(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

Why do people put pressure on others to be themselves then get mad when they do just that? What's meant by "be yourself" if it's not meant to be something to encourage others to be more genuine rather than pretending to socialize the same ways as everyone else? <br /> <br /> Every time I'm told to be myself, I genuinely don't know what's expected of me. Do people want me to fit in with normal behaviors? If that's the meaning, then don't tell me to be myself, because I'm nothing close to normal.<br /> <br /> Me being myself is me explaining that I read Atlas Shrugged because of the fact most of the plot revolves around saving train companies from collapsing under the financial ruin of the country, not because of the commentary on Communism being bad, because I already knew that it didn't work, so I didn't need the politics of it. <br /> <br /> Me being myself is rambling about how the Marvel Cinematic Universe and the Doctor Who Universe makes sense together because they both have moments of time travel, the Stark Tower from the MCU got reused as UNIT Headquarters in Doctor Who, and they'd all get along if they met because they're fighting to save reality day in and day out. There's more in-depth reasons, but I'll spare the details for now. <br /> <br /> Me being myself is me being goofy and nerdy, not fitting in to a social standard that doesn't make sense to me. If I wanted to know if the weather was nice, I wouldn't ask someone who has a different perspective on what nice weather is, as I'm the odd one to prefer rain over sun, I'll just look out a window. <br /> <br /> All of that to say I don't understand why people say to just be myself then get upset if I'm too nerdy for them. If you ask for it, don't be surprised and angry that you got it.<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: Discussion - 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: Discussion - in Blogs</span>

With a nation surrounded by bodies of water and made up of over 700 individual islands, the Bahamas make up the vast majority of the Caribbean. Plus, with a vast array of attractive beaches and crystal clear shorelines, you will surely be able to soak in the sun. Besides the splendor of the beaches, there are many other sights that are only available in the Bahamas. You will also love that the locals have some level of English so asking for directions will be no problem.<br /><br />What's more is that you will find an array of activities available to enjoy. The activities available make the Bahamas a perfect vacation spot for couples, families, or individuals looking to get away for a while. For the adventurer, seeking an adventure in the Bahamas will provide more than what you expect. Plus, with reasonable prices, a Bahamian vacation won't break the bank. As far as prices are concerned, let's take a look at how much it would cost to go on a family vacation to the Bahamas.<br /><br />Price for a Family Vacation to the Bahamas<br /><br />Just like any other vacation, a trip to the Bahamas involves many things that affect the overall price such as the amount of time being spent in the Bahamas, hotel accommodations, where you are flying from, number of family members, and entertainment expenses. It is also important that you have a bit more spending money for unexpected expenses.<br /><br />As you search around online, you may come across several travel sites offering different prices for a Bahama vacation. On average, the price could range from $900 to $950 for a single person. This is not bad when you are staying for at least 3 nights. The price may include your plane tickets, complimentary breakfasts, and hotel charges. You need to keep in mind that a low price such as this may require the departing flight to be from Florida since the route will be shorter than any other state.<br /><br />Essentially, all of the costs you experience will be determined by where you fly out from and your length of stay. <br /><br />If you plan to be traveling as a family or a group of friends, you may experience an even lower price, which could be based on a group rate. All you have to do is choose which group rate will provide the most benefits. You may also want to keep an eye on the prices as they may often change.<br /><br />Cost for a Flight<br /><br />Booking a flight to the Bahamas is not necessarily expensive. Of course, the price may depend on the month you plan to go. For fall flights, you may pay hundreds less than a flight in the summer, which is normal when many are traveling. <br /><br />Bahama Activities To Enjoy<br /><br />The good part about having activities to do is that they all may not cost much or may even be free, such as being on the beach sunbathing. Besides the beach, other fun activities include tours and even snorkeling or parasailing. <br /><br />You need to be aware that the price for activities may increase, which may be caused by their ability to provide some great excitement. Below are a few of the activities you can expect to enjoy while vacationing in the Bahamas.