(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 /> <br /> "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 /> <br /> And now to the big question: How much?<br /> <br /> Two factors are mainly at play:<br /> <br /> * 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 /> <br /> * 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 /> <br /> 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 /> <br /> 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 /> <br /> 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 /> <br /> 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 /> <br /> 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 /> <br /> Hopefully, armed with all that info, you'll be sleeping better at night.<br /> <br /> Ref: Family - in Blogs

<br /> <br /> <span style='display:none' class='DO NOT REMOVE - THIS CATEGORY CODE WILL BE HIDDEN - IT IS NEEDED TO BE FOUND BY CATEGORY AND ONE-CLICK SEARCH'>Category: Photography - in Blogs</span>

(NewsUSA) - "To shave strokes from your golf game, the only equipment you need is a good eraser."<br /> <br /> Although this phrase is uttered jokingly by many golfers, recreational golfers who've reached their plateau have had very few other options, until now.<br /> <br /> "If recreational golfers insist on following the rules used by the PGA Tour, there's little they can do to immediately improve their game," says John Hoeflich, executive director, of the United States Recreational Golf Association (USRGA). "However, if they play by USRGA rules, they do have the option to switch to better equipment."<br /> <br /> The USRGA is the official organization that governs recreational golf. Its rules allow the use of higher-performance golf equipment. Hoeflich estimates that more than half of U.S. golfers agree with the USRGA rules that permit equipment that "puts fun back in the game, speeds up play and helps achieve better scores."<br /> <br /> Callaway Golf started the recreational equipment movement in 2000 with the ERC II driver. Now Polara Golf is advancing the movement with its Advantage driver and Ultimate Straight golf balls -- both engineered to eclipse the PGA limits, which means you can't play them in the Masters or U.S. Open.<br /> <br /> David Felker, chief technology officer for Polara Golf, explains, "Our drivers and balls are not intended for the top amateur players and professionals. We purposely designed equipment that exceeds the performance limits accepted by the PGA Tour, so that recreational golfers can experience less frustration, score lower and have more fun."<br /> <br /> A 2012 Google consumer survey revealed that 63 percent of respondents would consider using golf equipment that provides a performance advantage. This sentiment is shared by the PGA of America president, Ted Bishop, who says, "I think anything we can do to relax the rules, if it means putting non-conforming equipment in the hands of players that enable them to hit the ball higher and farther and enjoy the game more -- what's the problem?"<br /> <br /> According to the National Golf Foundation, golf rounds have fallen by 8 percent since 2007, largely due to the frustrations of the game, excessive play times and high costs.<br /> <br /> "The technology now exists to make golf more pleasurable for everyone," says Felker. "Who doesn't want to have more fun?"<br /> <br /> For more information, visit www.polaragolf.com and www.usrga.org.<br /> <br /> Ref: Golf - 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

(NewsUSA) - Is your dog bad to the bone? Does your sweet Jack Russel guard all doors from intruders -- friends and family included? Or is it your Boxer puppy that won't stop shredding socks and underwear? Some of the cutest pooches have the worst manners. Whether you're at work or just in another room, their mischievous play may lead to anything from home repairs to staggering vet bills.<br /> <br /> Pooches and owners alike can relate to this common problem, and getting the magical, behavioral transformation you've always fantasized about is closer than you think -- pet care authority Camp Bow Wow held a contest, "Bad to The Bone: Camp Bow Wow's Worst Behaved Dog Contest," to discover North America's most ill-mannered dog. The winning pooch received a full year of free services ($3,000 value) at a local Camp or Home Buddies (an in-home care service offered by Camp Bow Wow) of their choice. Most importantly, the winning dog also received free dog training to correct those bad habits.<br /> <br /> If you are a frustrated pet owner who doesn't have time to wait to win a contest like this, here are five dog-training tips straight from the Behavior Buddies experts at Camp Bow Wow to get you started:<br /> <br /> 1. Proper exercise is key! A majority of behavior issues stem from a lack of proper exercise. At least one 30-minute walk per day is sufficient for most dogs. Playing in the backyard or in the house does not count as exercise.<br /> <br /> 2. Buy a dog backpack for walks. This allows your dog to have a job and adds weight with objects like water bottles or hand weights so the dog expends more energy.<br /> <br /> 3. Challenge your dog with brain puzzles. A mentally tired dog will not spend time thinking about how to get in the garbage or waste breath yipping at neighbors.<br /> <br /> 4. Take a training class. Getting your dog to respect you is critical to having your dog listen to you.<br /> <br /> 5. Send your dog to Camp Bow Wow or hire a Home Buddies Care Giver to take Fido on a walk. A tired dog is a good dog!<br /> <br /> If your beloved Fido is still opening cabinets and devouring furniture, enter him or her in Camp Bow Wow.<br /> <br /> For more information, visit www.campbowwow.com to see the location finder for the nearest Camp Bow Wow or Home Buddies near you.<br /> <br /> Ref: Funny - in Blogs

