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Meeting Invitation
Meeting Invitation


    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
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    Wendy Minore wendy_minore04
    Just me writing my little story! It's a coming of age story about a girl graduating from high school and not being sure where to go from there. Her family and friends help her out with a little bit of chaos and a lot of luck!

    There are too many people here. It’s a boarding school, and yet, there are so many people and no places to sit. Hailey flutters past with Mouse hot on her heels, as they usually were, and I reach out to grab Hailey’s arm, causing her to do a funny little twirl thing and for Mouse to bump into her.
    “Sorry!” Mouse squeaked and jumped back a step, their sneakers making a funny noise on the floor.
    “Not your fault… Are you coming to the soccer party?”
    “Nah, I’m gonna stay here. Hails and I are breaking up when you two leave this party so I figure I can’t really show up on her arm.” Hailey rolled her eyes as Mouse spoke, and I once again wondered how the two of them had managed to put an end date on their relationship and actually have it work out. They had sort of always known that they wouldn’t last outside of high school, so after the party they would just go back to being friends. It didn’t make sense to me, but whatever, I wasn’t either of them.
    “Alrighty… I was actually about to ask Hailey when we were going to leave, but um, if you two want to stay? I don’t wanna rush out, but the band kids aren’t really my crowd…” Hailey grinned at me and blew a kiss as she grabbed Mouse’s hand.
    “We can leave as soon as I say bye to everyone! Thank you for coming!” I rolled my eyes as they disappeared in the sea of people and I shrunk back to the corner and pulled out my phone. It wasn’t that I disliked the band kids, they were all pretty cool, I just didn’t know them well enough to party.
    I had a text from Leo, Hailey’s older brother, a few from Evelyn and a good night text from Cardan, that simultaneously requested that I tell the theater kids he was sorry he couldn’t make it. More than likely, if I looked at their group chat, he had already sent twenty apology texts and there was no reason for me to do that. I shot Evelyn a quick text that said I would be leaving as soon as Hailey was ready, which we both knew meant I would not be leaving for at least a half an hour, then I settled against the wall to text Leo.
    Leo has been best friends with my older brother Zebediah since he started going to school here, they even opened a cafe together. Plus, he and Hailey get along super duper well, so I’ve become friends with him. His current text was just reminding me to not stay out too late so I wouldn’t be exhausted and sleep through my alarms tomorrow.
    T: I don’t sleep through alarms with Evelyn around haha. That girl would wake up to a pin drop :p
    L: Valid. Have you made it to the soccer party yet, or is Hails still procrastinating her doomed relationship ending?
    T: I wouldn’t call it procrastinating…. More like socializing so people don’t realize they broke up haha
    L: I don’t think I will ever understand those two
    T: You just have to remember Yolanda, and it all makes sense again
    L: Tia, nobody remembers Yolanda like I do lmao
    L: I lived with Hails that summer, remember?
    T: Hahaha you live with her every summer goofus
    L: I could be living with you every summer though ;)
    I rolled my eyes and left him on read, sliding my phone back into my pocket so I could find Hailey and pretend that her brother didn’t just flirt with me. She knew he did though, and it wasn’t like I didn’t flirt back, we just didn’t actually like each other. It was still her brother though, so I was never allowed to mention it.
    Pushing off the wall, I went to find her, sliding past kids I had known my whole life and trying to ignore the nagging feeling of doom about the fact that I would never again see all of us in one room. We would never be the same kids again, and we were all about to go live real lives, not closed up in a boarding school.
    Hailey was in the middle of the dance floor when I found her, with Mouse wrapped around her, and they looked deep in conversation, so I backed away, but Hailey spotted me and held up a finger, so I didn’t wander far, just turned to say hi to Mae, a violinist in the band.
    “You ready to be out?” She called over the music. I laughed and nodded, and she patted my arm.
    “Tell your girls I said good job last week, and good luck in college! I like you all, but I am not about to go to a jock event with no alcohol!” She lifted her Solo cup with a salute-like gesture and then pointed over my shoulder before waving and walking away. If I hadn’t known the universal signal for “Hailey is coming, gotta go”, I probably would have questioned the quick exit. Some people just knew that she talked a lot and did not have the time.
