Welcome to Twister, the only agency you'll need to travel around the world. From flight reservations to tour guide, and from Alaska to Jamaica, we have it all, and at a very special price. Please visit us to learn more. <br /> <br /> What we need<br /> <br /> We're looking for influencers to help us attract new customers worldwide. We need you to post invitations on social media to invite followers to visit our website via a 15 second video. 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 /> Worldwide<br /> <br /> Language<br /> Any<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 /> 15 Second Video<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/Twister">Twister</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>

(NewsUSA) - The days of using a stick, some string and a worm are as much a part of American culture as apple pie and baseball. Unlike that time, there are now many choices for anglers this spring, depending on where you'll be fishing.<br /> <br /> In fact, selecting your gear is half the fun. But for starters, set aside the rods, reels, rigs, jigs and tackle, it's also just as important to remember these items that are often overlooked:<br /> <br /> * Use sunscreen. You only have to suffer from sun poisoning one time to understand the relationship between sun and water. While the water may be cold and temperatures out-side chilly, sun reflecting off the water will still give you a burn. A sweat proof sunscreen that won't run and sting the eyes is ideal, as is one that won't leave a greasy residue that could adversely affect your grip.<br /> <br /> * Wear a base layer. A thin T-shirt is a must as a base layer, better if it is made of fabric that wicks away moisture. There are even some that are made to be water repellent and stain resistant with anti-odor properties for those in warmer climes. Since this is the layer that is in direct contact with your skin, you want something that will allow moisture to escape as you sweat.<br /> <br /> * Find the right pants. Spring days on the water are usually an all-day event, and call for versatility in your clothing. To that point, pants that convert to shorts are ideal. Like shirts, pants should be stain-resistant. Additionally, the pants should have plenty of pockets (with zippers) to carry anything extra. If you don't have access to a boat or dock, extend your fishing range with a good pair of fishing waders.<br /> <br /> * Cover your head. Hats with a hard-hat liner will keep your neck, ears and head warm in cold weather. For warmer climates, a wide-brimmed hat will guard against sunburn, overheating and overexposure.<br /> <br /> * Bring the extras. This could include a life vest, cooler or, if you happen to be a smokeless tobacco user, a portable spittoon like those offered by Flasr. The Atlanta-based company prides itself on creating the first-of-its-kind portable spittoon that is small enough to fit in your pocket and carry along wherever you go -- whether it's fishing on a lake or hunting in a blind. Its advanced closing mechanism ensures that it stays securely closed, eliminating the risk of spills and leaks.<br /> <br /> For more information, visit www.flasr.com; Market listing: FLASR (OTCQB: FLSR).<br /> <br /> Ref: Fishing - in Blogs

Travelers who are seeking serenity as part of their quintessential Caribbean luxury resort experience will find their perfect getaway at Calabash Cove.<br /><br />With a secluded beachfront location on the northwest (or Caribbean) side of the coast of the island of St. Lucia, Calabash Cove offers privacy and luxury for adults only.<br /><br />The Calabash Cove guest list includes singles and couples, some honeymooners, some celebrating an anniversary or other special event, and others looking for a simple but elegant getaway with some personal space and well-prepared meals. Visitors come from the United States, Canada, Europe, and around the world.<br /><br />The resort and spa is a full-service resort: the optional Unconditional All-Inclusive package covers all food and drinks including room service, daily specials, an in-room bar, lobster when in season, and more than 20 wines by the bottle from the resort's extensive wine list. Tips and Wi-Fi are included as well.<br /><br />Part of the resort's appeal is its promise of intimacy - only 26 suites, all with a king bed, Jacuzzi, double vanity, rain shower, private balcony or patio, ocean view and cable TV. The resort is built along a sloping hill and was designed to complement and harmonize with the natural surroundings and offer guests full benefit of ocean breezes and sunset views.<br /><br />The property includes a private beach with nearby coral reef, as well as tropical gardens and groves of trees to set the scene for reflection and relaxation.<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: Saint Lucia - in Countries</span>