(NewsUSA) - Summertime. It's the time of year to put your feet up, relax and have a little fun. So, why not make it a little safer for the whole family?<br /> <br /> The following tips can help keep everyone healthy and injury-free -- and, with any luck, away from the doctor's office:<br /> <br /> * Handle vacation baggage with caution. Be careful handling your luggage. There were more than 75,500 luggage-related injuries in 2013 alone. To avoid luggage-related injury and pain, keep your body straight when lifting and carrying luggage -- do not twist. Instead, point your toes in the direction you are headed, and then turn your entire body in that direction. Also, only use luggage that is sturdy and light weight with wheels and a handle.<br /> <br /> * Dive into summer safety. Diving and swimming is a popular summer activity for many families and their children, but it does carry some risk.<br /> <br /> "Swimming and diving injuries are most common among children, 17 or younger," says A. Jay Khanna, MD, American Academy of Orthopaedic Surgeons (AAOS) spokesperson and orthopedic surgeon. "For that reason, it's important to equip kids with the proper safety precautions at an early age."<br /> <br /> The AAOS suggests that individuals never dive into above-ground pools or into water that isn't clear -- where sand bars or objects below the surface may not be seen. As for swimming, never swim alone, always swim in supervised areas, and avoid rip currents.<br /> <br /> * Follow the rules of the road while biking. More than 80 million Americans enjoy cycling because it's an environmentally efficient way to get around, a great form of exercise and a fun activity for the whole family. However, according to 2013 statistics from the Consumer Product Safety Commission, bike-related injuries were the reason for more than 1.3 million visits to hospitals, emergency rooms and doctors' offices.<br /> <br /> To avoid being a statistic, always wear a helmet and ride in the direction of traffic. Also, don't listen to music with headphones, talk on your phone, text or do anything else that would distract you while riding.<br /> <br /> * Beware of bouncing. Jumping on a trampoline is a favorite pastime among kids because of the thrill that comes with it. Unfortunately, it also carries risks. The most common injuries are sprains and fractures that result from falls on the mat, falls on the frame or springs, collisions with another jumper and falls off the trampoline, according to the AAOS. To protect kids, trampolines should not be used for unsupervised recreational activity.<br /> <br /> For more information and safety tips this summer, visit OrthoInfo.org.<br /> <br /> Ref: Bicycles - in Blogs

(NewsUSA) - It seems as if there's co-ops for just about everything these days - condos, farms, horses, and now yachts.<br /> <br /> Consider this: as with anything worth having, there are expenses and hassles associated with boat ownership that you may not even be aware of. But partial (fractional) ownership offers "all of the luxury and none of the hassle" according to the website of yacht co-op management company Saveene.<br /> <br /> It works like this: The more fractions you purchase, the more yacht usage you can experience. For example, a 10 percent purchase equals approximately four weeks of yachting time each year; 20 percent entitles you to eight weeks, and so on.<br /> <br /> For those who enjoy the periodical pleasure of luxury boating, fractional ownership is more cost-effective than sporadic charters, and has several other advantages:<br /> <br /> - Predictability. Saveene fractional owners hold equity in the yacht and have the option to sell their fraction any time they like. Purchase as many fractions as you want, up to 10 fractions per yacht. When you choose your dates, contact Saveene and they will schedule and prepare your yacht for your arrival.<br /> <br /> - Pampering. When you arrive at the marina, the yacht is clean, stocked, and safety-checked. Chart your course in advance, or allow your captain to create a memorable itinerary. Bring any food and beverages you choose, or Saveene yachts accommodate a chef or catering service.<br /> <br /> - Peace of mind. With fractional ownership, you avoid many headaches associated with owning a boat outright, including maintenance, repairs, storage, transportation, and insurance. Saveene handles the business transactions of purchasing and selling the fractions as well when the time comes.<br /> <br /> Saveene offers a range of options for yacht enthusiasts - a Sea Ray Sundancer for $19,995, a 36' Carver Mariner for a one-time fee of $ 39,995, a 64' Aicon for $89,980 or a combined usage of these for $69,985. All types are available at the same marina for viewing before making a purchase.<br /> <br /> Sea Ray Sundancer: This 34-foot cruiser is ideal for families, and easy to maneuver along intercoastal waterways for boating, snorkeling, and dining at dockside restaurants.<br /> <br /> Carver Mariner: This 37-foot boat features a fly bridge suited for parties, a home-size galley to accommodate larger food prep or catering, and a full entertainment center.<br /> <br /> Aicon: The 64-foot yacht includes four full-sized cabins plus crew quarters to handle an extended excursion. All cabins include their own facilities and TV/DVD setups, and the yacht includes a collection of water toys for kids of all ages.<br /> <br /> Want to go bigger? Saveene is also taking orders for an 85-foot Azimut yacht.<br /> <br /> Other benefits include the opportunity to check out Saveene yachts for a risk-free trial and the ability to write off your fractional purchase on your taxes.<br /> <br /> For more information about the benefits of yacht co-ownership, visit saveene.com.<br /> <br /> Ref: Boats - 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 Art</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: Photography - in Art</span>

(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