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Benny Jacobi Benny_Jacobi
Next-Gen game is the new exciting game where you can be part of the story and action. Simply select your world and assets and click on start to experience one of the most amazing and fascinating adventures of your life.
AUDIENCE
General - All ages
ABOUT US
We are GameWorld. A multi-national video game publisher company on a mission to create the next-gen games.
PAGE URL
Your Stallios page url
Ref: Entertainment - in Apps
<center><button data-toggle="modal" data-target="#appModal" class="btn btn-default app-button" style="width: 130px !important;margin-bottom:25px;font-weight:bold"><i class="fa fa-gamepad" style="margin-right:7px;color:#777"></i>Play App</button><input class="app-url" style="display:none!important" value="https://stallios.com/game-2/index.html"></center> <br />
Next-Gen game is the new exciting game where you can be part of the story and action. Simply select your world and assets and click on start to experience one of the most amazing and fascinating adventures of your life.<br />
<br />
AUDIENCE<br />
General - All ages<br />
<br />
ABOUT US<br />
We are GameWorld. A multi-national video game publisher company on a mission to create the next-gen games.<br />
<br />
PAGE URL<br />
Your Stallios page url<br />
<br />
<br />
Ref: Entertainment - in Apps
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Millie Zemlak Millie_Zemlak
(NewsUSA) - Three square meals a day are a thing of the past. Busy schedules, diverse dietary preferences and the flow of modern life necessitate more flexible and convenient meals. Luckily, snacking is in the midst of a revolution. Traditional snacks like chips and pretzels have given way to bigger, better and healthier options that deliver both convenience and nutrition in one tasty package. Whether clean-label, organic, vegan or nutrient-added, it's up to ingredient suppliers and manufacturers to develop products that meet all of these demands. That's certainly a tall order.
While there are no standard requirements for clean label snacks, naturally derived gums, hydrocolloids and colors are generally accepted in such applications and have become increasingly popular. You might see these ingredients listed as carrageenan, a soluble fiber from red seaweed, or cellulose gel, which is a refined plant fiber. In many foods and beverages, these ingredients improve shelf life and nutritional value without diminishing taste -- like giving drinkable low-fat yogurt that distinctive creamy consistency with every sip.
They also prove quite functional in products that meet strict dietary requirements, like gluten-free and vegetarian options. Hydrocolloids and gums like carrageenan, alginates and cellulose gel can be sustainably sourced from nature and are perfectly suited for vegetarian and vegan foods. Either by improving the flavor and fullness of meatless sausage or producing non-dairy ice cream with that definitive indulgence and delectability, these ingredients are making new snacking options both possible and palatable.
Reducing the number of ingredients in a recipe is one challenge and, more recently, adding ingredients has become another. We want foods and beverages with added value, but it's important to understand that introducing vitamins or nutrients to any product can significantly affect flavor and texture. Enriched, shelf-stable snacks that boast added protein need a stabilizer to maintain the quality of the product. Without the added ingredients like carrageenan, similar products might separate, taste chalky or be less effective than their claims imply.
Food companies are adapting their product formulations and rolling out new products to meet demand for healthy snacking solutions. Naturally derived ingredients that help reduce fat and sugar content but maintain product integrity are changing the way we snack. They deliver that indulgent experience we all appreciate. For more information on ingredients that give us a variety of snacks for a wide range of diets, please visit www.FoodScienceMatters.com.
Ref: Cooking - in Blogs
While there are no standard requirements for clean label snacks, naturally derived gums, hydrocolloids and colors are generally accepted in such applications and have become increasingly popular. You might see these ingredients listed as carrageenan, a soluble fiber from red seaweed, or cellulose gel, which is a refined plant fiber. In many foods and beverages, these ingredients improve shelf life and nutritional value without diminishing taste -- like giving drinkable low-fat yogurt that distinctive creamy consistency with every sip.
They also prove quite functional in products that meet strict dietary requirements, like gluten-free and vegetarian options. Hydrocolloids and gums like carrageenan, alginates and cellulose gel can be sustainably sourced from nature and are perfectly suited for vegetarian and vegan foods. Either by improving the flavor and fullness of meatless sausage or producing non-dairy ice cream with that definitive indulgence and delectability, these ingredients are making new snacking options both possible and palatable.