(NewsUSA) - The upcoming school year will be like nothing teachers, students, and families have ever experienced, as the ongoing COVID-19 pandemic steers school systems to embrace online learning and incorporate it in new ways.<br /> <br /> However, school systems across the country are rising to the challenge and staying connected to their students with dynamic digital resources, such as those from Discovery Education.<br /> <br /> Since the beginning of the pandemic, school systems across the country have invested in digital services like Discovery Education Experience because they support students' education at home, in the classroom or wherever learning is taking place.<br /> <br /> Experience - Discovery Education's flexible K-12 learning platform - connects educators to a vast collection of compelling high-quality, standards-aligned content, ready-to-use digital lessons, and professional learning resources. Together, these resources give educators everything they need to facilitate instruction in any learning environment and create lasting educational impact.<br /> <br /> "Discovery Education is committed to keeping students and teachers connected to learning at home or in school," says Scott Kinney, Discovery Education's president of K-12 Education.<br /> <br /> "To accomplish that, we partner with school systems to provide students and teachers the digital resources - such as Discovery Education Experienc - they need for success during this school year and beyond."<br /> <br /> In addition, to providing school systems digital resources Discovery Education provides teachers the professional development they need to use new technologies and maximize their school district's technology investment.<br /> <br /> Discovery Education has a long history as a global leader in digital curricula that align with the current standards for K-12 education, and their products include digital textbooks, multimedia resources, and professional learning for educators.<br /> <br /> Visit discoveryeducation.com for more information about the company's resources, and visit <a target='_blank' href="https://www.discoveryeducation.com/district-partners">https://www.discoveryeducation.com/district-partners</a> to determine whether your local school district is making Discovery Education materials available to their students for the upcoming school year.<br /> <br /> Ref: Colleges - in Blogs

With a nation surrounded by bodies of water and made up of over 700 individual islands, the Bahamas make up the vast majority of the Caribbean. Plus, with a vast array of attractive beaches and crystal clear shorelines, you will surely be able to soak in the sun. Besides the splendor of the beaches, there are many other sights that are only available in the Bahamas. You will also love that the locals have some level of English so asking for directions will be no problem.<br /><br />What's more is that you will find an array of activities available to enjoy. The activities available make the Bahamas a perfect vacation spot for couples, families, or individuals looking to get away for a while. For the adventurer, seeking an adventure in the Bahamas will provide more than what you expect. Plus, with reasonable prices, a Bahamian vacation won't break the bank. As far as prices are concerned, let's take a look at how much it would cost to go on a family vacation to the Bahamas.<br /><br />Price for a Family Vacation to the Bahamas<br /><br />Just like any other vacation, a trip to the Bahamas involves many things that affect the overall price such as the amount of time being spent in the Bahamas, hotel accommodations, where you are flying from, number of family members, and entertainment expenses. It is also important that you have a bit more spending money for unexpected expenses.<br /><br />As you search around online, you may come across several travel sites offering different prices for a Bahama vacation. On average, the price could range from $900 to $950 for a single person. This is not bad when you are staying for at least 3 nights. The price may include your plane tickets, complimentary breakfasts, and hotel charges. You need to keep in mind that a low price such as this may require the departing flight to be from Florida since the route will be shorter than any other state.<br /><br />Essentially, all of the costs you experience will be determined by where you fly out from and your length of stay. <br /><br />If you plan to be traveling as a family or a group of friends, you may experience an even lower price, which could be based on a group rate. All you have to do is choose which group rate will provide the most benefits. You may also want to keep an eye on the prices as they may often change.<br /><br />Cost for a Flight<br /><br />Booking a flight to the Bahamas is not necessarily expensive. Of course, the price may depend on the month you plan to go. For fall flights, you may pay hundreds less than a flight in the summer, which is normal when many are traveling. <br /><br />Bahama Activities To Enjoy<br /><br />The good part about having activities to do is that they all may not cost much or may even be free, such as being on the beach sunbathing. Besides the beach, other fun activities include tours and even snorkeling or parasailing. <br /><br />You need to be aware that the price for activities may increase, which may be caused by their ability to provide some great excitement. Below are a few of the activities you can expect to enjoy while vacationing in the Bahamas.<br /><br />Taking a Dive in the Lucayan National Park Caves<br /><br />With more than 40 acres of caves, the Lucayan National Park provides cave swimming for those who enjoy underwater exploration. Located on Grand Bahama Island, the Lucayan National Park is a prized location for those who love ecology. Prior to your dive, you can enjoy a nice horseback ride or hike among the hardwood forest, the coppice landscaping, and even the mangroves.