(NewsUSA) - If you're reading this story, that probably means you're a concerned parent who wouldn't dream of buying your 8-year-old the new "Battlefield 4" video game for the holidays, no matter how many hissy fits are thrown. But let's face it, you've also got a zillion other things on your mind right now -- how's that work deadline coming? -- and not every title is so obviously age-inappropriate.<br /> <br /> What to do?<br /> <br /> Well, first, remember the reason most kids enjoy playing video games is a positive one. "When kids are asked, in focus groups and surveys, what they like about video games, they generally talk about freedom, self-direction and competence," Peter Gray, a research professor at Boston College, wrote in Psychology Today. And second, know that you're not without helpful resources.<br /> <br /> Here's how to ensure you make a smart choice:<br /> <br /> * Check the box. Not only does each one include a letter on the front indicating the maturity level assigned by the Entertainment Software Rating Board (ESRB) -- i.e., "EC" for early childhood, "E10+" for those 10 and over, and "T" for teen -- but the cover's flip side provides the basis for the grade. Meaning, if you're unsure whether a video game rated "E" for everyone (or even "M" for mature, 17 or older) is right for your child, content descriptors like "fantasy violence" could be the clincher.<br /> <br /> And while producers aren't required to submit games for review, retail partners of the ESRB like GameStop (www.gamestop.com) say they make a point of only carrying ESRB-rated games. "Each child has a unique personality, and we believe in helping parents protect younger players from overly mature content," says Jason Cochran, vice president of store operations and strategic initiatives at the company, which is the world's largest multichannel retailer of video games.<br /> <br /> * Understand the gaming lingo. You know that clueless feeling you get when your child drops gamer terms like "FPS" around the house? The website RespectTheRatings.com explains their meaning -- in this case, "first person shooter," signifying a game where the player sees the action through the eyes of its main character -- and also offers such other handy tips as the availability of built-in parental controls on consoles and handheld devices.<br /> <br /> * Ask the experts. About 73 percent of all video games are rated "E" through "T," and GameStop actually has "Game Advisors" in every store who can tell you which ones harness creativity ("Disney Infinity"), say, and which are delightful fantasies ("Angry Birds: Star Wars").<br /> <br /> One last tip: When in doubt, try the games in stores yourself.<br /> <br /> <br /> Ref: Gaming - in Blogs

(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.<br /> <br /> 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.<br /> <br /> "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.<br /> <br /> 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.<br /> <br /> "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."<br /> <br /> 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.<br /> <br /> For those authors wrestling with the idea of self-publishing, consider this:<br /> <br /> - 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.<br /> <br /> - 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.<br /> <br /> - Make more money. Authors who opt to self-publish can set their own prices and take home a higher percentage of royalties.<br /> <br /> 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.<br /> <br /> 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.<br /> <br /> "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."<br /> <br /> 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.<br /> <br /> Who knows? Maybe the best seller list is closer than you think.<br /> <br /> For more information, visit <a target='_blank' href="https://kdp.amazon.com/en_US/.">https://kdp.amazon.com/en_US/.</a><br /> <br /> Ref: Books - 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

(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) - A gold coin worth $7 million dollars. What could make one coin so valuable? The coin, purchased at an auction in 2002, was a 1933 Double Eagle, a survivor from a time when the U.S. government made owning gold illegal. Now, due to the economic downturn, Americans might be turning their attention to gold once again.<br /> <br /> People have used gold coins since 640 B.C. -; the metal has inherent value, making its value more stable than paper currency. It is soft, malleable and easily hammered thin. Pure gold does not rust or tarnish -; it keeps its beauty and value, no matter its age.<br /> <br /> The U.S. first produced official gold coins in 1795, with $5 and $10 coins that still remain attractive to serious collectors. Massive amounts of gold were later discovered in the U.S. in 1848. By 1849, America was making the Double Eagle, or the Twenty Dollar Gold Coin. Containing nearly a full ounce of pure gold, Double Eagles remain some of the most famous coins ever minted. The first U.S. Mint, located in Philadelphia, produced gold coins up until 1933.<br /> <br /> So, why did they stop? The U.S. entered a financial crisis. Banks failed, and the U.S. economy started to fall fast. Americans no longer wanted unreliable paper or cheap-metal currencies -; in a time of economic insecurity, gold coins promised to retain their value. In response, the federal government decided to outlaw gold. Americans exchanged their gold coins with the federal government, where the Double Eagles were melted into gold bars. Those same gold bars still exist, in storage, at Fort Knox. A few straggling Double Eagle coins escaped the recall -; now, they fetch millions of dollars at auction.<br /> <br /> And they might soon become more valuable. The current financial crisis has once again made gold interesting to investors -; according to the New York Mint, gold is selling at unprecedented levels.<br /> <br /> For more information about gold coins or coin collecting, please contact the New York Mint at 800-642-9160 ext. 4390 or visit its Web site at www.newyorkmint.com.<br /> <br /> Ref: Collectors - in Blogs

(NewsUSA) - The upcoming school year will be like nothing teachers, students, and families have ever experienced, as the ongoing COVID-19 pandemic steers school systems to embrace online learning and incorporate it in new ways.<br /> <br /> However, school systems across the country are rising to the challenge and staying connected to their students with dynamic digital resources, such as those from Discovery Education.<br /> <br /> Since the beginning of the pandemic, school systems across the country have invested in digital services like Discovery Education Experience because they support students' education at home, in the classroom or wherever learning is taking place.<br /> <br /> Experience - Discovery Education's flexible K-12 learning platform - connects educators to a vast collection of compelling high-quality, standards-aligned content, ready-to-use digital lessons, and professional learning resources. Together, these resources give educators everything they need to facilitate instruction in any learning environment and create lasting educational impact.<br /> <br /> "Discovery Education is committed to keeping students and teachers connected to learning at home or in school," says Scott Kinney, Discovery Education's president of K-12 Education.<br /> <br /> "To accomplish that, we partner with school systems to provide students and teachers the digital resources - such as Discovery Education Experienc - they need for success during this school year and beyond."<br /> <br /> In addition, to providing school systems digital resources Discovery Education provides teachers the professional development they need to use new technologies and maximize their school district's technology investment.<br /> <br /> Discovery Education has a long history as a global leader in digital curricula that align with the current standards for K-12 education, and their products include digital textbooks, multimedia resources, and professional learning for educators.<br /> <br /> Visit discoveryeducation.com for more information about the company's resources, and visit <a target='_blank' href="https://www.discoveryeducation.com/district-partners">https://www.discoveryeducation.com/district-partners</a> to determine whether your local school district is making Discovery Education materials available to their students for the upcoming school year.<br /> <br /> Ref: Colleges - in Blogs

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(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) - 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