<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) - 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) - Sports-related injuries are common and, when an athlete is hurt, care follows a proven, long-standing protocol of rehabilitation. But what happens when impact occurs to the head, face or jaw, and -- at the time -- no immediate injury is diagnosed?<br /> <br /> Weeks, months or even years later, many of these players begin to experience headaches, TMJ/D, migraines, vertigo or tinnitus -- estimated to impact 50 million people in the U.S. to some degree.<br /> <br /> "Undiagnosed head trauma from sports injuries -- or other types of impact, including minor car accidents -- is one of the most common causes we see of chronic headaches, migraine, tinnitus and vertigo," says Dr. Ben Burris, an orthodontist with 28 clinics in Arkansas.<br /> <br /> Now, these long-term and sometimes debilitating conditions can often be resolved with a painless, non-invasive treatment without drugs or needles -- and all at the dentist's office.<br /> <br /> "For over three years, we have been able to help patients with conditions caused by sports injuries," says Dr. Tad Morgan of Tyler, Texas. "If you damaged your knee or shoulder, you would go to the sports medicine clinic for rehab. With injuries to the head, face or jaw, rehab was unavailable until the advent of TruDenta care."<br /> <br /> Once diagnosed using a painless, digitally enhanced process, patients receive treatment through a proprietary combination of FDA-cleared, low-level laser therapy, therapeutic ultrasound and other modalities. Each of these was originally developed by MDs in sports medicine to speed the healing of joints and force-related traumas. The TruDenta system can quickly resolve issues in the head, neck, face and jaw, which people may have suffered for years.<br /> <br /> "Many of our patients with chronic headaches and migraines are females who have played sports -- soccer, gymnastics or even cycling," says Dr. Richard Hughes of Sandy, Utah. "The common denominator is some form of undiagnosed head trauma which was not properly rehabilitated and resulted in long-term painful symptoms."<br /> <br /> TruDenta doctors report rapidly resolving these issues for the majority of patients with long-lasting results. Care is often covered by medical insurance, and TruDenta doctors provide a free consultation.<br /> <br /> "We are excited to help these patients in 12 weeks or less without drugs or needles," says Dr. Jeffrey Mastroianni of Glen Carbon, Illinois. "It is truly life-changing for many."<br /> <br /> To download the free e-book "Start Living Pain Free," visit www.TruDenta.com/NUSA or call 844-202-2651. <br /> <br /> Ref: Fitness - 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) - 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

MaruNaga offers you a best in-class vegetarian buffet. If you want to be healthy, the best way to achieve this goal is by eating well and exercising regularly. MaruNaga is the best way to start your healthy journey. <br /> <br /> What we need<br /> <br /> We're looking for healthy food influencers to invite their followers to our restaurant. We need you to post invitations to invite followers via a 15 second video or a permanent story. We'll send you $1500.00, or 150,000 gift-points once the post is done. If you're interested, simply say you're Interested in a comment below this post.<br /> <br /> CONDITIONS<br /> <br /> Audience<br /> United-States, UK, Australia<br /> <br /> Language<br /> English<br /> <br /> Channels<br /> Lifestyle, Fashion, Beauty, Travel<br /> <br /> Minimum Followers<br /> 1000<br /> <br /> Age Group<br /> 18-65<br /> <br /> Genders<br /> Any<br /> <br /> Post Type<br /> 15 Second Video or Story With Images<br /> <br /> Pay Per Post Amount in Money<br /> $1500.00<br /> <br /> Pay Per Post in Points. 100 Points = $1.00<br /> 150,000<br /> <br /> Commission Per Sale<br /> $0<br /> <br /> Item Shipped For Review<br /> None<br /> <br /> Must Create a New Creative From Scratch<br /> Yes<br /> <br /> Must Use The Images And Video Supplied<br /> No<br /> <br /> Must Follow Some Specific Guidelines<br /> No<br /> <br /> Must Avoid Saying or Showing Specific Things<br /> No<br /> <br /> Content Must Be Approved Before Posting<br /> No<br /> <br /> Delivery Delay in Days<br /> 5 Business day<br /> <br /> Delivery Exact Date<br /> None<br /> <br /> Our Website URL<br /> <a onclick="$('#phonebook-category-no-city').val($(this).text());" class="coolinks btn-scroll hashword" href="https://stallios.com/MaruNaga">MaruNaga</a><br /> <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: Influencer Marketing Offers - in Marketing</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

