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Millie Zemlak Millie_Zemlak
(NewsUSA) - Summer. The word itself sounds so relaxing and soothing to the senses. And nothing is more soothing in the summer than swimming.
At the very least, there's certainly nothing more cooling or refreshing than a quick trip to the pool. Indeed, with the temperatures rising and vacations in high gear, it's prime time to take a trip to the beach or head to your favorite resort pool and enjoy one of America's favorite summer pastimes: swimming.
To ensure your next trip to the pool is as relaxing and successful as ever, however, there are some essential items everybody should consider bringing. So, whether it's just a casual day of cooling off, a special summer pool party or family fun day, here's a to-do list that covers all pool partygoers.
* First and foremost, lather up with suntan lotions. And then bring more in your tote bag so you can reapply after a round or two of swimming. There's nothing more frustrating when you settle in and realize you forgot your supplies and need to buy more.
* Pack swimming gear. Regardless of whether you're going to the beach or pool, make sure you have goggles, noodles and other flotation devices. Your time in the water will never be more enjoyable.
* Bring some snacks and drinks. After some rigorous swimming or leisurely baking in the sun, you're bound to build up an appetite or have a need to quench your thirst.
* Don't forget your spittoon. Being at the pool in a bikini or trunks can leave one very exposed to say the least. If you're a smokeless tobacco user, there's even less opportunity to take a discreet "dip" while you're taking a dip in the pool.
That is, unless you own a portable spittoon created by Atlanta-based FLASR. These new 4-ounce pocket-sized spittoons are brilliantly designed to allow users to easily open and close with just one hand, making them ideal items to bring to the pool or any other public setting so you can still enjoy your smokeless tobacco. Another advantage to the FLASR flask is its advanced closing mechanism that ensures it stays securely closed when not in use, eliminating the risk of any messy spills or leaks in the pool that come with those gaudy bottles or drink cups of old.
For more information, please visit www.flasr.com.
Category: Saint Lucia - in Countries
At the very least, there's certainly nothing more cooling or refreshing than a quick trip to the pool. Indeed, with the temperatures rising and vacations in high gear, it's prime time to take a trip to the beach or head to your favorite resort pool and enjoy one of America's favorite summer pastimes: swimming.
To ensure your next trip to the pool is as relaxing and successful as ever, however, there are some essential items everybody should consider bringing. So, whether it's just a casual day of cooling off, a special summer pool party or family fun day, here's a to-do list that covers all pool partygoers.
* First and foremost, lather up with suntan lotions. And then bring more in your tote bag so you can reapply after a round or two of swimming. There's nothing more frustrating when you settle in and realize you forgot your supplies and need to buy more.
* Pack swimming gear. Regardless of whether you're going to the beach or pool, make sure you have goggles, noodles and other flotation devices. Your time in the water will never be more enjoyable.
* Bring some snacks and drinks. After some rigorous swimming or leisurely baking in the sun, you're bound to build up an appetite or have a need to quench your thirst.
* Don't forget your spittoon. Being at the pool in a bikini or trunks can leave one very exposed to say the least. If you're a smokeless tobacco user, there's even less opportunity to take a discreet "dip" while you're taking a dip in the pool.
That is, unless you own a portable spittoon created by Atlanta-based FLASR. These new 4-ounce pocket-sized spittoons are brilliantly designed to allow users to easily open and close with just one hand, making them ideal items to bring to the pool or any other public setting so you can still enjoy your smokeless tobacco. Another advantage to the FLASR flask is its advanced closing mechanism that ensures it stays securely closed when not in use, eliminating the risk of any messy spills or leaks in the pool that come with those gaudy bottles or drink cups of old.
For more information, please visit www.flasr.com.
