<br /> <br /> <span style='display:none' class='DO NOT REMOVE - THIS CATEGORY CODE WILL BE HIDDEN - IT IS NEEDED TO BE FOUND BY CATEGORY AND ONE-CLICK SEARCH'>Category: Photography - in Blogs</span>

(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

<br /> <br /> <span style='display:none' class='DO NOT REMOVE - THIS CATEGORY CODE WILL BE HIDDEN - IT IS NEEDED TO BE FOUND BY CATEGORY AND ONE-CLICK SEARCH'>Category: Photography - in Blogs</span>

<br /> <br /> <span style='display:none' class='DO NOT REMOVE - THIS CATEGORY CODE WILL BE HIDDEN - IT IS NEEDED TO BE FOUND BY CATEGORY AND ONE-CLICK SEARCH'>Category: Photography - in Blogs</span>

Social media is a search engine. Learn how to get found. <a onclick="$('#phonebook-category-no-city').val($(this).text());" class="coolinks btn-scroll hashword" href="https://stallios.com/blogs/category/1">Marketing</a><br /><br /><br /><br /><span style='display:none' class='DO NOT REMOVE - THIS CATEGORY CODE WILL BE HIDDEN - IT IS NEEDED TO BE FOUND BY CATEGORY AND ONE-CLICK SEARCH'>Category: Marketing - in Blogs</span><br /><br />If you're on social media but no one's finding you, you're not a ghost—you’re just invisible.<br /><br />Let’s have a little truth fest, shall we?<br /><br />You keep posting. You're dancing. You're showing your iced coffee. You're even dropping wisdom that should get you a book deal. But the only one liking your stuff is your aunt Tammy and that one MLM girl who’s always “cheering you on.”<br /><br />Mama, let me say this with love and a strong shot of espresso (decaf if you're off caffeine like a psycho):<br />Social media is not just for showing up. It's for getting found.<br /><br />That’s right. Instagram. TikTok. Pinterest. Facebook. Even LinkedIn if you’re feeling fancy.<br />They’re not just platforms — they are search engines in glitter and crop tops.<br />Social Media = Search Engine (Yes, Really)<br /><br />Let me break it down like your toddler breaks down when you cut the sandwich the wrong way.<br /><br />All of these platforms have search bars. You know what that means?<br />People are typing things like:<br /><br /> “Mom blog”<br /><br /> “Easy vegan toddler meals”<br /><br /> “Freelance writing tips”<br /><br /> “Jesus and coffee memes” (okay maybe that’s just me)<br /><br />If your profile isn’t optimized, you could be serving up exactly what they need—and still be chilling in the shadow realm of the algorithm. No ma’am. We don’t do invisible over here.<br />1. Your Name Is Prime Real Estate<br /><br />Stop putting “✨Mama of 3✨” in your name field. I love your babies, but that’s not what people are searching.<br /><br />Instead, tell the algorithm what you do.<br />Example:<br />Erica | SEO Copywriter for Moms<br />or<br />Jess | Pinterest Coach for Bloggers<br /><br />Now when someone types “Pinterest coach,” boom. You’re in the game.<br />2. Your Bio Is a Mini Sales Page<br /><br />That little box? It’s not a throwaway. It's not for inspirational quotes. It’s for hooking followers like the savvy mama boss you are.<br /><br />Format cheat code:<br /><br />👋 Who you help<br />💡 What you help them do<br />🔗 Your freebie or offer<br /><br />Example:<br />Helping writer moms grow their blog + make bank online 💸<br />👇 Grab the free SEO checklist<br /><br />Short. Sassy. Searchable. Yes please.<br />3. Keywords. Yep, Even on Instagram.<br /><br />Pinterest mamas already know the power of keywords. But IG? TikTok? Yes girl. They’ve been creeping on your captions this whole time.<br /><br />Use the exact words your dream audience would type. You’re not just posting a reel. You’re posting a searchable piece of content.<br /><br />Instead of:<br />“Loved making this for dinner!”<br />Try:<br />“Easy one-pan vegan meal for busy moms 🍽️ #veganrecipes #quickdinnerideas #momlifehacks”<br /><br />Don’t keyword stuff. We’re not robots. But do give the platform something to latch onto.<br />4. Hashtags Aren’t Dead, They’re Just Boring If You Use ‘#Blessed’<br /><br />Choose hashtags that are specific to your niche and content. Think of them as little roads leading people to your profile.<br /><br /> #MomBloggerTips<br /><br /> #ChristianMomsWhoWrite<br /><br /> #FreelanceWritingLife<br /><br /> #FaithBasedBiz<br /><br />Keep a rotating list. And for the love of viral reach, don’t just copy and paste the same 30 dead hashtags on every post.<br />5. Your Content Needs to Scream “Hey Algorithm, Pick Me!”<br /><br />Here’s the hard truth, boo:<br /><br />If you're just vibing, you're blending in.<br /><br />Your content needs to answer questions, solve problems, or entertain in a way that makes the algorithm go, “Ooh, I know someone who’d love this.”<br /><br />So instead of vague captions like,<br />“Just showing up today 🥰”<br />Try:<br />“Here’s how I built a blog that gets 1,000+ monthly visits—with no tech degree and 3 kids screaming in the background.”<br /><br />Because THAT, my friend, is search engine gold.<br />Final Word from Your Favorite Truth-Teller<br /><br />You’re not too late. You’re not too old. You’re not too small.<br />You’re just not searchable—yet.<br /><br />Social media doesn’t reward mystery. It rewards clarity.<br />So rewrite that bio. Add keywords to your captions. Use that name field like your business depends on it—because it kinda does.<br /><br />And if you're still feeling stuck, don’t worry—I got you.<br />Follow me for more great tips or DM me with questions.<br /><br /><br />Now go make the algorithm your sidekick, Mama.<br />You’re building an empire—and empires don’t hide.

