(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

(NewsUSA) - Almost everything today is digitally connected …whether at home or on the go. Connected technology saves you time with everything from smart phones to smart homes!<br /> <br /> Tech Lifestyle Expert Carley Knobloch has partnered with KillerApps.com and four brands for a look at some great smart tech for 2019 that will help simplify your life.<br /> <br /> First up … a laptop is a must! Made for today's mobile multi-taskers, the thin and light Yoga C630 combines the power and productivity of a Windows 10 laptop with the always-on, always-connected mobility of a smartphone thanks to integrated 4G LTE and Wi-Fi support. Powered by Qualcomm's Snapdragon 850 Mobile Compute Platform, the Yoga C630 gets up to 22 hours of local video playback and features a natural pen-on-paper experience on its vibrant 13.3-inch FHD IPS touchscreen display with optional Lenovo Pen and Windows Ink.<br /> <br /> Next, to stay connected at home, Orbi Voice is a smart speaker integrated with Amazon voice assistant, Alexa and uses the Qualcomm Wifi Mesh platform to create expansive whole home Wi-Fi coverage (up to 4500 square feet) to create an entire ecosystem of mesh Wi-Fi products. It also features premium audio technology, creating incredible room-filling sound from the audio experts at Harman Kardon. Alexa makes it easy to play music from the most popular streaming services, control other IoT devices, check traffic, weather, and so much more - without needing a separate device. It's truly an innovative leap, and the start of a trend expected to accelerate in the 5G era.<br /> <br /> Smart products can also help keep families safe. Fire is getting faster, but you can get ahead by installing Kidde Wire-Free Interconnect Smoke Alarms in your home. Kidde's new interconnect alarm solution offers exceptional safety benefits without the hassle of hardwiring or a Wi-Fi connection. The interconnect technology helps alert you to a fire no matter where you are in your home. When one alarm senses a hazard, all interconnected alarms sound throughout the home. The alarm also comes with a sealed 10-year battery, which you don't have to worry about changing alarms batteries. Simply replace the entire alarm after 10 years.<br /> <br /> Home security solutions are getting smarter and more convenient too. Schlage Encode is the newest connected device to enhance the brand's portfolio of innovative smart locks. The deadbolt is easy to install, with a quick connection to in-home WiFi, making it even more convenient for homeowners to have secure, remote access control. The built-in Wi-Fi technology eliminates the need for an additional hub and allows users to set-up and manage the lock via the Schlage Home or Key by Amazon apps. This means users can lock and unlock their deadbolt, monitor the lock's status, and send virtual keys to trusted friends and family, all from the convenience of their smartphone. Homeowners can create up to 100 unique guest access codes for temporary, recurring or permanent access. This information, along with the lock's activity, can be tracked and monitored within the app, giving homeowners greater peace of mind. Through the Schlage Home app, users can also pair their deadbolt with Google Assistant and Amazon Alexa. When managing the lock via the Key app, users can enjoy compatibility with other platforms such as Amazon Cloud Cam, Ring video doorbell and cameras, and Alexa.<br /> <br /> For more information, visit KillerApps.com.<br /> <br /> Ref: Futurology - in Blogs