Reducing the number of ingredients in a recipe is one challenge and, more recently, adding ingredients has become another. We want foods and beverages with added value, but it's important to understand that introducing vitamins or nutrients to any product can significantly affect flavor and texture. Enriched, shelf-stable snacks that boast added protein need a stabilizer to maintain the quality of the product. Without the added ingredients like carrageenan, similar products might separate, taste chalky or be less effective than their claims imply.
Food companies are adapting their product formulations and rolling out new products to meet demand for healthy snacking solutions. Naturally derived ingredients that help reduce fat and sugar content but maintain product integrity are changing the way we snack. They deliver that indulgent experience we all appreciate. For more information on ingredients that give us a variety of snacks for a wide range of diets, please visit www.FoodScienceMatters.com.
Ref: Cooking - in Blogs
(NewsUSA) - Three square meals a day are a thing of the past. Busy schedules, diverse dietary preferences and the flow of modern life necessitate more flexible and convenient meals. Luckily, snacking is in the midst of a revolution. Traditional snacks like chips and pretzels have given way to bigger, better and healthier options that deliver both convenience and nutrition in one tasty package. Whether clean-label, organic, vegan or nutrient-added, it's up to ingredient suppliers and manufacturers to develop products that meet all of these demands. That's certainly a tall order.<br />
<br />
While there are no standard requirements for clean label snacks, naturally derived gums, hydrocolloids and colors are generally accepted in such applications and have become increasingly popular. You might see these ingredients listed as carrageenan, a soluble fiber from red seaweed, or cellulose gel, which is a refined plant fiber. In many foods and beverages, these ingredients improve shelf life and nutritional value without diminishing taste -- like giving drinkable low-fat yogurt that distinctive creamy consistency with every sip.<br />
<br />
They also prove quite functional in products that meet strict dietary requirements, like gluten-free and vegetarian options. Hydrocolloids and gums like carrageenan, alginates and cellulose gel can be sustainably sourced from nature and are perfectly suited for vegetarian and vegan foods. Either by improving the flavor and fullness of meatless sausage or producing non-dairy ice cream with that definitive indulgence and delectability, these ingredients are making new snacking options both possible and palatable.<br />
<br />
Reducing the number of ingredients in a recipe is one challenge and, more recently, adding ingredients has become another. We want foods and beverages with added value, but it's important to understand that introducing vitamins or nutrients to any product can significantly affect flavor and texture. Enriched, shelf-stable snacks that boast added protein need a stabilizer to maintain the quality of the product. Without the added ingredients like carrageenan, similar products might separate, taste chalky or be less effective than their claims imply.<br />
<br />
Food companies are adapting their product formulations and rolling out new products to meet demand for healthy snacking solutions. Naturally derived ingredients that help reduce fat and sugar content but maintain product integrity are changing the way we snack. They deliver that indulgent experience we all appreciate. For more information on ingredients that give us a variety of snacks for a wide range of diets, please visit www.FoodScienceMatters.com.<br />
<br />
Ref: Cooking - in Blogs
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Alesha Bradigan momoftwo24
I sit here
all alone
Empty rooms
Quietness
Other than the whirring of a fan
No screaming of a young child playing
No cooing of a happy baby
Whirr whirr whirr
Which once was a house full of love and joy
Now feels like a nightmare I cant escape
Wishing
Hoping
Dreaming
That one day ill have that back again
The coos
The screams
The noises that irritate most parents are the ones I long for the most
The endless cuddles
The mommy mommy mommy
I just want it all back
I want a reason to get out of bed and do something
The darkness with them gone keeps closing in and I feel like it will never end
I feel like those coos
Those screams
Those giggles
Those cuddles
Those cries
Will never come back
I feel like the life im living now
Visiting my own kids like theyre my niece and nephew will never end
I've thought of burning cutting smoking drinking anything to concrete that pain and maybe just maybe take it all away
