(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

(NewsUSA) - If you're reading this story, that probably means you're a concerned parent who wouldn't dream of buying your 8-year-old the new "Battlefield 4" video game for the holidays, no matter how many hissy fits are thrown. But let's face it, you've also got a zillion other things on your mind right now -- how's that work deadline coming? -- and not every title is so obviously age-inappropriate.<br /> <br /> What to do?<br /> <br /> Well, first, remember the reason most kids enjoy playing video games is a positive one. "When kids are asked, in focus groups and surveys, what they like about video games, they generally talk about freedom, self-direction and competence," Peter Gray, a research professor at Boston College, wrote in Psychology Today. And second, know that you're not without helpful resources.<br /> <br /> Here's how to ensure you make a smart choice:<br /> <br /> * Check the box. Not only does each one include a letter on the front indicating the maturity level assigned by the Entertainment Software Rating Board (ESRB) -- i.e., "EC" for early childhood, "E10+" for those 10 and over, and "T" for teen -- but the cover's flip side provides the basis for the grade. Meaning, if you're unsure whether a video game rated "E" for everyone (or even "M" for mature, 17 or older) is right for your child, content descriptors like "fantasy violence" could be the clincher.<br /> <br /> And while producers aren't required to submit games for review, retail partners of the ESRB like GameStop (www.gamestop.com) say they make a point of only carrying ESRB-rated games. "Each child has a unique personality, and we believe in helping parents protect younger players from overly mature content," says Jason Cochran, vice president of store operations and strategic initiatives at the company, which is the world's largest multichannel retailer of video games.<br /> <br /> * Understand the gaming lingo. You know that clueless feeling you get when your child drops gamer terms like "FPS" around the house? The website RespectTheRatings.com explains their meaning -- in this case, "first person shooter," signifying a game where the player sees the action through the eyes of its main character -- and also offers such other handy tips as the availability of built-in parental controls on consoles and handheld devices.<br /> <br /> * Ask the experts. About 73 percent of all video games are rated "E" through "T," and GameStop actually has "Game Advisors" in every store who can tell you which ones harness creativity ("Disney Infinity"), say, and which are delightful fantasies ("Angry Birds: Star Wars").<br /> <br /> One last tip: When in doubt, try the games in stores yourself.<br /> <br /> <br /> Ref: Gaming - in Blogs

(NewsUSA) - Spring is here and that means it's lawn cutting season. In the interest of curbing your carbon footprint and "going green," you may want to consider an eco-friendly alternative to a healthy, beautiful lawn - an electric lawn mower. Options for self-propelled, high-powered electric lawn mowers abound, and there's a mower to fit every lawn and budget.<br /> <br /> Special features of modern electric mowers include variable speeds that allow users to adjust to different conditions on the ground. That means no need for extra effort when going uphill. In addition, electric mowers can be set for slower speeds to maneuver around flower beds, trees, or lawn furniture.<br /> <br /> Many top companies, including DR Power Equipment, Ryobi, Greenworks, and Craftsman and Kobalt, among others, offer a range of styles and models for battery-powered, self-propelled, walk-behind lawn mowers that feature the unique and efficient variable-speed electric transmission designed by General Transmissions.<br /> <br /> "With the variable-speed, self-propelled drive system, you mow the lawn at your own pace. Change speeds whenever you want by adjusting your grip on the speed control. You don't have to stop what you're doing to change speeds," says Wouter Barendrecht, chief executive officer of General Transmissions.<br /> <br /> "The electric drive has a motor on it that controls the self-propelled function, so you can disengage the cutting blade and still keep moving with the self-propelled feature operating," says Barendrecht.<br /> <br /> Still not convinced? Here are the top three reasons to try a battery-operated lawn mower this year:<br /> <br /> - Easy to use. Battery-powered lawn mowers are safe and simple to use. Speeds can be adjusted without stopping the mower, and you mow at your own pace. Many of them include mulching features, and some have batteries that can be used interchangeably with other electric equipment from the same manufacturer. Other features, such as telescoping handles, make storage a snap, especially for homeowners in townhouses or other areas with limited space.<br /> <br /> "These mowers weigh a lot less than comparable gas-powered ones, so they're easier to maneuver and easier to store. You can even hang them by their handles on a storage hook in your garage or storage area," says Jeff Land, vice president of merchandising and engineering at DR Power Equipment.<br /> <br /> - Economically smart. A battery-powered, self-propelled lawn mower saves money. Think of all the cash you can save on gas this season, not to mention oil and oil filters. The batteries charge on a standard household current, and most homeowners can mow an average-sized lawn (about an hour of mowing power) without the need to recharge.<br /> <br /> - Environmentally friendly. According to the Environmental Protection Agency, gas-powered lawn equipment generates 5 percent of the air pollution in the United States each year. In addition, a gas-free mower eliminates the noise pollution, gasoline smell, and potential contamination and hazards of spilled gas and oil.<br /> <br /> For more information, visit generaltransmissions.com/en/technology/electric/ to learn more about what makes battery-powered, self-propelled lawn mowers a good choice for today's many homeowners.<br /> <br /> Ref: Gardening - in Blogs

