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Yes, There May Be A Positive to Come Out of the Student Debt Crisis

(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

(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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Embracing a Healthy Lifestyle

The Importance of Breakfast

In today's fast-paced world, maintaining a healthy lifestyle can often feel like a daunting task. However, one of the simplest yet most impactful habits you can adopt is starting your day with a nutritious breakfast. This small act not only sets a positive tone for the rest of your day but also provides numerous health benefits that contribute to your overall well-being.

Why Breakfast Matters
Breakfast is rightly hailed as the most important meal of the day for several reasons. After a night of fasting, your body needs essential nutrients to replenish its energy reserves and kick-start your metabolism. A balanced breakfast fuels your body and mind, improving concentration, mood, and productivity throughout the day. Research consistently shows that people who eat breakfast are more likely to maintain a healthy weight and make better food choices later in the day.

Components of a Healthy Breakfast
A healthy breakfast should include a variety of nutrients to ensure optimal functioning:

Complex Carbohydrates: Whole grains like oats, whole wheat bread, or quinoa provide sustained energy and fiber, which aids digestion.

Protein: Eggs, yogurt, nuts, or lean meats offer essential amino acids that help repair and build tissues, support immune function, and keep you feeling full longer.

Healthy Fats: Avocado, nuts, seeds, and olive oil provide essential fatty acids that support brain function and heart health.

Fruits and Vegetables: These are rich in vitamins, minerals, and antioxidants crucial for overall health and disease prevention.

Tips for a Balanced Breakfast
Plan Ahead: Prepare breakfast items the night before to save time in the morning.

Avoid Sugary Foods: Opt for whole fruits instead of fruit juices or sugary cereals to avoid spikes in blood sugar levels.

Hydrate: Start your day with a glass of water to hydrate your body after hours of sleep.

Listen to Your Body: Eat when you feel hungry, and pay attention to portion sizes to avoid overeating.

Incorporating Breakfast into Your Routine
If you find it challenging to eat breakfast due to time constraints or lack of appetite in the morning, start with small, manageable portions. Smoothies packed with fruits, vegetables, and protein are convenient options for those on the go. Alternatively, try incorporating breakfast foods into your mid-morning snack, such as yogurt with granola or a piece of whole fruit.

Conclusion
By making breakfast a priority in your daily routine, you not only enhance your physical health but also boost your mental and emotional well-being. Remember, a healthy lifestyle is built on consistent habits, and breakfast is a cornerstone that sets the tone for the rest of your day. Embrace this simple yet powerful practice, and watch as it transforms your energy levels, focus, and overall quality of life.

The Importance of Breakfast In today's fast-paced world, maintaining a healthy lifestyle can often feel like a daunting task. However, one of the simplest yet most impactful habits you can adopt is starting your day with a nutritious breakfast. This small act not only sets a positive tone for the rest of your day but also provides numerous health benefits that contribute to your overall well-being. Why Breakfast Matters Breakfast is rightly hailed as the most important meal of the day for several reasons. After a night of fasting, your body needs essential nutrients to replenish its energy reserves and kick-start your metabolism. A balanced breakfast fuels your body and mind, improving concentration, mood, and productivity throughout the day. Research consistently shows that people who eat breakfast are more likely to maintain a healthy weight and make better food choices later in the day. Components of a Healthy Breakfast A healthy breakfast should include a variety of nutrients to ensure optimal functioning: Complex Carbohydrates: Whole grains like oats, whole wheat bread, or quinoa provide sustained energy and fiber, which aids digestion. Protein: Eggs, yogurt, nuts, or lean meats offer essential amino acids that help repair and build tissues, support immune function, and keep you feeling full longer. Healthy Fats: Avocado, nuts, seeds, and olive oil provide essential fatty acids that support brain function and heart health. Fruits and Vegetables: These are rich in vitamins, minerals, and antioxidants crucial for overall health and disease prevention. Tips for a Balanced Breakfast Plan Ahead: Prepare breakfast items the night before to save time in the morning. Avoid Sugary Foods: Opt for whole fruits instead of fruit juices or sugary cereals to avoid spikes in blood sugar levels. Hydrate: Start your day with a glass of water to hydrate your body after hours of sleep. Listen to Your Body: Eat when you feel hungry, and pay attention to portion sizes to avoid overeating. Incorporating Breakfast into Your Routine If you find it challenging to eat breakfast due to time constraints or lack of appetite in the morning, start with small, manageable portions. Smoothies packed with fruits, vegetables, and protein are convenient options for those on the go. Alternatively, try incorporating breakfast foods into your mid-morning snack, such as yogurt with granola or a piece of whole fruit. Conclusion By making breakfast a priority in your daily routine, you not only enhance your physical health but also boost your mental and emotional well-being. Remember, a healthy lifestyle is built on consistent habits, and breakfast is a cornerstone that sets the tone for the rest of your day. Embrace this simple yet powerful practice, and watch as it transforms your energy levels, focus, and overall quality of life. Category: Health - in Blogs

