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    Millie Zemlak Millie_Zemlak
    (NewsUSA) - Retirees seeking comfortable climates, relaxed lifestyles, and affordable, quality medical care might find a hidden gem in Costa Rica.

    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.

    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.

    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.

    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.

    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.

    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.

    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).

    For more information about fully escorted tours to Costa Rica, visit caravan.com.

    Ref: History - in Blogs
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    Ramiro Williamson Ramiro_Williamson


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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
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    Ramiro Williamson Ramiro_Williamson


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    Millie Zemlak Millie_Zemlak
    (NewsUSA) - Today most homeowners want to do right by the environment while also caring for the health and wellness of their own families. But they don't always know what measures they can take with the design, construction, and furnishing of their houses to achieve eco-friendly, health-enhancing results.

    "Many responsible consumers are uncertain what a 'sustainable' product or material is," notes Linda Jovanovich of the American Hardwood Information Center, www.hardwoodinfo.com.

    "It simply means the particular resource is self-replenishing - something we can use freely now without fear that its supply will run out in the future. Since American hardwood forests renew themselves almost twice as fast as they are harvested, the U.S. supply of hardwoods for flooring, furniture, cabinetry, and millwork is sustainable now and for generations to come."

    As well as being plentiful and sustainable, American hardwood is carbon neutral: Growing trees absorb carbon dioxide from the atmosphere and break it down into oxygen, which is returned to the air, and carbon, which is used to create roots, trunk, branches, and leaves. In short, the use of natural American hardwoods throughout a house helps with the long-term removal of carbon from the environment.

    Hardwood can also benefit a household's general well-being.

    When artist Hadley Williams renovated her family home in California's Bay Area, she asked the makeover team - designer Sherry Williamson, architect Andrew Mann, and builder Michael McCutcheon - for a clean-lined, ultra-eco-friendly residence. They wrapped all the floors, ceilings, walls, and casework in the gutted interiors with plain-sawn American white oak, achieving a beautiful balance among aesthetics, sustainability, and healthfulness.

    Since the latter was a priority, each and every building product used was screened for a comprehensive list of more than 900 chemicals of concern. Using solid timber helped avoid the unhealthy volatile organic compounds (VOCs) found in laminate glues. Thanks to those efforts, the house has been certified LEED Platinum - the U.S. Green Building Council's highest ranking.

    Architect Stephanie Horowitz of Boston-based ZeroEnergy Design is another expert at creating contemporary, environmentally sensitive, family-friendly homes.

    "We regularly specify domestic, sustainably harvested hardwood floors," she says.

    "When paired with a non-VOC finish, a hardwood floor helps maintain healthy indoor-air quality while allowing us to support local business and overall environmental health."

    Such was the case with a house she recently designed for a client who wanted an exceptionally healthy and comfortable living environment in a traditional neighborhood. By installing quarter-sawn white-oak floors, and selecting other durable materials and finishes with low or no VOCs and no added urea formaldehyde, Horowitz was able to achieve LEED-platinum certification for the house and, more importantly, ensure that its inhabitants can breathe easy.

    Visit www.hardwoodinfo.com for more about sustainability and healthfulness in relation to home applications and products using American hardwoods.

    Ref: Decoration - in Blogs
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    Millie Zemlak Millie_Zemlak
    (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.

    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.

    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.

    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

    However, there are challenges that prevent many Medicare beneficiaries from joining gyms and fitness classes.

    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.

    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.

    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.

    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.

    "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.

    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

    For more information about SilverSneakers, go to www.silversneakers.com.

    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.

    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).

    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

    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

    Ref: Dance - in Blogs
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    Alkuansinta Rohman alkocoko
    Indonesia is home to hundreds of volcanic craters, but few can match the extraordinary beauty and unique phenomena of Ijen Crater. Located in East Java, this remarkable geological wonder stands out as one of the largest and most captivating volcanic craters in the archipelago, drawing visitors from around the world with its stunning natural spectacle.


    A Breathtaking Natural Panorama

    Ijen Crater offers visitors an unforgettable visual experience with its mesmerizing turquoise-colored acidic lake. From the rim of the crater, travelers can witness the striking contrast between the brilliant blue waters and the surrounding volcanic landscape. The panoramic views from the crater's edge provide countless opportunities for photography, making it a favorite destination for nature photographers and adventure enthusiasts alike.


    The Famous Tree Viewpoint

    One of the most iconic spots at Ijen Crater is the famous tree viewpoint located at the mountain's summit. This particular vantage point has gained significant popularity on social media platforms, where visitors capture stunning photographs with the solitary tree framing the crater's magnificent backdrop. The silhouette of this tree against the volcanic scenery has become a signature image representing the beauty of Ijen Crater.


    The Rare Blue Fire Phenomenon

    What truly sets Ijen Crater apart from other volcanic destinations worldwide is its extraordinary blue fire phenomenon. This rare natural occurrence can only be witnessed in two locations globally, making Ijen Crater an exceptionally unique destination. The blue flames are created by the combustion of sulfuric gases that emerge from the crater at extremely high temperatures.
    This spectacular phenomenon is exclusively visible during nighttime hours, as the blue flames are too faint to be seen during daylight. Visitors who wish to witness this natural wonder must embark on a challenging pre-dawn hike to reach the crater rim before sunrise. The ethereal blue glow dancing across the crater floor creates an otherworldly atmosphere that leaves observers in awe.


    A Must-Visit Destination

    Ijen Crater represents one of Indonesia's most remarkable natural treasures, combining stunning visual beauty with rare geological phenomena. Whether you're drawn by the spectacular crater views, the famous tree photography spot, or the once-in-a-lifetime blue fire experience, Ijen Crater offers an adventure that will create lasting memories.


    For those seeking an extraordinary natural spectacle that showcases the raw power and beauty of Indonesia's volcanic landscape, Ijen Crater stands as an unmissable destination that perfectly embodies the country's diverse and magnificent natural heritage.
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    Ramiro Williamson Ramiro_Williamson


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    Ramiro Williamson Ramiro_Williamson


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