(NewsUSA) - Now more than ever, building relationships is important to small businesses so they can compete in the global marketplace.<br /> <br /> The Smart Money Network is a community of digital marketing experts whose mission is to support entrepreneurs as they grow their businesses, especially in the new and increasingly online economy.<br /> <br /> Having a partner to navigate the field of digital marketing can help small businesses get the edge they need. The Smart Money Network collaborates with small business clients and coaches them on how to engage a target audience with the right message at the right time, using a combination of digital tools and the power of persuasion. <br /> <br /> The Collaboration Starts with A Conversation. <br /> <br /> "Conversation is the seed of opportunity," according to the Smart Money Network website. Experts work with small business owners and entrepreneurs to find and build relationships with their target audiences using social media platforms such as LinkedIn, then deploy tried-and-true principles of persuasion that convert to new business opportunities.<br /> <br /> Author Robert Cialdini describes six principles of persuasion in his book, "Influence - The Psychology of Persuasion." These principles include the concepts of scarcity (making your product or service seem more desirable), reciprocity (using small favors to entice), likability (pleasantness can go a long way), consensus (word of mouth that others use your product or service), consistency (customers need to feel they can count on what you say you will deliver), and authority (make sure you support your products or services with facts about your experience and credentials).<br /> <br /> These principles can be applied in the world of digital marketing, which is becoming increasingly essential in the post-COVID-19 entrepreneurial environment. More people are spending more time online, and learning how to grab the attention of potential clients can help businesses flourish.<br /> <br /> Smart Money Network creates intentional done-for-you social media campaigns that position clients as authoritative and credible resources, and drives up to 30 new business opportunities a month.<br /> <br /> According to Smart Money Founder and CEO Mike Harris, "You only have about three seconds to capture someone's attention and give them enough information to determine whether you are worth connecting with."<br /> <br /> Visit smartmoneynetwork.net to learn more about how to make the digital connections that can boost your business.<br /> <br /> Ref: Finance - in Blogs

(NewsUSA) - Well, actually, it's both … the charm of hummingbirds is most certainly apropos and "a charm" of hummingbirds is actually factual! Yep, that's right, the collective noun for these unique creatures - just like a gaggle of geese or a flock of birds, is a charm of hummingbirds. Since the definition of the noun 'charm' is "the power of giving delight or arousing admiration," one doesn't need to be a wordsmith to see how right that is. <br /> <br /> Hummingbirds are charming. <br /> <br /> And there are over 330 varieties of the species, Trochilidae, which is their biological family name and they're found in the Western Hemisphere. When one sees a hummingbird, it's a stunning, stop-in-your-tracks sight. Their brilliant throat color is actually a result of the iridescence in the arrangement of their feathers, not color pigment. Light level, moisture, angle of viewing and other factors all influence just how bright and colorful their throats may appear. Perhaps you've heard them, too - the name hummingbird comes from the buzzing sound of their fast-flapping wings.<br /> <br /> Hummers are migrant birds, so although many stay close to the Equator, lots of varieties travel this time of year, so there may be a 'charm' coming to your backyard soon. If you have the desire to see one up close or are curious about how to attract them to your yard, the folks at Cole's Wild Bird Feed Co have got you covered. First, they figured out the engineering of an elegant, deceptively simple, easy-to-use (and easy-to-clean!) feeder. The patented Hummer High Rise has a clever design that offers a stress-free position for your charming guests to get their fill, a fantastic 360-degree vista, all the while keeping other unwanted creatures at bay.<br /> <br /> For example there's an ant moat that stops the armies of industrious workers who'd love to get some sweet nectar, from beating a path to the liquid food. The genius is, it's an actual moat, with nothing but H2O keeping the ants at bay, so while it does its job, it doesn't do harm. Nice! <br /> <br /> A charm magnet. <br /> <br /> The second definition for the noun 'charm' is a small ornament worn on a necklace or bracelet. Hummingbirds weigh on average the same as a nickel, so while you'll want to wear a replica from the jewelers, Hummers can be your own garden's jewelry all season long.<br /> <br /> And in return for their arousing your admiration, they'll feed on those annoying garden insects and pests. For their small size, hummers eat a lot. They are voracious eaters, feeding on mosquitos, gnats, spiders, aphids and other six-legged creepy crawlers. But, besides pests for protein, their primary 'food group' is nectar, which they get in by flitting from flower to flower and using their long beaks and equally long tongues to get their fill. All that flitting is exhausting!