results were "stunning."
"Within minutes, I was able to detect sources of heat leaking out of my house," he says. "Some of these places are easy to fix, while others would be quite difficult."
For professional contractors, the Seek CompactPRO is a must-have because the camera has enough sensitivity to locate radiant heating pipes under concrete slabs, identify unsealed insulation gaps in roofs, walls, and door and window frames, and find out how far water has spread in the case of a leak.
Thinking of buying a home? This little jewel could save you all kinds of unexpected surprises in the form of water leaks in the basement and behind finished walls, and roof leaks that may have been painted over by a homeowner trying to disguise a problem.
To protect your investment (both the camera and your phone), the Seek Compact has a compatible module for the OtterBox uniVERSE Case System.
The smartphone attachment is designed to work with both iPhone and Android top models.
For more information, please visit www.thermal.com.
Ref: Awesome - in Blogs
(NewsUSA) - Sponsored News - It seems as if there is nothing a smartphone can't do these days. It can get you where you want to go (most of the time), you can make reservations at your favorite restaurant, and now you can use it to detect whether your home is leaking energy or water.<br />
<br />
Thermal imaging, a once-costly technology, available only to the military and police or firefighters, is now just a finger-swipe away with the right attachment to your smartphone, thanks to Seek Thermal, a California-based technology company.<br />
<br />
The way it works is this: the Seek Compact Camera (which is smaller than a credit card swiper for your phone) attaches to your smartphone, turning it into a thermal imager that can then identify hot and cold spots in your house. After downloading a free app, the camera begins working in seconds and homeowners can then easily spot energy loss in the home caused by air leaks, missing or damaged insulation, insufficient HVAC or poor construction. In addition, the thermal imaging camera can also find water in roofs, walls, doors, and window frames.<br />
<br />
According to one user who tested the Seek camera at the end of winter in his own home, the results were "stunning."<br />
<br />
"Within minutes, I was able to detect sources of heat leaking out of my house," he says. "Some of these places are easy to fix, while others would be quite difficult."<br />
<br />
For professional contractors, the Seek CompactPRO is a must-have because the camera has enough sensitivity to locate radiant heating pipes under concrete slabs, identify unsealed insulation gaps in roofs, walls, and door and window frames, and find out how far water has spread in the case of a leak.<br />
<br />
Thinking of buying a home? This little jewel could save you all kinds of unexpected surprises in the form of water leaks in the basement and behind finished walls, and roof leaks that may have been painted over by a homeowner trying to disguise a problem.<br />
<br />
To protect your investment (both the camera and your phone), the Seek Compact has a compatible module for the OtterBox uniVERSE Case System.<br />
<br />
The smartphone attachment is designed to work with both iPhone and Android top models.<br />
<br />
For more information, please visit www.thermal.com. <br />
<br />
Ref: Awesome - in Blogs
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Aric Feeney Aric_Feeney
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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Samuel Chi-divine ic_sammie
Bent in Heaven's Twist
I wear a smile, a fragile disguise
A mask that hides, the tears I've cried
The heavens twist, in a cruel design
A fate that's sealed, yet I'm left to redefine
In heavenly design, I'm lost in pain
A twist of fate, that drives me insane
The stars align, yet I'm still unsure
A celestial guide, that's hard to endure
I'm bent and broken, in a world so grand
A fragile soul, in a body so unplanned
The heavens whisper, "You're strong and free"
But I'm trapped in doubts, that haunt me relentlessly
I search for answers, in the darkest night
A glimmer of hope, that shines with all its might
But the twist of fate, it plays a cruel game
Leaving me shattered, with a heart that's tamed
In twisted threads, I'm woven with flaws
A fragile fabric, with scars that never fade
The heavens bend, in a mysterious spin
A divine irony, that I'm forced to give in
I'm a paradox, of strength and weakness combined
A human heart, that's constantly redefined
The twist of heaven's hand, a mysterious fate
A life that's unpredictable, with moments that create
I yearn for solace, in the chaos and strife
A peaceful haven, where I can be alive
But the heavens twist, in a celestial rhyme
A melody of pain, that echoes through my prime
In this twisted world, I'm searching for a light
A guiding star, that shines through the darkest night
A beacon of hope, that leads me to the shore
Where I can find peace, and be forever more.