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Dream beach boat waiting for us

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When fashion meets its shadow in a sunny day

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2020 Is A Year for Savings - 8 in 10 People Plan to Save More

(NewsUSA) - Most Americans don't have $400 saved to cover for an unexpected emergency, but a recent poll from Chase found that consumers may be ready to change that this year. 80 percent plan to save more and 51 percent say emergency savings is their goal.

Savings is key to financial health and Chase Financial Education Ambassador Farnoosh Torabi has tips and advice on how to get started and make savings a habit. (watch video)

According to Torabi, increasing savings is key to stability and gives people the ability to quickly recover when there are ups and downs.

Chase is focused on helping encourage the habit of savings and support people by providing information and resources that can help customers on their savings journey.

Take a first step by understanding your expenses and building a budget. Budget Builder is a great tool from Chase to help you monitor your monthly spending and saving.

Once you have this baseline, the key to reaching your goals is to just start saving, even if you're starting small. "My advice is to automate," says Torabi. "There is a great feature through the Chase App called Autosave which allows you to decide on your own how much you want to save and how frequently you want to save, so you can feel in control of this. The good news is the technology does the savings for you." With this feature, you can save as little as $1 a day.

While consistency is key, savings is about what works for you. In a month when you have extra cash, you can always accelerate your savings, but in a tighter month, it's all right to take a pause or draw from your savings to cover an unexpected expense.

Check out chase.com/autosave for more information and tips on how to make savings work for you.

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Joy is one of the most wonderful feelings

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Let me take you for a ride to the beach

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Self-Publishing Helps Parents Share New Books with Kids

(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.

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.

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.

Dr. Dhoot has self-published the growing Tinker Toddler series of STEM books aimed at young children, including Machine Learning for Babies & Toddlers.

"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."

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.

"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."

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.

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.

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.

"I have the freedom to spend more time with my family, while pursuing my passion on my own terms with KDP."

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.

For those parents who are toying with self-publishing, but still have questions, consider this:

* KDP lets authors set their own prices and retain all rights to their work.

* 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.

* You can publish Kindle eBooks and paperbacks in multiple languages.

Visit kdp.amazon.com for more information about Kindle Direct Publishing.

Ref: Encouraging - in Blogs

(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. 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. 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. Dr. Dhoot has self-published the growing Tinker Toddler series of STEM books aimed at young children, including Machine Learning for Babies & Toddlers. "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." 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. "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." 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. 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. 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. "I have the freedom to spend more time with my family, while pursuing my passion on my own terms with KDP." 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. For those parents who are toying with self-publishing, but still have questions, consider this: * KDP lets authors set their own prices and retain all rights to their work. * 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. * You can publish Kindle eBooks and paperbacks in multiple languages. Visit kdp.amazon.com for more information about Kindle Direct Publishing. Ref: Encouraging - in Blogs

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Existence

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.

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

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