(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) - Nurses remain an essential and trusted part of the health care system, and the nation faces an urgent need for nurses due to the COVID-19 outbreak.<br /> <br /> The World Health Organization is also celebrating the value of nursing by designating 2020 as the International Year of the Nurse and the Midwife. In addition, 2020 is the 200th anniversary of the birth of Florence Nightingale, the 19th- century social reformer known as the founder of modern nursing.<br /> <br /> The demand for nurses, and therefore for nurse educators, is likely to remain high, according to the National League for Nursing (NLN), as nurse educators are on the front lines teaching new nurses who are filling the shortages in hospitals and other health care settings.<br /> <br /> Nurse educators will likely continue to be well paid. Data from the Bureau of Labor Statistics estimate the median salary for nurse educators at $73,490. They may work in academic settings, but some expand their focus to teaching in schools, businesses, hospitals, and community agencies.<br /> <br /> The NLN shares some key advantages to becoming a nurse educator:<br /> <br /> - Intellectual stimulation. Nurse educators know the latest research in the field, and have the ability to share it with others.<br /> <br /> - Flexibility. Nurse education allows for more autonomy and a flexible schedule. Not to mention that technology allows educators to teach from anywhere in the world, at any time, from the beach to the ski slopes.<br /> <br /> - Research. Nurse educators have opportunities for research and publication in scholarly journals to advance the field of nursing and their own careers.<br /> <br /> - Meaning. The desire for a purpose-driven life steers many people to the nurse education field, where they can make a significant difference in a variety of ways.<br /> <br /> - Fulfillment. Nurse educators rejoice in encouraging young students, and take pride in their accomplishments.<br /> <br /> - Impact. Nurse educators, by shaping and developing the next generation of nurses and by working in their communities, will continue to impact the shape of healthcare for future generations.<br /> <br /> - Inspiration. Everyone remembers the teacher or teachers who made a difference for them by giving them that extra encouragement, or helping them explore paths they might not have seen.<br /> <br /> But quite possibly the number- one reason to become a nurse educator, according to the NLN, is the unique chance to "teach what you love."<br /> <br /> Many career tracks exist for potential nurse educators. Teaching requires at least a master's degree in either education or nursing, but these degrees may be earned through a traditional college setting or through the variety of fully accredited programs now available online.<br /> <br /> For more information about careers in nursing education, visit NLN.org.<br /> <br /> Ref: Health - in Blogs

(NewsUSA) - As the calendar flips to another year, many employees will consider starting the new year on the hunt for a new job. In today's changing workforce, it is more important than ever for companies to realize that a salary alone is no longer enough to recruit or retain strong employees. According to a recent survey by Aflac, small businesses deserve a round of applause for their ability to keep employees happy. The report found that 85 percent of small-business employees are happy in their current job and more than half (51 percent) agree that most of or all of their happiness in their current job is because is a result of working for a small business.<br /> <br /> The keys to happiness<br /> <br /> Nearly a quarter of participants (23 percent) stated that the feeling of importance was the best part of working for a small business. Small businesses have the unique ability to make employees feel appreciated, respected and valued on a personal and professional level. In a small business environment, there are typically fewer layers between newcomers and leadership. This tight-knit structure of small businesses can create a family-like atmosphere that allows employees to feel that their opinions matter and that they play a significant role in the business's mission.<br /> <br /> Flexibility is also vital in creating employee happiness. According to the report, 30 percent of respondents noted that flexible scheduling was the best part of working for a small business. This can include working from home, leaving work early to play in a summer sports league or giving new parents an extra week of paid time off to help care for their newborn. A workplace that promotes healthy work-life balance can create happier, less stressed employees and can also increase employee productivity on the job.<br /> <br /> Unlocking improvements<br /> <br /> Although small businesses excel at keeping employees happy, there is always room for improvement. In a small-business community, money does not seem to be the only motivator. In fact, 65 percent of small-business employees indicate that an improvement in their benefits offerings would make them happier employees. By offering a robust benefits plan that includes voluntary benefits, small businesses can ensure that their employees are able to find the right benefits to meet their individual needs.<br /> <br /> Learn more at <a class="no-ajax" target='_blank' href="https://aflac.com/smallbusiness">https://aflac.com/smallbusiness</a><br /><br /> <br /> Ref: Business - in Blogs