Category: Writing - in Blogs
I wear a smile, a fragile disguise
A mask that hides, the tears I've cried
The heavens twist, in a cruel design
A fate that's sealed, yet I'm left to redefine
In heavenly design, I'm lost in pain
A twist of fate, that drives me insane
The stars align, yet I'm still unsure
A celestial guide, that's hard to endure
I'm bent and broken, in a world so grand
A fragile soul, in a body so unplanned
The heavens whisper, "You're strong and free"
But I'm trapped in doubts, that haunt me relentlessly
I search for answers, in the darkest night
A glimmer of hope, that shines with all its might
But the twist of fate, it plays a cruel game
Leaving me shattered, with a heart that's tamed
In twisted threads, I'm woven with flaws
A fragile fabric, with scars that never fade
The heavens bend, in a mysterious spin
A divine irony, that I'm forced to give in
I'm a paradox, of strength and weakness combined
A human heart, that's constantly redefined
The twist of heaven's hand, a mysterious fate
A life that's unpredictable, with moments that create
I yearn for solace, in the chaos and strife
A peaceful haven, where I can be alive
But the heavens twist, in a celestial rhyme
A melody of pain, that echoes through my prime
In this twisted world, I'm searching for a light
A guiding star, that shines through the darkest night
A beacon of hope, that leads me to the shore
Where I can find peace, and be forever more.
Category: Writing - in Blogs
Bent in Heaven's Twist<br />
<br />
I wear a smile, a fragile disguise<br />
A mask that hides, the tears I've cried<br />
The heavens twist, in a cruel design<br />
A fate that's sealed, yet I'm left to redefine<br />
<br />
In heavenly design, I'm lost in pain<br />
A twist of fate, that drives me insane<br />
The stars align, yet I'm still unsure<br />
A celestial guide, that's hard to endure<br />
<br />
I'm bent and broken, in a world so grand<br />
A fragile soul, in a body so unplanned<br />
The heavens whisper, "You're strong and free"<br />
But I'm trapped in doubts, that haunt me relentlessly<br />
<br />
I search for answers, in the darkest night<br />
A glimmer of hope, that shines with all its might<br />
But the twist of fate, it plays a cruel game<br />
Leaving me shattered, with a heart that's tamed<br />
<br />
In twisted threads, I'm woven with flaws<br />
A fragile fabric, with scars that never fade<br />
The heavens bend, in a mysterious spin<br />
A divine irony, that I'm forced to give in<br />
<br />
I'm a paradox, of strength and weakness combined<br />
A human heart, that's constantly redefined<br />
The twist of heaven's hand, a mysterious fate<br />
A life that's unpredictable, with moments that create<br />
<br />
I yearn for solace, in the chaos and strife<br />
A peaceful haven, where I can be alive<br />
But the heavens twist, in a celestial rhyme<br />
A melody of pain, that echoes through my prime<br />
<br />
In this twisted world, I'm searching for a light<br />
A guiding star, that shines through the darkest night<br />
A beacon of hope, that leads me to the shore<br />
Where I can find peace, and be forever more.<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: Writing - in Blogs</span>
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Millie Zemlak Millie_Zemlak
(NewsUSA) - In periods of change, we often find comfort in simple pleasures. A great burger is one of them.
Yet, some of those simple pleasures have been compromised by the dramatic changes caused by COVID-19, including the disruption of the animal meat industry. Meat plants are closing, causing meat to be harder to find and its prices to rise. Some grocers are limiting the amount of meat shoppers can buy to curb pantry loading.
I know these issues will be resolved as the pandemic subsides. The animal meat industry will recover, and supply chains will be restored. But right now, you may be asking: What do I do without meat?
Now is the time to try plant-based protein. Made from simple ingredients you know, Lightlife plant-based meat is as nutritious as it is delicious. And you can find the products in your grocer's meat case.
To be clear, I'm not against the animal meat industry. I believe we're all trying to solve the same complex challenge: how to feed Americans during this pandemic. But I do believe no diet should be entirely dependent on animal meat. That's why Lightlife is committed to delivering plant-based protein throughout the country to ensure as many people as possible have access to the food they need.