(NewsUSA) - Today most homeowners want to do right by the environment while also caring for the health and wellness of their own families. But they don't always know what measures they can take with the design, construction, and furnishing of their houses to achieve eco-friendly, health-enhancing results.<br /> <br /> "Many responsible consumers are uncertain what a 'sustainable' product or material is," notes Linda Jovanovich of the American Hardwood Information Center, www.hardwoodinfo.com.<br /> <br /> "It simply means the particular resource is self-replenishing - something we can use freely now without fear that its supply will run out in the future. Since American hardwood forests renew themselves almost twice as fast as they are harvested, the U.S. supply of hardwoods for flooring, furniture, cabinetry, and millwork is sustainable now and for generations to come."<br /> <br /> As well as being plentiful and sustainable, American hardwood is carbon neutral: Growing trees absorb carbon dioxide from the atmosphere and break it down into oxygen, which is returned to the air, and carbon, which is used to create roots, trunk, branches, and leaves. In short, the use of natural American hardwoods throughout a house helps with the long-term removal of carbon from the environment.<br /> <br /> Hardwood can also benefit a household's general well-being.<br /> <br /> When artist Hadley Williams renovated her family home in California's Bay Area, she asked the makeover team - designer Sherry Williamson, architect Andrew Mann, and builder Michael McCutcheon - for a clean-lined, ultra-eco-friendly residence. They wrapped all the floors, ceilings, walls, and casework in the gutted interiors with plain-sawn American white oak, achieving a beautiful balance among aesthetics, sustainability, and healthfulness.<br /> <br /> Since the latter was a priority, each and every building product used was screened for a comprehensive list of more than 900 chemicals of concern. Using solid timber helped avoid the unhealthy volatile organic compounds (VOCs) found in laminate glues. Thanks to those efforts, the house has been certified LEED Platinum - the U.S. Green Building Council's highest ranking.<br /> <br /> Architect Stephanie Horowitz of Boston-based ZeroEnergy Design is another expert at creating contemporary, environmentally sensitive, family-friendly homes.<br /> <br /> "We regularly specify domestic, sustainably harvested hardwood floors," she says.<br /> <br /> "When paired with a non-VOC finish, a hardwood floor helps maintain healthy indoor-air quality while allowing us to support local business and overall environmental health."<br /> <br /> Such was the case with a house she recently designed for a client who wanted an exceptionally healthy and comfortable living environment in a traditional neighborhood. By installing quarter-sawn white-oak floors, and selecting other durable materials and finishes with low or no VOCs and no added urea formaldehyde, Horowitz was able to achieve LEED-platinum certification for the house and, more importantly, ensure that its inhabitants can breathe easy.<br /> <br /> Visit www.hardwoodinfo.com for more about sustainability and healthfulness in relation to home applications and products using American hardwoods.<br /> <br /> Ref: Decoration - 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.<br /> <br /> 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.<br /> <br /> 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.<br /> <br /> Dr. Dhoot has self-published the growing Tinker Toddler series of STEM books aimed at young children, including Machine Learning for Babies & Toddlers.<br /> <br /> "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."<br /> <br /> 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.<br /> <br /> "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."<br /> <br /> 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.<br /> <br /> 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.<br /> <br /> 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.<br /> <br /> "I have the freedom to spend more time with my family, while pursuing my passion on my own terms with KDP."<br /> <br /> 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.<br /> <br /> For those parents who are toying with self-publishing, but still have questions, consider this:<br /> <br /> * KDP lets authors set their own prices and retain all rights to their work.<br /> <br /> * 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.<br /> <br /> * You can publish Kindle eBooks and paperbacks in multiple languages.<br /> <br /> Visit kdp.amazon.com for more information about Kindle Direct Publishing.<br /> <br /> Ref: Encouraging - 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>

**Embracing the Ethereal: A Celebration of White Flower Blossoms**<br /> <br /> In the tapestry of nature's grandeur, few sights rival the delicate allure of white flower blossoms. These ethereal blooms, with their pristine petals and subtle fragrances, evoke a sense of purity and serenity that captivates the soul. Whether nestled in a verdant garden, adorning a tree branch, or scattered across a meadow like scattered pearls, each white blossom tells a story of beauty and resilience.<br /> <br /> **The Elegance of White Blossoms**<br /> <br /> White blossoms, in their simplicity, exude a timeless elegance that transcends seasons. In spring, they herald renewal and hope, blanketing orchards and gardens with promises of abundance. Against the backdrop of lush greenery, their purity stands out, drawing admiration and inspiring contemplation. Each petal, a testament to nature's intricate design, delicately unfolds to reveal a pristine heart—a beacon of tranquility amidst life's bustling rhythms.<br /> <br /> **Symbolism and Cultural Significance**<br /> <br /> Across cultures and centuries, white blossoms have held deep symbolism. They embody purity, innocence, and spiritual enlightenment. In many traditions, they symbolize new beginnings, making them popular choices for weddings and ceremonies. The Japanese revere the cherry blossom (sakura) for its transient beauty, celebrating it with hanami—a tradition of enjoying the blossoms under spring's fleeting embrace. Meanwhile, in Western cultures, white roses symbolize love and reverence, gracing weddings and commemorations alike.<br /> <br /> **A Symphony of Fragrance and Form**<br /> <br /> Beyond their visual splendor, white blossoms enchant with their subtle fragrances. Jasmine whispers its sweet aroma on warm summer evenings, while magnolia releases its heady perfume in the early morning light. Each bloom adds a unique note to nature's olfactory symphony, inviting us to pause and immerse ourselves in their sensory delights.<br /> <br /> **Preserving Nature's Treasures**<br /> <br /> As guardians of our environment, we bear a collective responsibility to protect these natural wonders. Climate change and habitat loss threaten the habitats of white blossoms and other flora. By cultivating awareness and advocating for conservation efforts, we can ensure future generations continue to marvel at these exquisite gifts of nature.<br /> <br /> **Conclusion: A Call to Appreciation**<br /> <br /> In the fleeting beauty of white flower blossoms, we find solace and inspiration. They remind us to cherish life's ephemeral moments and embrace the beauty that surrounds us. Let us cultivate gardens of the soul where these blossoms bloom eternal, and in doing so, nurture a deeper connection to the natural world. As we celebrate their elegance and resilience, may we also pledge to preserve and protect these delicate marvels for generations to come.<br /> <br /> In the quiet majesty of white flower blossoms, let us discover the enduring poetry of nature's embrace. <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: Nature - in Blogs</span>