<br /> <br /> Since hummingbirds drink up to half their body weight a day of nectar you can help them out by keeping your High Rise fully stocked, for a one-stop fill of their favorite nectar treat.<br /> <br /> Let's not leave out the definition of the verb, "charm," which is to "delight greatly." If you want these Disney-esque caricatures to delight you on a regular basis with their wonder - and bring their distinctive song to your yard - there is something you can buy: the creme-de la creme of what these charmers crave: Nature's Garden from Cole's.<br /> <br /> By identifying and harnessing the nutrients of the hummer's favorite wildflowers, and tapping their vast store of wild bird knowhow, Cole's has created the next-best-thing to actual flower nectar - a proprietary formula that's far and away a cut above your 'garden-variety' sugar water. Nature's Garden is a healthy, all-natural alternative to homemade syrup, no mixing and no boiling required. It comes in an eco-friendly soft pouch; just shake and pour. You'll be delighted with how easy it is to keep your hummer feeder filled and overjoyed at seeing hummers frequent your yard. Your neighborhood hummingbirds will love it, so they'll keep coming back.<br /> <br /> A brief postscript: a natural predator to the hummingbird is the praying mantis. Despite their equally small size and saintly appearance, they feed on our fascinating feathered friends and are a real threat (and a protected species), so if you find a mantis hanging around your High Rise, take care to evict it gently, to a lower piece of real estate and keep hummers safe.<br /> <br /> Ref: Camping - in Blogs

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(NewsUSA) - How much will I need for my kid's college education? And how the heck will I pay for it?<br /> <br /> With the cost of a four-year degree rising nearly eight times faster than wages since the 1980s, those two questions are enough to give today's parents a serious case of night sweats. You can argue about the reasons for the disconnect -Administrative costs? Fancy amenities? - but you know there's a problem when a writer at Education Week is incensed.<br /> <br /> "Madness," she decried.<br /> <br /> Which is all the more reason to mark May 29 down on your calendar.<br /> <br /> Otherwise known as National 529 College Savings Plan Day -Get it? 5/29? - it's the perfect time to consider setting up one those tax-advantaged 529 plans, as they're called, to help sock money away to cover tuition, books and other education-related expenses at most accredited two - and four-year colleges, universities and vocational-technical schools.<br /> <br /> "It's a way of keeping your son or daughter from being saddled with too much debt when it's time to jump start their careers," explained Melissa Ridolfi, vice president of retirement and college products at Fidelity Investments. "Plus, any investment earnings compound on a tax-deferred basis, and qualified withdrawals are entirely free from federal and state income taxes."<br /> <br /> And now to the big question: How much?<br /> <br /> Two factors are mainly at play:<br /> <br /> * Public vs. private schools. The cost difference can be about as mind-boggling as "Avengers: Endgame's" record $357.1 million opening weekend domestic haul: an average of $21,370 a year at the former, according to the College Board's latest figures, as opposed to $48,510 at the latter.<br /> <br /> * The percentage of the bill you plan to foot. If you were counting on scholarships and other grants to pick up all or most of the tab, you should probably rethink that unless your kid is either a bona fide child prodigy or football star. Sallie Mae's "How America Pays for College" 2018 report found that both categories combined paid for just 28 percent of college costs.<br /> <br /> One guess where 47 percent of the costs came from. That's right, "family income and savings," with another 24 percent covered by borrowing.<br /> <br /> In other words, as Ridolfi said, "any way you look at it, the family is on the hook to pay the lion's share of college expenses." Which probably helps explain why a recent Fidelity study found that parents are increasingly starting to save before their child even reaches the age of two.<br /> <br /> To see where you stand, try using what Fidelity calls "the college savings 2K rule of thumb." Simply multiply your child's current age by $2,000 to figure whether your savings to date are generally on track to handle approximately 50 percent of the College Board's $21,370-a-year average cost of attending a four-year public college.<br /> <br /> Or, especially if you want a more customized estimate - one that lets you play around with percentages and switch back and forth between public and private schools - the firm's free online college savings calculator takes the angst out of doing the math yourself.<br /> <br /> Fidelity provides 12 savings ideas to help reach your own goal, and offers a choice of two different investment strategies in the 529 savings plans it manages - including an age-based portfolio of funds that automatically becomes more conservative as the beneficiary nears college age.<br /> <br /> Hopefully, armed with all that info, you'll be sleeping better at night.<br /> <br /> Ref: Family - in Blogs