At Lightlife, we're not asking you to give up animal meat. If you want to eat meat, eat meat. But we believe you should also eat plants: whole plants and plant-based protein. That's why we strive to bring more high-protein options to your table. Fortunately, the trend toward eating more plant-based protein began well before COVID-19, driven by a desire for more balance and variety in our diets, as evidenced by the fact that 44 percent of Americans now describe themselves as flexitarian.
In fact, Lightlife sales were up significantly in the first quarter of 2020. And longer term, the plant-based meat category is expected to grow exponentially, with the Good Food Institute predicting a threefold increase in the number of American households regularly purchasing plant-based protein1.
The reality is it takes a little more work these days to make a good burger, even the ones we make with simple ingredients. I want you to know that we're committed to your dinner table. And your lunch table. And if you want a burger for breakfast, your breakfast table, too.
I am so proud of our production teams working around the clock to ensure our products are available at your local grocer. To ensure their health and safety, we have taken additional steps including social distancing wherever possible, daily temperature checks and health screenings, face coverings, increased sanitation efforts, and staggered breaks and start times to reduce the potential for congestion. This is in addition to the sanitation procedures our team is already accustomed to, and the variety of Personal Protective Equipment (PPE) we routinely wear.
This is all part of our dedication to getting high-quality, plant-based protein to your tables. Because whether your burger is made from ground beef or plant-based ingredients, a good burger is something we can all agree on. And I believe that together, we will celebrate that simple pleasure once again.
Ref: Diet - in Blogs
Yet, some of those simple pleasures have been compromised by the dramatic changes caused by COVID-19, including the disruption of the animal meat industry. Meat plants are closing, causing meat to be harder to find and its prices to rise. Some grocers are limiting the amount of meat shoppers can buy to curb pantry loading.
I know these issues will be resolved as the pandemic subsides. The animal meat industry will recover, and supply chains will be restored. But right now, you may be asking: What do I do without meat?
Now is the time to try plant-based protein. Made from simple ingredients you know, Lightlife plant-based meat is as nutritious as it is delicious. And you can find the products in your grocer's meat case.
To be clear, I'm not against the animal meat industry. I believe we're all trying to solve the same complex challenge: how to feed Americans during this pandemic. But I do believe no diet should be entirely dependent on animal meat. That's why Lightlife is committed to delivering plant-based protein throughout the country to ensure as many people as possible have access to the food they need.
At Lightlife, we're not asking you to give up animal meat. If you want to eat meat, eat meat. But we believe you should also eat plants: whole plants and plant-based protein. That's why we strive to bring more high-protein options to your table. Fortunately, the trend toward eating more plant-based protein began well before COVID-19, driven by a desire for more balance and variety in our diets, as evidenced by the fact that 44 percent of Americans now describe themselves as flexitarian.
In fact, Lightlife sales were up significantly in the first quarter of 2020. And longer term, the plant-based meat category is expected to grow exponentially, with the Good Food Institute predicting a threefold increase in the number of American households regularly purchasing plant-based protein1.
The reality is it takes a little more work these days to make a good burger, even the ones we make with simple ingredients. I want you to know that we're committed to your dinner table. And your lunch table. And if you want a burger for breakfast, your breakfast table, too.
I am so proud of our production teams working around the clock to ensure our products are available at your local grocer. To ensure their health and safety, we have taken additional steps including social distancing wherever possible, daily temperature checks and health screenings, face coverings, increased sanitation efforts, and staggered breaks and start times to reduce the potential for congestion. This is in addition to the sanitation procedures our team is already accustomed to, and the variety of Personal Protective Equipment (PPE) we routinely wear.
This is all part of our dedication to getting high-quality, plant-based protein to your tables. Because whether your burger is made from ground beef or plant-based ingredients, a good burger is something we can all agree on. And I believe that together, we will celebrate that simple pleasure once again.