(NewsUSA) - Retirees seeking comfortable climates, relaxed lifestyles, and affordable, quality medical care might find a hidden gem in Costa Rica.<br /> <br /> In fact, International Living magazine named Costa Rica number three, ahead of Spain, France, and Mexico, on its 2020 list of top places to retire. Other appealing features include the low cost of living and ease of buying real estate.<br /> <br /> One of the reasons for capturing the top spot is that Costa Rica offers a diverse history and culture that make it an enriching location for travel, as well as retirement. Many retirees from the United States who are interested in living abroad have discovered the elements that make Costa Rica unique and special.<br /> <br /> Anyone contemplating retirement either sooner or farther down the road can become familiar with Costa Rica through a fully escorted tour. Many time-share organizations will target tourists and can be scams, so it is important to make informed decisions about how to travel and explore. Companies such as Caravan Tours provide immersive experiences that include meals, transportation, and excursions across more than 750 miles of the country.<br /> <br /> The Caravan Costa Rica Natural Paradise tour offers nine days of carefully chosen hotels, delicious meals, and entertaining excursions for an all-inclusive price. The relaxed, yet engaging, itinerary is designed to balance single- night and two-night stays for an unhurried pace, and each day includes scenic and rest stops. Comprehensive sightseeing with local guides provides an ideal opportunity for retirees and future retirees to become familiar with the country.<br /> <br /> The Natural Paradise tour kicks off in San Jose, where Caravan tours provides easy transportation from the airport to the hotel. Day trips from San Jose include visits to a coffee plantation and an artists' village in the Central Mountain Range.<br /> <br /> Other highlights of the tour include the Cano Negro Cruise, which passes through a wildlife refuge that is home to a variety of animals, including whistling ducks, howler monkeys, and water-walking lizards, followed by an evening soak in volcanic hot springs. In addition, travelers have opportunities to hike the suspension bridges of Guanacaste with a naturalist guide, and visit to the Manuel Antonio National Park with its spectacular rain forest and beach cove, as well as enjoy the amenities of a world class beach resort.<br /> <br /> Caravan Tours is a member of ASTA (American Society of Travel Agents), NTA (National Tour Association), CLIA (Cruise Lines International Association), and an allied member of ACTA (Alliance of Canadian Travel Agencies).<br /> <br /> For more information about fully escorted tours to Costa Rica, visit caravan.com.<br /> <br /> Ref: History - in Blogs

(NewsUSA) - Cold brew coffee continues to be a hot trend. Recent market research shows an increase in sales of 580 percent between 2011 and 2016 as coffee drinkers have embraced the smooth flavor of cold brew.<br /> <br /> Cold brew is coffee made with cold water. It sounds simple, but making cold brew concentrate from ground coffee at home can be a messy and time-consuming process. Most devices on the market require 12 to 24 hours of steep time at room temperature to brew a coffee concentrate suitable for cold brew coffee, so serving cold brew coffee has traditionally required advance planning. But now a specialized coffee press allows cold brew coffee lovers to get their fix in a couple of minutes.<br /> <br /> By briskly stirring coffee grounds and room temperature water together in the AeroPress coffee maker, you can cut brewing time from many hours to just two minutes. Simply add finely ground coffee and room-temperature water, stir, press, and enjoy a cup of smooth, flavorful cold brew coffee.<br /> <br /> Another advantage of the AeroPress is a quick and easy cleanup. Unlike typical cold brewers, the AeroPress does not leave a large filter full of messy coffee grounds after brewing. It is designed to consolidate the used grounds and filter into a small, neat puck that pops out ready for composting.<br /> <br /> A huge advantage of cold brewing is it can be done where there is that no access to hot water. When traveling, hiking, biking, or doing other activities away from the home kitchen, there is almost always a source of water but often no way to heat it. However with a lightweight, portable AeroPress, it is easy to brew a cup of smooth rich cold brew using tap water in about two minutes.<br /> <br /> Not only does the AeroPress brew delicious hot coffee in addtion to cold brew, but as a multipurpose coffeemaker, it helps cut kitchen clutter by eliminating the need for separate machines.<br /> <br /> Visit aeropress.com for more information about how to enjoy cold brew (or hot) coffee with ease in the comfort of your home.<br /> <br /> Ref: Drinks - in Blogs