but I know if I do the pain will never go away because it may be the thing that takes it away forever
Those cries
Those coos
Those screams
Those giggles
Would never come back
So I sit here listening to the whirr of the fan hoping that one of these days that whirr isn't the only thing to fill these rooms
Category: Reading - in Blogs
Category: Reading - in Blogs
all alone
Empty rooms
Quietness
Other than the whirring of a fan
No screaming of a young child playing
No cooing of a happy baby
Whirr whirr whirr
Which once was a house full of love and joy
Now feels like a nightmare I cant escape
Wishing
Hoping
Dreaming
That one day ill have that back again
The coos
The screams
The noises that irritate most parents are the ones I long for the most
The endless cuddles
The mommy mommy mommy
I just want it all back
I want a reason to get out of bed and do something
The darkness with them gone keeps closing in and I feel like it will never end
I feel like those coos
Those screams
Those giggles
Those cuddles
Those cries
Will never come back
I feel like the life im living now
Visiting my own kids like theyre my niece and nephew will never end
I've thought of burning cutting smoking drinking anything to concrete that pain and maybe just maybe take it all away
but I know if I do the pain will never go away because it may be the thing that takes it away forever
Those cries
Those coos
Those screams
Those giggles
Would never come back
So I sit here listening to the whirr of the fan hoping that one of these days that whirr isn't the only thing to fill these rooms
Category: Reading - in Blogs
Category: Reading - in Blogs
I sit here <br />
all alone <br />
Empty rooms<br />
Quietness<br />
Other than the whirring of a fan<br />
No screaming of a young child playing<br />
No cooing of a happy baby <br />
Whirr whirr whirr <br />
Which once was a house full of love and joy<br />
Now feels like a nightmare I cant escape<br />
Wishing<br />
Hoping<br />
Dreaming<br />
That one day ill have that back again<br />
The coos<br />
The screams<br />
The noises that irritate most parents are the ones I long for the most <br />
The endless cuddles <br />
The mommy mommy mommy<br />
I just want it all back<br />
I want a reason to get out of bed and do something <br />
The darkness with them gone keeps closing in and I feel like it will never end <br />
I feel like those coos<br />
Those screams <br />
Those giggles <br />
Those cuddles <br />
Those cries <br />
Will never come back<br />
I feel like the life im living now <br />
Visiting my own kids like theyre my niece and nephew will never end <br />
I've thought of burning cutting smoking drinking anything to concrete that pain and maybe just maybe take it all away<br />
but I know if I do the pain will never go away because it may be the thing that takes it away forever<br />
Those cries<br />
Those coos <br />
Those screams <br />
Those giggles <br />
Would never come back <br />
So I sit here listening to the whirr of the fan hoping that one of these days that whirr isn't the only thing to fill these rooms<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: Reading - 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: Reading - in Blogs</span>
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Samuel Chi-divine ic_sammie
Bent in Heaven's Twist
I wear a smile, a fragile disguise
A mask that hides, the tears I've cried
The heavens twist, in a cruel design
A fate that's sealed, yet I'm left to redefine
In heavenly design, I'm lost in pain
A twist of fate, that drives me insane
The stars align, yet I'm still unsure
A celestial guide, that's hard to endure
I'm bent and broken, in a world so grand
A fragile soul, in a body so unplanned
The heavens whisper, "You're strong and free"
But I'm trapped in doubts, that haunt me relentlessly
I search for answers, in the darkest night
A glimmer of hope, that shines with all its might
But the twist of fate, it plays a cruel game
Leaving me shattered, with a heart that's tamed
In twisted threads, I'm woven with flaws
A fragile fabric, with scars that never fade
The heavens bend, in a mysterious spin
A divine irony, that I'm forced to give in
I'm a paradox, of strength and weakness combined
A human heart, that's constantly redefined
The twist of heaven's hand, a mysterious fate
A life that's unpredictable, with moments that create
I yearn for solace, in the chaos and strife
A peaceful haven, where I can be alive
But the heavens twist, in a celestial rhyme
A melody of pain, that echoes through my prime
In this twisted world, I'm searching for a light
A guiding star, that shines through the darkest night
A beacon of hope, that leads me to the shore
Where I can find peace, and be forever more.
