(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

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The Importance of Breakfast<br /> <br /> In today's fast-paced world, maintaining a healthy lifestyle can often feel like a daunting task. However, one of the simplest yet most impactful habits you can adopt is starting your day with a nutritious breakfast. This small act not only sets a positive tone for the rest of your day but also provides numerous health benefits that contribute to your overall well-being.<br /> <br /> Why Breakfast Matters<br /> Breakfast is rightly hailed as the most important meal of the day for several reasons. After a night of fasting, your body needs essential nutrients to replenish its energy reserves and kick-start your metabolism. A balanced breakfast fuels your body and mind, improving concentration, mood, and productivity throughout the day. Research consistently shows that people who eat breakfast are more likely to maintain a healthy weight and make better food choices later in the day.<br /> <br /> Components of a Healthy Breakfast<br /> A healthy breakfast should include a variety of nutrients to ensure optimal functioning:<br /> <br /> Complex Carbohydrates: Whole grains like oats, whole wheat bread, or quinoa provide sustained energy and fiber, which aids digestion.<br /> <br /> Protein: Eggs, yogurt, nuts, or lean meats offer essential amino acids that help repair and build tissues, support immune function, and keep you feeling full longer.<br /> <br /> Healthy Fats: Avocado, nuts, seeds, and olive oil provide essential fatty acids that support brain function and heart health.<br /> <br /> Fruits and Vegetables: These are rich in vitamins, minerals, and antioxidants crucial for overall health and disease prevention.<br /> <br /> Tips for a Balanced Breakfast<br /> Plan Ahead: Prepare breakfast items the night before to save time in the morning.<br /> <br /> Avoid Sugary Foods: Opt for whole fruits instead of fruit juices or sugary cereals to avoid spikes in blood sugar levels.<br /> <br /> Hydrate: Start your day with a glass of water to hydrate your body after hours of sleep.<br /> <br /> Listen to Your Body: Eat when you feel hungry, and pay attention to portion sizes to avoid overeating.<br /> <br /> Incorporating Breakfast into Your Routine<br /> If you find it challenging to eat breakfast due to time constraints or lack of appetite in the morning, start with small, manageable portions. Smoothies packed with fruits, vegetables, and protein are convenient options for those on the go. Alternatively, try incorporating breakfast foods into your mid-morning snack, such as yogurt with granola or a piece of whole fruit.<br /> <br /> Conclusion<br /> By making breakfast a priority in your daily routine, you not only enhance your physical health but also boost your mental and emotional well-being. Remember, a healthy lifestyle is built on consistent habits, and breakfast is a cornerstone that sets the tone for the rest of your day. Embrace this simple yet powerful practice, and watch as it transforms your energy levels, focus, and overall quality of life. <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: Health - in Blogs</span>

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(NewsUSA) - Spring is here and that means it's lawn cutting season. In the interest of curbing your carbon footprint and "going green," you may want to consider an eco-friendly alternative to a healthy, beautiful lawn - an electric lawn mower. Options for self-propelled, high-powered electric lawn mowers abound, and there's a mower to fit every lawn and budget.<br /> <br /> Special features of modern electric mowers include variable speeds that allow users to adjust to different conditions on the ground. That means no need for extra effort when going uphill. In addition, electric mowers can be set for slower speeds to maneuver around flower beds, trees, or lawn furniture.<br /> <br /> Many top companies, including DR Power Equipment, Ryobi, Greenworks, and Craftsman and Kobalt, among others, offer a range of styles and models for battery-powered, self-propelled, walk-behind lawn mowers that feature the unique and efficient variable-speed electric transmission designed by General Transmissions.<br /> <br /> "With the variable-speed, self-propelled drive system, you mow the lawn at your own pace. Change speeds whenever you want by adjusting your grip on the speed control. You don't have to stop what you're doing to change speeds," says Wouter Barendrecht, chief executive officer of General Transmissions.<br /> <br /> "The electric drive has a motor on it that controls the self-propelled function, so you can disengage the cutting blade and still keep moving with the self-propelled feature operating," says Barendrecht.