Category: Saint Lucia - in Countries
(NewsUSA) - Summer. The word itself sounds so relaxing and soothing to the senses. And nothing is more soothing in the summer than swimming.<br />
<br />
At the very least, there's certainly nothing more cooling or refreshing than a quick trip to the pool. Indeed, with the temperatures rising and vacations in high gear, it's prime time to take a trip to the beach or head to your favorite resort pool and enjoy one of America's favorite summer pastimes: swimming.<br />
<br />
To ensure your next trip to the pool is as relaxing and successful as ever, however, there are some essential items everybody should consider bringing. So, whether it's just a casual day of cooling off, a special summer pool party or family fun day, here's a to-do list that covers all pool partygoers.<br />
<br />
* First and foremost, lather up with suntan lotions. And then bring more in your tote bag so you can reapply after a round or two of swimming. There's nothing more frustrating when you settle in and realize you forgot your supplies and need to buy more.<br />
<br />
* Pack swimming gear. Regardless of whether you're going to the beach or pool, make sure you have goggles, noodles and other flotation devices. Your time in the water will never be more enjoyable.<br />
<br />
* Bring some snacks and drinks. After some rigorous swimming or leisurely baking in the sun, you're bound to build up an appetite or have a need to quench your thirst.<br />
<br />
* Don't forget your spittoon. Being at the pool in a bikini or trunks can leave one very exposed to say the least. If you're a smokeless tobacco user, there's even less opportunity to take a discreet "dip" while you're taking a dip in the pool.<br />
<br />
That is, unless you own a portable spittoon created by Atlanta-based FLASR. These new 4-ounce pocket-sized spittoons are brilliantly designed to allow users to easily open and close with just one hand, making them ideal items to bring to the pool or any other public setting so you can still enjoy your smokeless tobacco. Another advantage to the FLASR flask is its advanced closing mechanism that ensures it stays securely closed when not in use, eliminating the risk of any messy spills or leaks in the pool that come with those gaudy bottles or drink cups of old.<br />
<br />
For more information, please visit www.flasr.com.<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: Saint Lucia - in Countries</span>
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Vanessa Leannon Vanessa_Leannon
Category: Photography - in Blogs
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Rebecca Ebert Rebecca_Ebert
Category: Photography - in Blogs
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<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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Aric Feeney Aric_Feeney
Category: Photography - in Blogs
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Millie Zemlak Millie_Zemlak
(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?
The following tips can help keep everyone healthy and injury-free -- and, with any luck, away from the doctor's office:
* 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.
* Dive into summer safety. Diving and swimming is a popular summer activity for many families and their children, but it does carry some risk.
"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."
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.
* 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.
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.
* 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.
For more information and safety tips this summer, visit OrthoInfo.org.
Ref: Bicycles - in Blogs
The following tips can help keep everyone healthy and injury-free -- and, with any luck, away from the doctor's office:
* 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.
* Dive into summer safety. Diving and swimming is a popular summer activity for many families and their children, but it does carry some risk.
"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."
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.
* 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.
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.
* 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.
For more information and safety tips this summer, visit OrthoInfo.org.
Ref: Bicycles - 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
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Millie Zemlak Millie_Zemlak
(NewsUSA) - Although it happened nearly 30 years ago, the story of Lorena Bobbitt and the domestic violence she endured still resonates today in the MeToo era. Lifetime kicks off Memorial Day with the Ripped from the Headlines feature premiere of "I Was Lorena Bobbitt" on Monday, May 25, at 8pm ET/PT.
Lorena Bobbitt (now Lorena Gallo) serves as one of the executive producers on the film, as well as its narrator.
The story follows her journey from a young and innocent immigrant bride to a victim of domestic violence. In 1993, after years of abuse at the hands of her husband, John Bobbitt, Lorena fought back, cutting off her husband's penis with a knife and becoming an unlikely international media sensation. The film follows her evolution into a strong and thoughtful woman who has devoted her life to advocating for abused women.
"There are many reasons why I feel it's important to share my story now," Ms. Gallo says in an interview.
"Lifetime gave me a platform and truly listened to my message about domestic violence, and I was actively involved in telling my story. I believe with the #MeToo movement and increased awareness of domestic violence and sexual assault that my message would be heard."
The process of making the movie was very emotional, Ms. Gallo says.