    “Ready, Freddy?” Hailey asked, slinging an arm around my waist, as though it was my shoulder. I looked down at her, and she grinned up at me, so I nodded. The breakup must have gone to plan if she wasn’t upset. She skipped out of the room, somehow dragging me along, despite me being almost over a half a foot taller than her tiny 4’ 10” person.
    Once we were outside of the dorm collection that was hosting the band event, Hailey did a little twirl and grinned at me, stopping me where I stood.
    “Are you ready for the best night of your high school life? Ready to say goodbye to all of your teammates and start your fabulous life as a rockstar?” A snort escaped me and I patted Hails on the head before tugging her down the hallway.
    “I guarantee that I will not become a rockstar if I become anything. Not a rockstar, not a professional athlete, and definitely not an actress.” Hailey had started throwing random jobs at me this past week, trying to find one that clicked. Of course, she never threw out valid options, just ridiculous ones that I would never actually become.
    A shriek and then my name being yelled alerted me to the presence of Evelyn about five seconds before she launched herself into my arms.
    “Oh my god, you won’t believe what is happening in there! Gina is WASTED!”
    “I thought real athletes didn’t drink?” Hailey cried as she shoved past the two of us to get to the dorm cluster that was hosting the “jock people”, which really just meant the kids who played sports, but we weren’t all serious jocks.
    “Gina isn’t going pro, so she decided that she wanted to get wasted with us once before we all head our separate ways. Katrina, Lucy and Cam are a little tipsy, but most of us are sober.” Evelyn punched my arm on “us” like she was implying that I was part of the “real athletes” squad. I didn’t drink because I wanted to be in good shape for the sports and because I liked runner’s high, not because I was going pro like a lot of my teammates.
    “And the guys…” I trailed off as Evelyn and I finally followed Hailey into the party and I found a horrifying scene in front of me. If Katrina, Lucy and Cam were tipsy, I did not want to see Gina. The three girls were standing on a table, doing the macarena and singing Sweet Caroline as the welcome committee and just behind them, I could see Parker, Isaac, Dominic and Justin lining up shots, all four of them shirtless and screaming.
    “Welcome to Hell!” Evelyn cried as she pulled me past the alcoholics and into the main room. Gina was laying in the middle of the floor, but everyone else was mostly just mingling and hugging, a couple people were crying, and I relaxed at that. I did not want to drink and I was worried my friends had lost their minds for a second. We just weren’t those people usually. I normally felt okay about not drinking at parties with them.
    “T! Come over here!” Veronica, our goalie, waved me and Evelyn over to a group of girls who were sitting on a couple couches and chatting. I headed over, glancing around for Hailey, but I wasn’t worried when I didn’t find her. She was probably halfway done with her rounds or caught up talking to someone.
    I joined the girls on the couches and Bea Olsen pulled a bag of pretzels out from behind a pillow and offered me one.
    “Gina tried to run off with them earlier,” she explained as Bea Klutz offered me a carrot from next to Bea Olsen.
    “She did not try to steal the carrots though,” I laughed and relaxed into the couch, content to talk to my teammates for one more night.
    A little while later, Evelyn tapped my arm and I nodded, grabbing one more carrot before standing up. The Beas simultaneously cried no and jumped up to hug us.
    “Don’t go yet! You only have to be up in…” Glancing at her watch, Bea Olsen cringed, “four hours… Oopsie!” I laughed and hugged her back, biting my lip so I wouldn’t cry as a whole line of teammates that I had known my whole life and worked with, slept with, breathed with and basically lived in each other’s back pockets during soccer season hugged me and said goodbye. We would all see each other on the train tomorrow, but it just wasn’t the same. This was our last soccer night. This was the last time I would see the Beas, or Veronica for a very long while, since they had all been recruited to play soccer in America. A few others had made soccer teams, but more local, or just at a college, but I still wouldn’t see them as much.
    “Hey, keep in contact, yeah?” Veronica asked as she hugged me, squeezing tight. I hugged her as tightly as I could, nodding even though she couldn’t see me. We held on for a little longer than the others had, and I buried my face in her neck before pulling back and letting her hug Evelyn as I pulled myself together. Evelyn grabbed my hand as we left the party, neither of us looking back.
    The walk back to our room was pretty quiet, and when we got there, Evelyn squeezed my hand before heading to her dresser to grab pajamas.
    “5 am, right?” There was a crack in Evelyn’s voice as she asked, but I replied just like I had everyday since seventh grade.
    “Always,” I whispered as I grabbed my own pajamas and headed to change my clothes.