<br /> <br /> Still not convinced? Here are the top three reasons to try a battery-operated lawn mower this year:<br /> <br /> - Easy to use. Battery-powered lawn mowers are safe and simple to use. Speeds can be adjusted without stopping the mower, and you mow at your own pace. Many of them include mulching features, and some have batteries that can be used interchangeably with other electric equipment from the same manufacturer. Other features, such as telescoping handles, make storage a snap, especially for homeowners in townhouses or other areas with limited space.<br /> <br /> "These mowers weigh a lot less than comparable gas-powered ones, so they're easier to maneuver and easier to store. You can even hang them by their handles on a storage hook in your garage or storage area," says Jeff Land, vice president of merchandising and engineering at DR Power Equipment.<br /> <br /> - Economically smart. A battery-powered, self-propelled lawn mower saves money. Think of all the cash you can save on gas this season, not to mention oil and oil filters. The batteries charge on a standard household current, and most homeowners can mow an average-sized lawn (about an hour of mowing power) without the need to recharge.<br /> <br /> - Environmentally friendly. According to the Environmental Protection Agency, gas-powered lawn equipment generates 5 percent of the air pollution in the United States each year. In addition, a gas-free mower eliminates the noise pollution, gasoline smell, and potential contamination and hazards of spilled gas and oil.<br /> <br /> For more information, visit generaltransmissions.com/en/technology/electric/ to learn more about what makes battery-powered, self-propelled lawn mowers a good choice for today's many homeowners.<br /> <br /> Ref: Gardening - in Blogs

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(NewsUSA) - Owning a home is a huge investment, and once they've owned long enough to build up equity, many homeowners opt to leverage the equity for other uses. But if you're on the fence about taking on another monthly loan payment, an option that may be right for you is co-investing.<br /> <br /> With a home equity loan, you borrow against the equity in your home and receive a lump sum of money that you have to pay back each month over a specified term - commonly 15 years. The interest rate is usually fixed, but is typically higher than your primary mortgage.<br /> <br /> Co-investing offers an alternative to traditional home equity loans. In a nutshell, the co-investing company pays the homeowner an upfront amount, with no repayments for a set number of years, or until the home is sold, whichever comes first. There may also be an option to buy the company out, after a minimum restriction period passes. This option can be ideal for a homeowner who wants access to cash without the added financial burden of monthly loan payments, who has lived in a home long enough to build up some equity, and plans to stay at least another five years.<br /> <br /> Unison, a San-Francisco-based real estate company, is a leader in the growing field of co-investment. Unison offers homeowners a cash payment of up to 17.5 percent of their home's current market value. When the house is sold or 30 years pass, the owner pays Unison an amount equal to the initial co-investment, plus (or minus) a percentage of the home's appreciated (or depreciated) value.<br /> <br /> Here's an example: A homeowner whose home is currently worth $500,000 and who needed $25,000 in cash (5 percent of the home's value) would repay an amount equal to $25,000 plus 25 percent* of the amount the house appreciates in value during the time of the co-investment. With a larger co-investment, the company receives a larger share of the appreciation in value.<br /> <br /> Homeowners can use their cash for anything, but Unison recommends something of long-term value, such as kids' college tuition, medical expenses, home remodeling, or investing in diverse stocks and bonds.<br /> <br /> Other benefits of co-investing: Keeping gains from remodeling work and keeping the equity built from prompt mortgage payments.<br /> <br /> Being a good candidate for homeowner co-investing is not so different from being a good homeowner generally. Unison requires that homeowners keep the home as their primary residence; stay current on payments for mortgages, property tax, and homeowners' insurance; keep the home well-maintained to retain and increase value; and keep Unison informed of issues, such as remodeling plans or emergencies, such as natural disasters, bankruptcy, or plans to sell the home.<br /> <br /> To find out how Unison can help you get the most out of homeownership, visit unison.com.<br /> <br /> *This is a possible percentage for illustrative purposes. The actual percentage varies based on the specific HomeOwner transaction.<br /> <br /> Ref: Housework - in Blogs