<br /><br />Visit the Straw Market for Souvenir Shopping<br /><br />If you are good at bartering, then the Straw Market is a good place to get some souvenirs at a low price. The Straw Market can be found on Bay Street. While there you will come across different vendors selling various items to take back home and enjoy.<br /><br />Not only is it acceptable to barter and haggle, but the locals encourage it. No matter what day you feel like going to Straw Market, it will always be open until 8pm. <br /><br />Tackle the Atlantis Paradise Island Waterpark<br /><br />As you enter the waterpark, you will be amazed at what Aquaventure has to offer. As part of the fun, there are over 140 acres of slides, pools, and rivers that are set among a landscape of Atlantis ruins. If you are a resort guest, then you will have free access to the park. If you want to enjoy a day at Aquaventure, then a day pass is easily obtainable.<br /><br />Enjoy Cabbage Beach<br /><br />As you continue to explore Paradise Island, you should make your way to the east side to enjoy the clear waters of Cabbage Beach. With two miles worth of beach Cabbage Beach is able to provide nice swimming in clear water. <br /><br />While you're walking the beach, check out the huts along the beach. You will see a masseuse waiting to provide a relaxing massage as the waves crash nearby.<br /><br />Explore the Pink Sand of Pink Sands Beach<br /><br />That's right, the sand of Pink Sand Beach is truly pink in color. This pink is due to the insects containing the pink color in their shells.<br /><br />The sand remains pink because of the crushing waves that hit the shells. The waves then mix the sand with the remains, which creates the pink sand. Your feet will also love the sand, which is nice and cool and is perfect for beach walks or soaking up the sun.<br /><br />Order a Chilly Daq Shack Beverage<br /><br />While taking in the sun and beach, nothing else is better than enjoying a nice chilly beverage while doing it. At the Daq Shack, you will enjoy a wooden hut with open-air that will provide you with the best rum and freshest fruits to create your favorite drinks. <br /><br />With many trying to be as authentic as the original Daq Shack, you will be at the original when you goto Cable Beach. The original Daq Shack can be pinpointed by the huge amount of business cards strung throughout the establishment.<br /><br />Enjoy a Bite to Eat at Graycliff Hotel<br /><br />Who knew you would be among pirates as you dine at Graycliff Hotel. With its rich history, Graycliff has managed to cater many for more than 250 years in the Bahamas.<br /><br />Although Graycliff is popular for the cigars, the hotel mansion also boasts a tremendous cellar for various wines and of course, a restaurant worthy of five stars. The food is beyond rich but with a traditional Bahamian flair. With that, you will need to make reservations early, sometimes months in advance, so if you plan a future vacation to the Bahamas, it is best to reserve now.<br /><br />Enjoy a Fish Fry Conch<br /><br />Once you have enjoyed a nice frozen beverage at the Daq Shack, head over to Fish Fry for a nice conch. Although this dish is the unofficial island favorite, its popularity is beyond proportion. A multitude of vendors are lined up to provide their take on conch as well as rice and plantains.<br /><br />Although you can enjoy the Fish Fry any day of the week, Friday and Saturday boast the most fun with an atmosphere filled with rum and music lasting throughout the night.<br /><br />Enjoy Spectating Cricket Matches<br /><br />Head over to the Cricket Club to enjoy some tasty food and beverages while watching some cricket matches. For the best views, you are best to sit above in the balcony and enjoy the pitch from above. The seating above is great for enjoying a cold beverage as the cool breeze helps you to relax and enjoy the tropical surroundings.<br /><br />Head Over to John Watling for some Rum Sampling<br /><br />By adding some rum, you´ll enjoy a true Bahama experience that John Watling can provide. With over 20 years of rum production, the distillery filters the rum with coconut and does a good job at it. John Watling sits comfortably on the Buena Vista Estate and boasts two acres of lushness. Access to John Watling distillery is 7 days a week and tastings and tours are also available. Before you leave, make sure to grab their estate cocktails, which are available in half gallon size.<br /><br />Test the Stacks at Baha Mar Casino<br /><br />With a lot of naturalness surrounding your family vacation, it is nice to escape the family to enjoy some gambling with other adults. With some extra glitz available in Nassau, you can try a hand of cards at the Baha Mar Casino. With a few resorts to spend the night, the Baha Mar Casino connects each property to the others and is highly known as the Caribbean's biggest casino. Make sure to have a drink ready to calm the nerves before hitting the casino floor to face the 110+ tables and more than enough slots that will keep you occupied for the entire night. <br /><br />Go Diving in Thunderball Grotto<br /><br />Going for a dive just got better as you explore Thunderball Grotto. While in the cave, you will recognize it from a James Bond movie. You will find it near Staniel Cay, and enjoying the pool is a great way to relax and explore while also transporting yurself back to the days of espionage.