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Find the Perfect Engagement Ring this Valentine's Day

(NewsUSA) - Preparing to pop the question this Valentine's Day, but unsure how to choose the right engagement ring? Read on for all the tools you need to make the perfect pick!

While choosing an engagement ring can be exciting, the variety of settings, precious metals, and diamonds can be overwhelming. However, the following tips will help you in finding the ideal diamond engagement ring.

Set your price limit.

Before you start shopping, know how much you want to spend. There is no right or wrong amount to put toward a ring, and many beautiful stones and styles are available to suit any budget. It's important to note that lab-grown diamonds can be up to 40 percent less expensive than mined stones.

Learn the "4 C's" of diamonds.

These are: cut, color, clarity, and carat. Here's the translation:

Cut: The cut of a diamond is the most important factor in determining its fire, brilliance, and sparkle.

Color: Not all diamonds are clear; some have varying tints of yellow.

Clarity: A measure of the number of flaws or inclusions in the stone.

Carat: A measure of the weight of the diamond. However, more weight also indicates a bigger size.

Consider shape.

The common diamond shapes used in engagement rings are round, cushion, pear, oval, princess, radiant, and emerald.

Each of these shapes has its fans and distinctive features. For example, a round diamond is the classic engagement ring style, but the larger facets of a cushion style can enhance brilliance, and the elongated emerald cut presents a bold look that can make a diamond appear larger than its carat weight.

Choose a setting.

Deciding the right setting or diamond shape for your stone is a personal decision. Some people have specific ideas for a setting, and take more time on the stone, or vice versa.

However, not all settings accommodate all shapes so it's important to prioritize one or the other if you are set on a particular shape or setting.

Typical engagement ring styles include the solitaire, a simple band that showcases any diamond shape; halo, in which a central stone is surrounded by smaller diamonds; classic, which features a row of accent diamonds along the ring band; and vintage, which replicates design styles from different time periods.

Contemplate your center stone.

When it comes to your center stone, there are a few different options to choose from. Although diamonds are the most popular, birthstones, moissanite, and cubic zirconia are also great budget-friendly options.

In regards to diamonds, there are two types to choose from: mined diamonds and lab-created diamonds.

While mined diamonds are extracted from the earth, lab-grown stones are guaranteed to be ethically sourced and, as mentioned above, up to 40 percent less expensive.

Both types are identical in terms of chemistry and physical appearance. However, interest in lab-created diamonds has surged in recent years as more couples are concerned with sustainability, as well as beauty and romance.

Ref: Dating - in Blogs

(NewsUSA) - Preparing to pop the question this Valentine's Day, but unsure how to choose the right engagement ring? Read on for all the tools you need to make the perfect pick! While choosing an engagement ring can be exciting, the variety of settings, precious metals, and diamonds can be overwhelming. However, the following tips will help you in finding the ideal diamond engagement ring. Set your price limit. Before you start shopping, know how much you want to spend. There is no right or wrong amount to put toward a ring, and many beautiful stones and styles are available to suit any budget. It's important to note that lab-grown diamonds can be up to 40 percent less expensive than mined stones. Learn the "4 C's" of diamonds. These are: cut, color, clarity, and carat. Here's the translation: Cut: The cut of a diamond is the most important factor in determining its fire, brilliance, and sparkle. Color: Not all diamonds are clear; some have varying tints of yellow. Clarity: A measure of the number of flaws or inclusions in the stone. Carat: A measure of the weight of the diamond. However, more weight also indicates a bigger size. Consider shape. The common diamond shapes used in engagement rings are round, cushion, pear, oval, princess, radiant, and emerald. Each of these shapes has its fans and distinctive features. For example, a round diamond is the classic engagement ring style, but the larger facets of a cushion style can enhance brilliance, and the elongated emerald cut presents a bold look that can make a diamond appear larger than its carat weight. Choose a setting. Deciding the right setting or diamond shape for your stone is a personal decision. Some people have specific ideas for a setting, and take more time on the stone, or vice versa. However, not all settings accommodate all shapes so it's important to prioritize one or the other if you are set on a particular shape or setting. Typical engagement ring styles include the solitaire, a simple band that showcases any diamond shape; halo, in which a central stone is surrounded by smaller diamonds; classic, which features a row of accent diamonds along the ring band; and vintage, which replicates design styles from different time periods. Contemplate your center stone. When it comes to your center stone, there are a few different options to choose from. Although diamonds are the most popular, birthstones, moissanite, and cubic zirconia are also great budget-friendly options. In regards to diamonds, there are two types to choose from: mined diamonds and lab-created diamonds. While mined diamonds are extracted from the earth, lab-grown stones are guaranteed to be ethically sourced and, as mentioned above, up to 40 percent less expensive. Both types are identical in terms of chemistry and physical appearance. However, interest in lab-created diamonds has surged in recent years as more couples are concerned with sustainability, as well as beauty and romance. Ref: Dating - in Blogs

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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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Let me take you for a ride to the beach

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Amateur Athletes Seek Non-Opioid Pain Relief

(NewsUSA) - They may not make those "Agony of Defeat" sports reels, but amateur athletes get injured all the time. Maybe it's from an awkward golf swing. Or maybe it's from not warming up or stretching before an event.

