When it comes to writing a grocery list, I can say that some have been lengthy, and I am not speaking metaphorically. This is what the world of a serial overthinker is all about, where a simple decision can become a mental challenge, and a single line email is sent three drafts later. If you have ever seen yourself staring at your email contemplating a response of “Thanks!” without sounding emotionally detached or weird, I congratulate you, you are likely an overthinker too.<br />Overthinking goes beyond being a habit or lifestyle, it's your second full-time job but without the benefits. It's lying in bed awake, staring at your ceiling, and thinking of how things went a week ago. It involves preparing for a circumstance, dreading the circumstance, encountering the circumstance, and then revisiting it after the fact. Was there anything I forgot? Should I have said something different?<br /><br /><br />Disclaimers come with each good day. A good example of this is when I receive a compliment. In my mind, I am triple checking the meaning behind it. Was it meant? Was sarcasm involved? Were they referring to me or someone else? Once the praise has been accepted, the topic has already changed three times and my opportunity to give thanks has lapsed.<br /><br /><br />The thing is, though, overthinking is more than self-doubt or anxiety. It also involves caring too much. For me, I care about being considerate, clear, and respectful. I also care about avoiding hurt feelings and making good decisions. Afterall, there is a ton of heart beneath it all, regardless of how little sleep I have had.<br /><br />

(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

(NewsUSA) - When business giants Target, Home Depot and Sony got hacked, and personal information was compromised, data security, once again, became a hot topic and household word.<br /> <br /> Sure, you know you need to do more to shield your identity, but let's face it, you can only do so much to protect yourself, and even that is reliant on other people or companies. Unfortunately, these same entities can clearly be careless.<br /> <br /> When people aren't careful, the Internet can become a playground for criminal activity. Whether you're checking your email, banking information or doing some online shopping, you have already put yourself at risk of having your identity stolen.<br /> <br /> Criminals have developed several ways to obtain personal data from innocent Internet users. According to the United States Department of Justice, cyber criminals can take over an individual's identity to conduct a wide range of crimes. Criminals like to make fraudulent withdrawals from bank accounts because victims usually don't become aware of the criminal activity until substantial and irreversible damage has already been done.<br /> <br /> Enter Gabriel, a set of secure communication apps derived from a U.S. Department of Defense project and created by VirnetX, an Internet security software and technology company.<br /> <br /> Gabriel transmits information using automatic virtual private networks with military-grade encryption. Think Cryptograms.<br /> <br /> "Gabriel has been designed and built with personal privacy and security as a foundational principle," says Dr. Robert Short, VirnetX Chief Technical Officer and Chief Scientist. "As a result, Gabriel provides uncompromising data security? users do not have to transmit data to, or store data with, any third party, including VirnetX. Users can therefore rest easy that their data is stored only on their devices."<br /> <br /> Other benefits from using Gabriel include:<br /> <br /> * Making free voice or video calls or sending instant messages to other Gabriel members in your network.<br /> <br /> * Receiving spamless e-mail.<br /> <br /> * Allowing for person-to-person messages that disappear once the session has ended.<br /> <br /> * Sharing pictures or files with other trusted Gabriel users in your network directly from your personal device.<br /> <br /> All of the above is done with other members of your network with the assurance that the transmissions are secured with end-to-end encryption.<br /> <br /> Simply put, Gabriel makes your online communications invisible. Think of it this way: if the bad guys can't see you, they can't attack you.<br /> <br /> Gabriel is free to try. For more information, please visit www.gabrielsecure.com.<br /> <br /> Ref: Computers - in Blogs

(NewsUSA) - They may not make those "Agony of Defeat" sports reels, but amateur athletes get injured all the time. Maybe it's from an awkward golf swing. Or maybe it's from not warming up or stretching before an event.<br /> <br /> Whatever the cause, though, there's one scary thing they have in common with the pros.<br /> <br /> "The reality is that all athletes are one fall, twist, or tweak away from landing their own opioid prescription," Outside magazine warned.<br /> <br /> The warning couldn't be better timed. It's not just that the country is in the midst of an opioid crisis that's claimed the lives of thousands of prescription painkiller abusers and left countless more addicted to the likes of OxyContin. It's also that -- as the magazine also noted -- physicians seem to be starting to heed last year's urging by the Centers for Disease Control and Prevention to dramatically curtail prescribing the drugs.<br /> <br /> According to a survey conducted for the Boston Globe by the SERMO physicians social network, more than half of doctors across America are doing exactly that, and nearly one in 10 have completely stopped prescribing them.<br /> <br /> So what's an amateur athlete suffering from pain supposed to do? One especially popular alternative is drug-free chiropractic care.<br /> <br /> Whereas opioids (and Ibuprofen forms of over-the-counter drugs) only "mask" the pain, doctors of chiropractic approach the problem highly educated and trained in the structure and function of the human body.<br /> <br /> And they use hands-on techniques to help enhance flexibility, muscle strength, and range of motion -; the very things all athletes need addressing. And yes, as the Foundation for Chiropractic Progress' Dr. Sherry McAllister says, chiropractic is covered by most insurance and health plans.<br /> <br /> To locate a nearby doctor of chiropractic,visit f4cp.com/findadoctor.<br /> <br /> Ref: Cool - 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>