(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

(NewsUSA) - The Bible is one of the most studied texts in existence, but a new book reveals a previously unrecognized encrypted message in the Old Testament that foresees the birth, crucifixion, and resurrection of Jesus.<br /> <br /> In the book, The Chamberlain Key: Unlocking the God Code to Reveal Divine Messages Hidden in the Bible, author Timothy Smith describes how he discovered the message by cracking a code in Genesis 30:20-24 in the oldest form of the Hebrew Old Testament.<br /> <br /> Smith, an appraiser and restorer of fine art and antiquities, was researching his family history and became intrigued by the Torah after learning that his matriarchal ancestors were in fact Sephardic Jews, and early Christians of Jewish decent. He said in a statement that he was drawn to the specific passages in Genesis because of parallels between descriptions of the family of Jacob, known as the father of the House of Israel, and his own family.<br /> <br /> Smith assessed the passages using an equidistant letter skip decryption method inspired by the Hebrew spelling of his name (the nine-letter Timotheus). He discovered not only his own name, but also biographical information that reflected other members of his family<br /> <br /> As he reviewed the passage in Genesis using the code, Smith found details about the birth, crucifixion, and resurrection of Jesus. He also identified references to religious images, including the Rocio Madonna, clues to the location of the contents of the Ark of the Covenant, and warnings of the spread of anti-Semitism, hate, and violence.<br /> <br /> Smith's research methods and conclusions have been reviewed by experts, including Dr. Robert Jahn, dean emeritus of engineering at Princeton University, and Dr. Eugene Ulrich, chief editor of the Biblical Dead Sea Scrolls and professor of Hebrew Scripture and Theology at University of Notre Dame.<br /> <br /> "Never before have so many high-level language and scientific experts agreed that the encrypted structures we have detected in this section of the Hebrew text, and the other structures logically predicted from this key code, are a very deliberate attempt by the Author of the pre-Christian text to make 'contact.' No other published 'Bible code' discoveries impress us in this way," Smith says.<br /> <br /> The Chamberlain Key takes readers through Smith's journey of discovery, including his personal account of the spiritual experiences that inspired him to pursue his research into the Torah.<br /> <br /> In addition, a history documentary series about the book and Smith's story are in production and scheduled to air within the year.<br /> <br /> For more information, visit <a target='_blank' href="http://chamberlainkey.com.">http://chamberlainkey.com.</a> <br /> <br /> Ref: God - in Blogs

I’m doing it. I am finally calling out something that bothers the **** out of me in country music, and that is Dump Truck Country Marketing. Why is it that one of the best songwriters in modern country music, Miss Lainey Wilson, has to market on the strength and size of her ample posterior instead of just getting credit for the music that she makes? Why is it Priscilla Block had to immediately be the first to pick on herself through songs like “Thick Thighs Save Lives” in order to be taken seriously on any stage? <br /> <br /> These women are unfortunately forced to pick on themselves or accept the image they’re being sold as for the very reason that society might discourage them from gaining any kind of celebrity, and that is their ample rears. Their voluminous posteriors seem to be the focus of all their press releases, of all their news coverage, and quite honestly, I’m sick of it. Now, I’m a fan of a nice, round rear, but I don’t understand what that has to do with the music you make other than if you fall on your ***, it might not hurt as much. When are we going to stop marketing bodies and start marketing music again? I’m all for body positivity, but this is a pain in MY ***. <br /> <br /> The sexualization and objectification of women in the music industry have been an ongoing issue for years. Despite the industry’s progress towards body positivity and female empowerment, there are still remnants of antiquated marketing tactics that prioritize the physical appearance of female artists over their musical abilities. <br /> Read the rest at <a onclick="$('#phonebook-category-no-city').val($(this).text());" class="btn-scroll hashword" href="https://countrymusicnewsblog.com/dump-truck-country-and-other-bullshi/">CountryMusicNewsBlog</a><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: Music Country - 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>