<br /><br />Taking a Dive in the Lucayan National Park Caves<br /><br />With more than 40 acres of caves, the Lucayan National Park provides cave swimming for those who enjoy underwater exploration. Located on Grand Bahama Island, the Lucayan National Park is a prized location for those who love ecology. Prior to your dive, you can enjoy a nice horseback ride or hike among the hardwood forest, the coppice landscaping, and even the mangroves.<br /><br />Visit the Straw Market for Souvenir Shopping<br /><br />If you are good at bartering, then the Straw Market is a good place to get some souvenirs at a low price. The Straw Market can be found on Bay Street. While there you will come across different vendors selling various items to take back home and enjoy.<br /><br />Not only is it acceptable to barter and haggle, but the locals encourage it. No matter what day you feel like going to Straw Market, it will always be open until 8pm. <br /><br />Tackle the Atlantis Paradise Island Waterpark<br /><br />As you enter the waterpark, you will be amazed at what Aquaventure has to offer. As part of the fun, there are over 140 acres of slides, pools, and rivers that are set among a landscape of Atlantis ruins. If you are a resort guest, then you will have free access to the park. If you want to enjoy a day at Aquaventure, then a day pass is easily obtainable.<br /><br />Enjoy Cabbage Beach<br /><br />As you continue to explore Paradise Island, you should make your way to the east side to enjoy the clear waters of Cabbage Beach. With two miles worth of beach Cabbage Beach is able to provide nice swimming in clear water. <br /><br />While you're walking the beach, check out the huts along the beach. You will see a masseuse waiting to provide a relaxing massage as the waves crash nearby.<br /><br />Explore the Pink Sand of Pink Sands Beach<br /><br />That's right, the sand of Pink Sand Beach is truly pink in color. This pink is due to the insects containing the pink color in their shells.<br /><br />The sand remains pink because of the crushing waves that hit the shells. The waves then mix the sand with the remains, which creates the pink sand. Your feet will also love the sand, which is nice and cool and is perfect for beach walks or soaking up the sun.<br /><br />Order a Chilly Daq Shack Beverage<br /><br />While taking in the sun and beach, nothing else is better than enjoying a nice chilly beverage while doing it. At the Daq Shack, you will enjoy a wooden hut with open-air that will provide you with the best rum and freshest fruits to create your favorite drinks. <br /><br />With many trying to be as authentic as the original Daq Shack, you will be at the original when you goto Cable Beach. The original Daq Shack can be pinpointed by the huge amount of business cards strung throughout the establishment.<br /><br />Enjoy a Bite to Eat at Graycliff Hotel<br /><br />Who knew you would be among pirates as you dine at Graycliff Hotel. With its rich history, Graycliff has managed to cater many for more than 250 years in the Bahamas.<br /><br />Although Graycliff is popular for the cigars, the hotel mansion also boasts a tremendous cellar for various wines and of course, a restaurant worthy of five stars. The food is beyond rich but with a traditional Bahamian flair. With that, you will need to make reservations early, sometimes months in advance, so if you plan a future vacation to the Bahamas, it is best to reserve now.<br /><br />Enjoy a Fish Fry Conch<br /><br />Once you have enjoyed a nice frozen beverage at the Daq Shack, head over to Fish Fry for a nice conch. Although this dish is the unofficial island favorite, its popularity is beyond proportion. A multitude of vendors are lined up to provide their take on conch as well as rice and plantains.<br /><br />Although you can enjoy the Fish Fry any day of the week, Friday and Saturday boast the most fun with an atmosphere filled with rum and music lasting throughout the night.<br /><br />Enjoy Spectating Cricket Matches<br /><br />Head over to the Cricket Club to enjoy some tasty food and beverages while watching some cricket matches. For the best views, you are best to sit above in the balcony and enjoy the pitch from above. The seating above is great for enjoying a cold beverage as the cool breeze helps you to relax and enjoy the tropical surroundings.<br /><br />Head Over to John Watling for some Rum Sampling<br /><br />By adding some rum, you´ll enjoy a true Bahama experience that John Watling can provide. With over 20 years of rum production, the distillery filters the rum with coconut and does a good job at it. John Watling sits comfortably on the Buena Vista Estate and boasts two acres of lushness. Access to John Watling distillery is 7 days a week and tastings and tours are also available. Before you leave, make sure to grab their estate cocktails, which are available in half gallon size.<br /><br />Test the Stacks at Baha Mar Casino<br /><br />With a lot of naturalness surrounding your family vacation, it is nice to escape the family to enjoy some gambling with other adults. With some extra glitz available in Nassau, you can try a hand of cards at the Baha Mar Casino. With a few resorts to spend the night, the Baha Mar Casino connects each property to the others and is highly known as the Caribbean's biggest casino. Make sure to have a drink ready to calm the nerves before hitting the casino floor to face the 110+ tables and more than enough slots that will keep you occupied for the entire night. <br /><br />Go Diving in Thunderball Grotto<br /><br />Going for a dive just got better as you explore Thunderball Grotto. While in the cave, you will recognize it from a James Bond movie. You will find it near Staniel Cay, and enjoying the pool is a great way to relax and explore while also transporting yurself back to the days of espionage.