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    Millie Zemlak Millie_Zemlak
    (NewsUSA) - When Jess Michaels isn't obsessively checking her steps on FitBit or watching daytime Court TV, she's a best-selling author who writes historical romances with heroines who speak their mind.

    Her first foray into publishing began, as many picture the life of an author, with a traditional publishing deal. But after releasing a few books, Michaels decided to turn down an additional deal and try self-publishing.

    "I'd begun developing an audience for my books and wanted to try something different. Authors I respected had success and greater control over their work with self-publishing, so I was eager to try it for myself," says Michaels.

    She mastered it quickly and decided to go "strictly indie" in 2015, using Amazon's Kindle Direct Publishing (KDP) service to publish in both eBook and print. Since her decision to self-publish, she has been on the USA bestseller list ten times. Her husband quit his job at a large technology company and now works with Michaels to run their publishing company.

    "I wanted more control over not just the creative writing, but also the marketing strategy, cover art, and other business aspects of publishing. I grew frustrated being unable to make these decisions going the traditional publishing route," she says. "I'm both a writer and entrepreneur, and I'm enjoying more creative and financial rewards than I ever have."

    For Michaels, who says the initial idea of going indie was "taking a leap off a cliff and hoping you can fly before you crash," the resulting benefits have exceeded her expectations.

    For those authors wrestling with the idea of self-publishing, consider this:

    - Creative control. Self-publishing a book allows authors to build characters and stories exactly the way they want and, ultimately, retain full rights to their original material. A book that has been nursed from inception to novel remains yours.

    - Get to market fast. Once a book is ready, self-publishing services, such as KDP, guide authors through setting up their books and getting them in the hands of readers in just a matter of days.

    - Make more money. Authors who opt to self-publish can set their own prices and take home a higher percentage of royalties.

    While a self-published author serves as his or her own marketing department, indie publishers make marketing simple and effective. Self-publishing companies, such as Amazon, also offer authors additional promotional opportunities to make their work available to more readers.

    Many authors find support through writers' groups online, such as Facebook groups, or in-person by attending workshops and writers' conferences. Most cities have local writing groups that meet regularly. These meetings can provide constructive criticism of your work and other resources.

    "I fell into self-publishing by accident, and found that connecting with other authors and joining a local writers' organization helped me improve my technique and career tremendously," says self-published science fiction and fantasy author T.S. Paul. "When sales of my novels began to take off, I began working with freelancers and a virtual assistant, also, to grow the community around me."

    Regardless of whether a writer is interested in romance, mystery, fantasy, or biographies, self-publishing with services such as KDP can empower them to pursue their dreams, especially if they're willing to study the business side of publishing as well as Jess Michaels did.

    Who knows? Maybe the best seller list is closer than you think.

    For more information, visit https://kdp.amazon.com/en_US/.

    Ref: Books - in Blogs
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    Rebecca Ebert Rebecca_Ebert


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    Millie Zemlak Millie_Zemlak
    (NewsUSA) - Later this month, the nation's largest-ever celebration of educational opportunity will kick off. During National School Choice Week (Jan 26-Feb 1), 50,000 events and activities around the nation will raise awareness about K-12 education choices.

    The real impact of school choice is what gives the Week such energy. A learning environment can change a life, sometimes unexpectedly. Remember the Dr. Seuss story featuring a character who, until he actually tries it, insists a dish of green eggs and ham is not for him? As President of National School Choice Week, I have the joy each month of hearing students, parents, and educators around the country share their own "green eggs and ham" moments.

    A teacher who was ready to leave the education field - until she overcame her skepticism about teaching in a virtual school. A mom who never dreamed she'd homeschool - until her son's medical needs led her to discover its benefits. A student who felt out of place in his previous school, but is now happy and thriving in a different traditional public school.

    That's the power of school choice. All children learn differently and families' needs vary. In the midst of healthy differences and human change, choice empowers families to access the learning environments that work for them now.

    School choice recognizes that parents are best positioned to know their child's passion for botany, reading struggles, or penchant for drawing quirky cartoons. And those same parents are best qualified to choose their children's learning environments.