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(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

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(NewsUSA) - Sometimes we're so caught up in all the pro sports stars whose lives have been wrecked by misusing prescription painkillers that we forget the problem extends down to the amateur level.<br /> <br /> And, yes, that does mean college and even high-school sports.<br /> <br /> At least one study put the number of college student athletes who've used prescription medications to enhance their performance at as high as 53.3 percent. And another recent study on high school athletes, published online in the Journal of Child & Adolescent Substance Abuse, reported that 12 percent of male seniors and 8 percent of female seniors admitted to abusing painkillers.<br /> <br /> To former ESPN.com columnist Gregg Easterbrook -- who wrote about painkillers in his book "The King of Sports: Football's Impact on America -- it's no surprise that the largest percentage of those young abusers play football.<br /> <br /> "Youth and high-school players see an example that appears to be of men so tough, they laugh at pain," he wrote. "The message sent is that young players should use their own bodies recklessly."<br /> <br /> So what's a concerned parent to do?<br /> <br /> Well, if your child is experiencing neuro-musculoskeletal-related pain from playing sports-- spinal pain, say, from too many tackles or strained soccer kicks --first know that the Centers for Disease Control and Prevention last March began urging physicians to avoid prescribing opioids for chronic pain in response to a record high 28,647 deaths involving the highly addictive drugs in 2014.<br /> <br /> Know, too, that the most popular non-pharmacologic alternative to routine care is drug-free chiropractic care.<br /> <br /> "Doctors of chiropractic play a key role in sports health care by providing hands-on care that help improve range of motion, flexibility, muscle strength, and other key performance factors," notes the not-for-profit Foundation for Chiropractic Progress' Sherry McAllister.<br /> <br /> Ref: Exercise - in Blogs

(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.<br /> <br /> 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)<br /> <br /> According to Torabi, increasing savings is key to stability and gives people the ability to quickly recover when there are ups and downs.<br /> <br /> 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.<br /> <br /> 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.<br /> <br /> 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.<br /> <br /> 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.<br /> <br /> Check out chase.com/autosave for more information and tips on how to make savings work for you.<br /> <br /> Ref: Crowdfunding - in Blogs

(NewsUSA) - Independent films are the heart and soul of the movie industry. These original works of art have the potential to push the boundaries of film; engage new, underserved audiences and, just maybe, develop into blockbuster hits seen by millions of viewers worldwide.<br /> <br /> This journey of growth, however, is no easy task. For an independent filmmaker, distribution can be the difference between a flop and a million-dollar success.<br /> <br /> How can filmmakers trump this trend? The Movie Studio (TMS) evolved with an answer to this ever-important industry problem.<br /> <br /> The TMS model is two-fold. The company both creates its own movies and simultaneously distributes other independent films. The combination provides TMS with a full library of diverse work that appeals to a broad network of buyers worldwide.<br /> <br /> Currently, TMS is focused on English-speaking films. Plans are in the works, however, to enter the foreign films language market in the near future.<br /> <br /> Gordon Scott Ventures, CEO, stated, "We are very excited to assist many independent producers, with their collective team in their quest for having their efforts rewarded by reaching audiences around the globe."<br /> <br /> TMS' growth comes through enrolling indie producers from the top film schools and film festivals. If recruited, producers have the opportunity to share their work with audiences in more than 60 countries. These moviemakers can also become a member of TMS' growing family of followers, shareholders and supporters, ultimately working together for a mutual profit.<br /> <br /> In addition, TMS continues to prove its value through its finesse and speed, period. The organization prides itself on giving viewers the power to decide for themselves if a film is successful.<br /> <br /> As a pledge to its commitment to the industry, the TMS team has solidified a powerful, well-coordinated media platform through NewsUSA and FilmFestival.com. This platform will boast a strong social media program intended to reach new independent producers and savvy film watchers alike.<br /> <br /> With the indie industry begging for more options to grow, TMS could be in the right position at the right time to swiftly become a leader in the entertainment industry at large.<br /> <br /> To learn more, please visit www.TheMovieStudio.com.<br /> <br /> Ref: Entertainment - in Blogs