Category: Writing - in Blogs
I wear a smile, a fragile disguise
A mask that hides, the tears I've cried
The heavens twist, in a cruel design
A fate that's sealed, yet I'm left to redefine
In heavenly design, I'm lost in pain
A twist of fate, that drives me insane
The stars align, yet I'm still unsure
A celestial guide, that's hard to endure
I'm bent and broken, in a world so grand
A fragile soul, in a body so unplanned
The heavens whisper, "You're strong and free"
But I'm trapped in doubts, that haunt me relentlessly
I search for answers, in the darkest night
A glimmer of hope, that shines with all its might
But the twist of fate, it plays a cruel game
Leaving me shattered, with a heart that's tamed
In twisted threads, I'm woven with flaws
A fragile fabric, with scars that never fade
The heavens bend, in a mysterious spin
A divine irony, that I'm forced to give in
I'm a paradox, of strength and weakness combined
A human heart, that's constantly redefined
The twist of heaven's hand, a mysterious fate
A life that's unpredictable, with moments that create
I yearn for solace, in the chaos and strife
A peaceful haven, where I can be alive
But the heavens twist, in a celestial rhyme
A melody of pain, that echoes through my prime
In this twisted world, I'm searching for a light
A guiding star, that shines through the darkest night
A beacon of hope, that leads me to the shore
Where I can find peace, and be forever more.
Category: Writing - in Blogs
Bent in Heaven's Twist<br />
<br />
I wear a smile, a fragile disguise<br />
A mask that hides, the tears I've cried<br />
The heavens twist, in a cruel design<br />
A fate that's sealed, yet I'm left to redefine<br />
<br />
In heavenly design, I'm lost in pain<br />
A twist of fate, that drives me insane<br />
The stars align, yet I'm still unsure<br />
A celestial guide, that's hard to endure<br />
<br />
I'm bent and broken, in a world so grand<br />
A fragile soul, in a body so unplanned<br />
The heavens whisper, "You're strong and free"<br />
But I'm trapped in doubts, that haunt me relentlessly<br />
<br />
I search for answers, in the darkest night<br />
A glimmer of hope, that shines with all its might<br />
But the twist of fate, it plays a cruel game<br />
Leaving me shattered, with a heart that's tamed<br />
<br />
In twisted threads, I'm woven with flaws<br />
A fragile fabric, with scars that never fade<br />
The heavens bend, in a mysterious spin<br />
A divine irony, that I'm forced to give in<br />
<br />
I'm a paradox, of strength and weakness combined<br />
A human heart, that's constantly redefined<br />
The twist of heaven's hand, a mysterious fate<br />
A life that's unpredictable, with moments that create<br />
<br />
I yearn for solace, in the chaos and strife<br />
A peaceful haven, where I can be alive<br />
But the heavens twist, in a celestial rhyme<br />
A melody of pain, that echoes through my prime<br />
<br />
In this twisted world, I'm searching for a light<br />
A guiding star, that shines through the darkest night<br />
A beacon of hope, that leads me to the shore<br />
Where I can find peace, and be forever more.<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: Writing - in Blogs</span>
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Aric Feeney Aric_Feeney
Category: Photography - 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>
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Millie Zemlak Millie_Zemlak
(NewsUSA) - Now more than ever, building relationships is important to small businesses so they can compete in the global marketplace.
The Smart Money Network is a community of digital marketing experts whose mission is to support entrepreneurs as they grow their businesses, especially in the new and increasingly online economy.
Having a partner to navigate the field of digital marketing can help small businesses get the edge they need. The Smart Money Network collaborates with small business clients and coaches them on how to engage a target audience with the right message at the right time, using a combination of digital tools and the power of persuasion.
The Collaboration Starts with A Conversation.
"Conversation is the seed of opportunity," according to the Smart Money Network website. Experts work with small business owners and entrepreneurs to find and build relationships with their target audiences using social media platforms such as LinkedIn, then deploy tried-and-true principles of persuasion that convert to new business opportunities.
Author Robert Cialdini describes six principles of persuasion in his book, "Influence - The Psychology of Persuasion." These principles include the concepts of scarcity (making your product or service seem more desirable), reciprocity (using small favors to entice), likability (pleasantness can go a long way), consensus (word of mouth that others use your product or service), consistency (customers need to feel they can count on what you say you will deliver), and authority (make sure you support your products or services with facts about your experience and credentials).