    National School Choice Week celebrates traditional public, public charter, magnet, private, online, and home education. We celebrate and support families, too, whichever type of school they choose. That's because when families and schools bring their gifts together, students succeed.

    All children deserve to close their school books at the end of each week inspired and equipped to give back. So, if you love your school, celebrate it during School Choice Week! If you're searching for a school, be willing to try something new to find the right fit. You might have a green-eggs- and-ham moment, when your child's frustration with learning turns into an excited "I do love it!"

    For more information, visit schoolchoiceweek.com.

    Ref: Cultures - in Blogs
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    Vanessa Leannon Vanessa_Leannon


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    Millie Zemlak Millie_Zemlak
    (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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    Millie Zemlak Millie_Zemlak
    (NewsUSA) - Summer. The word itself sounds so relaxing and soothing to the senses. And nothing is more soothing in the summer than swimming.

    At the very least, there's certainly nothing more cooling or refreshing than a quick trip to the pool. Indeed, with the temperatures rising and vacations in high gear, it's prime time to take a trip to the beach or head to your favorite resort pool and enjoy one of America's favorite summer pastimes: swimming.

    To ensure your next trip to the pool is as relaxing and successful as ever, however, there are some essential items everybody should consider bringing. So, whether it's just a casual day of cooling off, a special summer pool party or family fun day, here's a to-do list that covers all pool partygoers.

    * First and foremost, lather up with suntan lotions. And then bring more in your tote bag so you can reapply after a round or two of swimming. There's nothing more frustrating when you settle in and realize you forgot your supplies and need to buy more.

    * Pack swimming gear. Regardless of whether you're going to the beach or pool, make sure you have goggles, noodles and other flotation devices. Your time in the water will never be more enjoyable.

    * Bring some snacks and drinks. After some rigorous swimming or leisurely baking in the sun, you're bound to build up an appetite or have a need to quench your thirst.

    * Don't forget your spittoon. Being at the pool in a bikini or trunks can leave one very exposed to say the least. If you're a smokeless tobacco user, there's even less opportunity to take a discreet "dip" while you're taking a dip in the pool.

    That is, unless you own a portable spittoon created by Atlanta-based FLASR. These new 4-ounce pocket-sized spittoons are brilliantly designed to allow users to easily open and close with just one hand, making them ideal items to bring to the pool or any other public setting so you can still enjoy your smokeless tobacco. Another advantage to the FLASR flask is its advanced closing mechanism that ensures it stays securely closed when not in use, eliminating the risk of any messy spills or leaks in the pool that come with those gaudy bottles or drink cups of old.

    For more information, please visit www.flasr.com.

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    Rebecca Ebert Rebecca_Ebert


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    Millie Zemlak Millie_Zemlak
    (NewsUSA) - Sponsored by GAF - It's time to stop thinking of Millennials as totally uninterested in owning anything just because they were early adopters of Uber.

    The newly released U.S. home ownership rate rose in 2017 for the first time in 13 years - it now stands at 64.2 percent - driven mainly by a shift towards owning over renting by the under-age 35 crowd who'd been wary of committing for both financial and personal reasons.

    "This is happening because young households are buying homes. Full stop," Ralph McLaughlin, chief economist at home listings provider Trulia, told the Wall Street Journal.

    They're not the only purchasers, of course. Which means if you're looking to sell your house now or in the not too distant future, you might want to check out this generational roadmap to four upgrades experts say are worth it to help attract potential buyers.

    * Cross-generational: a new steel door. The only thing that beat it on Remodeling magazine's annual Cost vs. Value Report for 2017 was loose-fill attic insulation, but this project - with a 90.7% return on investment - speaks directly to the report's main takeaway: "Curb appeal projects, by and large, generated higher returns on investment than work done inside the home."

    Plus, as far as Millennials go, while their ideal interiors may differ from older generations - for example, they prefer open floor plans and hardwood floors - Architectural Digest says they're still into "traditional exteriors."