Ref: Diet - in Blogs
(NewsUSA) - In periods of change, we often find comfort in simple pleasures. A great burger is one of them.<br />
<br />
Yet, some of those simple pleasures have been compromised by the dramatic changes caused by COVID-19, including the disruption of the animal meat industry. Meat plants are closing, causing meat to be harder to find and its prices to rise. Some grocers are limiting the amount of meat shoppers can buy to curb pantry loading.<br />
<br />
I know these issues will be resolved as the pandemic subsides. The animal meat industry will recover, and supply chains will be restored. But right now, you may be asking: What do I do without meat?<br />
<br />
Now is the time to try plant-based protein. Made from simple ingredients you know, Lightlife plant-based meat is as nutritious as it is delicious. And you can find the products in your grocer's meat case.<br />
<br />
To be clear, I'm not against the animal meat industry. I believe we're all trying to solve the same complex challenge: how to feed Americans during this pandemic. But I do believe no diet should be entirely dependent on animal meat. That's why Lightlife is committed to delivering plant-based protein throughout the country to ensure as many people as possible have access to the food they need.<br />
<br />
At Lightlife, we're not asking you to give up animal meat. If you want to eat meat, eat meat. But we believe you should also eat plants: whole plants and plant-based protein. That's why we strive to bring more high-protein options to your table. Fortunately, the trend toward eating more plant-based protein began well before COVID-19, driven by a desire for more balance and variety in our diets, as evidenced by the fact that 44 percent of Americans now describe themselves as flexitarian.<br />
<br />
In fact, Lightlife sales were up significantly in the first quarter of 2020. And longer term, the plant-based meat category is expected to grow exponentially, with the Good Food Institute predicting a threefold increase in the number of American households regularly purchasing plant-based protein1.<br />
<br />
The reality is it takes a little more work these days to make a good burger, even the ones we make with simple ingredients. I want you to know that we're committed to your dinner table. And your lunch table. And if you want a burger for breakfast, your breakfast table, too.<br />
<br />
I am so proud of our production teams working around the clock to ensure our products are available at your local grocer. To ensure their health and safety, we have taken additional steps including social distancing wherever possible, daily temperature checks and health screenings, face coverings, increased sanitation efforts, and staggered breaks and start times to reduce the potential for congestion. This is in addition to the sanitation procedures our team is already accustomed to, and the variety of Personal Protective Equipment (PPE) we routinely wear.<br />
<br />
This is all part of our dedication to getting high-quality, plant-based protein to your tables. Because whether your burger is made from ground beef or plant-based ingredients, a good burger is something we can all agree on. And I believe that together, we will celebrate that simple pleasure once again.<br />
<br />
Ref: Diet - in Blogs
Read more
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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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Ava Roberts avaroberts
Why do people put pressure on others to be themselves then get mad when they do just that? What's meant by "be yourself" if it's not meant to be something to encourage others to be more genuine rather than pretending to socialize the same ways as everyone else?
Every time I'm told to be myself, I genuinely don't know what's expected of me. Do people want me to fit in with normal behaviors? If that's the meaning, then don't tell me to be myself, because I'm nothing close to normal.
Me being myself is me explaining that I read Atlas Shrugged because of the fact most of the plot revolves around saving train companies from collapsing under the financial ruin of the country, not because of the commentary on Communism being bad, because I already knew that it didn't work, so I didn't need the politics of it.
Me being myself is rambling about how the Marvel Cinematic Universe and the Doctor Who Universe makes sense together because they both have moments of time travel, the Stark Tower from the MCU got reused as UNIT Headquarters in Doctor Who, and they'd all get along if they met because they're fighting to save reality day in and day out. There's more in-depth reasons, but I'll spare the details for now.
Me being myself is me being goofy and nerdy, not fitting in to a social standard that doesn't make sense to me. If I wanted to know if the weather was nice, I wouldn't ask someone who has a different perspective on what nice weather is, as I'm the odd one to prefer rain over sun, I'll just look out a window.
All of that to say I don't understand why people say to just be myself then get upset if I'm too nerdy for them. If you ask for it, don't be surprised and angry that you got it.
Category: Discussion - in Blogs
Category: Discussion - in Blogs
Every time I'm told to be myself, I genuinely don't know what's expected of me. Do people want me to fit in with normal behaviors? If that's the meaning, then don't tell me to be myself, because I'm nothing close to normal.
Me being myself is me explaining that I read Atlas Shrugged because of the fact most of the plot revolves around saving train companies from collapsing under the financial ruin of the country, not because of the commentary on Communism being bad, because I already knew that it didn't work, so I didn't need the politics of it.