    The next morning, when my alarm went off and I looked at Evelyn sitting up, I bit my lip to hold off the tears as we changed into our running clothes and headed out. Evelyn offered me her earbud and I dug my nails into my palm so I didn’t cry. When Don’t Stop Believin’ played, I pulled my hair a little harder than usual into a ponytail so I would have an excuse for the tears welling. If we ran a little slower than usual, it was because we were tired, not because our lungs burned with the urge to sob. When the final notes of the playlist rang out through the earbuds and we just stood, staring at the doors to the school, it was because we were tired, not to remember every day that we had run that same path, chattering and getting to know one another, and giggling as we tried to keep quiet as we reentered and didn’t want to wake the people who put off getting up until the last second. If my hand shook as I handed her the earbud, it was from the lack of food before the run, not because I would never listen to that playlist with Evelyn on school grounds again. If my face was a little wet in the shower, it was from the water, not tears falling down my face. When I got out and pulled my pajamas back on, I curled into a ball because it was a good way to sleep, not because I was hiding tears. Evelyn didn’t go back to bed, she never had. I closed my eyes and pretended to sleep, but I listened to her going through her morning routine. The one I knew she went through every single morning in the same order because she hated change. This morning, if she paused and took a rattled breath every once in a while, I tried to not flinch because she was just yawning. When Hailey’s alarm went off, Evelyn was gone, down at breakfast like usual, and Hailey walked over to shake me, but instead she pulled me into a hug, and for once, didn’t say anything.

    Breakfast was a weird affair. They had a line up of grab and go foods as everyone carried their luggage to the train. Underclassmen chattered about summer plans and who was rooming with who the next year and the usual end of year conversations, but I didn’t say anything as Hailey chattered about the parties she had gone to after I went to sleep. She hadn’t gotten to bed until 4 am the night before, and I wasn’t sure how she was functioning. Cardan was standing against a wall with an apple in his hand, his tall frame standing out, even if his blonde hair wouldn’t have defined him instantly. After I grabbed a muffin and a banana, I headed over to him, Hailey trailing behind as she spoke.
    “Good morning, sunshine!” She greeted Cardan, wrapping him in a hug, which he quickly returned. “Ready to go home?” Cardan glanced at me as Hails asked the question and I giggled a little, knowing that in his head he was quoting Harry Potter at Hailey, who would never understand the reference no matter how many times the two of us had forced her into marathons. Plus, Hailey liked being home, unlike Cardan.
    “Ready for you to visit.” He booped Hailey on the nose and I reached up to ruffle his hair.
    “Smile, pretty boy. It’s two weeks. You’ve got this. I’ll call you everyday, and I might even be able to bully my brothers into calling you.” Cardan nodded stiffly at me as I spoke, and Hailey peeled herself off to munch on her own muffin.
    “Hey, I’ll be there in one week, and if T isn’t hogging all of his time, I can get Leo to text you daily too,” Hailey said softly, offering Cardan a smile. He nodded again, but his hand was tapping away at his leg and he was chewing his lip already.
    “One week,” he mumbled to himself before grabbing his bags and leading us all to the train. We didn’t talk much on the walk there, and I fell asleep with my head in Cardan’s lap on the ride, his fingers brushing my hair and Hailey chattering away, just like old times. The only difference was that when I woke up and got off the train, I knew I wouldn’t be getting on it again in a few months.
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    Millie Zemlak Millie_Zemlak
    (NewsUSA) - As the calendar flips to another year, many employees will consider starting the new year on the hunt for a new job. In today's changing workforce, it is more important than ever for companies to realize that a salary alone is no longer enough to recruit or retain strong employees. According to a recent survey by Aflac, small businesses deserve a round of applause for their ability to keep employees happy. The report found that 85 percent of small-business employees are happy in their current job and more than half (51 percent) agree that most of or all of their happiness in their current job is because is a result of working for a small business.