<br /><br />Head to Sandy Toes for some Snorkeling <br /><br />Located 30 minutes by boat, you can head to Rose Island to relax at Sandy Toes and enjoy a fresh beverage at its beach bar. At the shoreline of the island, it provides great seclusion that only a tropical island can offer. While you are there yu can head out for some snorkreling or go out running with the pigs that inhabit the island. <br /><br />When you are finished with that, enjoy a nice beverage in a hammock to relax the rest of the day.<br /><br />Head to Andros for some Barrier Reef Snorkeling<br /><br />If you have fins and mask, then you will love getting to use them at Andros along the barrier reef. As one of the largest islands in the world, you will enjoy seeing what marine life await you in the Caribbean. Often referred to as the Big Yard, you will find it mostly uninhabited. This allows the island to remain quiet and tranquil. <br /><br />Besides the reef, you will enjoy the vast amount of shipwrecks, blue tangs, scorpionfish, and parrotfish.<br /><br />Bahama Seasons<br /><br />The seasons in the Bahamas have a high season that starts in December and ends in April and the “winter” is a tropical warm climate. Regardless, many continue to visit regardless of the season and hurricane season does not seem to deter the visitors. To get the most out of your vacation, it is best to avoid the season of Spring Break, which begins in March and ends in April. By avoiding the Spring Break, your family can enjoy what the island has to offer without worrying about drunk college kids.<br /><br />Extra Expenses You Can Expect<br /><br />Besides the prices for all of the activities you enjoy, you will need to account for the expenses that will be added on top. We are sure that you do not want to just stay in your hotel for the entire time your family is vacationing. <br /><br />Knowing that, you also need to know about some other expenses that you may see every day that you remain in the Bahamas. While some may be on top of what you will be paying, some may be added to the overall price you pay. Keep in mind that the prices for each are considered average.<br /><br />Your Accommodations<br /><br />Many of your accommodations will be covered after you book your family vacation. But you may want to stay in other hotels as you explore the Bahamas. On average, you can expect to pay a daily rate of $65 for a night. Of course, if you need more space, then you will be paying more so do some research prior to booking. <br /><br />Dining Expenses<br /><br />Having a hotel that serves a free breakfast will save you some money each day you stay there. Luckily, most of the sites that will book your stay include hotels that provide a free continental breakfast. This will provide you with some extras spending money to enjoy other food outside of the hotel. <br /><br />When you have a daily budget of around $40, you will easily enjoy the variety of food options available to you. This is great when the majority of the cuisine will be seafood-based. You should be ready for any dish, but in case you need some pointers on what to try, we've listed a few of the most popular that you will enjoy for less than your budget amount.<br /><br />Conch - This dish is nationally known and favored by many in the Bahamas. As a mollusk, the seafood is breaded and fried and served along with lemons. No matter where you adventure off to, you will likely see it in every restaurant you visit. A lot of times it is listed as an appetizer, however you may combine it as a main dish.<br /><br />Boiled Fish with Grits - This Bahamian dish is served frequently during breakfast. The fish is cooked in a spice broth made up of peppers and onions along with lime juice. A nice serving of grits is then served alongside it. <br /><br />Fish Stew - This healthy stew will be found throughout every restaurant regardless of where you are in the country. It combines celery, tomatoes, onions, spices, and of course fish.<br /><br />Getting Around<br /><br />Getting around by taxi or bus may cost around $20 each day. With water taxis, you could be paying as much as $35 per day.<br /><br />Separate Entertainment<br /><br />Enjoying a nightlife without the kids can offer nice alone time with your spouse. If you are a night person then going to various bars can put you back $25 for a night of fun. You may also be tipping so throw in a few more dollars for that. <br /><br />Ocean Excitement<br /><br />Being surrounded by the ocean means you have many opportunities to enjoy the activities that go along with it. You can enjoy kayaking for 4 hours for $65, pay $70 for snorkeling trips, or pay $45 to enjoy a jet ski. For a parasailing adventure, you can expect to pay close to $245 for a group of three.<br /><br />Don´t Forget your Souvenirs<br /><br />With photos and videos making up the majority of your souvenirs, it is also good to have an item that you purchase from within the Bahamas. With a souvenir being displayed in the house, others can easily ask about it and you can recall the moment you purchased it. On average, the amount you spend may be less than $3.<br /><br />So What is the Total Cost<br /><br />Taking everything into consideration and including the extras after your ticket and accommodations, you may be easily spending between $1,500 and $2,000 for your families entire vacation. This is not bad considering all that the Bahamas has to offer its visitors.<br />