Struggling to keep up with endless customer questions? You’re not alone. Businesses are realizing that AI-powered chatbots are no longer just “nice-to-have” tools they’re essential for delivering fast, 24/7 customer support.<br /> <br /> But here’s the real challenge: with so many chatbot platforms out there, how do you know which one fits your business?<br /> <br /> In this guide, I’ll walk you through the 5 best AI chatbot builders in 2025. These tools are not only user-friendly but also designed to help businesses of all sizes automate conversations, save time, and increase customer satisfaction.<br /> <br /> <br /> <br /> <br /> <br /> What Makes a Great AI Chatbot Builder?<br /> Before diving into the list, let’s set some standards. A solid chatbot builder should offer:<br /> <br /> Ease of use – No-code or low-code platforms are best for beginners.<br /> AI capabilities – Natural Language Processing (NLP) for smarter conversations.<br /> Integrations – Works seamlessly with CRMs, websites, or apps.<br /> Scalability – Can grow with your business.<br /> Analytics – Helps you measure performance and customer interactions.<br /> <br /> If a chatbot builder ticks most of these boxes, it’s worth considering.<br /> <br /> 1. ManyChat – Best for Marketing Automation<br /> manyChat is a go-to chatbot builder if you’re running an online store or want to automate conversations on social media platforms like Facebook Messenger and Instagram.<br /> <br /> Key Features:<br /> <br /> Visual drag-and-drop builder<br /> Automated workflows for lead generation<br /> Supports SMS, WhatsApp, and email campaigns<br /> Integrates with Shopify and HubSpot<br /> <br /> Best For: E-commerce stores and social media marketers who want to convert followers into paying customers.<br /> <br /> 2. Intercom – Best for Customer Support<br /> Intercom is one of the most popular customer communication platforms, and its AI chatbot functionality is top-notch. According to TechCrunch, Intercom has been a pioneer in scaling customer support with conversational AI.<br /> <br /> Key Features:<br /> <br /> AI-powered resolution bot<br /> Proactive customer engagement<br /> Powerful integrations with Slack, Salesforce, and Zapier<br /> Real-time analytics<br /> <br /> Best For: SaaS companies and customer support teams needing advanced automation.<br /> <br /> 3. Tidio – Best for Small Businesses<br /> If you’re just getting started and want something simple yet effective, Tidio is a fantastic option. It combines live chat with AI automation in one platform.<br /> <br /> Key Features:<br /> <br /> Easy to install on WordPress, Shopify, and Wix<br /> AI bot trained to answer FAQs<br /> Mobile app for on-the-go support<br /> Affordable plans<br /> <br /> Best For: Small businesses that want a budget-friendly AI chatbot solution.<br /> <br /> 4. Drift – Best for B2B Sales Conversations<br /> Drift positions itself as a conversational marketing platform, and for good reason. It focuses on creating real-time, personalized chat experiences that drive sales.<br /> <br /> Key Features:<br /> <br /> AI bots qualify leads automatically<br /> Custom playbooks for B2B sales<br /> Integration with major CRMs like Salesforce and Marketo<br /> Personalized chat based on visitor data<br /> <br /> Best For: B2B businesses that rely heavily on lead generation and relationship building.<br /> <br /> 5. HubSpot Chatbot Builder – Best All-in-One CRM Integration<br /> HubSpot offers a free chatbot builder inside its all-in-one CRM. This makes it incredibly useful for businesses already using HubSpot for marketing and sales.<br /> <br /> Key Features:<br /> <br /> No-code chatbot builder<br /> Automated lead qualification<br /> Seamless integration with HubSpot CRM<br /> Free plan with premium upgrades<br /> <br /> Best For: Businesses already in the HubSpot ecosystem who want a cost-effective chatbot solution.<br /> <br /> Final Thoughts<br /> The right AI chatbot builder depends on your business goals:<br /> <br /> Use ManyChat if you’re focused on social media and e-commerce.<br /> Choose Intercom for powerful customer support automation.<br /> Try Tidio if you’re a small business on a budget.<br /> Go with Drift for B2B lead generation.<br /> Pick HubSpot for all-in-one CRM integration.<br /> <br /> At the end of the day, the “best” chatbot is the one that fits your audience, budget, and growth strategy. Start small, experiment, and optimize as you go.<br /> <br /> Have you tried any of these chatbot builders before? Share your experience I’d love to hear which one worked best for you!<br /> <br /> <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: Technology - in Blogs</span>