Just me writing my little story! It's a coming of age story about a girl graduating from high school and not being sure where to go from there. Her family and friends help her out with a little bit of chaos and a lot of luck!<br /><br />There are too many people here. It’s a boarding school, and yet, there are so many people and no places to sit. Hailey flutters past with Mouse hot on her heels, as they usually were, and I reach out to grab Hailey’s arm, causing her to do a funny little twirl thing and for Mouse to bump into her. <br />“Sorry!” Mouse squeaked and jumped back a step, their sneakers making a funny noise on the floor. <br />“Not your fault… Are you coming to the soccer party?”<br />“Nah, I’m gonna stay here. Hails and I are breaking up when you two leave this party so I figure I can’t really show up on her arm.” Hailey rolled her eyes as Mouse spoke, and I once again wondered how the two of them had managed to put an end date on their relationship and actually have it work out. They had sort of always known that they wouldn’t last outside of high school, so after the party they would just go back to being friends. It didn’t make sense to me, but whatever, I wasn’t either of them. <br />“Alrighty… I was actually about to ask Hailey when we were going to leave, but um, if you two want to stay? I don’t wanna rush out, but the band kids aren’t really my crowd…” Hailey grinned at me and blew a kiss as she grabbed Mouse’s hand. <br />“We can leave as soon as I say bye to everyone! Thank you for coming!” I rolled my eyes as they disappeared in the sea of people and I shrunk back to the corner and pulled out my phone. It wasn’t that I disliked the band kids, they were all pretty cool, I just didn’t know them well enough to party. <br />I had a text from Leo, Hailey’s older brother, a few from Evelyn and a good night text from Cardan, that simultaneously requested that I tell the theater kids he was sorry he couldn’t make it. More than likely, if I looked at their group chat, he had already sent twenty apology texts and there was no reason for me to do that. I shot Evelyn a quick text that said I would be leaving as soon as Hailey was ready, which we both knew meant I would not be leaving for at least a half an hour, then I settled against the wall to text Leo. <br />Leo has been best friends with my older brother Zebediah since he started going to school here, they even opened a cafe together. Plus, he and Hailey get along super duper well, so I’ve become friends with him. His current text was just reminding me to not stay out too late so I wouldn’t be exhausted and sleep through my alarms tomorrow. <br />T: I don’t sleep through alarms with Evelyn around haha. That girl would wake up to a pin drop :p <br />L: Valid. Have you made it to the soccer party yet, or is Hails still procrastinating her doomed relationship ending?<br />T: I wouldn’t call it procrastinating…. More like socializing so people don’t realize they broke up haha<br />L: I don’t think I will ever understand those two<br />T: You just have to remember Yolanda, and it all makes sense again<br />L: Tia, nobody remembers Yolanda like I do lmao<br />L: I lived with Hails that summer, remember?<br />T: Hahaha you live with her every summer goofus<br />L: I could be living with you every summer though ;)<br />I rolled my eyes and left him on read, sliding my phone back into my pocket so I could find Hailey and pretend that her brother didn’t just flirt with me. She knew he did though, and it wasn’t like I didn’t flirt back, we just didn’t actually like each other. It was still her brother though, so I was never allowed to mention it. <br />Pushing off the wall, I went to find her, sliding past kids I had known my whole life and trying to ignore the nagging feeling of doom about the fact that I would never again see all of us in one room. We would never be the same kids again, and we were all about to go live real lives, not closed up in a boarding school. <br />Hailey was in the middle of the dance floor when I found her, with Mouse wrapped around her, and they looked deep in conversation, so I backed away, but Hailey spotted me and held up a finger, so I didn’t wander far, just turned to say hi to Mae, a violinist in the band. <br />“You ready to be out?” She called over the music. I laughed and nodded, and she patted my arm. <br />“Tell your girls I said good job last week, and good luck in college! I like you all, but I am not about to go to a jock event with no alcohol!” She lifted her Solo cup with a salute-like gesture and then pointed over my shoulder before waving and walking away. If I hadn’t known the universal signal for “Hailey is coming, gotta go”, I probably would have questioned the quick exit. Some people just knew that she talked a lot and did not have the time. <br />“Ready, Freddy?” Hailey asked, slinging an arm around my waist, as though it was my shoulder. I looked down at her, and she grinned up at me, so I nodded. The breakup must have gone to plan if she wasn’t upset. She skipped out of the room, somehow dragging me along, despite me being almost over a half a foot taller than her tiny 4’ 10” person. <br />Once we were outside of the dorm collection that was hosting the band event, Hailey did a little twirl and grinned at me, stopping me where I stood. <br />“Are you ready for the best night of your high school life? Ready to say goodbye to all of your teammates and start your fabulous life as a rockstar?” A snort escaped me and I patted Hails on the head before