(NewsUSA) - It seems as if there's co-ops for just about everything these days - condos, farms, horses, and now yachts.<br /> <br /> Consider this: as with anything worth having, there are expenses and hassles associated with boat ownership that you may not even be aware of. But partial (fractional) ownership offers "all of the luxury and none of the hassle" according to the website of yacht co-op management company Saveene.<br /> <br /> It works like this: The more fractions you purchase, the more yacht usage you can experience. For example, a 10 percent purchase equals approximately four weeks of yachting time each year; 20 percent entitles you to eight weeks, and so on.<br /> <br /> For those who enjoy the periodical pleasure of luxury boating, fractional ownership is more cost-effective than sporadic charters, and has several other advantages:<br /> <br /> - Predictability. Saveene fractional owners hold equity in the yacht and have the option to sell their fraction any time they like. Purchase as many fractions as you want, up to 10 fractions per yacht. When you choose your dates, contact Saveene and they will schedule and prepare your yacht for your arrival.<br /> <br /> - Pampering. When you arrive at the marina, the yacht is clean, stocked, and safety-checked. Chart your course in advance, or allow your captain to create a memorable itinerary. Bring any food and beverages you choose, or Saveene yachts accommodate a chef or catering service.<br /> <br /> - Peace of mind. With fractional ownership, you avoid many headaches associated with owning a boat outright, including maintenance, repairs, storage, transportation, and insurance. Saveene handles the business transactions of purchasing and selling the fractions as well when the time comes.<br /> <br /> Saveene offers a range of options for yacht enthusiasts - a Sea Ray Sundancer for $19,995, a 36' Carver Mariner for a one-time fee of $ 39,995, a 64' Aicon for $89,980 or a combined usage of these for $69,985. All types are available at the same marina for viewing before making a purchase.<br /> <br /> Sea Ray Sundancer: This 34-foot cruiser is ideal for families, and easy to maneuver along intercoastal waterways for boating, snorkeling, and dining at dockside restaurants.<br /> <br /> Carver Mariner: This 37-foot boat features a fly bridge suited for parties, a home-size galley to accommodate larger food prep or catering, and a full entertainment center.<br /> <br /> Aicon: The 64-foot yacht includes four full-sized cabins plus crew quarters to handle an extended excursion. All cabins include their own facilities and TV/DVD setups, and the yacht includes a collection of water toys for kids of all ages.<br /> <br /> Want to go bigger? Saveene is also taking orders for an 85-foot Azimut yacht.<br /> <br /> Other benefits include the opportunity to check out Saveene yachts for a risk-free trial and the ability to write off your fractional purchase on your taxes.<br /> <br /> For more information about the benefits of yacht co-ownership, visit saveene.com.<br /> <br /> Ref: Boats - in Blogs

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(NewsUSA) - How much will I need for my kid's college education? And how the heck will I pay for it?<br /> <br /> With the cost of a four-year degree rising nearly eight times faster than wages since the 1980s, those two questions are enough to give today's parents a serious case of night sweats. You can argue about the reasons for the disconnect -Administrative costs? Fancy amenities? - but you know there's a problem when a writer at Education Week is incensed.<br /> <br /> "Madness," she decried.<br /> <br /> Which is all the more reason to mark May 29 down on your calendar.<br /> <br /> Otherwise known as National 529 College Savings Plan Day -Get it? 5/29? - it's the perfect time to consider setting up one those tax-advantaged 529 plans, as they're called, to help sock money away to cover tuition, books and other education-related expenses at most accredited two - and four-year colleges, universities and vocational-technical schools.<br /> <br /> "It's a way of keeping your son or daughter from being saddled with too much debt when it's time to jump start their careers," explained Melissa Ridolfi, vice president of retirement and college products at Fidelity Investments. "Plus, any investment earnings compound on a tax-deferred basis, and qualified withdrawals are entirely free from federal and state income taxes."<br /> <br /> And now to the big question: How much?<br /> <br /> Two factors are mainly at play:<br /> <br /> * Public vs. private schools. The cost difference can be about as mind-boggling as "Avengers: Endgame's" record $357.1 million opening weekend domestic haul: an average of $21,370 a year at the former, according to the College Board's latest figures, as opposed to $48,510 at the latter.<br /> <br /> * The percentage of the bill you plan to foot. If you were counting on scholarships and other grants to pick up all or most of the tab, you should probably rethink that unless your kid is either a bona fide child prodigy or football star. Sallie Mae's "How America Pays for College" 2018 report found that both categories combined paid for just 28 percent of college costs.