(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) - Beauty, like health, goes beyond the visible surface. While many of us manage our wellness via diet, exercise and check-ups, we don't apply the same 360-degree approach to our beauty regimen. It's possibly due to lack of viable options.<br /> <br /> Neauvia International Group recognizes this incongruity and aims to transform the way we practice beauty and solve skin care challenges by extending its premium energy-based devices into the United States.<br /> <br /> In the hands of trained medical aesthetics professionals, Neauvia devices leverage sophisticated technology such as thermo-lifting and water peeling to deeply target your areas of concern. With years in the global skin care market, Neauvia's approach pairs this advanced technology with specially formulated skin care for remarkable results.<br /> <br /> "Over a decade of Neauvia's international skin care success has taught us that a single product does not meet the overall demands of and desired outcomes for patients or providers," says Sean Wilson, President of newly launched Neauvia North America. Best-in-class treatments do, however. They also require training and certification. So, take time to research your local plastic surgeons, dermatologists, aestheticians and med spas because they offer you access to these revolutionary non-invasive treatments that are not available for home use, and to professionals qualified to use them. They'll work with you to customize an optimal treatment plan to achieve your desired results.<br /> <br /> Often, using multiple technologies per session yields a marked difference. The Zaffiro treatment combines thermo-lift technology with the gentle exfoliation of water-resurfacing and specific solutions for your skin type and desired results. It delivers lifted, tightened and hydrated skin with less visible lines and wrinkles.<br /> <br /> Energy-based devices strengthen and surpass home treatments. Let's say you love the fresh feeling and smooth, even texture of your skin after you do an at-home face scrub. Try adding a water-peeling facial like the Zaffiro treatment once a month for more deeply cleansed and revitalized skin.<br /> <br /> Treatments can rejuvenate beyond your face and neck. Zaffiro's thermo-lift technology gradually heats the deep layers of the skin, stimulating collagen and prompting lifting and tightening effects. It can be applied to tighten the décolleté and upper arm skin, give the tummy and derriere a firm appearance and even help tighten up post-pregnancy belly skin.<br /> <br /> Innovative energy-based devices can yield beautiful effects by working with the body's natural functions in a way that is safe, reliable, and non-invasive. They're less costly and require little to no downtime. This makes them an excellent way to fine tune your appearance and delay signs of aging without a lengthy recovery time. In fact, many of these innovative treatments provide results when done over a lunch hour! Dr. Joshua Weitz, MD, CEO of Dermatology Associates of Rochester sees them growing in appeal and use. "The non-invasive market is the future, and I anticipate Neauvia will be a guiding light in providing exceptional solutions," Weitz says.<br /> <br /> A well-rounded skin routine ensures that your actions - daily, monthly, over time - compound for outstanding outcomes. Incorporating treatments using Neauvia energy-based devices is simple yet addresses the complexity of your skin and helps attain your best overall skin health and appearance.<br /> <br /> Ref: US - News

(NewsUSA) - Three square meals a day are a thing of the past. Busy schedules, diverse dietary preferences and the flow of modern life necessitate more flexible and convenient meals. Luckily, snacking is in the midst of a revolution. Traditional snacks like chips and pretzels have given way to bigger, better and healthier options that deliver both convenience and nutrition in one tasty package. Whether clean-label, organic, vegan or nutrient-added, it's up to ingredient suppliers and manufacturers to develop products that meet all of these demands. That's certainly a tall order.<br /> <br /> While there are no standard requirements for clean label snacks, naturally derived gums, hydrocolloids and colors are generally accepted in such applications and have become increasingly popular. You might see these ingredients listed as carrageenan, a soluble fiber from red seaweed, or cellulose gel, which is a refined plant fiber. In many foods and beverages, these ingredients improve shelf life and nutritional value without diminishing taste -- like giving drinkable low-fat yogurt that distinctive creamy consistency with every sip.<br /> <br /> They also prove quite functional in products that meet strict dietary requirements, like gluten-free and vegetarian options. Hydrocolloids and gums like carrageenan, alginates and cellulose gel can be sustainably sourced from nature and are perfectly suited for vegetarian and vegan foods. Either by improving the flavor and fullness of meatless sausage or producing non-dairy ice cream with that definitive indulgence and delectability, these ingredients are making new snacking options both possible and palatable.<br /> <br /> Reducing the number of ingredients in a recipe is one challenge and, more recently, adding ingredients has become another. We want foods and beverages with added value, but it's important to understand that introducing vitamins or nutrients to any product can significantly affect flavor and texture. Enriched, shelf-stable snacks that boast added protein need a stabilizer to maintain the quality of the product. Without the added ingredients like carrageenan, similar products might separate, taste chalky or be less effective than their claims imply.<br /> <br /> Food companies are adapting their product formulations and rolling out new products to meet demand for healthy snacking solutions. Naturally derived ingredients that help reduce fat and sugar content but maintain product integrity are changing the way we snack. They deliver that indulgent experience we all appreciate. For more information on ingredients that give us a variety of snacks for a wide range of diets, please visit www.FoodScienceMatters.com.<br /> <br /> Ref: Cooking - in Blogs