    The keys to happiness

    Nearly a quarter of participants (23 percent) stated that the feeling of importance was the best part of working for a small business. Small businesses have the unique ability to make employees feel appreciated, respected and valued on a personal and professional level. In a small business environment, there are typically fewer layers between newcomers and leadership. This tight-knit structure of small businesses can create a family-like atmosphere that allows employees to feel that their opinions matter and that they play a significant role in the business's mission.

    Flexibility is also vital in creating employee happiness. According to the report, 30 percent of respondents noted that flexible scheduling was the best part of working for a small business. This can include working from home, leaving work early to play in a summer sports league or giving new parents an extra week of paid time off to help care for their newborn. A workplace that promotes healthy work-life balance can create happier, less stressed employees and can also increase employee productivity on the job.

    Unlocking improvements

    Although small businesses excel at keeping employees happy, there is always room for improvement. In a small-business community, money does not seem to be the only motivator. In fact, 65 percent of small-business employees indicate that an improvement in their benefits offerings would make them happier employees. By offering a robust benefits plan that includes voluntary benefits, small businesses can ensure that their employees are able to find the right benefits to meet their individual needs.

    Learn more at https://aflac.com/smallbusiness


    Ref: Business - in Blogs
    58 0

    Millie Zemlak Millie_Zemlak
    (NewsUSA) - Sponsored News -Whether you are in a hotel room, at your desk, in an RV, or by a campfire, it can be difficult to get a good cup of coffee away from home. With the holiday travel season in full swing, travelers are wondering how best to enjoy their morning java while on the go.

    Most away-from-home coffee options have major drawbacks. Hotel room coffee makers are convenient and cheap, but the coffee they brew means a major compromise on taste. Local cafes often offer good coffee, but the cost of all those to-go cups can really add up. Existing travel coffee presses offer a way to brew while on the go, but they typically brew slowly and therefore brew a bitter and very acidic cup.

    Travelers benefit from being able to brew delicious coffee quickly and easily wherever they are. Luckily there is a perfect way to do just that. The AeroPress Go travel coffee press brews up to three cups of delicious hot or cold brew coffee that is richer, smoother, and lower in acidity than coffee brewed by other travel presses. Simply add ground coffee and water, stir briskly, press, and enjoy a cup of hot or cold brew coffee in just a minute or two.

    The AeroPress Go travels self- contained in its own mug with a lid, making it easy to fit in a suitcase, in a desk, with camping gear, in an RV or in a backpack. It is compact, lightweight, and durable, making it easy to transport. And it cleans up in just a few seconds with a quick rinse.

    The AeroPress Go's ability to make cold brew coffee is a big additional advantage because it can be used where there is no access to hot water. Wherever you go, there is almost always a source of water, but often no way to heat it. Use the AeroPress Go to join the hot new trend of drinking coffee that's an amazingly smooth, rich cold brew. With the AeroPress Go, it's easy to brew a cup of cold brew using unheated water in about two minutes.

    Visit https://aeropress.com/ for more information about how to brew great coffee on the road.

    Ref: Gadgets - in Blogs
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    Nichole Schack nlschack
    Follow me as I explain a different way to view the mundane of everyday life. Sometimes it's better to take a good look around you and discover the beauty that is right infront of you.

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    Millie Zemlak Millie_Zemlak
    (NewsUSA) - The phrase 'six degrees of separation,' suggests that only a minuscule measurement is what divides one person from another. Today, the Internet of Things (IoT) has decreased those degrees dramatically, connecting us not only to each other, but to everything from our fitness trackers to our coffee makers.

    Consider this: according to a recent report by the Federal Trade Commission, the number of Internet-connected devices tops 25 billion worldwide. And that number is expected to double in the next five years, according to experts cited in the report.

    In a world where everyone and everything is connected, digital security is a must-have, just as important as the lock on your front door or the keys to your house.

    "Technology is revolutionizing the way consumers use cars, homes, work spaces and everyday items," Rep. Darrell Issa, R- Calif., told USA Today in a recent interview. "These devices raise both opportunities and questions about regulatory policy, spectrum space, privacy and more."