<br /> <br /> One guess where 47 percent of the costs came from. That's right, "family income and savings," with another 24 percent covered by borrowing.<br /> <br /> In other words, as Ridolfi said, "any way you look at it, the family is on the hook to pay the lion's share of college expenses." Which probably helps explain why a recent Fidelity study found that parents are increasingly starting to save before their child even reaches the age of two.<br /> <br /> To see where you stand, try using what Fidelity calls "the college savings 2K rule of thumb." Simply multiply your child's current age by $2,000 to figure whether your savings to date are generally on track to handle approximately 50 percent of the College Board's $21,370-a-year average cost of attending a four-year public college.<br /> <br /> Or, especially if you want a more customized estimate - one that lets you play around with percentages and switch back and forth between public and private schools - the firm's free online college savings calculator takes the angst out of doing the math yourself.<br /> <br /> Fidelity provides 12 savings ideas to help reach your own goal, and offers a choice of two different investment strategies in the 529 savings plans it manages - including an age-based portfolio of funds that automatically becomes more conservative as the beneficiary nears college age.<br /> <br /> Hopefully, armed with all that info, you'll be sleeping better at night.<br /> <br /> Ref: Family - in Blogs

(NewsUSA) - Retirees seeking comfortable climates, relaxed lifestyles, and affordable, quality medical care might find a hidden gem in Costa Rica.<br /> <br /> In fact, International Living magazine named Costa Rica number three, ahead of Spain, France, and Mexico, on its 2020 list of top places to retire. Other appealing features include the low cost of living and ease of buying real estate.<br /> <br /> One of the reasons for capturing the top spot is that Costa Rica offers a diverse history and culture that make it an enriching location for travel, as well as retirement. Many retirees from the United States who are interested in living abroad have discovered the elements that make Costa Rica unique and special.<br /> <br /> Anyone contemplating retirement either sooner or farther down the road can become familiar with Costa Rica through a fully escorted tour. Many time-share organizations will target tourists and can be scams, so it is important to make informed decisions about how to travel and explore. Companies such as Caravan Tours provide immersive experiences that include meals, transportation, and excursions across more than 750 miles of the country.<br /> <br /> The Caravan Costa Rica Natural Paradise tour offers nine days of carefully chosen hotels, delicious meals, and entertaining excursions for an all-inclusive price. The relaxed, yet engaging, itinerary is designed to balance single- night and two-night stays for an unhurried pace, and each day includes scenic and rest stops. Comprehensive sightseeing with local guides provides an ideal opportunity for retirees and future retirees to become familiar with the country.<br /> <br /> The Natural Paradise tour kicks off in San Jose, where Caravan tours provides easy transportation from the airport to the hotel. Day trips from San Jose include visits to a coffee plantation and an artists' village in the Central Mountain Range.<br /> <br /> Other highlights of the tour include the Cano Negro Cruise, which passes through a wildlife refuge that is home to a variety of animals, including whistling ducks, howler monkeys, and water-walking lizards, followed by an evening soak in volcanic hot springs. In addition, travelers have opportunities to hike the suspension bridges of Guanacaste with a naturalist guide, and visit to the Manuel Antonio National Park with its spectacular rain forest and beach cove, as well as enjoy the amenities of a world class beach resort.<br /> <br /> Caravan Tours is a member of ASTA (American Society of Travel Agents), NTA (National Tour Association), CLIA (Cruise Lines International Association), and an allied member of ACTA (Alliance of Canadian Travel Agencies).<br /> <br /> For more information about fully escorted tours to Costa Rica, visit caravan.com.<br /> <br /> Ref: History - in Blogs

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(NewsUSA) - It's no surprise that parents today seek books that will delight, engage, and educate their children. However, some parents are seeing gaps in the available options of topics they want to share with their children. To combat this, there is a growing trend of parents who have taken matters into their own hands and turned to self-publishing to fill these holes themselves.<br /> <br /> Kindle Direct Publishing (KDP) from Amazon is one self-publishing option that offers editorial freedom and ease of use for busy parents looking to create something that meets their kids' needs.<br /> <br /> KDP success stories include Handeep Dhoot (who writes as "Dr. Dhoot"), a mom with a Ph.D. in chemistry who wanted to introduce her young daughter to STEM topics.<br /> <br /> Dr. Dhoot has self-published the growing Tinker Toddler series of STEM books aimed at young children, including Machine Learning for Babies & Toddlers.