Whatever the cause, though, there's one scary thing they have in common with the pros.

"The reality is that all athletes are one fall, twist, or tweak away from landing their own opioid prescription," Outside magazine warned.

The warning couldn't be better timed. It's not just that the country is in the midst of an opioid crisis that's claimed the lives of thousands of prescription painkiller abusers and left countless more addicted to the likes of OxyContin. It's also that -- as the magazine also noted -- physicians seem to be starting to heed last year's urging by the Centers for Disease Control and Prevention to dramatically curtail prescribing the drugs.

According to a survey conducted for the Boston Globe by the SERMO physicians social network, more than half of doctors across America are doing exactly that, and nearly one in 10 have completely stopped prescribing them.

So what's an amateur athlete suffering from pain supposed to do? One especially popular alternative is drug-free chiropractic care.

Whereas opioids (and Ibuprofen forms of over-the-counter drugs) only "mask" the pain, doctors of chiropractic approach the problem highly educated and trained in the structure and function of the human body.

And they use hands-on techniques to help enhance flexibility, muscle strength, and range of motion -; the very things all athletes need addressing. And yes, as the Foundation for Chiropractic Progress' Dr. Sherry McAllister says, chiropractic is covered by most insurance and health plans.

To locate a nearby doctor of chiropractic,visit f4cp.com/findadoctor.

Ref: Cool - in Blogs

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The law of nature in action at its purest form

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Wonderful evening where the lights sing

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Turn a Bad Dog Into an Obedient Pooch

(NewsUSA) - Is your dog bad to the bone? Does your sweet Jack Russel guard all doors from intruders -- friends and family included? Or is it your Boxer puppy that won't stop shredding socks and underwear? Some of the cutest pooches have the worst manners. Whether you're at work or just in another room, their mischievous play may lead to anything from home repairs to staggering vet bills.

Pooches and owners alike can relate to this common problem, and getting the magical, behavioral transformation you've always fantasized about is closer than you think -- pet care authority Camp Bow Wow held a contest, "Bad to The Bone: Camp Bow Wow's Worst Behaved Dog Contest," to discover North America's most ill-mannered dog. The winning pooch received a full year of free services ($3,000 value) at a local Camp or Home Buddies (an in-home care service offered by Camp Bow Wow) of their choice. Most importantly, the winning dog also received free dog training to correct those bad habits.

If you are a frustrated pet owner who doesn't have time to wait to win a contest like this, here are five dog-training tips straight from the Behavior Buddies experts at Camp Bow Wow to get you started:

1. Proper exercise is key! A majority of behavior issues stem from a lack of proper exercise. At least one 30-minute walk per day is sufficient for most dogs. Playing in the backyard or in the house does not count as exercise.

2. Buy a dog backpack for walks. This allows your dog to have a job and adds weight with objects like water bottles or hand weights so the dog expends more energy.

3. Challenge your dog with brain puzzles. A mentally tired dog will not spend time thinking about how to get in the garbage or waste breath yipping at neighbors.

4. Take a training class. Getting your dog to respect you is critical to having your dog listen to you.

5. Send your dog to Camp Bow Wow or hire a Home Buddies Care Giver to take Fido on a walk. A tired dog is a good dog!

If your beloved Fido is still opening cabinets and devouring furniture, enter him or her in Camp Bow Wow.

For more information, visit www.campbowwow.com to see the location finder for the nearest Camp Bow Wow or Home Buddies near you.

Ref: Funny - in Blogs

(NewsUSA) - Is your dog bad to the bone? Does your sweet Jack Russel guard all doors from intruders -- friends and family included? Or is it your Boxer puppy that won't stop shredding socks and underwear? Some of the cutest pooches have the worst manners. Whether you're at work or just in another room, their mischievous play may lead to anything from home repairs to staggering vet bills. Pooches and owners alike can relate to this common problem, and getting the magical, behavioral transformation you've always fantasized about is closer than you think -- pet care authority Camp Bow Wow held a contest, "Bad to The Bone: Camp Bow Wow's Worst Behaved Dog Contest," to discover North America's most ill-mannered dog. The winning pooch received a full year of free services ($3,000 value) at a local Camp or Home Buddies (an in-home care service offered by Camp Bow Wow) of their choice. Most importantly, the winning dog also received free dog training to correct those bad habits. If you are a frustrated pet owner who doesn't have time to wait to win a contest like this, here are five dog-training tips straight from the Behavior Buddies experts at Camp Bow Wow to get you started: 1. Proper exercise is key! A majority of behavior issues stem from a lack of proper exercise. At least one 30-minute walk per day is sufficient for most dogs. Playing in the backyard or in the house does not count as exercise. 2. Buy a dog backpack for walks. This allows your dog to have a job and adds weight with objects like water bottles or hand weights so the dog expends more energy. 3. Challenge your dog with brain puzzles. A mentally tired dog will not spend time thinking about how to get in the garbage or waste breath yipping at neighbors. 4. Take a training class. Getting your dog to respect you is critical to having your dog listen to you. 5. Send your dog to Camp Bow Wow or hire a Home Buddies Care Giver to take Fido on a walk. A tired dog is a good dog! If your beloved Fido is still opening cabinets and devouring furniture, enter him or her in Camp Bow Wow. For more information, visit www.campbowwow.com to see the location finder for the nearest Camp Bow Wow or Home Buddies near you. Ref: Funny - in Blogs