Me being myself is rambling about how the Marvel Cinematic Universe and the Doctor Who Universe makes sense together because they both have moments of time travel, the Stark Tower from the MCU got reused as UNIT Headquarters in Doctor Who, and they'd all get along if they met because they're fighting to save reality day in and day out. There's more in-depth reasons, but I'll spare the details for now.
Me being myself is me being goofy and nerdy, not fitting in to a social standard that doesn't make sense to me. If I wanted to know if the weather was nice, I wouldn't ask someone who has a different perspective on what nice weather is, as I'm the odd one to prefer rain over sun, I'll just look out a window.
All of that to say I don't understand why people say to just be myself then get upset if I'm too nerdy for them. If you ask for it, don't be surprised and angry that you got it.
Category: Discussion - in Blogs
Category: Discussion - in Blogs
Why do people put pressure on others to be themselves then get mad when they do just that? What's meant by "be yourself" if it's not meant to be something to encourage others to be more genuine rather than pretending to socialize the same ways as everyone else? <br />
<br />
Every time I'm told to be myself, I genuinely don't know what's expected of me. Do people want me to fit in with normal behaviors? If that's the meaning, then don't tell me to be myself, because I'm nothing close to normal.<br />
<br />
Me being myself is me explaining that I read Atlas Shrugged because of the fact most of the plot revolves around saving train companies from collapsing under the financial ruin of the country, not because of the commentary on Communism being bad, because I already knew that it didn't work, so I didn't need the politics of it. <br />
<br />
Me being myself is rambling about how the Marvel Cinematic Universe and the Doctor Who Universe makes sense together because they both have moments of time travel, the Stark Tower from the MCU got reused as UNIT Headquarters in Doctor Who, and they'd all get along if they met because they're fighting to save reality day in and day out. There's more in-depth reasons, but I'll spare the details for now. <br />
<br />
Me being myself is me being goofy and nerdy, not fitting in to a social standard that doesn't make sense to me. If I wanted to know if the weather was nice, I wouldn't ask someone who has a different perspective on what nice weather is, as I'm the odd one to prefer rain over sun, I'll just look out a window. <br />
<br />
All of that to say I don't understand why people say to just be myself then get upset if I'm too nerdy for them. If you ask for it, don't be surprised and angry that you got it.<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: Discussion - 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: Discussion - in Blogs</span>
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Millie Zemlak Millie_Zemlak
(NewsUSA) - When business giants Target, Home Depot and Sony got hacked, and personal information was compromised, data security, once again, became a hot topic and household word.
Sure, you know you need to do more to shield your identity, but let's face it, you can only do so much to protect yourself, and even that is reliant on other people or companies. Unfortunately, these same entities can clearly be careless.
When people aren't careful, the Internet can become a playground for criminal activity. Whether you're checking your email, banking information or doing some online shopping, you have already put yourself at risk of having your identity stolen.
Criminals have developed several ways to obtain personal data from innocent Internet users. According to the United States Department of Justice, cyber criminals can take over an individual's identity to conduct a wide range of crimes. Criminals like to make fraudulent withdrawals from bank accounts because victims usually don't become aware of the criminal activity until substantial and irreversible damage has already been done.
Enter Gabriel, a set of secure communication apps derived from a U.S. Department of Defense project and created by VirnetX, an Internet security software and technology company.
Gabriel transmits information using automatic virtual private networks with military-grade encryption. Think Cryptograms.
"Gabriel has been designed and built with personal privacy and security as a foundational principle," says Dr. Robert Short, VirnetX Chief Technical Officer and Chief Scientist. "As a result, Gabriel provides uncompromising data security? users do not have to transmit data to, or store data with, any third party, including VirnetX. Users can therefore rest easy that their data is stored only on their devices."
Other benefits from using Gabriel include:
* Making free voice or video calls or sending instant messages to other Gabriel members in your network.
* Receiving spamless e-mail.
* Allowing for person-to-person messages that disappear once the session has ended.
* Sharing pictures or files with other trusted Gabriel users in your network directly from your personal device.
All of the above is done with other members of your network with the assurance that the transmissions are secured with end-to-end encryption.
Simply put, Gabriel makes your online communications invisible. Think of it this way: if the bad guys can't see you, they can't attack you.