These principles can be applied in the world of digital marketing, which is becoming increasingly essential in the post-COVID-19 entrepreneurial environment. More people are spending more time online, and learning how to grab the attention of potential clients can help businesses flourish.
Smart Money Network creates intentional done-for-you social media campaigns that position clients as authoritative and credible resources, and drives up to 30 new business opportunities a month.
According to Smart Money Founder and CEO Mike Harris, "You only have about three seconds to capture someone's attention and give them enough information to determine whether you are worth connecting with."
Visit smartmoneynetwork.net to learn more about how to make the digital connections that can boost your business.
Ref: Finance - in Blogs
The Smart Money Network is a community of digital marketing experts whose mission is to support entrepreneurs as they grow their businesses, especially in the new and increasingly online economy.
Having a partner to navigate the field of digital marketing can help small businesses get the edge they need. The Smart Money Network collaborates with small business clients and coaches them on how to engage a target audience with the right message at the right time, using a combination of digital tools and the power of persuasion.
The Collaboration Starts with A Conversation.
"Conversation is the seed of opportunity," according to the Smart Money Network website. Experts work with small business owners and entrepreneurs to find and build relationships with their target audiences using social media platforms such as LinkedIn, then deploy tried-and-true principles of persuasion that convert to new business opportunities.
Author Robert Cialdini describes six principles of persuasion in his book, "Influence - The Psychology of Persuasion." These principles include the concepts of scarcity (making your product or service seem more desirable), reciprocity (using small favors to entice), likability (pleasantness can go a long way), consensus (word of mouth that others use your product or service), consistency (customers need to feel they can count on what you say you will deliver), and authority (make sure you support your products or services with facts about your experience and credentials).
These principles can be applied in the world of digital marketing, which is becoming increasingly essential in the post-COVID-19 entrepreneurial environment. More people are spending more time online, and learning how to grab the attention of potential clients can help businesses flourish.
Smart Money Network creates intentional done-for-you social media campaigns that position clients as authoritative and credible resources, and drives up to 30 new business opportunities a month.
According to Smart Money Founder and CEO Mike Harris, "You only have about three seconds to capture someone's attention and give them enough information to determine whether you are worth connecting with."
Visit smartmoneynetwork.net to learn more about how to make the digital connections that can boost your business.
Ref: Finance - in Blogs
(NewsUSA) - Now more than ever, building relationships is important to small businesses so they can compete in the global marketplace.<br />
<br />
The Smart Money Network is a community of digital marketing experts whose mission is to support entrepreneurs as they grow their businesses, especially in the new and increasingly online economy.<br />
<br />
Having a partner to navigate the field of digital marketing can help small businesses get the edge they need. The Smart Money Network collaborates with small business clients and coaches them on how to engage a target audience with the right message at the right time, using a combination of digital tools and the power of persuasion. <br />
<br />
The Collaboration Starts with A Conversation. <br />
<br />
"Conversation is the seed of opportunity," according to the Smart Money Network website. Experts work with small business owners and entrepreneurs to find and build relationships with their target audiences using social media platforms such as LinkedIn, then deploy tried-and-true principles of persuasion that convert to new business opportunities.<br />
<br />
Author Robert Cialdini describes six principles of persuasion in his book, "Influence - The Psychology of Persuasion." These principles include the concepts of scarcity (making your product or service seem more desirable), reciprocity (using small favors to entice), likability (pleasantness can go a long way), consensus (word of mouth that others use your product or service), consistency (customers need to feel they can count on what you say you will deliver), and authority (make sure you support your products or services with facts about your experience and credentials).<br />
<br />
These principles can be applied in the world of digital marketing, which is becoming increasingly essential in the post-COVID-19 entrepreneurial environment. More people are spending more time online, and learning how to grab the attention of potential clients can help businesses flourish.<br />
<br />
Smart Money Network creates intentional done-for-you social media campaigns that position clients as authoritative and credible resources, and drives up to 30 new business opportunities a month.<br />
<br />
According to Smart Money Founder and CEO Mike Harris, "You only have about three seconds to capture someone's attention and give them enough information to determine whether you are worth connecting with."<br />
<br />
Visit smartmoneynetwork.net to learn more about how to make the digital connections that can boost your business.<br />
<br />
Ref: Finance - in Blogs
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Rebecca Ebert Rebecca_Ebert
Category: Photography - 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>
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Millie Zemlak Millie_Zemlak
(NewsUSA) - How much will I need for my kid's college education? And how the heck will I pay for it?