    Underscoring Issa's concerns are high-profile hacks, including one that took remote control of a Jeep on a busy highway. Experts warn who consumers need to understand that, although convenient, the IoT is an interconnected system, and security is needed to prevent a weakness in one device (like a SmartWatch) from becoming an open door to attack in another device (such as a connected car).

    The good news is that sensitive industries such as banking, government, and healthcare have worked with companies like Gemalto, a global leader in digital security, to solve difficult security challenges. While most may not recognize the name "Gemalto," experts say that almost everyone uses at least one or two of the company's solutions, which are embedded in a wide variety of connected devices, credit cards, passports, and ID badges.

    So, to ensure that your data is protected from hackers, Gemalto recommends the following tips:

    * Secure the device. Sensitive devices need an added layer of protection, such as a SIM card or a tamper-resistant Secure Element that stores data in a safe place.

    * Control the access. Implement two-factor authentication to ensure that only authorized people are granted access to the data.

    * Secure the data. Ensure that sensitive data is encrypted and that encryption keys are stored in a separate and safe place.

    For more information, please visit www.gemalto.com.

    Ref: Codes - 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



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    Ramiro Williamson Ramiro_Williamson


    69 0

    Millie Zemlak Millie_Zemlak
    (NewsUSA) - Especially in stressful times, curling up with some positive TV programs can be a much-needed relaxing experience for the whole family.

    The UPtv slate of Easter programming, scheduled for April 4 through April 12, is ready to support family togetherness with two weekends of movies to celebrate the Easter season and encourage reflection and positive thinking.

    "As the home for uplifting programming, we can't think of a better time than now to celebrate feel-good films and inspiring biblical stories. In-Lawfully Yours is a perfect way to cap-off Easter Sunday with the entire family," says Hector Campos, vice president of content strategy for UPtv.

    In-Lawfully Yours features a clash of personalities when a fun-loving New Yorker played by Chelsey Crisp (Fresh Off the Boat) moves to a small town to help her recently widowed ex-mother-in-law, played by Marilu Henner (Taxi, L.A. Story). The locals may not approve, but sparks fly when she meets the church pastor.

    Want more love? Tune in on Saturday, April 4, for a marathon of romantic movies in the UPtv tradition. The event kicks off with Love Takes Wing at 3p.m. EST, in which newly minted doctor and new widow Belinda becomes a "Regional Doctor," traveling through small towns in turn-of-the-century America, finding love and discovering the joy of parenthood along the way. The series continues with Love Finds a Home, Love Begins, Love's Everlasting Courage, and Love's Christmas Journey, Parts I and II, airing consecutively. The movies are based on the popular books by Janette Oke.

    The Palm Sunday lineup takes a more faithful tone, with Courageous at 11:30 a.m., which follows the personal and professional lives of four sheriff's deputies in a small town in Georgia. Other Palm Sunday features include God's Not Dead, War Room, The Passion of the Christ, and a late-night Little House on the Prairie movie marathon.

    UPtv's Good Friday programming includes Noah's Ark at 7 p.m., followed by two showings of The Passion of the Christ at 9 p.m. and 11 p.m. Saturday's schedule includes the inspirational football-themed movie, Facing the Giants, as well as two showings of Heaven is for Real, at noon and at 7 p.m.

    On Easter Sunday, tune in at noon for The Identical, an uplifting story of twin brothers separated at birth who share a love of music, followed by The Healer, the premiere of the UPtv original movie, Undercover Angel, and the premiere of In-Lawfully Yours.

    For more family-friendly Easter programming, tune in to UPtv's sister service, UP Faith and Family, which features Exodus; Pure Country 2: The Gift; The Left Behind Trilogy; Grace Unplugged; and Dial A Prayer during the month of April.

    Visit uptv.com for more information about these and other uplifting movies and series. Find them on DirecTV Channel 338, Dish Channel 188, Fios TV Channel 738, ATT TV NOW, Philo + Local Providers

    You can also visit uptv.com, or find UPtv on Facebook at https://www.facebook.com/Uptv, on Twitter on @Uptv and on Instagram at UP_TV.

    Ref: God - in Blogs
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