Beyond Ordinary Beaches: Solo Camping at Bukit Pengilon, Gunung Kidul, Yogyakarta<br /><br />Have you ever found yourself sitting idle, wondering where to go for your next adventure? The beach sounds appealing, but you want something different from the typical coastal experience. If this resonates with you, then you're in the same boat as I was, and I have the perfect solution to share.<br />Currently staying in Yogyakarta, I decided to explore one of the region's coastal gems. Yogyakarta is renowned for its stunning beaches, particularly in the Gunung Kidul area, which has undergone massive road infrastructure development in recent years. Access to Gunung Kidul from Yogyakarta city has become remarkably convenient and relatively quick. Among the coastal destinations in Gunung Kidul, my choice this time was Bukit Pengilon Beach.<br /><br />A Beach Unlike Any Other<br />Bukit Pengilon isn't your typical Gunung Kidul beach with pristine white sand perfect for water activities. Instead, it offers a breathtaking panorama of ocean views, coastal landscapes, rolling hills, and dramatic cliffs. The seascape from this vantage point is absolutely captivating, and I can confidently say that Bukit Pengilon ranks as the most beautiful beach in Yogyakarta. If you're visiting Yogya, you must experience this destination at least once.<br /><br />My Solo Camping Adventure<br />My beach getaway took place on May 30, 2025, and I planned an overnight camping trip to fully immerse myself in Bukit Pengilon's stunning scenery. This was a solo camping adventure, as none of my friends were available to join me at the time. I frequently embark on solo outdoor activities like camping because I genuinely enjoy the tranquility and peace that nature provides.<br /><br />Getting There<br />My journey began from Kaliurang, Sleman, Yogyakarta at 5:30 AM, arriving at Bukit Pengilon by 8:00 AM. The 2.5-hour drive passed smoothly despite moderate traffic conditions.<br /><br />Bukit Pengilon is accessible by both motorcycle and car, though cars cannot reach the main entrance directly. Car travelers must park at the designated area before the tourist site and either walk or hire local ojek (motorcycle taxi) services provided by village residents. The route from the parking area to the tourist site is quite challenging and steep, so motorcyclists should exercise caution.<br />Cost breakdown:<br /><br />Beach area entrance: IDR 8,000<br />Overnight motorcycle parking: IDR 10,000<br />Tourist site entry: IDR 2,000<br />Camping fee: IDR 20,000<br /><br />Optimal Visiting Times<br />The best times to visit Bukit Pengilon are during morning or late afternoon hours. Morning visits offer cooler sunlight and optimal lighting conditions for photography enthusiasts. As the sun climbs higher, temperatures can become uncomfortably hot for some visitors. Midday photography isn't ideal due to harsh lighting that diminishes the coastal panorama's visual impact.<br />If you have ample free time, consider staying until sunset, as the evening panorama is truly enchanting, especially by Yogyakarta standards.<br /><br />The Magic of Overnight Camping<br />For those with extended leisure time, I highly recommend experiencing this beach through overnight camping. Spending a full night at the coast proved surprisingly delightful and beautiful. You can enjoy your time while gazing at billions of stars overhead, accompanied by the rhythmic symphony of crashing waves.<br /><br />Stargazing Paradise<br />Astrophotography enthusiasts will find Bukit Pengilon an excellent choice for pursuing their passion. The starry panorama at Bukit Pengilon is absolutely magnificent. You can observe various stellar constellations including Scorpion, Ursa Major, and many others. Such pristine starry views are increasingly rare in Yogyakarta, particularly in urban areas where light pollution obscures celestial visibility.<br /><br />Why Bukit Pengilon Should Be Your Next Destination<br />After reading this account, I'm confident you'll be inspired to make this beach your next travel destination in Yogyakarta. Bukit Pengilon offers a unique coastal experience that transcends ordinary beach visits, combining natural beauty with adventure and tranquility.<br /><br />Whether you're seeking stunning photography opportunities, peaceful solitude, or an unforgettable stargazing experience, Bukit Pengilon delivers an extraordinary coastal adventure that will leave lasting memories.<br />Have you had similar experiences or questions about visiting Bukit Pengilon? Feel free to share your thoughts in the comments below!