<br /><br />Head to Sandy Toes for some Snorkeling <br /><br />Located 30 minutes by boat, you can head to Rose Island to relax at Sandy Toes and enjoy a fresh beverage at its beach bar. At the shoreline of the island, it provides great seclusion that only a tropical island can offer. While you are there yu can head out for some snorkreling or go out running with the pigs that inhabit the island. <br /><br />When you are finished with that, enjoy a nice beverage in a hammock to relax the rest of the day.<br /><br />Head to Andros for some Barrier Reef Snorkeling<br /><br />If you have fins and mask, then you will love getting to use them at Andros along the barrier reef. As one of the largest islands in the world, you will enjoy seeing what marine life await you in the Caribbean. Often referred to as the Big Yard, you will find it mostly uninhabited. This allows the island to remain quiet and tranquil. <br /><br />Besides the reef, you will enjoy the vast amount of shipwrecks, blue tangs, scorpionfish, and parrotfish.<br /><br />Bahama Seasons<br /><br />The seasons in the Bahamas have a high season that starts in December and ends in April and the “winter” is a tropical warm climate. Regardless, many continue to visit regardless of the season and hurricane season does not seem to deter the visitors. To get the most out of your vacation, it is best to avoid the season of Spring Break, which begins in March and ends in April. By avoiding the Spring Break, your family can enjoy what the island has to offer without worrying about drunk college kids.<br /><br />Extra Expenses You Can Expect<br /><br />Besides the prices for all of the activities you enjoy, you will need to account for the expenses that will be added on top. We are sure that you do not want to just stay in your hotel for the entire time your family is vacationing. <br /><br />Knowing that, you also need to know about some other expenses that you may see every day that you remain in the Bahamas. While some may be on top of what you will be paying, some may be added to the overall price you pay. Keep in mind that the prices for each are considered average.<br /><br />Your Accommodations<br /><br />Many of your accommodations will be covered after you book your family vacation. But you may want to stay in other hotels as you explore the Bahamas. On average, you can expect to pay a daily rate of $65 for a night. Of course, if you need more space, then you will be paying more so do some research prior to booking. <br /><br />Dining Expenses<br /><br />Having a hotel that serves a free breakfast will save you some money each day you stay there. Luckily, most of the sites that will book your stay include hotels that provide a free continental breakfast. This will provide you with some extras spending money to enjoy other food outside of the hotel. <br /><br />When you have a daily budget of around $40, you will easily enjoy the variety of food options available to you. This is great when the majority of the cuisine will be seafood-based. You should be ready for any dish, but in case you need some pointers on what to try, we've listed a few of the most popular that you will enjoy for less than your budget amount.<br /><br />Conch - This dish is nationally known and favored by many in the Bahamas. As a mollusk, the seafood is breaded and fried and served along with lemons. No matter where you adventure off to, you will likely see it in every restaurant you visit. A lot of times it is listed as an appetizer, however you may combine it as a main dish.<br /><br />Boiled Fish with Grits - This Bahamian dish is served frequently during breakfast. The fish is cooked in a spice broth made up of peppers and onions along with lime juice. A nice serving of grits is then served alongside it. <br /><br />Fish Stew - This healthy stew will be found throughout every restaurant regardless of where you are in the country. It combines celery, tomatoes, onions, spices, and of course fish.<br /><br />Getting Around<br /><br />Getting around by taxi or bus may cost around $20 each day. With water taxis, you could be paying as much as $35 per day.<br /><br />Separate Entertainment<br /><br />Enjoying a nightlife without the kids can offer nice alone time with your spouse. If you are a night person then going to various bars can put you back $25 for a night of fun. You may also be tipping so throw in a few more dollars for that. <br /><br />Ocean Excitement<br /><br />Being surrounded by the ocean means you have many opportunities to enjoy the activities that go along with it. You can enjoy kayaking for 4 hours for $65, pay $70 for snorkeling trips, or pay $45 to enjoy a jet ski. For a parasailing adventure, you can expect to pay close to $245 for a group of three.<br /><br />Don´t Forget your Souvenirs<br /><br />With photos and videos making up the majority of your souvenirs, it is also good to have an item that you purchase from within the Bahamas. With a souvenir being displayed in the house, others can easily ask about it and you can recall the moment you purchased it. On average, the amount you spend may be less than $3.<br /><br />So What is the Total Cost<br /><br />Taking everything into consideration and including the extras after your ticket and accommodations, you may be easily spending between $1,500 and $2,000 for your families entire vacation. This is not bad considering all that the Bahamas has to offer its visitors.<br />