"With me being so young and an immigrant, new to the United States and to endure the type of abuse that I went through, along with the court case and the media frenzy that followed, it is a reminder of what I had to go through to help to become the person that I am today. The work that I do with the Lorena Gallo Foundation and other organizations is based upon my own experiences," she explains.
"I Was Lorena Bobbitt" stars Dani Montalvo ("Dispatches from Elsewhere") and Luke Humphrey ("Tiny Pretty Things") as Lorena and John. Ms. Gallo spent time discussing her past with Ms. Montalvo to help her prepare for the role. "We learned a lot from one another and I'm grateful for our time together," Ms. Gallo says.
The take-home message from the movie, according to Ms. Gallo, is "that domestic violence is real and doesn't discriminate. It can happen to anyone and there are definitely signs showing that someone is abused and it should be taken seriously and not overlooked."
Ms. Gallo's advice to others who are dealing with abuse: "Never give up hope and be resilient."
She emphasizes, "You are not alone and there are options and resources. Do not keep it to yourself. Contact family and friends and understand the resources available to you now, such as shelters, domestic violence hotlines and social service organizations. First responders and doctors are better trained to understand and deal with domestic violence-related problems." She adds, "Do not deal with the situation with the false hope that it will get better. Silence is not an option!"
Domestic and sexual violence is on the rise with many stuck at home with their abusers because of Covid/stay-at-home orders, so this movie is more timely than ever to help women with resources. During the film, Lifetime will run a public service announcement for the National Domestic Violence Hotline and the National Coalition Against Domestic Violence featuring the actors and Lorena Bobbitt, as part of Lifetime's public affairs campaign, Stop Violence Against Women.
Visit mylifetime.com for more information about upcoming programs.
Follow on social @LifetimeTV and using IwasLorenaBobbitt.
Ref: Acting - in Blogs
Lorena Bobbitt (now Lorena Gallo) serves as one of the executive producers on the film, as well as its narrator.
The story follows her journey from a young and innocent immigrant bride to a victim of domestic violence. In 1993, after years of abuse at the hands of her husband, John Bobbitt, Lorena fought back, cutting off her husband's penis with a knife and becoming an unlikely international media sensation. The film follows her evolution into a strong and thoughtful woman who has devoted her life to advocating for abused women.
"There are many reasons why I feel it's important to share my story now," Ms. Gallo says in an interview.
"Lifetime gave me a platform and truly listened to my message about domestic violence, and I was actively involved in telling my story. I believe with the #MeToo movement and increased awareness of domestic violence and sexual assault that my message would be heard."
The process of making the movie was very emotional, Ms. Gallo says.
"With me being so young and an immigrant, new to the United States and to endure the type of abuse that I went through, along with the court case and the media frenzy that followed, it is a reminder of what I had to go through to help to become the person that I am today. The work that I do with the Lorena Gallo Foundation and other organizations is based upon my own experiences," she explains.
"I Was Lorena Bobbitt" stars Dani Montalvo ("Dispatches from Elsewhere") and Luke Humphrey ("Tiny Pretty Things") as Lorena and John. Ms. Gallo spent time discussing her past with Ms. Montalvo to help her prepare for the role. "We learned a lot from one another and I'm grateful for our time together," Ms. Gallo says.
The take-home message from the movie, according to Ms. Gallo, is "that domestic violence is real and doesn't discriminate. It can happen to anyone and there are definitely signs showing that someone is abused and it should be taken seriously and not overlooked."
Ms. Gallo's advice to others who are dealing with abuse: "Never give up hope and be resilient."
She emphasizes, "You are not alone and there are options and resources. Do not keep it to yourself. Contact family and friends and understand the resources available to you now, such as shelters, domestic violence hotlines and social service organizations. First responders and doctors are better trained to understand and deal with domestic violence-related problems." She adds, "Do not deal with the situation with the false hope that it will get better. Silence is not an option!"