With the cost of a four-year degree rising nearly eight times faster than wages since the 1980s, those two questions are enough to give today's parents a serious case of night sweats. You can argue about the reasons for the disconnect -Administrative costs? Fancy amenities? - but you know there's a problem when a writer at Education Week is incensed.
"Madness," she decried.
Which is all the more reason to mark May 29 down on your calendar.
Otherwise known as National 529 College Savings Plan Day -Get it? 5/29? - it's the perfect time to consider setting up one those tax-advantaged 529 plans, as they're called, to help sock money away to cover tuition, books and other education-related expenses at most accredited two - and four-year colleges, universities and vocational-technical schools.
"It's a way of keeping your son or daughter from being saddled with too much debt when it's time to jump start their careers," explained Melissa Ridolfi, vice president of retirement and college products at Fidelity Investments. "Plus, any investment earnings compound on a tax-deferred basis, and qualified withdrawals are entirely free from federal and state income taxes."
And now to the big question: How much?
Two factors are mainly at play:
* Public vs. private schools. The cost difference can be about as mind-boggling as "Avengers: Endgame's" record $357.1 million opening weekend domestic haul: an average of $21,370 a year at the former, according to the College Board's latest figures, as opposed to $48,510 at the latter.
* The percentage of the bill you plan to foot. If you were counting on scholarships and other grants to pick up all or most of the tab, you should probably rethink that unless your kid is either a bona fide child prodigy or football star. Sallie Mae's "How America Pays for College" 2018 report found that both categories combined paid for just 28 percent of college costs.
One guess where 47 percent of the costs came from. That's right, "family income and savings," with another 24 percent covered by borrowing.
In other words, as Ridolfi said, "any way you look at it, the family is on the hook to pay the lion's share of college expenses." Which probably helps explain why a recent Fidelity study found that parents are increasingly starting to save before their child even reaches the age of two.
To see where you stand, try using what Fidelity calls "the college savings 2K rule of thumb." Simply multiply your child's current age by $2,000 to figure whether your savings to date are generally on track to handle approximately 50 percent of the College Board's $21,370-a-year average cost of attending a four-year public college.
Or, especially if you want a more customized estimate - one that lets you play around with percentages and switch back and forth between public and private schools - the firm's free online college savings calculator takes the angst out of doing the math yourself.
Fidelity provides 12 savings ideas to help reach your own goal, and offers a choice of two different investment strategies in the 529 savings plans it manages - including an age-based portfolio of funds that automatically becomes more conservative as the beneficiary nears college age.
Hopefully, armed with all that info, you'll be sleeping better at night.
Ref: Family - in Blogs
With the cost of a four-year degree rising nearly eight times faster than wages since the 1980s, those two questions are enough to give today's parents a serious case of night sweats. You can argue about the reasons for the disconnect -Administrative costs? Fancy amenities? - but you know there's a problem when a writer at Education Week is incensed.
"Madness," she decried.
Which is all the more reason to mark May 29 down on your calendar.
Otherwise known as National 529 College Savings Plan Day -Get it? 5/29? - it's the perfect time to consider setting up one those tax-advantaged 529 plans, as they're called, to help sock money away to cover tuition, books and other education-related expenses at most accredited two - and four-year colleges, universities and vocational-technical schools.
"It's a way of keeping your son or daughter from being saddled with too much debt when it's time to jump start their careers," explained Melissa Ridolfi, vice president of retirement and college products at Fidelity Investments. "Plus, any investment earnings compound on a tax-deferred basis, and qualified withdrawals are entirely free from federal and state income taxes."
And now to the big question: How much?
Two factors are mainly at play:
* Public vs. private schools. The cost difference can be about as mind-boggling as "Avengers: Endgame's" record $357.1 million opening weekend domestic haul: an average of $21,370 a year at the former, according to the College Board's latest figures, as opposed to $48,510 at the latter.