(NewsUSA) - Joanne C. was 74 when she had a stroke two years ago that left her paralyzed on the entire right side of her body. She refused to accept that she'd end up in a wheelchair and began rehabilitation, determined to get her life and body back to where it was before her stroke.<br /> <br /> Joanne's hard work paid off. She has regained much of her strength and movement and can walk again. In large part, she credits her SilverSneakers exercise classes - offered through her HumanaChoice® PPO, a Medicare Advantage preferred provider organization (PPO) health plan - as key to her successful recovery.<br /> <br /> Being a SilverSneakers member helped keep Joanne in good physical condition before her stroke. "SilverSneakers helped me be familiar with many of the exercises they had me do in physical therapy and gave me the confidence and strength to persevere through a difficult rehab process," Joanne says.<br /> <br /> Numerous studies, including Tivity Health's SilverSneakers Annual Member Survey of 2016, confirm that exercising, especially with others, improves older adults' physical and mental health.1,2, 3<br /> <br /> However, there are challenges that prevent many Medicare beneficiaries from joining gyms and fitness classes.<br /> <br /> By offering SilverSneakers through its Medicare Advantage (MA) plans, Humana is working to overcome those barriers so more people with Medicare can benefit from exercising.<br /> <br /> For those on a fixed income, joining a gym can be expensive. SilverSneakers provides gym access at no additional cost to many of Humana's MA members across the country, including those in Florida and Texas. SilverSneakers has partnered with almost 14,000 fitness and wellness centers around the U.S. and, with national reciprocity, SilverSneakers members can go to any one of those facilities.<br /> <br /> The program is designed with the Medicare population in mind and taught by certified instructors who offer classes and modifications for all fitness levels. These instructors are specifically trained to help members avoid stress-related injuries to muscles and joints.<br /> <br /> There's also a wide variety of classes offered, including circuit training, yoga, Latin dance and even an outdoor boot camp. SilverSneakers members also have access to all of a facility's amenities, which can include a range of exercise equipment, weight rooms and swimming pools.<br /> <br /> "According to Tivity Health's annual survey, SilverSneakers has made a significant difference in the lives of many of our Medicare Advantage members, not only in their physical health, but also in their social life," says Lauri Kalanges, M.D., Humana's Medical Director of Medicare Products for the Mid-Atlantic Region.<br /> <br /> Tivity Health's Annual Member Survey of 2016 found that 91 percent of SilverSneakers participants reported an improved quality of life. SilverSneakers has had a substantial impact on the health of its participants, reducing hospitalizations and the risk of depression.3<br /> <br /> For more information about SilverSneakers, go to www.silversneakers.com.<br /> <br /> Humana is a Medicare Advantage HMO, PPO and PFFS organization with a Medicare Contract. Enrollment in any Humana plan depends on contract renewal. This information is not a complete description of benefits. Contact the plan for more information. Limitations, copayments and restrictions may apply. Benefits may change each year. SilverSneakers is not offered on all Humana MA plans in all areas.<br /> <br /> 1. Nguyen Q, Ackermann RT, Maciejewski M, Berke E, Patrick M, Williams B and LoGerfo JP. Managed-Medicare Health Club Benefit and Reduced Health Care Costs Among Older Adults. Prev Chronic Dis 2008;5(1).<br /> <br /> 2. Nguyen HQ, Maciejewski M, Gao S, Lin E, William, B, LoGerfo JP. Health Care Use and Costs Associated with Use of a Health Club Membership Benefit in Older Adults with Diabetes. Diabetes Care 2008; 31:1562-1567<br /> <br /> 3. Nguyen, Koepsell, Unutzer, Larson and LoGerfo. Depression and Use of a Health Plan-Sponsored Physical Activity Program by Older Adults. Am J Prev Med 2008;35(2):111-117<br /> <br /> Ref: Dance - in Blogs

(NewsUSA) - Sponsored by GAF - It's time to stop thinking of Millennials as totally uninterested in owning anything just because they were early adopters of Uber.<br /> <br /> The newly released U.S. home ownership rate rose in 2017 for the first time in 13 years - it now stands at 64.2 percent - driven mainly by a shift towards owning over renting by the under-age 35 crowd who'd been wary of committing for both financial and personal reasons.<br /> <br /> "This is happening because young households are buying homes. Full stop," Ralph McLaughlin, chief economist at home listings provider Trulia, told the Wall Street Journal.<br /> <br /> They're not the only purchasers, of course. Which means if you're looking to sell your house now or in the not too distant future, you might want to check out this generational roadmap to four upgrades experts say are worth it to help attract potential buyers.