    * Millennials: smart-home tech. Yes, there are Boomers and Generation Xers who are super tech savvy, but Millennials especially crave homes that allow them to control their heating, air-conditioning, home security, and lighting systems from their phones.

    "They want to use their brains for other things, not for remembering whether they adjusted the heat or closed the garage door," Angie's List stressed.

    * Cross-generational: a new roof. It's the ultimate curb appeal enhancer and a perennial Remodeling magazine A-lister, with Credit.com having observed that "buyers pay a premium for one already in place."

    So if the first thing prospects notice even before exiting their cars looks like something out of "Twister," you've got a problem.

    "It's a huge turn-off," said Patsy O'Neill, a sales associate with Sotheby's in Montclair, New Jersey, "and makes buyers of all ages predisposed to find even more things they don't like."

    If your roof does need replacing, those particularly interested in targeting Millennials might want to consider the very affordable Sienna line of diamond-shaped shingles from GAF (gaf.com), North America's largest roofing manufacturer, since they capture that generation's sensibilities.

    "They pick up on key Millennial style trends of natural, clean materials, clean lines, and the integration of artistic elements," said Leslie Franklin, executive director of residential marketing at GAF.

    * Millennials: all-new appliances. Realtors will tell you that major kitchen (and bath) upgrades aren't generally worth their high costs, in terms of return on investment, since prospective buyers' tastes can clash with yours.

    However, Millennials do love, love, love all-new stainless steel appliances. So much so that what RealtyTimes.com called "an astonishing majority of 75 percent" of respondents in a recent survey chose to spend their hypothetical home buying budgets on them.

    Ref: Gardens - in Blogs
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    Millie Zemlak Millie_Zemlak
    (NewsUSA) - Most of us can't imagine life without Internet service at home. We use it every day for news and entertainment, as well as to research healthcare options for our families; to connect with friends and family; to search and apply for jobs, scholarships, or schools; or to shop and save time.

    Unfortunately, many low-income households in this country aren't connected and they're missing out on the life-changing resources the Internet has to offer.

    According to the U.S. Census American Community Survey, 81 percent of U.S. households have broadband Internet access, but only 63 percent of those with annual incomes of less than $35,000 do.

    For the past seven years, Comcast has been on a mission to do something about this so-called "digital divide" through its acclaimed Internet Essentials program, which has become the largest broadband adoption program for low-income families across the U.S.

    The program has had an enormous impact on families and their children and, since its inception, more than six million low-income Americans have been connected.

    To put that in perspective, six million people is larger than the populations of each city in America except New York City. While the numbers can be numbing, the individuals who have benefitted all have their own stories to tell.

    "Low-income people face problems when it comes to accessing technology and a lot of people are left behind," says Pam Ogglesby, an Internet Essentials customer.

    "I signed up for the program and I now see what I was missing. I feel connected now and it's all because of Internet Essentials. I think this is going to change my life drastically. I intend to use the Internet to learn new things."

    In the beginning, Internet Essentials was offered to low-income families with children eligible to participate in the National School Lunch Program. Eligibility has also been extended to low-income seniors in more than a dozen markets, as well as to those households receiving HUD-housing assistance, which includes HUD's Public Housing, Housing Choice Voucher, and Multifamily programs.

    This year, the company is expanding eligibility again to low-income veterans living within the Comcast service area. About a third of the veterans in the U.S. do not have Internet access at home, and only about 60 percent even own a computer, according to the U.S. Census American Community Survey, creating a need for better options for the veteran community. As a result, more than one million veterans across Comcast's footprint are estimated to be eligible.

    Comcast's Internet Essentials program works with community partners to break down the main barriers to Internet access - lack of affordable service; lack of a computer or other device; and lack of digital training by providing high-speed Internet service for $9.95 a month plus tax, the option to purchase an Internet-ready computer for less than $150, and free digital literacy training in print, in person, and online.

    To apply, visit www.internetessentials.com/apply, or call 1-855-846-8376. For Spanish-only speakers: call 1-855-765-6995.

    Ref: Courses - in Blogs
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