Domestic and sexual violence is on the rise with many stuck at home with their abusers because of Covid/stay-at-home orders, so this movie is more timely than ever to help women with resources. During the film, Lifetime will run a public service announcement for the National Domestic Violence Hotline and the National Coalition Against Domestic Violence featuring the actors and Lorena Bobbitt, as part of Lifetime's public affairs campaign, Stop Violence Against Women.
Visit mylifetime.com for more information about upcoming programs.
Follow on social @LifetimeTV and using IwasLorenaBobbitt.
Ref: Acting - in Blogs
(NewsUSA) - Although it happened nearly 30 years ago, the story of Lorena Bobbitt and the domestic violence she endured still resonates today in the MeToo era. Lifetime kicks off Memorial Day with the Ripped from the Headlines feature premiere of "I Was Lorena Bobbitt" on Monday, May 25, at 8pm ET/PT.<br />
<br />
Lorena Bobbitt (now Lorena Gallo) serves as one of the executive producers on the film, as well as its narrator.<br />
<br />
The story follows her journey from a young and innocent immigrant bride to a victim of domestic violence. In 1993, after years of abuse at the hands of her husband, John Bobbitt, Lorena fought back, cutting off her husband's penis with a knife and becoming an unlikely international media sensation. The film follows her evolution into a strong and thoughtful woman who has devoted her life to advocating for abused women.<br />
<br />
"There are many reasons why I feel it's important to share my story now," Ms. Gallo says in an interview.<br />
<br />
"Lifetime gave me a platform and truly listened to my message about domestic violence, and I was actively involved in telling my story. I believe with the <a class="btn-scroll hashword" href="https://stallios.com/search/hashtag/MeToo">#MeToo</a> movement and increased awareness of domestic violence and sexual assault that my message would be heard."<br />
<br />
The process of making the movie was very emotional, Ms. Gallo says.<br />
<br />
"With me being so young and an immigrant, new to the United States and to endure the type of abuse that I went through, along with the court case and the media frenzy that followed, it is a reminder of what I had to go through to help to become the person that I am today. The work that I do with the Lorena Gallo Foundation and other organizations is based upon my own experiences," she explains.<br />
<br />
"I Was Lorena Bobbitt" stars Dani Montalvo ("Dispatches from Elsewhere") and Luke Humphrey ("Tiny Pretty Things") as Lorena and John. Ms. Gallo spent time discussing her past with Ms. Montalvo to help her prepare for the role. "We learned a lot from one another and I'm grateful for our time together," Ms. Gallo says.<br />
<br />
The take-home message from the movie, according to Ms. Gallo, is "that domestic violence is real and doesn't discriminate. It can happen to anyone and there are definitely signs showing that someone is abused and it should be taken seriously and not overlooked."<br />
<br />
Ms. Gallo's advice to others who are dealing with abuse: "Never give up hope and be resilient."<br />
<br />
She emphasizes, "You are not alone and there are options and resources. Do not keep it to yourself. Contact family and friends and understand the resources available to you now, such as shelters, domestic violence hotlines and social service organizations. First responders and doctors are better trained to understand and deal with domestic violence-related problems." She adds, "Do not deal with the situation with the false hope that it will get better. Silence is not an option!"<br />
<br />
Domestic and sexual violence is on the rise with many stuck at home with their abusers because of Covid/stay-at-home orders, so this movie is more timely than ever to help women with resources. During the film, Lifetime will run a public service announcement for the National Domestic Violence Hotline and the National Coalition Against Domestic Violence featuring the actors and Lorena Bobbitt, as part of Lifetime's public affairs campaign, Stop Violence Against Women.<br />
<br />
Visit mylifetime.com for more information about upcoming programs.<br />
<br />
Follow on social @LifetimeTV and using IwasLorenaBobbitt.<br />
<br />
Ref: Acting - in Blogs
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Millie Zemlak Millie_Zemlak
(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.
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.
"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."
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.
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:
* 40 percent said that while they don't regret going to college, they would've made different choices in hindsight.
* Only 14 percent felt the value of their education was worth more than the money they'd spent.
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.
"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.
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.