(NewsUSA) - Beauty, like health, goes beyond the visible surface. While many of us manage our wellness via diet, exercise and check-ups, we don't apply the same 360-degree approach to our beauty regimen. It's possibly due to lack of viable options.<br /> <br /> Neauvia International Group recognizes this incongruity and aims to transform the way we practice beauty and solve skin care challenges by extending its premium energy-based devices into the United States.<br /> <br /> In the hands of trained medical aesthetics professionals, Neauvia devices leverage sophisticated technology such as thermo-lifting and water peeling to deeply target your areas of concern. With years in the global skin care market, Neauvia's approach pairs this advanced technology with specially formulated skin care for remarkable results.<br /> <br /> "Over a decade of Neauvia's international skin care success has taught us that a single product does not meet the overall demands of and desired outcomes for patients or providers," says Sean Wilson, President of newly launched Neauvia North America. Best-in-class treatments do, however. They also require training and certification. So, take time to research your local plastic surgeons, dermatologists, aestheticians and med spas because they offer you access to these revolutionary non-invasive treatments that are not available for home use, and to professionals qualified to use them. They'll work with you to customize an optimal treatment plan to achieve your desired results.<br /> <br /> Often, using multiple technologies per session yields a marked difference. The Zaffiro treatment combines thermo-lift technology with the gentle exfoliation of water-resurfacing and specific solutions for your skin type and desired results. It delivers lifted, tightened and hydrated skin with less visible lines and wrinkles.<br /> <br /> Energy-based devices strengthen and surpass home treatments. Let's say you love the fresh feeling and smooth, even texture of your skin after you do an at-home face scrub. Try adding a water-peeling facial like the Zaffiro treatment once a month for more deeply cleansed and revitalized skin.<br /> <br /> Treatments can rejuvenate beyond your face and neck. Zaffiro's thermo-lift technology gradually heats the deep layers of the skin, stimulating collagen and prompting lifting and tightening effects. It can be applied to tighten the décolleté and upper arm skin, give the tummy and derriere a firm appearance and even help tighten up post-pregnancy belly skin.<br /> <br /> Innovative energy-based devices can yield beautiful effects by working with the body's natural functions in a way that is safe, reliable, and non-invasive. They're less costly and require little to no downtime. This makes them an excellent way to fine tune your appearance and delay signs of aging without a lengthy recovery time. In fact, many of these innovative treatments provide results when done over a lunch hour! Dr. Joshua Weitz, MD, CEO of Dermatology Associates of Rochester sees them growing in appeal and use. "The non-invasive market is the future, and I anticipate Neauvia will be a guiding light in providing exceptional solutions," Weitz says.<br /> <br /> A well-rounded skin routine ensures that your actions - daily, monthly, over time - compound for outstanding outcomes. Incorporating treatments using Neauvia energy-based devices is simple yet addresses the complexity of your skin and helps attain your best overall skin health and appearance.<br /> <br /> Ref: US - News

<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) - Preparing to pop the question this Valentine's Day, but unsure how to choose the right engagement ring? Read on for all the tools you need to make the perfect pick!<br /> <br /> While choosing an engagement ring can be exciting, the variety of settings, precious metals, and diamonds can be overwhelming. However, the following tips will help you in finding the ideal diamond engagement ring. <br /> <br /> Set your price limit.<br /> <br /> Before you start shopping, know how much you want to spend. There is no right or wrong amount to put toward a ring, and many beautiful stones and styles are available to suit any budget. It's important to note that lab-grown diamonds can be up to 40 percent less expensive than mined stones. <br /> <br /> Learn the "4 C's" of diamonds.<br /> <br /> These are: cut, color, clarity, and carat. Here's the translation: <br /> <br /> Cut: The cut of a diamond is the most important factor in determining its fire, brilliance, and sparkle.<br /> <br /> Color: Not all diamonds are clear; some have varying tints of yellow.<br /> <br /> Clarity: A measure of the number of flaws or inclusions in the stone.<br /> <br /> Carat: A measure of the weight of the diamond. However, more weight also indicates a bigger size. <br /> <br /> Consider shape.<br /> <br /> The common diamond shapes used in engagement rings are round, cushion, pear, oval, princess, radiant, and emerald.<br /> <br /> Each of these shapes has its fans and distinctive features. For example, a round diamond is the classic engagement ring style, but the larger facets of a cushion style can enhance brilliance, and the elongated emerald cut presents a bold look that can make a diamond appear larger than its carat weight. <br /> <br /> Choose a setting.