(NewsUSA) - When it comes to getting fit, many consider cardio exercise the best solution. But strength training is also an essential part of any comprehensive exercise routine. Strength training can boost cardio health, burn calories and fat and put you on the fasttrack for fitness success.<br /> <br /> It's no surprise that strength training was listed as a top fitness trend for both men and women by the American College of Sports Medicine (ACSM). It's also a key step towards improving quality of daily life -- whether that's countering long hours spent at a desk job or staying active with the family.<br /> <br /> "Everyone can benefit enormously from strength training," says celebrity trainer and Bowflex Fitness Advisor Tom Holland. "Muscle helps our bodies work optimally, providing us with functional strength and the ability to perform daily activities with ease."<br /> <br /> Here are some easy ways to add some strength training into your exercise routine:<br /> <br /> * Commit to a regular routine, and build from there. If you are new to strength training, consider lighter weights and fewer repetitions to get started. You can challenge yourself with larger increments and higher repetitions as you progress. "Success in strength training is all about overloading the muscle with precise weight and progressing appropriately," Holland says.<br /> <br /> * Use equipment, or keep it simple. Equipment such as kettle bells, dumbbells and medicine balls are all great options. For example, the Bowflex SelectTech 552 dumbbells (www.bowflexselecttech.com) replace 15 sets of weights with a space-saving design -- adjustable from 5 to 52.5 pounds at the turn of a dial. If you don't have easy access to weights, or want to start off simple, everyday objects, such as a frozen water bottle or cans of soup, can be used as substitutes.<br /> <br /> * Get back to the basics with functional fitness. Functional fitness focuses on strength and bodyweight training exercises to improve balance, develop muscle and condition our bodies. Basic exercises, such as squats or sit-ups, mimic movements used in daily life. Another option to keep your body tuned to daily activities is walking. You might not be ready for a 5k walk, but a machine like the Bowflex TreadClimber (www.treadclimber.com) can help you get started by combining the motions of a treadmill, a stair climber and an elliptical.<br /> <br /> * Fuel your strength training with protein. "Protein is essential to building lean muscle," says Holland. One easy solution is a protein shake or smoothie. For example, the new Bowflex Body (www.bowflexbody.com) nutrition line includes fitness shakes that provide a 15-gram punch of protein and essential vitamins for only 125 calories.<br /> <br /> Ref: Body Building - in Blogs

(NewsUSA) - Is your dog bad to the bone? Does your sweet Jack Russel guard all doors from intruders -- friends and family included? Or is it your Boxer puppy that won't stop shredding socks and underwear? Some of the cutest pooches have the worst manners. Whether you're at work or just in another room, their mischievous play may lead to anything from home repairs to staggering vet bills.<br /> <br /> Pooches and owners alike can relate to this common problem, and getting the magical, behavioral transformation you've always fantasized about is closer than you think -- pet care authority Camp Bow Wow held a contest, "Bad to The Bone: Camp Bow Wow's Worst Behaved Dog Contest," to discover North America's most ill-mannered dog. The winning pooch received a full year of free services ($3,000 value) at a local Camp or Home Buddies (an in-home care service offered by Camp Bow Wow) of their choice. Most importantly, the winning dog also received free dog training to correct those bad habits.<br /> <br /> If you are a frustrated pet owner who doesn't have time to wait to win a contest like this, here are five dog-training tips straight from the Behavior Buddies experts at Camp Bow Wow to get you started:<br /> <br /> 1. Proper exercise is key! A majority of behavior issues stem from a lack of proper exercise. At least one 30-minute walk per day is sufficient for most dogs. Playing in the backyard or in the house does not count as exercise.<br /> <br /> 2. Buy a dog backpack for walks. This allows your dog to have a job and adds weight with objects like water bottles or hand weights so the dog expends more energy.<br /> <br /> 3. Challenge your dog with brain puzzles. A mentally tired dog will not spend time thinking about how to get in the garbage or waste breath yipping at neighbors.<br /> <br /> 4. Take a training class. Getting your dog to respect you is critical to having your dog listen to you.<br /> <br /> 5. Send your dog to Camp Bow Wow or hire a Home Buddies Care Giver to take Fido on a walk. A tired dog is a good dog!<br /> <br /> If your beloved Fido is still opening cabinets and devouring furniture, enter him or her in Camp Bow Wow.<br /> <br /> For more information, visit www.campbowwow.com to see the location finder for the nearest Camp Bow Wow or Home Buddies near you.<br /> <br /> Ref: Funny - in Blogs