As the most densely populated city in central Indonesia, Makassar offers a diverse array of captivating destinations for travelers. The strategic coastal position of Makassar makes it an important transit port for long-distance ships, serving routes from Surabaya to Papua. This strategic role is not new—since colonial times, Makassar has been a vital naval center, as evidenced by the magnificent presence of Fort Rotterdam.<br /><br />The Rich History of Fort Rotterdam<br />Fort Rotterdam was first constructed in 1545 by the 9th King of Gowa, Daeng Matanre Karaeng Tumapa'risi' Kallonna. Originally named Fort Ujung Pandang, this fortress was later surrendered to the Dutch VOC under the Treaty of Bungaya in 1667.<br />The fort's architecture is truly impressive, featuring six sturdy bastions surrounded by seven-meter-high walls and a two-meter-deep moat as a defense system. During its golden era, this fortress served as the central collection point for spices from across the Indonesian archipelago before being traded to European markets, making it one of the most important economic hubs in Southeast Asia.<br /><br />Transformation into an Educational Museum<br />Today, Fort Rotterdam has transformed into an educational museum that can be visited free of charge by all Indonesian citizens. The fortress atmosphere successfully maintains its classic ambiance, transporting visitors back to the colonial era.<br /><br />Within the fort complex, invaluable historical artifacts are housed and can be enjoyed by visitors of all ages, from children to adults. This place serves as the perfect educational venue for understanding Indonesia's historical journey, particularly in the South Sulawesi region.<br /><br />The museum showcases various collections that tell the story of Makassar's maritime heritage, colonial influences, and the rich cultural tapestry of the Bugis-Makassar people. Interactive displays and well-preserved artifacts provide visitors with an immersive learning experience about Indonesia's colonial past and its impact on modern society.<br /><br />A Photography Paradise with Classic Vibes<br />For photography enthusiasts, Fort Rotterdam offers an extraordinary location with stunning classic and aesthetic appeal. Various corners of the fort provide Instagram-worthy backdrops, creating the sensation of traveling back in time.<br /><br />You can pose freely and capture as many moments as desired at the numerous attractive spots available. The well-preserved colonial architecture provides the perfect backdrop for character-rich photo collections. The interplay of ancient stone walls, vintage cannons, and tropical vegetation creates a unique visual narrative that tells stories of centuries past.<br /><br />Whether you're interested in architectural photography, portrait sessions, or simply capturing memories with friends and family, Fort Rotterdam's diverse settings offer endless creative possibilities. Don't forget to share your best shots on your favorite social media platforms!<br /><br />Practical Information for Visitors<br />Opening Hours: Daily from 8:00 AM to 6:00 PM<br />Admission: Free for Indonesian citizens<br />Location: Jl. Ujung Pandang, Bulo Gading, Makassar<br />Best Time to Visit: Early morning or late afternoon for optimal lighting and cooler temperatures<br />The fort is easily accessible by public transportation, private vehicles, or ride-sharing services. Parking facilities are available on-site, and the location is within walking distance of other Makassar attractions, making it convenient to include in your city tour itinerary.<br /><br />A Living Testament to History<br />Fort Rotterdam is more than just an ordinary tourist destination—it stands as a silent witness to historical journeys that connect the past with the present. The combination of educational value, architectural beauty, and captivating photography experiences makes this place a must-visit when in Makassar.<br />The fortress represents the complex layers of Indonesian history, from the powerful Gowa Kingdom to Dutch colonial rule, and finally to Indonesia's independence. Walking through its corridors and chambers, visitors can almost hear the echoes of historical events that shaped not only Makassar but the entire Indonesian archipelago.<br />For history buffs, culture enthusiasts, and casual travelers alike, Fort Rotterdam offers a unique window into Indonesia's rich maritime heritage and colonial past, making it an essential stop on any Makassar adventure.<br /><br /><br />Have you had any interesting experiences while visiting Fort Rotterdam? Or do you have questions about this historical destination? Please share in the comments section below. Thank you for reading!<br />