tugging her down the hallway. <br />“I guarantee that I will not become a rockstar if I become anything. Not a rockstar, not a professional athlete, and definitely not an actress.” Hailey had started throwing random jobs at me this past week, trying to find one that clicked. Of course, she never threw out valid options, just ridiculous ones that I would never actually become. <br />A shriek and then my name being yelled alerted me to the presence of Evelyn about five seconds before she launched herself into my arms. <br />“Oh my god, you won’t believe what is happening in there! Gina is WASTED!” <br />“I thought real athletes didn’t drink?” Hailey cried as she shoved past the two of us to get to the dorm cluster that was hosting the “jock people”, which really just meant the kids who played sports, but we weren’t all serious jocks. <br />“Gina isn’t going pro, so she decided that she wanted to get wasted with us once before we all head our separate ways. Katrina, Lucy and Cam are a little tipsy, but most of us are sober.” Evelyn punched my arm on “us” like she was implying that I was part of the “real athletes” squad. I didn’t drink because I wanted to be in good shape for the sports and because I liked runner’s high, not because I was going pro like a lot of my teammates. <br />“And the guys…” I trailed off as Evelyn and I finally followed Hailey into the party and I found a horrifying scene in front of me. If Katrina, Lucy and Cam were tipsy, I did not want to see Gina. The three girls were standing on a table, doing the macarena and singing Sweet Caroline as the welcome committee and just behind them, I could see Parker, Isaac, Dominic and Justin lining up shots, all four of them shirtless and screaming. <br />“Welcome to Hell!” Evelyn cried as she pulled me past the alcoholics and into the main room. Gina was laying in the middle of the floor, but everyone else was mostly just mingling and hugging, a couple people were crying, and I relaxed at that. I did not want to drink and I was worried my friends had lost their minds for a second. We just weren’t those people usually. I normally felt okay about not drinking at parties with them. <br />“T! Come over here!” Veronica, our goalie, waved me and Evelyn over to a group of girls who were sitting on a couple couches and chatting. I headed over, glancing around for Hailey, but I wasn’t worried when I didn’t find her. She was probably halfway done with her rounds or caught up talking to someone. <br />I joined the girls on the couches and Bea Olsen pulled a bag of pretzels out from behind a pillow and offered me one. <br />“Gina tried to run off with them earlier,” she explained as Bea Klutz offered me a carrot from next to Bea Olsen. <br />“She did not try to steal the carrots though,” I laughed and relaxed into the couch, content to talk to my teammates for one more night.<br />A little while later, Evelyn tapped my arm and I nodded, grabbing one more carrot before standing up. The Beas simultaneously cried no and jumped up to hug us. <br />“Don’t go yet! You only have to be up in…” Glancing at her watch, Bea Olsen cringed, “four hours… Oopsie!” I laughed and hugged her back, biting my lip so I wouldn’t cry as a whole line of teammates that I had known my whole life and worked with, slept with, breathed with and basically lived in each other’s back pockets during soccer season hugged me and said goodbye. We would all see each other on the train tomorrow, but it just wasn’t the same. This was our last soccer night. This was the last time I would see the Beas, or Veronica for a very long while, since they had all been recruited to play soccer in America. A few others had made soccer teams, but more local, or just at a college, but I still wouldn’t see them as much. <br />“Hey, keep in contact, yeah?” Veronica asked as she hugged me, squeezing tight. I hugged her as tightly as I could, nodding even though she couldn’t see me. We held on for a little longer than the others had, and I buried my face in her neck before pulling back and letting her hug Evelyn as I pulled myself together. Evelyn grabbed my hand as we left the party, neither of us looking back. <br />The walk back to our room was pretty quiet, and when we got there, Evelyn squeezed my hand before heading to her dresser to grab pajamas. <br />“5 am, right?” There was a crack in Evelyn’s voice as she asked, but I replied just like I had everyday since seventh grade. <br />“Always,” I whispered as I grabbed my own pajamas and headed to change my clothes.<br /><br />The next morning, when my alarm went off and I looked at Evelyn sitting up, I bit my lip to hold off the tears as we changed into our running clothes and headed out. Evelyn offered me her earbud and I dug my nails into my palm so I didn’t cry. When Don’t Stop Believin’ played, I pulled my hair a little harder than usual into a ponytail so I would have an excuse for the tears welling. If we ran a little slower than usual, it was because we were tired, not because our lungs burned with the urge to sob. When the final notes of the playlist rang out through the earbuds and we just stood, staring at the doors to the school, it was because we were tired, not to remember every day that we had run that same path, chattering and getting to know one another, and giggling as we tried to keep quiet as we reentered and didn’t want to wake the people who put off getting up until the last second. If my