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The Rise of Digital Wallets and Mobile Payments

(NewsUSA) - More businesses and countries worldwide are embracing digital payments as a way to make e-commerce more efficient and create a smoother transaction experience for consumers.

Digital wallets, such as uBUCK, offer a dollar-backed stable token built on Waves blockchain technology, one of the fastest blockchains available. uBUCK's technology allows for the management of both digital and traditional currency, and both online and offline purchasing power.

"Piloted by an all-star management team, uBUCK is looking beyond carving out a niche to become a disruptive player in this ever-changing payments industry," according to the company's website.

The uBUCK digital wallet allows for instant transfers of funds, and unlike some digital wallets, uBUCK is not limited to the United States. Transfers can occur globally, with no transfer fees and no cost to the end user.

The elimination of transfer fees is one of uBUCK's strongest selling points, as it is an option for those who don't have traditional bank accounts, such as migrant workers looking to send money home, or for anyone else, such as parents sending money to kids at college who want to avoid the additional fees associated with some financial transfers.

Users of uBUCK can transfer funds, make online purchases, or withdraw cash at an ATM, although reports on digital wallet use suggest that the expanded technology may ultimately replace the need for bank branches and ATMs.

Sending money with uBUCK is a simple, four-step process:

* Buy the voucher. Users download the uBUCK app and purchase a voucher.

* Buy uBUCK cash. Users redeem a PIN to purchase uBUCK cash.

* Select recipient. Users without a uBUCK account will be invited to the app via email.

* Send payment. Users can then enter the payment amount, send, and confirm.

"Our mission is to put honesty, transparency, and trust back into software," according to Ashik Karim, CEO of LiteLink Technologies, the parent company of uBUCK Technologies. LiteLink was recently featured in a Forbes magazine article, "10 Blockchain Companies to Watch in 2019."

LiteLink is publicly traded on the Canadian Securities Exchange and OTC Markets. Their symbols are CSE:LLT and OTC:LLNKF.

Ref: Apps - in Blogs

(NewsUSA) - More businesses and countries worldwide are embracing digital payments as a way to make e-commerce more efficient and create a smoother transaction experience for consumers. Digital wallets, such as uBUCK, offer a dollar-backed stable token built on Waves blockchain technology, one of the fastest blockchains available. uBUCK's technology allows for the management of both digital and traditional currency, and both online and offline purchasing power. "Piloted by an all-star management team, uBUCK is looking beyond carving out a niche to become a disruptive player in this ever-changing payments industry," according to the company's website. The uBUCK digital wallet allows for instant transfers of funds, and unlike some digital wallets, uBUCK is not limited to the United States. Transfers can occur globally, with no transfer fees and no cost to the end user. The elimination of transfer fees is one of uBUCK's strongest selling points, as it is an option for those who don't have traditional bank accounts, such as migrant workers looking to send money home, or for anyone else, such as parents sending money to kids at college who want to avoid the additional fees associated with some financial transfers. Users of uBUCK can transfer funds, make online purchases, or withdraw cash at an ATM, although reports on digital wallet use suggest that the expanded technology may ultimately replace the need for bank branches and ATMs. Sending money with uBUCK is a simple, four-step process: * Buy the voucher. Users download the uBUCK app and purchase a voucher. * Buy uBUCK cash. Users redeem a PIN to purchase uBUCK cash. * Select recipient. Users without a uBUCK account will be invited to the app via email. * Send payment. Users can then enter the payment amount, send, and confirm. "Our mission is to put honesty, transparency, and trust back into software," according to Ashik Karim, CEO of LiteLink Technologies, the parent company of uBUCK Technologies. LiteLink was recently featured in a Forbes magazine article, "10 Blockchain Companies to Watch in 2019." LiteLink is publicly traded on the Canadian Securities Exchange and OTC Markets. Their symbols are CSE:LLT and OTC:LLNKF. Ref: Apps - in Blogs

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Serenity Awaits at Calabash Cove Resort & Spa St Lucia

Travelers who are seeking serenity as part of their quintessential Caribbean luxury resort experience will find their perfect getaway at Calabash Cove.

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.

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.

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.

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.

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.

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