(NewsUSA) - In the age of nonstop news and often limited fact-checking, a new digital news publication, Rantt, is moving in the other direction, focusing on slowing the story down, and getting the facts right, even if it means not being the first to publish a seemingly hot story.<br /> <br /> "We're taking an episodic approach to covering stories, and pride ourselves on slowing down the news," Rantt CEO and co-founder Zak Ali says in a feature in The Huffington Post on March 6, 2017.<br /> <br /> "We want to be the opposite of everything we see wrong with the news media: sensationalism, misleading clickbait, false equivalency, etc.," Ali says. "Also, we feel like we are a voice for the disenfranchised population who feel let down by the mainstream media. Rantt will be the first episodic news source that people turn towards to get the full truth the first time," he emphasizes.<br /> <br /> Rantt launched online in November 2016, in the wake of the controversial presidential election. The Washington, D.C.-based startup reports more than 100,000 unique visitors as of March 2017. Data from the company suggests that visitors to the site encompass a range of demographics, but most of its readers are millennials. Rantt's growing popularity also supports the idea that there is still an audience for unrushed, well-documented news stories.<br /> <br /> The company was initially funded by Tricent Capital, a Silicon Valley investment firm, but their success is prompting them to expand and raise additional funds. The site's popularity reflects the public's desire for and interest in accuracy in the news, according to Ali.<br /> <br /> Public interest in politics and current events surged at the time of the election and remain high, opening the door for alternative media options to serve a news-hungry readership. The founders cite the Drudge Report, Politico, and Talking Points Memo as examples of independent online news organizations that are able to fill a niche and serve as an alternative to the traditional mainstream media sources.<br /> <br /> Rantt.com, includes a news section, an opinion section (known as Rantts), a section devoted to news related to President Donald Trump (known as Unpresidented) and a section called Underreported that provides a weekly summary of top news stories.<br /> <br /> Check out rantt.com to read the latest stories, explore contributors' profiles, and follow stories on the company's Twitter feed.<br /> <br /> Ref: Events - in Blogs

(NewsUSA) - A non-surgical technique for lifting double chins, reducing puffiness around the eyes, and improving the appearance of wrinkles is now available in the form of an easy-to-use home kit called The Face Wrap. (www.facewrap.com).<br /> <br /> Previously available as a salon-only treatment, The Face Wrap lifts and tightens drooping areas on the forehead, face, and under the chin by firmly wrapping them up in a mineral-soaked, non-allergenic "face wrap" constructed of non-latex elasticized cotton fabric.<br /> <br /> "The liquid minerals are the secret to the Face Wrap," says Sarah Bolger, The Face Wrap's spokesperson. "The minerals, which are all-natural, draw out impurities from the complexion while giving the skin a firmed and tighter look on the outside and a rejuvenated feel to the underlying tissues."<br /> <br /> Bolger says the all-natural, one-hour facial beautification procedure is safe and painless.<br /> <br /> "Our Face Wrap kits have wrapped many thousands of faces, and we've learned how to produce wonderful changes," says Bolger. "For those looking for an alternative to cosmetic surgery, wrapping your face is an easier way to reduce double chins and puffiness, lift and tighten the skin and enhance your own natural beauty."<br /> <br /> Bolger also recommends exfoliating before using to allow the minerals to absorb better, and exercising the face daily with a few simple exercises.<br /> <br /> Working women want to look their best - especially after 50. But let's face it, most working women find it difficult to carve out an hour or two a week for visits to the day spa. That's the appeal of the home kit. The one-hour treatment can be done at home while reading or on the computer or while resting.<br /> <br /> Women generally look five- to ten years younger after a series of three to six treatments. Most people are surprised to see their cheekbones and jaw bones again!<br /> <br /> Visit www.facewrap.com for more information. The kit costs $139 and contains enough minerals for at least 20 treatments, or about $7 per treatment. A lot less than $80-plus for various salon treatments.<br /> <br /> Ref: Famous - in Blogs