<br /> <br /> "Becoming a parent helped me realize the urgency for introducing scientific topics, like STEM, to kids while their brains are still developing. KDP allowed me to self-publish books that portray these ideas in an accurate and digestible way for kids, including my own daughter."<br /> <br /> Gabi Garcia, a long-time school counselor and mom, turned to self-publishing when she saw a lack of books for Spanish-speaking and bilingual children about how to understand their emotions and feelings.<br /> <br /> "It's so important to engage with children early to discuss mindfulness. Self-publishing on KDP empowered me to take all that I'd learned and seen as a school counselor and make it accessible to more children, in both English and Spanish."<br /> <br /> She has published several books on these topics through KDP, including Listening to My Body, published in both English and Spanish. She now writes full-time on mindfulness and social awareness topics for children, parents, and educators.<br /> <br /> Brendan Kelso struggled with dyslexia as a child, but found learning and performing dramatic monologues helpful. He enjoyed Shakespeare, but, like many young readers, found the text hard to understand.<br /> <br /> After a career in engineering, he became a stay-at-home dad and came up with an idea to write versions of Shakespeare's plays that were more accessible to kids. His loveof theater and writing led him to self-publish several works through KDP, starting with Shakespeare's Hamlet for Kids.<br /> <br /> "I have the freedom to spend more time with my family, while pursuing my passion on my own terms with KDP."<br /> <br /> These parents have been able to create the books they couldn't find for kids and found financial success - and sometimes a whole new career - in the process.<br /> <br /> For those parents who are toying with self-publishing, but still have questions, consider this:<br /> <br /> * KDP lets authors set their own prices and retain all rights to their work.<br /> <br /> * As an author, you can publish your book in minutes, and these books are available to a worldwide audience through Kindle online stores in 24-48 hours.<br /> <br /> * You can publish Kindle eBooks and paperbacks in multiple languages.<br /> <br /> Visit kdp.amazon.com for more information about Kindle Direct Publishing.<br /> <br /> Ref: Encouraging - in Blogs

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(NewsUSA) - Nurses remain an essential and trusted part of the health care system, and the nation faces an urgent need for nurses due to the COVID-19 outbreak.<br /> <br /> The World Health Organization is also celebrating the value of nursing by designating 2020 as the International Year of the Nurse and the Midwife. In addition, 2020 is the 200th anniversary of the birth of Florence Nightingale, the 19th- century social reformer known as the founder of modern nursing.<br /> <br /> The demand for nurses, and therefore for nurse educators, is likely to remain high, according to the National League for Nursing (NLN), as nurse educators are on the front lines teaching new nurses who are filling the shortages in hospitals and other health care settings.<br /> <br /> Nurse educators will likely continue to be well paid. Data from the Bureau of Labor Statistics estimate the median salary for nurse educators at $73,490. They may work in academic settings, but some expand their focus to teaching in schools, businesses, hospitals, and community agencies.<br /> <br /> The NLN shares some key advantages to becoming a nurse educator:<br /> <br /> - Intellectual stimulation. Nurse educators know the latest research in the field, and have the ability to share it with others.<br /> <br /> - Flexibility. Nurse education allows for more autonomy and a flexible schedule. Not to mention that technology allows educators to teach from anywhere in the world, at any time, from the beach to the ski slopes.<br /> <br /> - Research. Nurse educators have opportunities for research and publication in scholarly journals to advance the field of nursing and their own careers.<br /> <br /> - Meaning. The desire for a purpose-driven life steers many people to the nurse education field, where they can make a significant difference in a variety of ways.<br /> <br /> - Fulfillment. Nurse educators rejoice in encouraging young students, and take pride in their accomplishments.<br /> <br /> - Impact. Nurse educators, by shaping and developing the next generation of nurses and by working in their communities, will continue to impact the shape of healthcare for future generations.<br /> <br /> - Inspiration. Everyone remembers the teacher or teachers who made a difference for them by giving them that extra encouragement, or helping them explore paths they might not have seen.<br /> <br /> But quite possibly the number- one reason to become a nurse educator, according to the NLN, is the unique chance to "teach what you love."<br /> <br /> Many career tracks exist for potential nurse educators. Teaching requires at least a master's degree in either education or nursing, but these degrees may be earned through a traditional college setting or through the variety of fully accredited programs now available online.<br /> <br /> For more information about careers in nursing education, visit NLN.org.<br /> <br /> Ref: Health - in Blogs