<br /> <br /> * Cross-generational: a new steel door. The only thing that beat it on Remodeling magazine's annual Cost vs. Value Report for 2017 was loose-fill attic insulation, but this project - with a 90.7% return on investment - speaks directly to the report's main takeaway: "Curb appeal projects, by and large, generated higher returns on investment than work done inside the home."<br /> <br /> Plus, as far as Millennials go, while their ideal interiors may differ from older generations - for example, they prefer open floor plans and hardwood floors - Architectural Digest says they're still into "traditional exteriors."<br /> <br /> * Millennials: smart-home tech. Yes, there are Boomers and Generation Xers who are super tech savvy, but Millennials especially crave homes that allow them to control their heating, air-conditioning, home security, and lighting systems from their phones.<br /> <br /> "They want to use their brains for other things, not for remembering whether they adjusted the heat or closed the garage door," Angie's List stressed.<br /> <br /> * Cross-generational: a new roof. It's the ultimate curb appeal enhancer and a perennial Remodeling magazine A-lister, with Credit.com having observed that "buyers pay a premium for one already in place."<br /> <br /> So if the first thing prospects notice even before exiting their cars looks like something out of "Twister," you've got a problem.<br /> <br /> "It's a huge turn-off," said Patsy O'Neill, a sales associate with Sotheby's in Montclair, New Jersey, "and makes buyers of all ages predisposed to find even more things they don't like."<br /> <br /> If your roof does need replacing, those particularly interested in targeting Millennials might want to consider the very affordable Sienna line of diamond-shaped shingles from GAF (gaf.com), North America's largest roofing manufacturer, since they capture that generation's sensibilities.<br /> <br /> "They pick up on key Millennial style trends of natural, clean materials, clean lines, and the integration of artistic elements," said Leslie Franklin, executive director of residential marketing at GAF.<br /> <br /> * Millennials: all-new appliances. Realtors will tell you that major kitchen (and bath) upgrades aren't generally worth their high costs, in terms of return on investment, since prospective buyers' tastes can clash with yours.<br /> <br /> However, Millennials do love, love, love all-new stainless steel appliances. So much so that what RealtyTimes.com called "an astonishing majority of 75 percent" of respondents in a recent survey chose to spend their hypothetical home buying budgets on them.<br /> <br /> Ref: Gardens - in Blogs

(NewsUSA) - As the calendar flips to another year, many employees will consider starting the new year on the hunt for a new job. In today's changing workforce, it is more important than ever for companies to realize that a salary alone is no longer enough to recruit or retain strong employees. According to a recent survey by Aflac, small businesses deserve a round of applause for their ability to keep employees happy. The report found that 85 percent of small-business employees are happy in their current job and more than half (51 percent) agree that most of or all of their happiness in their current job is because is a result of working for a small business.<br /> <br /> The keys to happiness<br /> <br /> Nearly a quarter of participants (23 percent) stated that the feeling of importance was the best part of working for a small business. Small businesses have the unique ability to make employees feel appreciated, respected and valued on a personal and professional level. In a small business environment, there are typically fewer layers between newcomers and leadership. This tight-knit structure of small businesses can create a family-like atmosphere that allows employees to feel that their opinions matter and that they play a significant role in the business's mission.<br /> <br /> Flexibility is also vital in creating employee happiness. According to the report, 30 percent of respondents noted that flexible scheduling was the best part of working for a small business. This can include working from home, leaving work early to play in a summer sports league or giving new parents an extra week of paid time off to help care for their newborn. A workplace that promotes healthy work-life balance can create happier, less stressed employees and can also increase employee productivity on the job.<br /> <br /> Unlocking improvements<br /> <br /> Although small businesses excel at keeping employees happy, there is always room for improvement. In a small-business community, money does not seem to be the only motivator. In fact, 65 percent of small-business employees indicate that an improvement in their benefits offerings would make them happier employees. By offering a robust benefits plan that includes voluntary benefits, small businesses can ensure that their employees are able to find the right benefits to meet their individual needs.<br /> <br /> Learn more at <a class="no-ajax" target='_blank' href="https://aflac.com/smallbusiness">https://aflac.com/smallbusiness</a><br /><br /> <br /> Ref: Business - 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