(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.<br /> <br /> 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.<br /> <br /> "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."<br /> <br /> 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.<br /> <br /> 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:<br /> <br /> * 40 percent said that while they don't regret going to college, they would've made different choices in hindsight.<br /> <br /> * Only 14 percent felt the value of their education was worth more than the money they'd spent.<br /> <br /> 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.<br /> <br /> "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.<br /> <br /> 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.<br /> <br /> 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.<br /> <br /> 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.<br /> <br /> 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.<br /> <br /> 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.<br /> <br /> Ref: Education - in Blogs

(NewsUSA) - As the coronavirus pandemic rapidly turned the "new normal" household into hubs for all daily activities, Summer 2020 now means moving parents' offices, kid's camps, vacation destinations, and virtually everything under one roof.<br /> <br /> Although this dynamic could forge family bonds, it can also ignite the already heated stresses and struggles facing many Americans during this difficult time - making optimal home climate control a critical key to keeping their cool as temperatures heat up this season.<br /> <br /> Recent studies show how our increased togetherness can significantly disrupt domestic bliss. In fact, research suggests that people forced to live in quarantine conditions face a greater risk of anxiety, depression, anger, irritability, insomnia and post-traumatic stress symptoms.<br /> <br /> And, despite feeling close to their children during the pandemic, 61percent of parents say they have shouted, yelled, or screamed at them at least once over the past two weeks, according to a University of Michigan study. Further, married and engaged couples in quarantine are fighting more, with only 18 percent of surveyed couples reporting satisfaction in communication with their partner, according to a survey conducted by the publication, "The Knot and app Lasting."<br /> <br /> When temperatures - and tempers - rise, a dreaded "Family Thermostat War" can ensue. Following are some useful tips to help you save money on utility bills and keep your family cool.<br /> <br /> With home heating and cooling accounting for nearly half of home energy use and air conditioner energy expenses costing homeowners more than $11 billion a year, small steps can go a long way.<br /> <br /> * Ease Into Electric: According to Columbia University's Earth Institute, electric systems are a solution to decarbonize home climate control. Among the most energy-efficient heating and cooling products, electricity-powered ductless mini-split systems, offered by companies including Fujitsu General America, can save as much as 25 percent on your energy bill. Mini-splits use thin copper tubing to pump refrigerant from an outdoor compressor directly into an indoor air-handling unit, where the air is quietly distributed to the interior space.<br /> <br /> * Get "Smart" About Climate Control: When it comes to smart home temperature control, there are Smart HVAC Systems and Smart Thermostats. Smart HVAC systems have built-in Internet capability and can be controlled directly without additional equipment. Smart Home Thermostats create "smart" systems by enabling remote temperature control via a mobile or Internet-connected device or voice-operated home automation system.<br /> <br /> * Voice Your Preference: Take control of your comfort. Most HVAC manufacturers offer apps that enable systems to be controlled from anywhere using a mobile device. Voice-control capability uses digital assistants, such as Amazon Alexa or Google Home, to verbally dictate home temperatures. Easily controlling the temperature more closely allows homeowners to be more comfortable and improve energy savings.<br /> <br /> * Find Your Efficient Comfort Zone: Many of us live in homes designed for bigger families, but have yet to downsize. If you find yourself using a fraction of your home on a regular basis, consider upgrading to a zoned, ducted, or ductless system. That will allow you to save energy heating and cooling spaces where you and your family don't spend a lot of time. This will multiply savings as you're not only needing less cooling, but you also gain from a more efficient system in the spaces you do still use.<br /> <br /> * Try Low-tech Fixes: Simple changes can have a big impact. Try to use heat-producing appliances - stoves, irons and dryers at night or early morning. Switch to LED light bulbs instead of incandescent bulbs - which consume 90 percent more power. Seal air leaks around windows, doors, and places where pipes and wires come through walls. And check existing caulking and weather-stripping for gaps or cracks.<br /> <br /> Achieving a sense of peaceful co-existence in your increasingly crowded, multi-functional home does not need to make your family members hot under the collar. If a new system is right for you, many Fujitsu systems with the Energy Star rating are more than twice as efficient as the minimum standard set by the government. To learn more or find a contractor near you, call 888-888-3424 or visit www.constantcomfort.com.<br /> <br /> Ref: Furnitures - in Blogs