* The percentage of the bill you plan to foot. If you were counting on scholarships and other grants to pick up all or most of the tab, you should probably rethink that unless your kid is either a bona fide child prodigy or football star. Sallie Mae's "How America Pays for College" 2018 report found that both categories combined paid for just 28 percent of college costs.
One guess where 47 percent of the costs came from. That's right, "family income and savings," with another 24 percent covered by borrowing.
In other words, as Ridolfi said, "any way you look at it, the family is on the hook to pay the lion's share of college expenses." Which probably helps explain why a recent Fidelity study found that parents are increasingly starting to save before their child even reaches the age of two.
To see where you stand, try using what Fidelity calls "the college savings 2K rule of thumb." Simply multiply your child's current age by $2,000 to figure whether your savings to date are generally on track to handle approximately 50 percent of the College Board's $21,370-a-year average cost of attending a four-year public college.
Or, especially if you want a more customized estimate - one that lets you play around with percentages and switch back and forth between public and private schools - the firm's free online college savings calculator takes the angst out of doing the math yourself.
Fidelity provides 12 savings ideas to help reach your own goal, and offers a choice of two different investment strategies in the 529 savings plans it manages - including an age-based portfolio of funds that automatically becomes more conservative as the beneficiary nears college age.
Hopefully, armed with all that info, you'll be sleeping better at night.
Ref: Family - in Blogs
(NewsUSA) - How much will I need for my kid's college education? And how the heck will I pay for it?<br />
<br />
With the cost of a four-year degree rising nearly eight times faster than wages since the 1980s, those two questions are enough to give today's parents a serious case of night sweats. You can argue about the reasons for the disconnect -Administrative costs? Fancy amenities? - but you know there's a problem when a writer at Education Week is incensed.<br />
<br />
"Madness," she decried.<br />
<br />
Which is all the more reason to mark May 29 down on your calendar.<br />
<br />
Otherwise known as National 529 College Savings Plan Day -Get it? 5/29? - it's the perfect time to consider setting up one those tax-advantaged 529 plans, as they're called, to help sock money away to cover tuition, books and other education-related expenses at most accredited two - and four-year colleges, universities and vocational-technical schools.<br />
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"It's a way of keeping your son or daughter from being saddled with too much debt when it's time to jump start their careers," explained Melissa Ridolfi, vice president of retirement and college products at Fidelity Investments. "Plus, any investment earnings compound on a tax-deferred basis, and qualified withdrawals are entirely free from federal and state income taxes."<br />
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And now to the big question: How much?<br />
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Two factors are mainly at play:<br />
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* Public vs. private schools. The cost difference can be about as mind-boggling as "Avengers: Endgame's" record $357.1 million opening weekend domestic haul: an average of $21,370 a year at the former, according to the College Board's latest figures, as opposed to $48,510 at the latter.<br />
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* The percentage of the bill you plan to foot. If you were counting on scholarships and other grants to pick up all or most of the tab, you should probably rethink that unless your kid is either a bona fide child prodigy or football star. Sallie Mae's "How America Pays for College" 2018 report found that both categories combined paid for just 28 percent of college costs.<br />
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One guess where 47 percent of the costs came from. That's right, "family income and savings," with another 24 percent covered by borrowing.<br />
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In other words, as Ridolfi said, "any way you look at it, the family is on the hook to pay the lion's share of college expenses." Which probably helps explain why a recent Fidelity study found that parents are increasingly starting to save before their child even reaches the age of two.<br />
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To see where you stand, try using what Fidelity calls "the college savings 2K rule of thumb." Simply multiply your child's current age by $2,000 to figure whether your savings to date are generally on track to handle approximately 50 percent of the College Board's $21,370-a-year average cost of attending a four-year public college.<br />
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Or, especially if you want a more customized estimate - one that lets you play around with percentages and switch back and forth between public and private schools - the firm's free online college savings calculator takes the angst out of doing the math yourself.<br />
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Fidelity provides 12 savings ideas to help reach your own goal, and offers a choice of two different investment strategies in the 529 savings plans it manages - including an age-based portfolio of funds that automatically becomes more conservative as the beneficiary nears college age.<br />
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Hopefully, armed with all that info, you'll be sleeping better at night.<br />
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Ref: Family - in Blogs
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