hand shook as I handed her the earbud, it was from the lack of food before the run, not because I would never listen to that playlist with Evelyn on school grounds again. If my face was a little wet in the shower, it was from the water, not tears falling down my face. When I got out and pulled my pajamas back on, I curled into a ball because it was a good way to sleep, not because I was hiding tears. Evelyn didn’t go back to bed, she never had. I closed my eyes and pretended to sleep, but I listened to her going through her morning routine. The one I knew she went through every single morning in the same order because she hated change. This morning, if she paused and took a rattled breath every once in a while, I tried to not flinch because she was just yawning. When Hailey’s alarm went off, Evelyn was gone, down at breakfast like usual, and Hailey walked over to shake me, but instead she pulled me into a hug, and for once, didn’t say anything. <br /><br />Breakfast was a weird affair. They had a line up of grab and go foods as everyone carried their luggage to the train. Underclassmen chattered about summer plans and who was rooming with who the next year and the usual end of year conversations, but I didn’t say anything as Hailey chattered about the parties she had gone to after I went to sleep. She hadn’t gotten to bed until 4 am the night before, and I wasn’t sure how she was functioning. Cardan was standing against a wall with an apple in his hand, his tall frame standing out, even if his blonde hair wouldn’t have defined him instantly. After I grabbed a muffin and a banana, I headed over to him, Hailey trailing behind as she spoke.<br />“Good morning, sunshine!” She greeted Cardan, wrapping him in a hug, which he quickly returned. “Ready to go home?” Cardan glanced at me as Hails asked the question and I giggled a little, knowing that in his head he was quoting Harry Potter at Hailey, who would never understand the reference no matter how many times the two of us had forced her into marathons. Plus, Hailey liked being home, unlike Cardan. <br />“Ready for you to visit.” He booped Hailey on the nose and I reached up to ruffle his hair. <br />“Smile, pretty boy. It’s two weeks. You’ve got this. I’ll call you everyday, and I might even be able to bully my brothers into calling you.” Cardan nodded stiffly at me as I spoke, and Hailey peeled herself off to munch on her own muffin. <br />“Hey, I’ll be there in one week, and if T isn’t hogging all of his time, I can get Leo to text you daily too,” Hailey said softly, offering Cardan a smile. He nodded again, but his hand was tapping away at his leg and he was chewing his lip already. <br />“One week,” he mumbled to himself before grabbing his bags and leading us all to the train. We didn’t talk much on the walk there, and I fell asleep with my head in Cardan’s lap on the ride, his fingers brushing my hair and Hailey chattering away, just like old times. The only difference was that when I woke up and got off the train, I knew I wouldn’t be getting on it again in a few months. <br />

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(NewsUSA) - For many of us, a cup of coffee is essential to starting the day off right. For your teeth, it sets the stage for stains. And for those who like to have a glass of red wine at night, you're also ending your day with a noted tooth stainer. Other culprits can include: tea, sports drinks, curry, berries, tomato sauce and candies.<br /> <br /> The Eroders<br /> <br /> Your enamel is not only vulnerable to obvious acids like citrus fruits, vinegar and white wine, but sugar can have an acidic effect on your enamel as well. Plaque bacteria use sugar to produce acid, which then eats away at tooth enamel. This means the sodas, juices, sports drinks and candies<br /> <br /> -- basically anything with sugar in it -- can be eroding your enamel.<br /> <br /> The Breakers<br /> <br /> It goes without saying that biting into something very hard can damage your teeth. Similarly, something extremely chewy can pull on teeth and cause damage or loosen a crown. The foods to be wary of include: hard candies, chewy candies, ice, popcorn seeds and corn on the cob.<br /> <br /> The Driers<br /> <br /> That horrible "cotton-mouth" feeling after you've had a couple of drinks is actually bad for your teeth. When saliva flow is reduced, you stand a greater risk of tooth decay, oral infections and possibly gum disease. Triggers that can cause dry mouth include: alcohol, coffee, tea, caffeinated beverages and any salty foods.<br /> <br /> Don't despair! There are plenty of food options that actually promote tooth strength, whiteness and freshness. Feel free to indulge in fiber-rich fruits and vegetables that stimulate salivation. Cheeses, milk, yogurt and other dairy products are packed with calcium, phosphates, vitamin D and other minerals that promote all-over health. Also, calcium mixes with plaque and sticks to your teeth, providing protection from acids and rebuilding enamel on the spot. Green and black tea (without sugar added) can slow down tooth decay and gum disease by suppressing bacteria. Use fluoridated water to brew your tea, and you've just added a powerful decay prevention agent.<br /> <br /> For more information and to locate an American Academy of Cosmetic Dentistry AACD member dentist near you, please visit www.YourSmileBecomesYou.com.<br /> <br /> Ref: Eating - in Blogs