Gabriel is free to try. For more information, please visit www.gabrielsecure.com.
Ref: Computers - in Blogs
Sure, you know you need to do more to shield your identity, but let's face it, you can only do so much to protect yourself, and even that is reliant on other people or companies. Unfortunately, these same entities can clearly be careless.
When people aren't careful, the Internet can become a playground for criminal activity. Whether you're checking your email, banking information or doing some online shopping, you have already put yourself at risk of having your identity stolen.
Criminals have developed several ways to obtain personal data from innocent Internet users. According to the United States Department of Justice, cyber criminals can take over an individual's identity to conduct a wide range of crimes. Criminals like to make fraudulent withdrawals from bank accounts because victims usually don't become aware of the criminal activity until substantial and irreversible damage has already been done.
Enter Gabriel, a set of secure communication apps derived from a U.S. Department of Defense project and created by VirnetX, an Internet security software and technology company.
Gabriel transmits information using automatic virtual private networks with military-grade encryption. Think Cryptograms.
"Gabriel has been designed and built with personal privacy and security as a foundational principle," says Dr. Robert Short, VirnetX Chief Technical Officer and Chief Scientist. "As a result, Gabriel provides uncompromising data security? users do not have to transmit data to, or store data with, any third party, including VirnetX. Users can therefore rest easy that their data is stored only on their devices."
Other benefits from using Gabriel include:
* Making free voice or video calls or sending instant messages to other Gabriel members in your network.
* Receiving spamless e-mail.
* Allowing for person-to-person messages that disappear once the session has ended.
* Sharing pictures or files with other trusted Gabriel users in your network directly from your personal device.
All of the above is done with other members of your network with the assurance that the transmissions are secured with end-to-end encryption.
Simply put, Gabriel makes your online communications invisible. Think of it this way: if the bad guys can't see you, they can't attack you.
Gabriel is free to try. For more information, please visit www.gabrielsecure.com.
Ref: Computers - in Blogs
(NewsUSA) - When business giants Target, Home Depot and Sony got hacked, and personal information was compromised, data security, once again, became a hot topic and household word.<br />
<br />
Sure, you know you need to do more to shield your identity, but let's face it, you can only do so much to protect yourself, and even that is reliant on other people or companies. Unfortunately, these same entities can clearly be careless.<br />
<br />
When people aren't careful, the Internet can become a playground for criminal activity. Whether you're checking your email, banking information or doing some online shopping, you have already put yourself at risk of having your identity stolen.<br />
<br />
Criminals have developed several ways to obtain personal data from innocent Internet users. According to the United States Department of Justice, cyber criminals can take over an individual's identity to conduct a wide range of crimes. Criminals like to make fraudulent withdrawals from bank accounts because victims usually don't become aware of the criminal activity until substantial and irreversible damage has already been done.<br />
<br />
Enter Gabriel, a set of secure communication apps derived from a U.S. Department of Defense project and created by VirnetX, an Internet security software and technology company.<br />
<br />
Gabriel transmits information using automatic virtual private networks with military-grade encryption. Think Cryptograms.<br />
<br />
"Gabriel has been designed and built with personal privacy and security as a foundational principle," says Dr. Robert Short, VirnetX Chief Technical Officer and Chief Scientist. "As a result, Gabriel provides uncompromising data security? users do not have to transmit data to, or store data with, any third party, including VirnetX. Users can therefore rest easy that their data is stored only on their devices."<br />
<br />
Other benefits from using Gabriel include:<br />
<br />
* Making free voice or video calls or sending instant messages to other Gabriel members in your network.<br />
<br />
* Receiving spamless e-mail.<br />
<br />
* Allowing for person-to-person messages that disappear once the session has ended.<br />
<br />
* Sharing pictures or files with other trusted Gabriel users in your network directly from your personal device.<br />
<br />
All of the above is done with other members of your network with the assurance that the transmissions are secured with end-to-end encryption.<br />
<br />
Simply put, Gabriel makes your online communications invisible. Think of it this way: if the bad guys can't see you, they can't attack you.<br />
<br />
Gabriel is free to try. For more information, please visit www.gabrielsecure.com.<br />
<br />
Ref: Computers - in Blogs
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