<br /> <br /> Deciding the right setting or diamond shape for your stone is a personal decision. Some people have specific ideas for a setting, and take more time on the stone, or vice versa.<br /> <br /> However, not all settings accommodate all shapes so it's important to prioritize one or the other if you are set on a particular shape or setting.<br /> <br /> Typical engagement ring styles include the solitaire, a simple band that showcases any diamond shape; halo, in which a central stone is surrounded by smaller diamonds; classic, which features a row of accent diamonds along the ring band; and vintage, which replicates design styles from different time periods. <br /> <br /> Contemplate your center stone.<br /> <br /> When it comes to your center stone, there are a few different options to choose from. Although diamonds are the most popular, birthstones, moissanite, and cubic zirconia are also great budget-friendly options.<br /> <br /> In regards to diamonds, there are two types to choose from: mined diamonds and lab-created diamonds.<br /> <br /> While mined diamonds are extracted from the earth, lab-grown stones are guaranteed to be ethically sourced and, as mentioned above, up to 40 percent less expensive.<br /> <br /> Both types are identical in terms of chemistry and physical appearance. However, interest in lab-created diamonds has surged in recent years as more couples are concerned with sustainability, as well as beauty and romance.<br /> <br /> Ref: Dating - in Blogs

(NewsUSA) - Sponsored by GAF - It's time to stop thinking of Millennials as totally uninterested in owning anything just because they were early adopters of Uber.<br /> <br /> The newly released U.S. home ownership rate rose in 2017 for the first time in 13 years - it now stands at 64.2 percent - driven mainly by a shift towards owning over renting by the under-age 35 crowd who'd been wary of committing for both financial and personal reasons.<br /> <br /> "This is happening because young households are buying homes. Full stop," Ralph McLaughlin, chief economist at home listings provider Trulia, told the Wall Street Journal.<br /> <br /> They're not the only purchasers, of course. Which means if you're looking to sell your house now or in the not too distant future, you might want to check out this generational roadmap to four upgrades experts say are worth it to help attract potential buyers.<br /> <br /> * Cross-generational: a new steel door. The only thing that beat it on Remodeling magazine's annual Cost vs. Value Report for 2017 was loose-fill attic insulation, but this project - with a 90.7% return on investment - speaks directly to the report's main takeaway: "Curb appeal projects, by and large, generated higher returns on investment than work done inside the home."<br /> <br /> Plus, as far as Millennials go, while their ideal interiors may differ from older generations - for example, they prefer open floor plans and hardwood floors - Architectural Digest says they're still into "traditional exteriors."<br /> <br /> * Millennials: smart-home tech. Yes, there are Boomers and Generation Xers who are super tech savvy, but Millennials especially crave homes that allow them to control their heating, air-conditioning, home security, and lighting systems from their phones.<br /> <br /> "They want to use their brains for other things, not for remembering whether they adjusted the heat or closed the garage door," Angie's List stressed.<br /> <br /> * Cross-generational: a new roof. It's the ultimate curb appeal enhancer and a perennial Remodeling magazine A-lister, with Credit.com having observed that "buyers pay a premium for one already in place."<br /> <br /> So if the first thing prospects notice even before exiting their cars looks like something out of "Twister," you've got a problem.<br /> <br /> "It's a huge turn-off," said Patsy O'Neill, a sales associate with Sotheby's in Montclair, New Jersey, "and makes buyers of all ages predisposed to find even more things they don't like."<br /> <br /> If your roof does need replacing, those particularly interested in targeting Millennials might want to consider the very affordable Sienna line of diamond-shaped shingles from GAF (gaf.com), North America's largest roofing manufacturer, since they capture that generation's sensibilities.<br /> <br /> "They pick up on key Millennial style trends of natural, clean materials, clean lines, and the integration of artistic elements," said Leslie Franklin, executive director of residential marketing at GAF.<br /> <br /> * Millennials: all-new appliances. Realtors will tell you that major kitchen (and bath) upgrades aren't generally worth their high costs, in terms of return on investment, since prospective buyers' tastes can clash with yours.<br /> <br /> However, Millennials do love, love, love all-new stainless steel appliances. So much so that what RealtyTimes.com called "an astonishing majority of 75 percent" of respondents in a recent survey chose to spend their hypothetical home buying budgets on them.<br /> <br /> Ref: Gardens - 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