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.
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.
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.
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.
Ref: Education - in Blogs
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.
"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."
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.
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:
* 40 percent said that while they don't regret going to college, they would've made different choices in hindsight.
* Only 14 percent felt the value of their education was worth more than the money they'd spent.
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.
"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.
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.
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.
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.
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.
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.
Ref: Education - in Blogs
(NewsUSA) - Are all those stories about crippling student debt having an effect on college campuses? Just ask post-Millennials now trying - albeit not always successfully - to avoid being saddled with the same heavy burden of debt as their predecessors.<br />
<br />
According to Fidelity Investments' new "College Savings: Lessons Learned Study," not only did 83 percent of current college students surveyed consider what their total costs would be before matriculating - just 69 percent of recent graduates had such foresight - but 39 percent of them said the potential price tag was such "a huge factor" that they purposely limited their choice of schools to the most affordable. Only 32 percent of recent graduates, alas, had shown similar restraint.<br />
<br />
"It seems today's college students are perhaps more aware of the financial situation they entered into than those who graduated before them," said Melissa Ridolfi, Fidelity's vice president of retirement and college leadership. "That's a positive development."<br />
<br />
All told, student debt in the U.S. now totals more than $1.5 trillion - second only to mortgage debt, Forbes reported. And the 69 percent or so of the Class of 2018 who took out student loans graduated with an average debt balance of $29,800.<br />
<br />
So you can understand why recent graduates would be so stressed out over whether they'd ever be able to pay off their loans that they're now having second thoughts about their decisions:<br />
<br />
* 40 percent said that while they don't regret going to college, they would've made different choices in hindsight.<br />
<br />
* Only 14 percent felt the value of their education was worth more than the money they'd spent.<br />
<br />
Oh, and future college students should listen up for this sage advice from the more than 4,000 respondents surveyed - all recent graduates, current undergraduates, and parents of either or both - on what would've done wonders to ease their own stress levels.<br />
<br />
"When asked 'If you knew then what you know now when it comes to school selection, what would you do differently?' the number one answer for all respondents was 'I would've started saving earlier,'" Ridolfi said.<br />
<br />
Which logically brings us to another key finding of the study: Only 17 percent of current students and recent graduates had taken advantage, prior to college, of what's arguably one of the best ways to fund higher education: 529 savings plans.<br />
<br />
Unlike regular bank savings accounts, they provide a tax-advantaged way to save money to cover tuition, books and other education-related expenses at most accredited two- and four-year colleges, universities and vocational-technical schools.<br />
<br />
The key phrase being "tax-advantaged." Meaning, earnings grow federal income tax-deferred and withdrawals for qualified expenses are free from federal (and, in many places, state) income taxes - thus affording the opportunity to have even more saved for college.<br />
<br />
Significantly, Ridolfi said families using a 529 plan managed by Fidelity have been starting to sock money away earlier than ever before, with contributions beginning on average when the child is about age six and a half. Thirty-six percent of Fidelity 529s are even opened for beneficiaries under - yes - age 2.<br />
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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
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Millie Zemlak Millie_Zemlak
(NewsUSA) - It seems as if there's co-ops for just about everything these days - condos, farms, horses, and now yachts.
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.
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.
For those who enjoy the periodical pleasure of luxury boating, fractional ownership is more cost-effective than sporadic charters, and has several other advantages:
- 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.
- 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.
- 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.
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.
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.
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.
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.
Want to go bigger? Saveene is also taking orders for an 85-foot Azimut yacht.
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.
For more information about the benefits of yacht co-ownership, visit saveene.com.
Ref: Boats - in Blogs
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.
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.
For those who enjoy the periodical pleasure of luxury boating, fractional ownership is more cost-effective than sporadic charters, and has several other advantages:
- 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.
- 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.
- 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.
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.
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.
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.
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.
Want to go bigger? Saveene is also taking orders for an 85-foot Azimut yacht.
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.
For more information about the benefits of yacht co-ownership, visit saveene.com.
Ref: Boats - 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
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